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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: Greetings 5i
When I subscribed to 5i back in April 2013, I was pretty green (still am) and started picking (mainly growth) stocks instead of creating a portfolio. I think I picked some fairly good stocks but I do not have market cap or sector balance. For the first 9 months or so everything went UP. But recently I learned that stocks sometimes go down.

I own Avigilon, Badger, DHX Media, Descartes, Element, Fiera, Macro, McDonald, Paladin, Redknee, and Tricon.

Now I plan to somehow transition to a portfolio, still leaning toward growth.

In addition to the stocks listed above, of the Model I currently own Amaya, Constellation, Enghouse, and Stantec.

Over the next 12 months I am wondering if I should slowly build the model portfolio, one stock at a time, or should I just add select stocks to create some balance to my current holdings?

Can you give me a sense of the order in which I might make my monthly purchases to create some sector balance. I do not need yield as I have very secure income from other sources.

Outside the Model I am looking at Boyd, SunLife, and Stella. (and maybe ACQ or Davis?)

Thank you for fabulous service.
Read Answer Asked by Gordon on February 09, 2014
Q: do you have an opinion or info on deswell indus.- dswl
Read Answer Asked by jim on February 09, 2014
Q: XSR: reported FQ1 miss, conversion convertible notes to shares and has come down a lot-so; worth buying now for a trade as a very small part of my portfolio??
Read Answer Asked by James on February 09, 2014
Q: Hello Peter and the 5i Team,

In an answer to a member's question, VIG was recommended as a US Dividend ETF. I own CLU.C, and its chart seems to be better than VIG. I'd appreciate your comments regarding CLU.C. Thanks in advance.
Read Answer Asked by Jerry on February 09, 2014
Q: Hello Peter,

I have a small interest in RDK, redhawk resources, what can you tell me about the future outlook for this company?

Monika
Read Answer Asked by Monika on February 09, 2014
Q: My stock portfolio consists of 19% O&G stocks, all Canadian. Of these CNQ is 41%, Cenovus (CVE) is 19%, Suncor (SU) is 21%, and Husky (HSE) is 13%. Vermillion (VET), Paramount (POU), Legacy (LEG) and Twin Butte (TBE) make up the remaining 6%. None except Vermillion are in your O&G recommendations. I was thinking of buying some of your recommended stocks but with such a high percentage already in O&G should I sell some of my majors. Although I like to hold stocks forever, it seems that I might be holding some old dogs. Do you have any recommendations of which I should sell and which from your recommended list (also perhaps more Legacy???) you feel I should replace them with. I am looking to hold for at least 3 years and probably for up to 20 years. Your recommended list from Jan 24, 2014 was Tourmaline, Peyto, Surge, Bellatrix, Whitecap, Raging River, Vermillion, Baytex, and Torq. Thank you very much, I have a great deal of respect for your opinion.
Read Answer Asked by ED on February 09, 2014
Q: Re Crude by rail ... I am thinking that *IF* and WHEN Keystone gets approved, stocks that are heavily invested in crude by rail delivery may get hit. What are your thoughts on this? Do you see any risk in this regard and if so, could you share those stocks most at risk? Thanks in advance.
Read Answer Asked by orion on February 09, 2014
Q: This is to follow-up on the question posed by Linda on Jan 9/14 re. tax issues/negative factors to be considered with holding US (or other foreign)dividend paying stocks in a TFSA. Your response was that, yes, in a TFSA witholding tax will be applied on foreign dividends: in an RRSP it will not.
I'm not sure how much weight to give this info when structuring your TFSA. Should it just be -No- TFSA is not the optimal place to hold foreign equity - get your foreign exposure elsewhere. Or - Yes - this is something you should be aware of - it will act as a bit of a drag on returns - but should be subordinate to the over-all objective of your TFSA.
Specifically, I would like to re-structue my TFSA to replicate a mini stand-alone portfolio. And to do so I was considering the Mawer Balanced Fund as a simple one step solution - 40% FI; 20% Can. equity: 40% foreign equity - MER below 1% and consistently outperforms its benchmark.
Question: should the negative tax implications on the 40% foreign component be cause enough not to follow this approach?
Thank-you

Read Answer Asked by William on February 09, 2014
Q: Hi Peter and 5i Gang,

Last year I reallocated some of my portfolio to Canadian REITs, unfortunately at the worst time! Before any indication of tapering and the resultant sector decline. So I am underwater between 5% and 20% on my REIT positions now. I notice that they haven't been bouncing back all that enthusiastically and am scratching my head as to why not and whether or not to reallocate out of REITs.

Any thoughts or comments on the sector? Are you able to give me your thoughts about the future prospects of NWH.UN, my worst performer (-19%)?

Many thanks, Derek
Read Answer Asked by Derek on February 09, 2014
Q: INO.un attracted my attention with its high yield. If Europe is in recovery mode this one could move higher. DI.un also in Europe but concentration in Germany, a much bigger Reit with roughly the same yield. I would appreciate your opinion and which one would be your choice or would you prefer another Reit? Which one?

Thanks
Read Answer Asked by Saad on February 09, 2014
Q: Hi, given the choice between retractable preferred shares and perpetual preferred shares, what would be the better option, in like of today's potentially higher interest rate environment going forward? Thanks, your Q & A section is my must read daily!
Read Answer Asked by ANDY on February 09, 2014
Q: Kindly give your insight on GCL. Do you see more positives or ne

gatives over the nest two years. Please elaborate.

Thanks, Lou
Read Answer Asked by Louis on February 09, 2014
Q: Greetings, Team:

I wonder why resource stocks (e.g. Baytex and Crescent Point) tend to go down and are criticized, whereas tech and pharma stocks (e.g. Constellation and Valient) tend to go up when they acquire?
Read Answer Asked by james on February 09, 2014
Q: Are any members familiar with the Linde Equity Report which focuses on American stocks? In 2013 it was ranked top financial newsletter - in contrast Jim Cramer's (Mad Money)was 77th. I'd appreciate any feedback members may provide.
Thank you in advance,
Helen
Read Answer Asked by Helen on February 08, 2014
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