Investment Q&A

Q: TA.PR.J - are the new terms applicable to this series and if so, what exactly are the new terms?
Thanks

Q: Please explain why ENB uses the "drop down" of assets to ENF? As a heavily indebted company (ENB), does this tactic make it easier to access capital in the future by selling a portion of the shares it owns in ENF than issue more debt?

Q: I occasionally see a reference or a prediction in the financial press to "it would boost S&P earnings by US$10". Since I'm pretty sure that both S&P as a company, and the companies in their indexes, all earn much more than $10, what are these authors telling me? Thanks! James

Q: I am helping my son with his self directed RRSP and he has TD but would like to add another financial stock so which of the 3 listed would you suggest or is there a different one you would suggest? He is 31 years so has lots of time for investing.

Q: for a young person with their own RRSP and LIRA would be best to use the balanced portfolio or should they add some growth stocks as well?

Thanks
D

Q: IS THIS STOCK A GOOD BUY AT THIS TIME?

Q: can you give me your opinion of the CCL purchase of Innovia
CCL market cap is about 9B. This purchase is more then 10% of its
MC.A big bite. My read is very positive, but what do I know.
CCl is a large % of my portfolio since about $89.00

Q: H i Team, I have google alerts set up to send me emails pointing me to news stories, reports, releases, etc. regarding the various companies that I want to follow. More and more, I am finding, almost all of the alerts I get are links to reports churned out by robots (ie. wall street confidential) that really don't seem to provide the insight that real analysts and reporters can provide. My question is weather you or perhaps any other subscribers know of a way to filter out the robot links while still receiving company stories, news, reports etc. that real people (all be it potentially biased) wrote. One thing that I can count on every day is excellent, non biased answers to questions penned by all of the real caring folks at 5i!! Thank you!
John

Q: In response to a question about reverse mortgages from Deborah, I recently worked out a spreadsheet comparing a reverse mortgage (CHIP) with a secured line of credit. The CHIP was at 4.74 at the time (I can't remember where I got that number but it was accurate) and assuming interest rate increases, after 10 years, the CHIP had grown from an original $44,000 to $289,326. The LOC at a current 2.94%, grew to $176,500 a difference of well over $100,000. CHIPs do offer a good product but it's not the only one and they are expensive. Many seniors (me included) find themselves with a pretty good net worth but with a problematic cash flow so Deborah's question is appropriate.
Both scenarios on my spreadsheet included a $1200 monthly income. I am also aware that my calculations are approximate. An actual program could work out interest calculations more accurately depending on how they are applied but that would weight even more in a secured line-of-credit's favour I would think.both scenarios on my spreadsheet included a $1200 monthly income. Sorry about that. I am also aware that my calculations are approximate. An actual program could work out interest calculations more accurately depending on how they are applied but that would weight even more in a secured line-of-credit's favour I would think.

Q: Peter and team:

I own a substantial amount of CCO in a Non Registered account.

What are your thoughts regarding the tax investigations from both CRA and IRS, and the potential implications this may have on the company moving forward.

Thanks

Phil

Q: For tax loss purposes, which of these would you sell and is there a case to keep holding the others?
Thank you

Q: I have held these stocks for several years and overall they are up in my portfolio. In the last year that have been flat or down. Are they a hold or sell for the 2017. They are held in a non registered account. Thanks for insight

Q: Hi Peter at my family's insistence we took a position on the subject stock when the posted their last results since this stock has been dead money with a very small dividend .
What your thinking on this stock is it worth to hold or should I move on and take the heat from the family
Kind regards
Stan

Q: Overnight it would appear that this fund has lost 7.73% of its value.
Would this be as a result of a special dividend paid but not credited or has its net asset value dropped significantly and abruptly?
Dave

Q: viewing my portfolio today I noticed that ptg was up to 1.80 from .41. Is this due to moving to the tsx or has the stock consullidated 1 for 4 or both. thank you.

Q: Hi. I love the information you guys give. This might be out of your expertise but I have been trying to get the scoop on these reverse mortgage es I see advertised. No one seems to post the costs and no double the traps involved. Do you know where such information can be found.Thanks and Merry Christmas. Debbie Hendriks

Q: Held CHW since March/2014 & save & except for the Dividend of 7+%, it has shown no positive improvement. I am down approx 25%. Any reason to hang on any longer?? Thank you.

Q: Good morning. I was watching an interview with David Rosenberg who commented that Japanese stocks had an attractive valuation compared to historical norms and should benefit from a depreciating yen. I see that you can buy CJP commission-free in iTrade so was considering it since I have no non-North American exposure. It would be held in RRSP with a long term horizon. Thanks for your insights. Steven

Q: I am doing some sector adjustment in my portfolio and would appreciate your input. I have 5 REITS (ap.un, fcr, sru.un, nhw.un and car.un) but only 1 utility (BEP.UN). I am considering selling First Capital (FCR) and buying either Algonquin Power (AQN) or Altagas (ALA). I am looking for income with enough potential growth to compensate for any cost-of-living increase. Do you agree with my choices? If not, could you propose alternatives. Thanks, as always.

Q: Hi Peter and Ryan,

On December 16th, RBC Capital confirmed their Outperform rating with a $24.00 12 month Target Price. Can I get your opinion of this company, especially given its recent pullback and its nice dividend.

Thanks

Dave