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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 Peter and team, I'm just starting to look into setting up my RRIF and wanted to ask if 5i could recommend any good reading materials, with respect to what sort of assumptions I should make? Currently my portfolios are producing income which would equate to about the minimum I would consider withdrawing on an annual basis. This will be my only income other than CPP and OAS. Is there any benefit to equalizing my US/CAD exposures when I'm not really planning much travel to US? For example, I could replace my Telus with VZ or my RY with JPM. Thanks again for your great service.
Read Answer Asked by Keith on February 14, 2019
Q: My target allocation to Financials is 15%. Within that group, I would like your advice on the following selection and allocation: TD-25%; CME - 8%; SIVB - 8%; MFC - 8%; BAM - 16%; BX - 16%; FSZ - 12%; XLF - 6% [or another bank].
This grouping is intended to provide both overall yield and growth; accepting some volatility. What would, in your view, be a reasonable target return for such a grouping? Please advise on target percent allocation to the sector. Which ones would you recommend and what alternatives would you prefer?.
Read Answer Asked by sam on January 16, 2019
Q: I am trying to consolidate my U.S. TFSA into ETF's. On the tech side I own AMZN( nice profit) NVDA ( down 38%) and SPOT (down 4%) I am thinking of selling them and buying QQQ ETF instead.
On the financial side I own JPM (down 2.7%) V (down 1%) and SQ (down 6%) Thinking of selling these and buying DGRO ETF.
Your thoughts on this? Also if there are other ETF's that you think would be better for tech and financials, please let me know. Please deduct two credits if you deem it necessary.
Thanks for your great advice,
Jen
Read Answer Asked by Jennifer on December 17, 2018
Q: I believe JPM is your preferred US bank based on a prior question. I'm wondering if you can compare and contrast it to Wells Fargo and make the case for one over the other? I'm curious as P/E difference seems insignificant between the two. The Buffet backing of Wells Fargo is interesting as well. Can you comment on why he prefers it? Take 2-3 credits as needed! Thanks
Read Answer Asked by Tim on December 17, 2018
Q: Can I have your comments on BNS's earnings and announcements this morning? At first glance it doesn't seem likely to be well received. Would this be a time to switch into a better performing bank or add to the one that is underperforming? Could you suggest which US bank and which Canadian bank you would switch to? (no problem if this is a multi credit question).
Read Answer Asked by Tim on November 27, 2018
Q: Hello 5i,
I am up $3000 to $4000 on JPM, MMM, PEP and others. I am down $3000 on KWH, RME, TCL.A. and others. I do not need money and can stay invested in all. I am retired, 72, with good pensions. I am inclined to just stay put and collect dividends. Should I sell and apply the losses to the gains or just stay put as I am inclined to do?
Thanx,
Stanley
Read Answer Asked by STANLEY on October 30, 2018
Q: Lads the above are my US dollar income tilt portfolio holdings. My goal is to add some US cash to stable dividend payers (some of these and perhaps some others you can suggest). Two questions I have - first, could you possibly rank these 9 from most stable to least so I can consider which ones are the most stable to add to my current holding and second, can you recommend some other US equities providing a minimum 3% dividend that you view as stable holdings. Thanks as always for your guidance.
Read Answer Asked by Ken on October 03, 2018
Q: Looking to add some US companies to my non-registered portfolio. Can you suggest 5 US companies that you consider to have some Growth and Value. No Tech companies.
Thanks
Read Answer Asked by JOHN on September 18, 2018
Q: my portfolio is 80 %growth 20 @% income and growth. wihtout adding new money I want to prune 20 % from growth stocks that have done well for me eg cgi.

as a first step I thought of financials I have full opposition in bof America, td and half in JPMorgan.

so should I add to JPMORGAN or create new in bANK OF NOVA SCOTIAOR MANULIFE.
NEXT when I release more from growthi ilke to consider adding to my half position in fortis or new in Algonquin and other growth and income stocks like pembina pipeline

hope the phrasing makes sense
Read Answer Asked by thambirajah on August 24, 2018
Q: Thanks for my div. answer. Now with US Cash from my netflix sale to increase my div. income would you agree that buying some US div.payers would be wise. If so please advise some worthy candidates or div. ETF, to stay in the stronger US market. Thanks.
Read Answer Asked by Peter on August 14, 2018
Q: Hi group...I own JPM + BOA in the US and BNS+ RBC +TD In Canada- Looking like US banks are under more pressure on the last few days (Turkey situation worsens +JPM + BOA down close to 5%) - why are US banks getting hit so hard / going fwd do you like US banks are would you stick to Canadian banks ? - Your comments re appreciated
Read Answer Asked by Terence on August 13, 2018
Q: Good Afternoon,
I don't follow the US market that closely, I'm looking for a handful of safer blue chip dividend payers ? Such as AT&T , perhaps you can list a few other names in various sectors you feel are well managed companies with good yield.
Thank-you
Read Answer Asked by Chris on July 30, 2018
Q: hi Peter, In my previous question, regarding good candidates for covered call strategy. I forgot to mention that interested in US stocks due to better option premium. Can you please provide 5-6 names . dividend payment would be bonus. Thanks
Read Answer Asked by RUPINDER on July 27, 2018
Q: I understand that US companies are not your focus but am looking for some advice on these companies. I hold the above companies in the US side of my RSP account and am wondering about holding both JPM and BAC. Would you recommend dropping one of these US banks and if so which one? If yes, what would you replace it with?

Thanks Ken
Read Answer Asked by Ken on July 06, 2018
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