Investment Q&A

Q: Can you please list, in order,the top 3-5 seniors reits and ETFs if such exist?

Q: My portfolio is weak in the medical/healthcare space. I have CSH/SIA (full position when combined), NVO (US, 1/2 position), SIS ( 1/2 position) and GUD (1/4 position). I would like to increase exposure in the sector by the equivalent of about 2 positions. Would you recommend I add to existing stocks or are there others you think I should consider (either Cdn or US is fine for this sector)?

My situation: Retiring in about 2 years and living off investment income. Fortunately we have enough savings that unless I am either foolish or really unlucky, I expect to be "OK".

Thanks for your help. I am doing much better with returns since I started my subscription to your service.

Q: There is always the debate about investment in real estate versus the market. I lean towards the market. If one is to buy a rental property you get better leverage with a mortgage. Your income is from rental from which taxes and maintenance must be deducted. Liquidity is not as good as in the stock market. On the other hand you could buy a good REIT if you wish to stay with property and let someone else do the work and rely on capital gain and dividends and have liquidity. Can you suggest some REITs in which to invest.

The classic example of the thirty year track record Royal Bank where the price went from $3 to near $100 and a dividend of $3 so the stock appreciated by 33 times and the dividend is 100%. You can't touch that with real estate.

Your comment.

Q: What are your thoughts on CSH.UN earnings.

Q: Hi 5i: I currently hold both SIA and CSH, but as part of my stock trimming I am thinking of selling SIA and putting all my eggs into CSH. Does this make sense to you? Thanks for your advice.

Q: Hi Guys

What are your top reits at this time. Given a slow interest increase

Thanks Mike B

Q: I am thinking of replacing positions in Shaw and Rogers with BCE and Chartwell. My only real reason for doing so would be if there was no downside with respect to balance sheets and current valuation and potential upside on share price appreciation and dividend growth over the long term. Would you make the change if those were the only criteria (i.e. without respect to Chartwell's smaller size, different sector etc.)?

Always look forward to your insight, thanks.

Q: Rank the above companies and explain why?

Q: Little decline here on Chartwell- maybe time to add some more... anything specific driving this?

Q: I have a 20% overall weighting in above names. At 57 do you feel this weighting is excessive? Thanks!

Rob

Q: My TFSA Account is primarily made up of the stocks indicated above. In 2017, my net performance was around 2.8%. Would you provide suggestions for a growth stock with reasonable valuations that might help boost performance in 2018 and advise on a reasonable price for point of entry? Also, are there stocks that I hold that you view as a trade at this point with the goal of achieving a reasonable return with moderate risk?

Q: My husband and I hold a very small amount of Chartwell and Telus in our RRSP account. We are approximately 5 - 10 years away from retirement and have a good mix of stocks amongst all the sectors holding only about 15% in fixed income amongst our RRSP and TFSA's combined. Most of our 30 some dividend/growth stocks are ones you've recommended and we tend to be buy and hold investors. My question is when we have a couple of bonds coming due this spring (4%) would you buy more bonds or would you add to Chartwell and Telus? What do you think of Chartwell's high P/E ratio being over 100? We are still contributing to our accounts on a regular basis and could put future contributions towards fixed income if you think we're short in that area.

Q: I hold these 3 RIET’s in my investment accounts. I am looking for a replacement for H&R. Would appreciate your suggestions to provide a reasonable return with some growth. The holding will be in a taxable account.
Thank you
Les

Q: Greetings 5i,

I am making a effort to simplify my portfolio, and would like your advice on my current REIT exposure. Specifically, I currently hold REI.UN and CSH.UN at roughly 4% each, and am unsure whether both are necessary for my long-term strategy. REI is attractive to me based on its ownership of some of Canada's most important retail properties, its intention to diversify into residential holdings, and its excellent yield. CSH is held due to the nature of its business within an aging population, as well its stability in what I consider to be a relatively weak Canadian health care sector (my other healthcare exposure consists of UNH and JNJ). The income potential offered by holding both is nice, but, as a relatively young investor with a longer time-frame, I feel as if the funds from one might be better utilized on something with a slightly higher growth potential.

I am 36 years old, debt-free, conservative (although not totally adverse to risk), and greatly prefer long-term holds that do not require constant monitoring. My investment portfolio is strictly for the purpose of expediting my retirement, and I have no need of its funds for the foreseeable future.

Do you feel as if continuing to hold both would be beneficial, or would you recommend that I let one go and redeploy the capital elsewhere? If the later, which would you recommend I keep as a long term-hold?

Thank you.

Q: Hi There,
This is a two part question regarding my kids RESP account.
The first question, I hold a full position of REI.UN in this account and just learned that as of November, Riocan has suspended their DRIP program. In light of this and the recent weakness, I am considering selling REI.UN and replacing it with CSH.UN. Is this something you think would be prudent, or should I replace it with something other than CSH.UN? (see second part of question)
If I replace REI.UN with CSH.UN I will still have enough cash to buy a position in two of the following stocks, DOL, NFI, GC, PHO, GSY .
In this account I currently hold BNS, MG, FFH,OTEX & REI.UN with a five plus year time frame.
Thank you for your assistance.

Q: I am a current holder of AAR.UN in my RRSP. What are your top 3 real estate companies to replace AAR.UN in an RRSP with a view of a hold of over ten years?

Q: Hi, i am trying to reduce the family's portfolios from 29 stocks to arround 20. I have Sienna and Chartwell. Both together represent 4% of the portfolios. If I was to keep one with a 5 to 10 year time horizon which one would you suggest. Also I do look at a mix of growth and dividend growth but i dont like hight debt, actually i prefer companies with no debt or very low debt. Thank you so much for this fantastic service.

Q: Good morning. I currently have about 7% in healthcare consisting of GUD (4%) and CELG (3%). I'm considering selling CELG and buying CSH.UN. Do you see this as a good trade? Or alternatively, I could go overweight healthcare and hold all 3...thoughts?
Thanks.

Q: In terms of portfolio sector allocation, is it legitimate to consider Canadian Apartment REIT to be a consumer staple; Pure Industrial REIT to be an industrial; and Chartwell to be healthcare? I have 5% in each of these equities -- is it a mistake to be over-concentrated in REITs ? I have a good gain and a good dividend in each of these holdings, but am interested in your perception of interest rate risk and diversification ? Thank you, Tim

Q: I have to sell some of my shares in my registered LIF Account by the end of the year. Which of the two mentioned above should I lighten up on. XCB looks flat and has only a small dividend. I would prefer to keep my CSH.UN for long term.
What is your opinion and reasoning.
Thank you!