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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: My daughter has a Family RESP Account for our 2 grandaughters.
They are soon to be 16 and 13 years young.
Both, at this stage of the education game, appear to be headed to college or university.. I contribute monthly into the RESP plan for my grandchildren.
The original funds were invested in a Target 2025 mutual fund RBF1048, recently rename to RBF5731. This is showing an inception return of 4.4%. Since 2016 I have been investing this thru my Direct Investing Account. My present portfolio mix is about 98% equity Stock and is showing a return of 28%, since inception.
Finally to my question. Since the oldest Granddaughter will be attending post secondary education in the next 2 years and little.
What is your suggestion on how to split the total amount? Should I start investing more in fixed income?
Any other suggestions you have for a situation like this?
Thanks team,,,, your are my number 1 in finance.
Read Answer Asked by Ken on May 10, 2022
Q: Yesterday would have been Benjamin Graham's 128th birthday. Born in London on May 9, 1894, Graham founded the disciplines of security analysis and value investing, was Warren Buffett's mentor and wrote the classic book after which this newsletter is named.

Graham knew hardship. His father died when Ben was only eight years old, and the family business -- importing porcelain and decorative objects -- fell apart. His mother's brokerage account was wiped out in the Panic of 1907. Graham never forgot being sent to the bank as a boy and hearing the teller ask whether his mother was "good for five dollars."

Then, in and after the Crash of 1929, Graham's investment partnerships were almost wiped out. He went on to build one of the greatest investing track records of the 20th century, but he never forgot the lessons of loss:

Don't invest using borrowed money.
Never pay too much for the prospect of future profits.
Never count on greater fools to bail you out of reckless risks.
Above all, your results depend much less on how markets behave than on how you behave.
As fear fills the air and financial markets around the world continue to totter, do yourself a favor and read -- or reread -- what I consider the most important paragraph about investing Graham ever wrote. It may, in fact, be the most important paragraph about investing anyone has ever written:
Peter; Publish if you wish. Rod
Read Answer Asked by Rodney on May 10, 2022
Q: Given the current market sell-off, could you please give me three growth stocks and three value stocks that you believe are seriously oversold and "on sale" at current levels. Would appreciate a line or two on why you are choosing these stocks.
Thanks!
Read Answer Asked by Chuck on May 10, 2022
Q: Happy Friday,

With the current dip and a further downside expected are there any income equities that you would classify as very attractive.

Looking for some new ideas. I have lots of banks, pipes, telcos, utilities, insurance cos, etc. but am not immune to buying more.

Anything in the US really strike you fancy?

Thanks very much and have a great weekend.
Read Answer Asked by Dave on May 10, 2022
Q: Seems like there is some indiscriminate selling of rate reset prefs
last few days. Not sure this makes sense.
What are your three top rate reset ideas at the moment, that are NOT in the energy/pipeline sector
Thanks
Read Answer Asked by john on May 10, 2022
Q: Do you have a good reference site which I can use to compare historical interest rates vs each sector?
Read Answer Asked by Craig on May 10, 2022
Q: Hi 5i Team - GoGold has fallen off by about a third since March. Do you know of any reasons for this. I am considering purchasing a small position but am concerned about the downward momentum. Also are there any other junior golds with some production as well as exploration potential that you would recommend. Thanks.
Read Answer Asked by Rob on May 10, 2022
Q: For the income investor, would you be buying CVD right now as it hits some lows, or would you wait as it could continue to go down? What do you think is a good entry point? Or are there better options out there for the same type of dividend? And do I get the dividend tax credit in a non registered account? Thanks so much, your services are much appreciated in times like these.
Read Answer Asked by Pat on May 10, 2022
Q: Hello, I am thinking of purchasing BAM.A. For tax efficiency is it best in a non registered or corporate account? Not clear about what percentage qualifies as a full position in my portfolio. What would be a guideline.
Read Answer Asked by Lorraine on May 10, 2022
Q: This company has been moving up lately due to the shift to value. I hold an overweight position in several accounts and after several years of flat to negative price momentum i am considering selling my positions as its earnings are very lumpy and has not proven to be the best investment. Would you sell now or wait for the momentum to hopefully take the stock higher?
Read Answer Asked by John on May 10, 2022
Q: Can you provide any colour on the continued very weak performance of Bam.a?Its been brutal
Read Answer Asked by Kim on May 10, 2022
Q: Everyone, I was never good at knowing when the market tops out or when it hits a bottom - the bell never rings. What I know is holding the best of the best and waiting ten years, it always works. My techs are down - yawn - but in the last decade my investments are up 10 times my original investment. I will take that everyday! Many thanks for your work and I all your responses EVERYDAY! Clayton
Read Answer Asked by Clayton on May 10, 2022
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