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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: Any recommendation on where to park cash short-term within a direct investing account? I like the sounds of PSA, but 'for business reasons' TD Waterhouse does not allow TD Direct Investing Clients to purchase PSA. Instead, they offer their own savings account which only pays 1.60% in comparison to the 2.15% paid by PSA. Any suggestions?
Read Answer Asked by Chris on January 21, 2020
Q: I hold vgg in in TFSA and RRIF accounts , 5 % of my total portfolio. VIG in non registered US account 5% of total portfolio. I’m gradually moving from individual stocks to ETFs to reduce the time required to monitor my investments. Getting up in years .As an aside I’m an experienced investor, previously worked in the investment business. Right now I’m looking at reducing my position in vet and investing in vfv or convert C$ to US$ and buy VOO.
Your thoughts Peter on this or should I look elsewhere?
Read Answer Asked by Roy on January 21, 2020
Q: Could you recommend some ETF and stocks which would have commodities as primary investments excluding oil and gas. What is your opinion of having such investments in a well balances portfolio. Also what percentage of such investments would you recommend in a balanced portfolio?
Read Answer Asked by Miroslaw on January 21, 2020
Q: Good day I have a large gain in the above stocks in an outside account. I am thinking of taking half off the table and putting it into a canadian dividend etf VDY. I understand that i would have to pay some tax but i would net a higher dividend from VDY than the other three and i live from my dividends. Or should i just leave them to grow as each is about a 4% position in my total portfolio. Could you please give me your thoughts on this....Gene
Read Answer Asked by gene on January 21, 2020
Q: From a tax perspective, does it make a difference where I hold XUU? I'd like to put it in a non-registered account but I'm wondering whether there is a tax benefit to put it in my RSP.

Thanks,
Read Answer Asked by Robert on January 20, 2020
Q: hi there, currently own Dollarama and CSH.UN in my TFSA and was thinking of switching out and purchasing XEG for some energy exposure and HMMJ as both ETF's seem to be exhibiting some upside after a down year. What are your thoughts on this switch (based on your examination of where DOL and CSH.UN seem to be going from here)? Note, this only effects approximately 1.5% of my total portfolio so neither will represent a significant weighting. Thank you.
Read Answer Asked by Patrick on January 20, 2020
Q: I am looking for a low fee Canadian equity fund or, preferably, ETF with good diversification. More specifically, less financial content than the TSX.
In 2017 you seemed to like MKC but there are no recent comments on it. What do you think of it today?
Are there better options I should look at?
Read Answer Asked by Elliott on January 20, 2020
Q: I currently a small amount of GDX and GLD. I would like to increase my gold holdings a bit. Is there a stock you recommend? I am wondering about ABX or GOLD, if you like those, and is GOLD better than the CAD ABX? Or do you prefer another gold stock?
Also, is this a good time to buy silver? If so, would you recommend a stock or an ETF, CAD or US? Thank you.
Read Answer Asked by Elizabeth on January 20, 2020
Q: Does the annualized return on these funds include the dividend?
Also, if they are purchased and held for say 5 years in a non registered account,is there any tax paid other than tax on the dividend?
Finally, if one chooses to go with the DRIP, does dividend tax still need to be paid annually?
As always,thanks for the great service.
Phil
Read Answer Asked by Phil on January 17, 2020
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