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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: Hi guys, I own the following with the respective total portfolio weightings. My TFSA is all CDN and RRSP is a mix of USD/CDN. When I rebalance, should I try and rebalance with respect to % of TFSA and % of RRSP or rebalance each holding as a percent of overall portfolio? If the latter, I would consolidate some of the holdings in my TFSA to bump up the individual weightings. Are there any obvious adjustments that I should make? I’m heavy on AAPL but have sold so much of it over the years I’m very tempted to let the remaining shares ride.
Please deduct as many credits as you see fit and many thanks for the excellent service you provide. The Q/A is invaluable as are the periodic market summaries. You’ve pulled me away from the panic button many, many times.
RESP:
VFV 1.30%
RRSP:
GOOG 4.78%
AYX 3.77%
AAPL 11.77%
BNS 5.26%
ENB 5.50%
GH 3.69%
XQQ 6.23%
JPM 4.80%
GUD 1.63%
NVDA 5.91%
DIS 3.25%
VXC 24.23%
TFSA:
ATD.B 1.96%
CAE 1.30%
WEED 0.48%
CSU 2.73%
GSY 1.94%
GC 1.59%
KXS 1.42%
LSPD 1.80%
MX 0.67%
PHO 1.14%
SHOP 2.69%
Read Answer Asked by Mark on February 19, 2020
Q: hello 5i:
recently, I asked a question about WFC. Thanks for your prompt reply. However, it leads to a second part. I already own BNS and BMO in a weighting I'm comfortable with, but do wish to add another financial (not sold on JPM). TD seems to have a large US presence, something I want, while also seeming to find favour with you over the years as a "go to" name in the financial sector. Obviously then (if I have this right), you'd take TD over WFC. But would just adding to BNS or BMO be a viable option? The only factor these banks seem to lack is the larger US presence.
thanks
Paul L
Read Answer Asked by Paul on February 15, 2020
Q: I have some American cash that I would like to put to work but am hesitant to buy American stocks. I know there are Canadian companies that are listed in the United States. My question is, which Canadian companies that are listed in the U.S. would you buy today, based on the belief that they have the most upward potential for 2020. I would appreciate it if you could suggest 5 or 6 companies.







Read Answer Asked by Les on February 12, 2020
Q: I feel I am over exposed in the Canadian Financial sector with TD and BNS making up 9% and 11% of my portfolio respectively. I also hold 20% VRGO. I wish to sell one bank and increase some of my US equity positions such as MA, V, CRM, MSFT, AMZN for more growth and capital gains. Long term outlook is 5+ years. Does this plan sound reasonable in regards to timing and outlook, and which bank would you prefer to hold?
Read Answer Asked by Shawn on February 04, 2020
Q: Good morning, what are your views on Canadian banking industry, and what 2 banks would be your top picks?

Cheers!
Read Answer Asked by Steven on February 04, 2020
Q: I feel I am over exposed to the Canadian Financial sector with TD and BNS making up 9% & 11% respectively of my portfolio. As well, I'm looking for more growth. I wish to sell one position and increase my US equities such as MA, V, MSFT, CRM. Would you consider this a reasonable plan and what bank would you recommend selling? Thank you.
Read Answer Asked by Shawn on February 04, 2020
Q: I'm looking to invest in one Income stock and I am looking at these three from your model portfolio. I already own BIP but do not own any banks or telcos. Please rank the order these would be considered. Thanks.
Read Answer Asked by Kenneth on February 04, 2020
Q: Portfolio analytics suggest that I lighten my financial stocks, which of these 3 banks do you recommend that I sell.
Thanks
Nancy
Read Answer Asked by Nancy on January 28, 2020
Q: I would like to pick a few names from your income portfolio for my child’s RESP. She is 13 years now, so, I don’t have the safety of very long term hold. Can you short list the top 5 that pose minimum risk of value and dividend decline in that time frame?
Read Answer Asked by Mahdi on January 23, 2020
Q: Ignoring taxes, cash requirements, sector allocation, on a straight-up basis, for a minimum one-year hold, which of the above-listed equities would it be prudent to currently sell,buy, or hold? Thank You
Read Answer Asked by Harold on January 23, 2020
Q: The end of 2018 bmo closed at 89. and bns closed at 68., a difference of about 21.
Last Friday bmo closed at 103.80 and bnn closed at 72.48, a difference of 31.32.
Can you explain the reason for the vast under performance of bns v.s. bmo and do you plan to retain bns in 2 of your portfolios? If so,why ?
Read Answer Asked by Terry on January 21, 2020
Q: These canadian banks represent 20% of my portfolio, I would like to sell CM as it consists of 25% of the financials and is mostly in Canada . Your thoughts please.
Read Answer Asked by nick on January 21, 2020
Q: I want to get back to just one Canadian bank, planning on 3-5 years. I traded BNS for BMO last fall. BMO is up about 12%, and BNS is back to par. I did not intend to be trading the stocks again, but now I am thinking I should take the 12% BMO profit, and put it in BNS. BNS has a slightly higher dividend, and long-term, both are good, stable stocks. I have about 1% in TD, which I plan to sell. BMO IS about 3% of my portfolio. US banks another 2%.
Is this a good idea, or do you have one Canadian Bank you prefer for 3-5 Year. Thanks
Grant
Read Answer Asked by Grant on January 20, 2020
Q: If you were to pick 1 Canadian bank for a long term hold (10 - 15 years), which one would you choose? Also, what order would you rank these banks?
Read Answer Asked by Zeya on January 16, 2020
Q: Looking for couple of stocks or ETFs with a 4%+ yield to add to an existing RESP. My time frame to hold would be about 4 years and the weighting would be about 5% of my portfolio. I am fairly well diversified so do not have any sector preferences, just want something lower risk that I can hold for a few years that will pay a decent dividend.
What would be your recommendations?
Many Thanks.
Read Answer Asked by Marie on January 15, 2020
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