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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: Hello,
I have owned Starwood Property Trust Inc (STWD) for a while, and it has been flat up to now. It provides a 9% yield.

Is this a buy, sell or hold stock? Especially since interest rates are rising. (I thought higher interest rates would benefit this company.) As I am seeing other stocks with better growth potential, I am wondering if this stock is worth holding onto.

Thank you for your help and for the service. Greatly appreciated.
Read Answer Asked by Marc on January 30, 2018
Q: You have described XDV as a high dividend payer vs a dividend grower. I prefer to take the higher dividend now rather than later. Can you tell me if the etf earns all of the dividend paid or is there a return of capital factor. In addition, you don't like the high financial sector weighting. In a rising interest rate environment could the overweighting be a positive? Thank you 5i.
Read Answer Asked by Richard on January 30, 2018
Q: Hello Peter and 5i team
Would you please explain the pros and cons of converting Cdn dollars to US dollars. I recently had two bonds called and am undecided where to put it. I believe the US dollar will strengthen form here and would just sit on the cash.
Thanks for your help. New site features are great.
Read Answer Asked by Gary on January 30, 2018
Q: Hi,
A few days ago I read a question/comment from a member about trying to buy U.S. treasury bills at TD and was told No, he could not. I called TD today on another matter and also asked if I could buy U.S. treasury bills in any of my 3 U.S. accounts (Cash, RRSP, TFSA). I was similarly told No, TD does not offer them. She could not provide a reason and said they only offer Canadian treasury bills. Seems odd.
dave
Read Answer Asked by Dave on January 30, 2018
Q: Hi 5 I team
I presently have BPY.UN and thinking of selling it for its poorer performance and
replacing it with BIP.UN or WSP Global. Could I get your opinion on these two or others that you might suggest. Thanks Maurice
Read Answer Asked by Maurice on January 30, 2018
Q: Hello 5i.
I would like to ask about Portfolio Management as an Individual Investor.
This year I was going to implement an action plan that would engage selling at the point of stock chart breakdown......to help avoid 40% losses like Cineplex handed me in 2017/2018.

The Portfolio has been set up to be well diversified with 5i holdings and a host of other Canadian investments through all sectors.
It feels quite silly to just sit and watch individual names break up trends, breach 50 day and 100 day moving averages and continue to decline in price........taking down the Portfolio value each day.

Some of the names have been spoken about as lifetime holds but seem to be getting hit quite hard as some group of investors have decided to exit their positions.

With the cost of only 9.95 to enable a small investor to get out of the way, what is it about investing that sees recommendations implying Hold these names for the longterm?
(BAM.A, BIP.UN, FTS, PPL, IPL, ENB, BCE, PSK)
Watching 2017 gains slip away hardly makes sense to me.

What is 5i perspective on dealing with markets that seem to be taking away gains thru declining stock prices? How and When does an investor decide getting out is the right action (before I get to the point of maximum pain and then sell)?

I have had a few stocks go to zero. Clearly I can not determine the difference between a short term blip and a developing permanent loss.

Thanks for you insights
Dave
Read Answer Asked by David on January 30, 2018
Q: I am concerned that my Riff account maybe too heavily weighted in utilizes and banks so I would like your opinion on adding north west and Nutrient to the portfolio. Could you comment on safety of Capital and dividend growth. Also, do you think Nutrient will have to issue stock to pay for the recent takeover and if so, at what price ( I would hate to buy only to see the stock price drop.)
Thank you.
Maggie
Read Answer Asked by Maggie on January 30, 2018
Q: Hi 5i Team,
Please provide your stock recommendations (growth companies) for an investor who is interested in making regular fixed lump sum contributions to the same entities month after month . Time horizon for contributing to the holdings is 2-3 years.
Thanks for your great work!
Read Answer Asked by Greg on January 30, 2018
Q: Hi 5i Team

I'm interested in reviewing the dividend history of Canadian pipelines, utilities, reits and other income stocks over the long run, namely through recessions and interest rate movements (the tagged companies are representative). I'm trying to determine if the dividends remain fairly stable or tend to fall under these circumstances.
Can you suggest a source that would help by showing dividends for a company over the long run? Ideally, overlaying short/long term interest rates to save time.

Any help greatly appreciated.
Peter
Read Answer Asked by Peter on January 30, 2018
Q: I am noticing that alot of investors are very worried about a market correction. It is a fact that the market will drop at one point but are we overdoing it at this point and time. If the market is to have a correction in the next 12 to 16 months isnt it still time to be invested in the stronger sectors and maby pull back on the weaker ones
Read Answer Asked by James on January 30, 2018
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