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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 am underinvested in US stocks - my USD account is only 1/30 of my portfolio.
1. I have missed some great opportunities and I can't buy anything without incurring 11.3% exchange ... HOWEVER People are talking about 15% exchange in coming months.
2. I don't wish to be too late in play if the CAD returns to Par.
3. What is the smart money doing ?

I guess it is best to inch into these things ...
You talk about having 1/5 in US equities and I'm not even close !...
Read Answer Asked by Thomas on April 07, 2014
Q: Hi 5i: What would you think of using JNK instead of XHY for income? I would hold it in my RIF account.
Read Answer Asked by Roland on April 07, 2014
Q: Hi Team
Crescent Point Energy has some detractors due,they say, to the dilution of share value and the high payout ratio. It is essentially the same price I paid for it several years ago and it keeps me awake at night although I like the almost 7% payout. Would you recommend a swap into Tourmaline?
Read Answer Asked by David on April 06, 2014
Q: Hello 5i team
With the changes in your model portfolio and the new income portfolio I have some questions regarding making changes to my portfolio.
I have owned TransCanada Pipe Line for a while, bought at $36 so I have a nice capital gain. I see you prefer Enbridge which I have avoided because of its expensive valuation. I own TRP for income and growth, I have 1000 shares, should I swap for Enbridge? TRP is in my RRIF account.
I recently bought Precision drilling but this is not in your portfolio, I was diversifying into the oil and gas services sector. Would you recommend a swap with Black Diamond Group or do you have an alternate?
Thank you David.
Read Answer Asked by David on April 06, 2014
Q: I have a large portfolio consisting of Canadian stocks - large cap only. I think my portfolio should be more diversified and I was wondering what percent you would suggest for your model portfolio as well as US stocks. And would you put the US stocks in an RRSP to avoid withholding taxes? Thanks for the advice!
Read Answer Asked by Linda on April 06, 2014
Q: Hi 5i Team,

I cannot find a consistent definition of small-cap, mid-cap, large cap, and even micro-cap (anything else?). Everyone seems to have their own definitions. Since you use these terms frequently can you define in terms of market capitalization what they mean to you (5i research) for Canadian and US stocks.

Also what are the market capitalization values that seem to trigger more investor interest in a company? For Canadian stocks it seems that once market cap reaches one billion dollars, it gets more investor interest (I think I read that here).

Thanks,
Paul
Read Answer Asked by Paul on April 06, 2014
Q: Over the past few years I have made significant profits in the markets.How do I safeguard thse profits as I FEAR A SIGNIFICANT correction is looming?I have vivid memories of 2008.Is a 10% stop loss a good way? Or what can you suggest> Thank-you
Read Answer Asked by Francesco on April 06, 2014
Q: I have a full position in CUS Canexus and AD Alaris Royalties. I've essentially given up on CUS and am doubting AD. I'm thinking to sell both and invest the the proceeds into CCL.B CCL Industries and BDI Black Diamond group.

I generally don't do much trading and like to be patient but these two especially CUS have really messed up lately. What is your opinion on this.
Read Answer Asked by Andrew on April 06, 2014
Q: Dear Peter/team,
It is very nice for you to answer all members questions and as membership increases - I think it will - you may not have time to answer all their questions, and some members are demanding a lot.
I wish you would put some more time on the real research than answer some of the repeated questions.
Thanks Again.
Read Answer Asked by Tak on April 06, 2014
Q: Thank You to 5i team for the assistance you provide,i resetting my rsp. portfolio based on your income list.For many years i kept PPL running on ours RSP and TSFA and added some TOG about 6 months ago,can ENB and SGY be replace by PPL and TOG in the same size proportion about 5% in each account i'm over 70 (yes)
Dan
Read Answer Asked by DANIEL on April 06, 2014
Q: Hi 5i: I recently (5th, maybe the 4th) asked a question that hasn't had a response yet. Maybe I'm just being impatient, but I thought I'd repeat it just in case. I was wondering if JNK might replace XHY in the income portfolio given that I will be holding it in a RIF account. It seems to me that the JNK numbers are a little better than those for XHY. Thanks.
Read Answer Asked by Roland on April 06, 2014
Q: My first day as a member and I already I feel good about your website......your thoughts on enf as well as agf.b I love the big dividend payers that have a good peg ratio,do you think these two are exactly that? I look forward to your insight.
Read Answer Asked by ron on April 06, 2014
Q: Hello

I hold Surge energy in my self-directed RSP account and who is taking over as a merger of Longview oil that I hold in my
non-registered direct trading cash account.
I will be left with after the takeover/merger of Longview oil, only shares of Surge Energy in my RSP registered account.
How will this affect my RSP contribution amount and the tax implications in both accounts.

Thanks
Michael
Read Answer Asked by Michael on April 06, 2014
Q: I have had a great run thanks to your excellent advice, and have positions with AVO BAD BYD.UN CSU ESL MG STN BDI BEP.UN
FCR HR.UN WFC ALA BNS. Most are within 3% and 8% of the total portfolio(2 RRSP accounts and one general trading a/c)However I am pushing my luck with Badger which has been outstanding, but now represents 33% of the portfolio. If I trim this back, what would be your suggestions? CSL represents only 2.6% of the portfolio. Thanks again.
Read Answer Asked by steve on April 06, 2014
Q: The website adjustedcostbase.ca lists Canadian MoneySaver as featuring their free service. Do you recommend using this service for tracking adjusted cost base and capital gains?
Read Answer Asked by Alan on April 06, 2014
Q: I am considering selling my BPF.UN shares and purchasing HSE,BP gives better dividends and it has bounced back and with summer and softball season it will do better, but when it dropped these last few months I got nervous, any recommendations.
Read Answer Asked by IAN on April 06, 2014
Q: Hi, I am interested in Toronto Dominion's preferred share TD.PR.O. It yields 4.85% & is presently trading above 25$. The prospectus states that after Oct 30, 2014, the bank will only pay 25$ if the bank chooses to redeem the shares. Would you at 5i have any insight as to what might happen to the yield after Oct 30? Does it remain at 4.85% forever. Thanks ... Cal
Read Answer Asked by cal on April 06, 2014
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