Investment Q&A

Q: I'm looking for monthly retirement income. Please suggest a few of your favorite ETF'S that I could invest in that would provide me with a monthly income stream. I am hoping you can suggest investments that would yield 4% or better. I realize that to provide this kind of return I will have to accept some level of risk and I'm prepared to do this. However, I hope you can suggest some investments that are relatively safe. If you know of any other possibilities I would appreciate any guidance you can give to me.
As always, I appreciate any advice you can give to me.


I thank you for your guidance.

Q: Good Morning Gentlemen,

I am writing to you to get your counsel in developing a long term diversified portfolio in US$.

My Canadian portfolio is based on the 5i 3 platforms.

My objective is to outperform the SPY if possible.
I have chosen 5 ETF’s that when analyzing them seemed to show good performance, good Morningstar rating, and non duplicated holdings.

I have researched their MER’s, objectives etc.

My question to you, (I obviously am not a PM, but Peter is) is by purchasing these etfs:
1)am I duplicating effort?
2)Am I diversifying sufficiently or too much?
3)Would you recommend I add or delete any suggested holding?
5)I have no specific sector ETF, as I can’t predict which one will outperform, is that ok?

Here they are:
Dividend: SDOG (unique approach)
Large Cap: PRF
Small Cap :IJK
Low Volatility: SPLV
Growth: IWY.
Thanks so much in advance for your advice/suggestions.

Sheldon

Q: My question is about selling puts on bns as an example. Any advice on how to start out as I am new with options. Have done quite a bit of reading on the subject. I have my account with TD set up for options 2y ago. What would you recommend as a strike price and how far out would you go. I was thinking about 3 to 6 weeks. What sectors would you currently recommend for selling puts. Any reading you might suggest. What are the taxes paid on the premium received. Thanks for the great service and the more elaborate the answer the better. This is a large question please charge 5 credits. Thank you. Chris

Q: I am looking to buy about $100k of Fixed Income for my asset allocation and I have a 12 year horizon. Do you think I should buy actual bonds in some sort of Bond Ladder? or Bond Mutual funds? I am quite sure interest rates will rise at least 2-3% in the next 12 years. Is there a better fixed income product.

Q: I would like your suggestions for replacing the three interest income positions and the preferred shares position with dividend like equity positions. Thanks.......Tom

Q: Good afternoon,

EQ Bank's high interest savings account has an interest rate of 3%. I didn't see anything on their website to indicate that this is an introductory rate. I am comparing this to ZFS, a short term federal government bond ETF. I wanted to get your thoughts on whether you think there are any potential risks to the savings account vs the ETF and if you think it is a good option if i am looking for a very safe bond like investment.

Q: Interested in SNC in spite of their legal shenanagins. Looks as tho the Iran business bonanza is starting and SNC knows the Middle East well. We didn't like Iran with our previous cons govt. but I guess with the new one now we do. Also they are a Quebec company which bodes good for those infrastructure projects we keep hearing about. How do they stack up against ARE, WSP etc??

Q: What would be your choices today for long tern inflation protection while still generating decent income.
Great service.
Thanks

Q: Hello, can we get your opinion on the market return GIC offered by many banks (maximum return capped with the principal guaranteed - few years commitment). Does not seem to appealing but would it be ok to replace some fixed income assets with this given the low rate environment (some upside vs 2-3% for bonds) . Is there a lot of fees in these products ? Thank you

Q: Hi Peter and Team,
For income, presently own BCE, FTS and EMA.
I am thinking to add one more utility stock, namely:
CPX Capital Power, SPB Siperior Plus or CU Canadian Utitity,
Which one would you recommend and can you pls rank them 1,2,3.
Thank you.

Q: Can I please get your valuable opinion on this company? I am prepared to hold for 3-5 years in a diversified portfolio and would like to buy more shares on its current weakness. Thank you.

Q: Cascades has had a significant drop this week and I have not found any news. I sold it prior to it's drop in price and I'm planning in starting a new position. could you please comment, thanks Valter.

Q: How would you rank & compare AI-T {Atrium}, FC-T {Firm Capital Mortgage},
TMC-T {Timbercreek Mortgage}. I currently have a position in all 3
and wonder if I have made a good decision by owning all 3 of them.
Thank you.

Q: As a retiree who has some cash to invest what would be a good/somewhat safe place to invest in during this volatile market? GIC’s don’t pay enough and preferred shares have been hit hard the last year. I am thinking I don’t want to increase my presence in energy and I own a lot of pipelines which are all suffering due to the oil situation but still paying a nice dividend.

Q: I own SPB @ 7% of the portfolio. I plan on buying ZUT for utility holdings, but notice that SPB represents 8% of the ZUT portfolio. In looking at the other holdings in ZUT, SPB seems out of place. Would you hold both or divest SPB? Thanks

Q: Hello, In regards to Victors question on Alaris, here is some information from a short seller. Interesting perspective.

http://www.broadviewcapital.ca/wp-content/uploads/October-2015.pdf

Q: Given its record of steady dividend increases and high yield, why is its share price so depressed over the last few years? It looks like a "number perfect" investment to me. So I'm thinking about taking a position in AD and I just don't want any surprises. Please help me out here.

Thanks.

Q: Good Morning, I'm working at rebalancing our TFSA's. I've sold BIN and with this years money have enough cash for 4 or 5 new positions. I'm at around 16% info tech, 33% industrial, 6% finance, 6% energy, 14% consumer disc., 9% health care and 14% real estate. You can see I'm completely missing some sectors that I assume offer less growth. Would you recommend I add some telecom, utilities or materials in my TFSA's? considering I hold some of those in other investments? If not, how much would you add to each of the other sectors? and which would be your top two choices in each? Thanks for the great service. Rod

Q: Hi,
During the next 2 months or so I will have an extra 120 K to put in stocks (or elsewhere). As I'm retired I will try to have a high income slice stocks. Can you give me 6 to 8 ideas for high dividend REIT or other stocks. Distribution 8% and more, monthly a plus, starting with the safer. A little volatility not a problem for me. I have now CUF.UN, KWH.UN, NWH.UN.
Thanks in advance.
Francois

Q: Any comments on Bns and Ric downgrade to day