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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, I will like to thank you for the investment service you are providing. I am learned a lot about investing in the last 2 years or so, from your answers to questions alone. It has instilled in me virtue of patience far more than I had before I started subscribing to your service.
I will like to know how IWO, a USD security in a CAD account ( a sizable position in growth model) , will work out if the CAD appreciates versus USD. Will it be OK to invest in USD securities in CAD accounts at the current exchange rates? What time horizon one should be thinking about for such a move?
Regards
RR
Read Answer Asked by Rajinder on May 06, 2019
Q: Hi,

So I have been investing for a couple of decades using mostly ETFs, and wanted to focus more energies on investing in 'World Dividend aristocrats' so to speak (ex-US, ex-Canada).

Something like the 'Dogs-of-the-Dow', but for the rest of the world, and maybe a list of 10 companies.

I tried to scour the internet with little luck, and short of me running a stock screener ( which I also tried to do also with little success), I would greatly appreciate if you know of an ETF or could point me along to a way of doing it...since it would need to be done annually.

Much appreciated.

Thanks.

Read Answer Asked by nagib on May 06, 2019
Q: I am just starting to invest into my TFSA and will not need the assets for at least 7 to 10 years. I would like growth and can say I am a moderate risk taker. I have small positions in the four stocks and I was also contemplating a position in BCE. Would you be able to suggest at least four other stocks or etf's to diversity my account.
Read Answer Asked by Donna on May 06, 2019
Q: Hi 5i team, Regarding my question on Apr 26 on foreign properties to be reported on T1135 to CRA, your answer was “If you are buying Canadian-based ETFs that hold foreign securities, then no. If the ETFs are US-based (US domiciled, US management companies) then yes.” Please expand and clarify your previous answer so I am not making assumptions. Are you saying if I buy ETFs from Vanguard or Blackrock then they are considered ‘foreign’? How about if I buy ETFs from Canadian subsidiaries of Vanguard, Blackrock, iShares? Or are you saying all ETFs listed on the Canadian exchanges are Not considered as ‘foreign’? Examples would be useful. Thanks for the clarification.
Read Answer Asked by Willie on May 06, 2019
Q: I am investigating where to invest my proceeds from KWH.UN once funds are received. I see that back on Mar 25th you recommended SPB. Since then it has been removed from your Model Income Portfolio. I also see that you have recommended PKI over SPB. I have about 2.7% of SPB in my portfolio currently. I am interested more in income then growth as we are now living off investment income. Funds that will be received are about 1.1% of total invested. I aim for 5% in a holding so would prefer 1 rather the both. Which would be preferable in your opinion? Is there a better ETF or other company?
Read Answer Asked by Betty on May 06, 2019
Q: Good morning. I am in the ongoing process of re-balancing my portfolio, using your new tools for which I am grateful. We currently have a considerable “fixed income” position in pref shares of bigger Canadian companies (banks and the likes). Your analyzer tool regards pref shares as equities. I understand the legal difference between pref and common shares but wonder if it’s not really semantics. How often does the pref share indeed get the ultimate pref protection and the commons suffer? I also realize that the prefs don’t shift in value as much as the commons can, both up and down. I am wondering how prudent or necessary it is to invest in prefs? Part of my rebalancing is to increase my US holdings substantially and I’m thinking of reducing my Canadian pref positions. What would you suggest for investing on the US side as a replacement. I am overweight financials and energy and we depend on dividends for income flow. So, my two questions are how do you view pref shares generally and second, if I do reduce my Canadian prefs, where to invest in the US? Many thanks
Read Answer Asked by alex on May 06, 2019
Q: Good Morning, I have been watching ZAG and XBB in order to deploy cash. Not sure when is a good entry point? I know we cannot time the market but what would you suggest I should look for (e.g.. off it's 52 wk high, net asset value etc). Which one would you prefer ZAG or XBB. Thank you. Heather
Read Answer Asked by Heather on May 03, 2019
Q: Hi 5i team,
To clarify your answer to James’ question today (May 1) regarding cannabis ETFs with some US holdings. In your answer, you mentioned MJ, HMMJ and HMUS. How about MJJ? Would your answer be different with MJJ being most suitable for James’ desire for cannibis ETF with more US exposure?
Read Answer Asked by Willie on May 03, 2019
Q: Hello,
what risks, if any, should an investor take into account when purchasing all their ETF's from the same provider? I am talking about the big guys here such as Vanguard or Blackrock. Since the ETF's are broad based there is no issue that I see with a fund manager making investment decision (are hot or cold) and these companies are large and profitable so I don't really see any risks other than general market performance. Am I missing something?

Thanks,

Dan
Read Answer Asked by Daniel on May 01, 2019
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