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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: Request 5is view on Caldwell Partners.
How is the company's business model, quality of management and profitability?
The gross margins seem to be good but net margins seem too thin and not sustainable.
How big can they grow? Currently they are at $58 million revenue. Can they scale up or will they remain small company forever?
Does it have potential to attract institutional investors?
Too many questions but Im trying to understand the company because the stocks liquidity and trading is nothing much to speak of. My concern on trading is will this remain a penny stock and later get in to restricted list or get delisted?
Read Answer Asked by Sridhar on January 09, 2018
Q: Hi Peter, Ryan, and 5i staff,

For my son's 2018 TFSA contribution, please rank these stocks and one ETF in order of preference: GSY, AVO, TOY, SIS, MX, XEU. He already holds SIS (up 216%), TOY (up 50%), and MX (up 34%). He holds no European stocks and very little outside of Canada, so I think that XEU could achieve some extra diversification, with a further advantage that it's a "commission-free" ETF with Scotia iTrade. Any other suggestions would be most welcome.

His other holdings include BCE, BEP.UN, BNS, CAR.UN, ENGH, GUD, KXS, NFI, PBH, and TRP.

Thanks for such great advice! There's no way we could replicate such results without 5i at our side.
Read Answer Asked by Jerry on January 09, 2018
Q: Good morning Peter:
Being a senior over 65 , I treat my TFSA as an extension of my RRSP.
With the market being so high and preservation of capital being important, can you give me three (3 ) dividend stocks that I can add to my TFSA for a secure retirement.
Can you also add your reason for choosing these ( 3 ) dividend stocks.
I presently have only banks in my TFSA and I have done well.
Thank You


Read Answer Asked by Jean on January 09, 2018
Q: I like CIBC because of it's personal mortgage exposure: higher mortgage amounts means more revenue for the bank, also rising rates, a healthy dividend, and great earnings reports. Now that it has more US exposure others seem to like more as well. It has had a good run since I bought at $104. Would now be good time to take these profits or do you see more upside for CIBC?
Read Answer Asked by John on January 09, 2018
Q: Hello Peter and team,
Further to my question you just answered on my grandaughter's RESP, I'm thinking of selling GSY (its up nicely) and buying a bank stock like BNS. I am concerned as there are are no large caps in the portfolio. What are your thoughts on this? Thank you.
Read Answer Asked by Pamela on January 09, 2018
Q: Hello Peter and team,
Ishares and Vanguard both have world Ex Canada ETFs that are 50% U.S.and 50% everything else. Is there an advantage to owning US and International ETFS separately that can be rebalanced, or is a product like this a good one as there are less fees incurred to buy and sell? Do the managers of the EX Canada ETFs rebalance their holdings? Thank you.

Read Answer Asked by Pamela on January 09, 2018
Q: Hi & thank you for continued sound advise.

I'm a Balance/Growth Investor with ~ 30% Fixed Income.

- Current Fixed Income: XBB (30%), CBO (40%), CPD (15%), XHY (15%).
- Planned Fixed Income: MMF659 (70%), CPD (15%), XHY (15%).

Reasons for change:
- Tired of poor returns of CBO, XBB.
- Want more diversifies (USA, INT) fixed income securities.
- The ~ 1% MMF659 MER seems worth it based on 6.23% compound return since inception [2005-11-25].

Haven't held a Mutual Fund in 8 years, but... Yours thoughts would be welcomed here. Thank you!

Paul
Read Answer Asked by Paul on January 09, 2018
Q: What sector do you see most opportunity in 2018 and top 3 names in the space?
Read Answer Asked by Kenny on January 09, 2018
Q: Hello,
I am in the process of taking over my mother's portfolio and getting her out of mutual funds. She likes the idea of ETF's to reduce risk vs: specific stocks. What would your top 4-6 ETF's be for a sleep at night portfolio that is well diversified globally and covers all sectors, time range 20 years? Starting portfolio value $750,000 cash by the end of January. Also how would you intelligently step into these ETF's as the markets could be positioned for a correction sometime this year?
Thank you
Read Answer Asked by Steve on January 09, 2018
Q: Is it worth getting rid of all these mutual funds? . Are they as bad as they look? Account is for a early 60s couple nearing retirement

Do you have any mutual funds or etf recommendations for replacing these? Maybe just keep Mawer balanced fund

Thanks


MAW 104 .
.Mawer Balanced Fund Class A
.

Fidelity Monthly Income
Class Series B .
FID 416


Fidelity Canadian Large cap  Fund  
FID 231  

Fidelity Monthly Income.  
FID 269


Invesco Select Canadian Equity Fund.
.AIM #1581.


CIBC Balanced Fund . Cib 901

Ci Signature High Income Fund.
Cig 14014

Sentry Conservative Balanced Income
Nce 534

Templeton International Stock Fund.
TML 705.

RBC Select Balanced Portfolio Series
RBF 460
Read Answer Asked by Thomas on January 09, 2018
Q: I'm about to transfer stocks from RRIFs to TFSAs, and am wondering which of each pair below has the best growth possibilities:
1: PKI vs CCL.B
2: SJ vs MX
Thanks for your great service!
Read Answer Asked by Jim on January 09, 2018
Q: Hi,

If the tsx were to go through a 15-20% correct in 2018, what five or six dividend paying companies do you feel would hold up best, irregardless of sector?

Regards,

Robert
Read Answer Asked by Robert on January 09, 2018
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