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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 cashed out my segregated funds for RESP from an investment firm because I recently understood how high their MER was.

I now have CA$70,000 in hand. I know that I will need half those funds starting 5 years from now from 1 child and then 7 years from now for the second child.

Should I put everything in a GIC paying 3.1% or put all in your Income Portfolio or invest 50% in each?

Thanks
Read Answer Asked by Vani on April 03, 2019
Q: Hi, What will be the new no. of outstanding shares for Savaria, with 5 mln new shares issued and the insider ownership ( Mr Bouroussa and family, with addition of 71,000 committed from new issue) ? Based on 2019 guidance, and taking into account this dilution, what will be the pay out ratio ? Is this dividend 3.5 cents/month sustainable, in your view ? While no one likes a secondary at $14.15 after an issue at $16.60, a year ago, on a positive note, company could pay down a large portion of $101 mln debt, thus strengthening the balance sheet. Is there a silver lining and stock is worth adding at current level for 3% dividend yield and growth ? Also, is there a lock-in period of 4 months for the new shares from April 22, the expected closing date of secondary? Could it place more pressure on the stock, down the road ? Thank You
Read Answer Asked by rajeev on April 03, 2019
Q: Hi, several analysts started coverage of Lightspeed, yesterday with most price targets in the range of $25-$26 and Buy/Outperform ratings. Thank you for your analysis, in advance, during past 3 weeks. I have taken a small 1% position. The 1st set of earnings is not expected until May. Do you feel comfortable to build up the holding to 2% at current price, or it's prudent to wait until results ? Thanks
Read Answer Asked by rajeev on April 03, 2019
Q: Hi, These are two stocks in the portfolios which have lost 40-50% value within a short span of 12 months.( TSGI is another one, but we have already liquidated full position with 50-60% loss) TCL.a was $31, a year ago and is $16.70 now and PBH is trading at $76 after reaching a high of $120, last year. There are, of course, company specific reasons, which resulted in such steep declines. We still own both but our holding has come down to 3.5% from original 5-6%, due to loss in value. Recents results showed some positive signs for PBH but not so much for TCL.a. Looking forward, which of the two stocks, in your view, is more likely to recover over next 12-24 months, from current levels. Based on the risk and reward, is it prudent to shave each holding by 1% and reallocate the capital to better opportunities in your portfolios ? If yes, do you have a preference between the two, where risk is relatively higher ? Thank You
Read Answer Asked by rajeev on April 03, 2019
Q: For international developed equity I own VEF and the asset allocator is suggesting VIU. Is there enough of a difference between these two for me to switch?
Read Answer Asked by Carla on April 02, 2019
Q: Hi, In order to increase my international exposure, I am considering VIU. But I was wondering if there are any equivalent of IWO for international exposure (i.e. a more aggressive small/midcap international exposure), a low cost mutual fund may be an option as well. Thanks.

Regards,

Shyam
Read Answer Asked by Shyam on April 02, 2019
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