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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Would you please further explain how advisors are incented to sell products (funds)?
On April or, 2017, in a reply to Bruce, you stated: "HWF is a new closed end fund, which did its IPO in October last year and the indicated yield is 5.1%. In our opinion, this fund was designed to sell, with high commissions to advisors." Generally, what kind of fees/commissions do advisors receive that many retail investors may not be aware of? And does this also apply to pushing/selling certain stocks, like new (share) issues?
Read Answer Asked by Helen on February 28, 2019
Q: Hi 5i team,
With reference to your response on Feb 26 to my question on VGRO for TFSA, you stated “The tax efficiency referred to is usually regarding taxes on dividends received. Some Canadian ETFs are not considered as tax-efficient because they may gain international exposure through a US-listed ETF which can cause an extra layer of taxes on dividend. However, we do not see that to be an issue with VGRO, as it holds most securities directly.” I am confused. VGRO does not hold any stocks directly but indirectly through other Vanguard ETFs. Please clarify and its suitability for TFSA. Thanks.
Read Answer Asked by Willie on February 27, 2019
Q: Hi, your response to Stephen about TSGI "Blackstone, which owns 24M shares, has offered to sell 8.3M shares at a small discount." . Should one worry? This is 1/3 of their holdings. And does "at a discount" mean that they really wanted to get rid of the 1/3 as quickly as possible? I know you can't confirm this but can it be that they know something we don't?
Read Answer Asked by Marco on February 27, 2019
Q: Hi Team, My question is why Chartwell- CSH.UN is considered to be in the Real Estate/ Reit sector (in your company profiles) while Sienna Living - SIA is considered to be in the Health Care sector? I have always considered both to be in the Health Care/ Long Term Care business and hold sector % accordingly. Should I reallocate CSH.UN to my Real Estate sector? Appreciate your thoughts. Thanks.
Read Answer Asked by William on February 27, 2019
Q: Hi Peter
the above stock hit bottom sometime in late or mid Dec
It has been on the rise since then

I had some money invested in it, happy to get the dividend but disappointed at the lack of capital appreciation
I am now at break even point
is SLF or the banks a better choice (I could use ZEB eft), goal is dividend plus some growth, thanks

Michael
Read Answer Asked by Michael on February 27, 2019
Q: Good morning,
It appears you have no concerns about the quarter and the stock is taking a 10% hit today. Assuming the growth story is still intact. Would today be a good day to add to our existing holding? We are 30% down on this stock and our weighting has now fallen to slightly below 1%? Is now a good buying opportunity?
Thanks,
Kerri
Read Answer Asked by KERRI on February 27, 2019
Q: My RRSP - I was comparing Vanguard S&P 500 Growth ETF VOOG to Vanguard S&P 500 ETF VOO.
Warren Buffett is suggesting the index - so VOO, but VOOG Growth has performed better since inception with the same risk of 4 out of 5 - as defined by Vanguard.
VOOG has a higher turnover rate of it's stocks -at 17.6% vs 3% and it still outperformed after taxes on the higher turnover. It has 294 of the 508 stocks that VOO has.
Wondering your thoughts on one over the other. Since it is in an RRSP and I don't need the money for 25 years.

https://personal.vanguard.com/us/funds/vanguard/compare?navigatingFrom=4
Read Answer Asked by Terry on February 27, 2019
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