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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: I have money parked in a GIC that will expire very soon. Needless to say that the current rate isn't good enough and I'm looking for a higher return without too much risk. As a replacement of my GIC, can you suggest 4 or 5 mutual funds (bond oriented or others - I am open !) that I can rely on for an "adequate" yield ? I am not looking for an homerun with bases loaded. I would be satisfied with a yield of 4-5 % approx. per year. I am not a fan of mutual funds showing yields that vary a lot year after year.

I really appreciate your excellent services !
Read Answer Asked by Stéphane on August 15, 2019
Q: As a follow up to my question on July 30 re International ETF's.
I have quite a significant shift to perform. Reduce Canadian by 30% and increase International by 30% . You gave examples of international ETF's including XEF and ZDI. Did you purposely leave out China especially given the recent tone with the US or would XEC be a decent hold as well? Maybe 1/3 in each ETF?
Is this a good time to start the switch over or would you wait a bit to see where all the markets are heading? This would mainly be for non registered accounts and gather only one layer of withholding tax which is creditable.
Thanks
Jeff
Read Answer Asked by JEFF on August 15, 2019
Q: I hold about 12% of our fixed income in ZHY, the balance in ZAG. If we are heading into recession, default rates my rise but interest rates may fall. Does this holding make sense for a balanced (60/40) portfolio, retired investor living off the income. Capital preservation is important but volatility is expected and tolerable. Thanks for the fine service! Jim
Read Answer Asked by Jim on August 15, 2019
Q: Good morning, we all know BNS has underperformed. Now it seems like South America is as rocky as ever. Venezuela and now Argentina are economic disasters and Brazil is going through plenty of volatility as Balsanaro implements his agenda. I know BNS is not in the 3 countries mentioned but how impactful could the latest SA economic woes be to BNS?? I would love to buy more shares with the 5% dividend but cautious due to SA exposure.
Read Answer Asked by Robert on August 15, 2019
Q: Is it too late to take a position in Gold? If it is not too late, could I please have your recommendations for Gold stocks on the TSX. Thanks
Read Answer Asked by Barbara on August 15, 2019
Q: Regarding Guardiant Health Care which I am typing out the full name as I'm getting a little tired of doing searches on Gamehost to see all the information.... In a a balanced but slightly leaning toward conservative portfolio how much weight should a speculative stock like this be ? I'm thinking on 3.3 % with no other stock quite in that risk factor....{ other than a 1.2% position in TSGI which is about to get the boot } .
Read Answer Asked by Garth on August 15, 2019
Q: My wife sold three longtime holdings in her RSP to free up some cash for future promising purchases. The next day she purchased the same stocks from her cash balance in her TFSA. Are there any particular implications to doing this that she should be aware of, other than usual portfolio diversity and weightings.
Read Answer Asked by John on August 15, 2019
Q: Can you explain how an investor can get a negative yield on a bond? For instance German 10 year bonds have a negative yield. Does that mean that there is a premium paid on the price say 102.00 and investor receives 100.00 at maturity. Does the investor receive semi-annual coupons like other bonds? Are the coupons more than 0.00 or are they negative also? Thank you.
Read Answer Asked by Robert on August 15, 2019
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