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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: Peter and team:
In my kid's RESP, I am trying to transition away from individual equities into ETF's as we approach the time that it will be required.They currently hold ZWB, ZRE, ZLB & ZLU. I was thinking of adding ZDV to this. Would this be redundant, or help in diversity along with increased yield.

Thank you as always.

Phil
Read Answer Asked by Phil on June 06, 2016
Q: My son is in his mid-thirties and has very limited time available to actively follow/trade the markets. He is looking for a simple, passive investment portfolio with very broad exposure, a modest dividend focus, and that is rebalanced, ideally, once a year. Can you comment on the following proposed portfolio and allocations, assuming about $100k? Are there any alternatives he should consider? Should he modify his approach in a TSFA/RRSP? Thanks.

VAB - 20% (Canadian bonds)
VCN - 15% (Canadian equity)
VDY - 15% (Canadian dividend)
VXC - 50% (Global equity excluding Canada)
Read Answer Asked by Sheldon on June 06, 2016
Q: Bought a small portion of ZWU(covered call utilities with 0.72% mer) @ $15.04 in mid 2013(now$13.33) & loss is covered by the 0.08pm distribution.Please advise if I should switch to T,BCE.FTS, CDZ(0.67% mer) or Zlb(.39% mer)In 2013,I did not know what stock in the sector to buy.Since I joined 5I,I learn a lot & now tend to prefer a stock that is suggested by You.Thanks for your usual great advices & services.
Read Answer Asked by Peter on June 06, 2016
Q: In Oct. 2014, I noticed that IRG was about to initiate paying a dividend and, following your general observation that it is a good sign when a company does this, I bought some shares that are now up 62%. The shares do seem now to be in holding pattern and I am writing to ask if you think it is time to move on or if you see a continuing upside and would suggest hanging on.
Thank you for your great service,
Bob.
Read Answer Asked by Lynn on June 03, 2016
Q: Given today's market and the expectation of a US rate hike, could you identify 5 ETF's that you would be comfortable with to provide safety of principal and income. Thanks.
Read Answer Asked by Curtis on June 03, 2016
Q: I am thinking about parking some cash in one or both of these ETF's (perhaps a 50/50 split) for the next 12 months. I understand that rate increases could adversely impact the unit price but given that rates are not expected to increase in Canada anytime soon and these are Canadian corporate bond funds not American would there be any impact from a US rate hike? If so, why? Secondly, what do you think of the downside risk and is there a better option you would suggest.
Thank you
Read Answer Asked by Douglas on June 02, 2016
Q: Ours is a very conservative portfolio, with one third in dividend-paying equities, half of that individual stocks and half no-load funds. The latter's performance doesn't seem to justify the MER's so I would like to reduce, maybe eliminate, that cost, roughly $5,000 per year. Any thoughts you might have on how best to effect that change and what form that should take, eg less funds, more stocks and/or ETF's, will be much appreciated.
Read Answer Asked by Bill on June 01, 2016
Q: I have some cash in my account and am thinking of adding to MAL and to XHY. Recent news and performance of MAL has been good, but I am concerned about the effect of US rate increases on XHY. My account is well diversified. I would appreciate your comments on both.
Read Answer Asked by Roland on June 01, 2016
Q: This ETF in your Income P/F has been pretty flat since 5i started it, I think in 2014, and do you think it will remain a long term hold? How much of a hit would you expect it to take with a quarter point rise in the Fed rate and what is its duration? Thanks, J.
Read Answer Asked by Jeff on May 31, 2016
Q: I would like to divide $100,000.00 into 4 ETS of equal weights. Preferably high yield but still conservative. I have been trying to do it myself but I am overwhelmed by the choices. I currently have the two above but they may be too much the same.

Thanks for being there!
Bryan
Read Answer Asked by Bryan on May 30, 2016
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