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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: XTR iShares Diversified Monthly Income ETF top 10 holdings are iShares Canadian HYBrid Corporate Bd ETF XHB25.78% iShares Floating Rate ETF XFR19.75% iShares Edge MSCI Min Vol USA ETF XMU18.43% iShares S&P/TSX Composite High Div ETF XEI10.65% iShares US Dividend Grwrs ETF CADH Comm CUD8.78% iShares Canadian Select Dividend ETF XDV8.23% iShares US High Yield Bond ETF CADH XHY4.24% iShares S&P/TSX Cdn Prefr Shr ETF Comm CPD4.07%

XTR charges a MER of .62%. Is this in addition to the MER’s charged by each ETF holding?
Thanks
John
Read Answer Asked by John on April 16, 2019
Q: I want to sell 1 - 2% from my open portfolio. I own 14% cbo, 8% xdv, 6% cdz, .5% kxs, .5% sj, 54% vti, 3% vwo, 4% vea & 9% vfv.

What do you suggest to sell?
Read Answer Asked by Wayne on April 16, 2019
Q: My brother has recently moved his retirement portfolio to CIBC. He’s unhappy with the 1-2.5% fees he’s paying in the CIBC only funds he’s been placed into. Thanks to continuing conversations I’ve had with him about the great advice I receive from 5i he’s interested in your suggestions for a retirement portfolio for a 58 year old who has no company pension. Capital preservation and appropriate diversification would be key (and lower fees, of course!) Given the limited info could you suggest funds that would be a solid basis for this situation. I’ll compare it to the portfolio analytics info, which I found to be absolutely invaluable for my own situation.
Read Answer Asked by Warren on April 16, 2019
Q: Hello,
I need to increase my health care exposure and also diversify into the US .
What is your opinion on these two Etf’s, or would you recommend individual stocks and if so which ones.
Thank you
Read Answer Asked by Josette on April 16, 2019
Q: Hi Peter & 5i staff,
I think my last question got lost in the shuffle, so here goes. My Son has a couple of accounts, an RRSP and a LIRA, each with $135 Thousand. Very little time to manage these accounts so I am doing it for him. Is it advisable to go with all in one ETF's like VGRO, XGRO or ZGRO as the funds are not required for at least 15 years. Any suggestions and advice would be much appreciated. Thanks as always. Ivan
Read Answer Asked by Ivan on April 16, 2019
Q: The last question on VPY was asked August, 2018. Recently at Raymond James analyst, "Ms. Phelan upgraded its stock to “strong buy” from “outperform,” seeing a “favourable” inflection point for both revenue growth and its share price".
What are 5iR's thoughts on VPY? Currently I have a small position.
Thanks team. Cheers, Chris
Read Answer Asked by Chris on April 16, 2019
Q: For the above I have the following percentages:
VSC - 2.5%
XBB - 3.3%
XHY - 2.0%
CPD - 1.0%

Next year I must convert to a RIF and was going to work toward lessening my equity portion and increase the portion paying reliable dividends.

What would you increase these holdings up to? Are there others I should consider? I currently have 24% in utilities and a small position of 2.8% in CDZ.

Thank you
Read Answer Asked by Ronald on April 16, 2019
Q: Would you suggest to sell RBF461 and portion of VBAl to raise Cash assuring no negative tax implications for me when withdrawing annually $20,000.

Symbol Name Shares $CAD Value Account Type Yield P/E 1 Yr Return Total Portfolio Weight
RBF461 RBC Select Conservative Portfolio Series A 594 $12,854.00 RRSP Mutual Fund 9.51% 16.4 3.64% 3.14%
VBAL Vanguard Balanced ETF Portfolio 1731 $44,227.00 RRSP Mutual Fund 1.93% 14 4.23% 10.79%
Read Answer Asked by Hali on April 16, 2019
Q: I am interested in what your general guidelines for sector percentage allocations would be at this time and looking forward in 2019. We are retired with pensions ,investments in registered accounts and a balanced approach investor. Second question-your recommendation re percentage allocation Canada/US investment. Thank you for your assistance.
Read Answer Asked by Elizabeth on April 16, 2019
Q: With the guiding lights of 5iResearch, my portfolio value has reached all time high. I would like to express my deep gratitude to Mr.Hodson and his team for the great service, knowledge, education and support.
I am a DIY concentrated, unbalanced, buy and hold investor. Not all of my holding stocks fared so well and contemplate a Spring Weed Out. My losing stocks are namely TSGI (-47%, 2% of portfolio), TCL.a (-45%, 0.6%), IQ (-30%, 0.4%), PHO (-25%, 1.1%), COV (-13.5%, 1%), GUD (-7.4%, 2.5%), TOY (-5.1%, 4.5%), NFI (-4.6% 0.5%), and TV (-68%, 0.01%). Please kindly advise if any of the above holdings require chopping or double down and rank them in priority ? Please deduct deduct my question credits as you see fit. Thank you very much.
Bill
Read Answer Asked by Bill on April 16, 2019
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