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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: Just a compliment on the recent 5iR article on Asset Allocation. I am fanatical when it comes to asset allocation. I learned decades ago that the biggest impact on your overall returns is from asset allocation, not stock selection. I had never heard/read the differences between Strategic AA vs Tactical AA....nicely laid out.

Every trade I do, whether it is a new purchase, a complete sale or my usual adds + trims is only done once I review the impact on my overall AA, both by sector weighting and individual stock weighting. I rarely adjust my AA, although I did make a tweak roughly 6 months ago...raising my Energy weighting while reducing my Technology weighting. I guess I got lucky...or...just maybe I was doing a little Tactical AA adjustment.

Again, thanks for the great article....Steve
Read Answer Asked by Stephen on April 27, 2022
Q: Hi. Aritzia is down more than their share today. In their last quarter report they forecast a decent lookout.
Would mgmt have to issue a missed earnings forecast? I seem to think i’ve seen some companies do this.
Is this a buying opportunity if one doesn’t have a full position?
Thanks a million
Read Answer Asked by Alan on April 26, 2022
Q: Hello:

With some coaching my older sons (aged 15 & 17) have come to realize that money sitting in a bank account is losing value due to inflation. They have taken small positions in ZQQ which appeals to their interests and the market has declined a bit but the silver lining is that they learn patience and understand risk.

With part-time jobs they have some more cash to deploy. Of course CAD holdings are easier but what would you pick? A few I think of:

BAM.A - Canadian and should see stable growth.
SLF - Canadian, but too conservative?
COST - USD is messier with FX fees but also very stable growth.
GOOG - USD again, but is it still considered cheap?

Other options?

Thank you!

Read Answer Asked by Marilou on April 26, 2022
Q: Can you please tell me a bit about IWO in the Growth Portfolio? P/E is listed at 1.5 on Yahoo finance - is that accurate?? I would like to add to a very my current small holding, recognizing that this appears to a high risk, high reward investment. 5i purchased in the Growth Portfolio at about $179 and currently at about $229. Looks to me like a good time to buy more.
Read Answer Asked by Grant on April 26, 2022
Q: Good morning, I kept almost all my growth stocks thinking I'll ride it down as usual but it's a bit worst than I thought, instead should have trimmed more to the like of NVDA and SHOP and a few others. Down over 12.6% from high so far. Everything seems to being priced for recession. Panic selling has not started yet just a slow drift down. Market could go down considerably more from here. Like 10 to 20% and we won't hear the bell.
Starting to get jittery. Your view on this assumption please?
Thanks for the great service!
Read Answer Asked by Denis on April 26, 2022
Q: Would appreciate your views on this morning's blockbuster announcement. The SP has been very lethargic over the past year but this could finally move the yardsticks.

CINCINNATI, April 26, 2022 (GLOBE NEWSWIRE) -- Quipt Home Medical Corp. (“Quipt” or the “Company”) (NASDAQ:QIPT; TSXV:QIPT), a U.S. based leader in the home medical equipment industry, focused on end-to-end respiratory care, is very pleased to announce the execution of a national insurance contract with a top five health insurer in the United States1.

Management Commentary

“The execution of this national insurance contract with the largest commercial payer in the United States is a major milestone for Quipt and serves as a further accelerant to our ambitious long term growth plans. The national contract is expected to be meaningful as we continue to expand into new states, broadening our operating footprint over a much wider geography. When we make an acquisition, we will be able to immediately leverage the national contract, which is extremely powerful in terms of capturing as many eligible patients as possible,” said Greg Crawford, Chairman and CEO of Quipt. “Moreover, we feel there's still a lot of opportunity for us to go after more national contracts, which would provide the opportunity to add additional payers, and we will continue to work with other large commercial payers to help them better understand our strong patient centric model and the benefits to patients and payors alike. The new national insurance contract, extremely favorable demographics, and our robust operating platform, put us in an industry leading position to provide high touch at home clinical respiratory services throughout the country.”
Read Answer Asked by karl on April 26, 2022
Q: I have too much cash and too little fixed income investments. We are facing inflation headwinds and the GIC rates I'm looking at ( sub four per cent) don't come close to this years forecast inflation. My pref shares are slumping. Can you suggest any inflation adjusted investments that are as safe or nearly as safe as GICs? In the US the treasury offers i-bonds in limited amounts. Do we have any equivalents here in our fine country? Thanks, al
Read Answer Asked by alex on April 26, 2022
Q: How much business exposure does RY have to China? How does this compare to BNS and CM when viewed as a percentage of company overall operations?
Read Answer Asked by Richard on April 25, 2022
Q: Which ETFs trading on the TSX would you use for Real Estate, Materials, and Industrials exposure?
Read Answer Asked by Alexander on April 25, 2022
Q: Inflation/recession fears are putting pressure on stocks. Rising interest rates, with even more increases to come, are putting pressure on bonds. Looking a few years out, what would be your stock/bond weighting today for a balanced portfolio with the hope of earning 4+% per year? And of your bond weighting, do you still prefer short vs long? Thanks.
Read Answer Asked by Curtis on April 25, 2022
Q: Hello 5I,
I recently bought $GSY on your recommendation as I thought it was a good fit for my portfolio. I then came across some comments it was a predatory lender.. I wondered is this accurate or just a disgruntled ex-employee or customer? I know they deal with less qualified borrowers and get paid more for that risk but is it not a necessary service that is policed by the government?
Thanks
Read Answer Asked by Tyler on April 25, 2022
Q: I noticed the question about "phantom" distributions. I was very surprised to see that the capital gains distributions at the end of the year which are rolled back into NAV show up as taxable but without the Return of Capital adjustment that is needed. So a RoC distribution that requires the ACB to be decreased is shown on T3s but when a phantom RoC distribution that requires the ACB to be increased to the benefit of unit holders is not shown on the T3. How many people are going to pay twice the amount of tax as they should on these distributions?
Read Answer Asked by Earl on April 25, 2022
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