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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: I completed the Portfolio Analytics Tool and uploaded my own holdings. It suggested I should invest in 30 percent fixed income - I’ve spent my investment years in the equity market - any suggestions for this asset class such as which bonds, what terms, etc… ?
Read Answer Asked by Gary on January 04, 2023
Q: Regarding the T1135 form, my understanding is that by owning both ILF (U.S. ETF) and Vale (ADR), they would need to be declared (i.e. not exempt from reporting) above the $100,000 threshold correct? I believe this is true unless they are held within an RRSP or a TFSA, in which case both would be exempt.

On the other hand, ETF's with foreign holdings that are created by Canadian institutions such as the BMO's ZEM would also be exempt from reporting, even if that one was held within an open account.

If the above is true, is there a Canadian-based alternative to the ILF ETF ? I would like to have some exposure to Latin America. ZEM, for instance, has holdings I'm not really interested in.
Read Answer Asked by James on January 04, 2023
Q: I have held BEP preferred shares in an RSP for quite awhile and done well with them, but have concern over the potential new US tax implications. Despite the company assurances, I think I would sleep better just being out of BEP. After the dividend this month, my plan is to sell the shares. I am looking at ZPR, which has a somewhat similar yield, and would be much easier to trade. What do you think of ZPR and its dividend sustainability? Recognizing that preferreds have not done too well overall, would you prefer to move into something else?

As an aside, apparently the US attack on limited partnerships includes those held in an RSP. Isn't there a tax treaty that prevents this?

Thank-you, Grant
Read Answer Asked by grant on January 04, 2023
Q: Strategy Question

If I had 200 - 300 000 in savings meant for a home purchase down payment in the next 1-3 years. I would be in the highest tax bracket. Besides GIC's what do you suggest parking this money in, what are safe and tax efficient alternatives.
Read Answer Asked by Ernest on January 03, 2023
Q: I received a Dividend Distribution Reminder from RBC regarding a NNRG dividend...$4.18/share. Ex-div date of Dec 29/22 and payment date of Jan 09/23. I've kept the email and reread it several times.

I would have expected the share price to drop roughly $4/share on Dec 29, but I have seen no share price movement anywhere near that level.

Can you shed some light on this? I have gone to Eric's website and see no dividend notifications. Could this be a mistake somewhere in the RBC system (doubtful)? Or...is there a chance I might receive the cash equivalent of the dividend on Jan 09/23 (I know...pipe dream)?

Confused...thanks for your help...Steve
Read Answer Asked by Stephen on January 03, 2023
Q: My portfolio tracking analysis suggested I purchase fixed income assets - as much as 30 percent. Do you have any suggestions where to start - as I’ve always traded in equities. Are there corporate bonds I should purchase if so what timeline? Or simply ETFs which would be preferred and which ones?
Read Answer Asked by Gary on January 03, 2023
Q: Happy New Year to all the 5i team!

Question for you: should we be adding to ILF for emerging market exposure? It's dropped the past year with most everything else but is paying a monster dividend now (like 12.7 % going off of trailing year's payments). Am I missing something?

Should we be looking at something like ZEM instead?

Thanks!
Read Answer Asked by Marc on January 03, 2023
Q: QYLD writes calls options ATM on "100% of assets" wich means on all NASDAQ index or all assets ? I seems to me impossible and much to risky to sell call options on 100% of the NAV of the fund( since they could have to sell all of the fund eventually ..) but it would be logical for me to sell call options on a certain % of all the NASDAQ index (a % on 100% of NASDAQ 100 stocks)! I read that this % was 2%,but I found nothing about this point on global X website except this "calls on 100% of assets"...Did I misunderstand the whole principle of this fund ? thanks for explanations
Read Answer Asked by Jean-Yves on December 31, 2022
Q: Happy Holidays 5i,
I am considering purchasing some corporate class ETF's because of their tax efficiencies. The only Canadian company that I am aware of that offers them is Horizon's. Are you aware of any CRA issues with the Horizon implementation? Are there any other Canadian companies that offer tax efficient ETF's for NonReg accounts?

thanks
Read Answer Asked by Ian on December 29, 2022
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