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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 There,

Can you please help me understand why CVD and CPD are in a declining trend over the last ten years? It seems like the yield can not cover the price drop. I want to add them to my portfolio but need help to understand what move its price.

Thank you for the great service!

Dong Sheng Wang
Read Answer Asked by Dong Sheng on August 22, 2019
Q: I currently own both of the above securities in my RRSP account in equal weights. I want to sell one of them. I am leaning towards selling ENB because it will reduce 1 company risk, but on the other hand there probably would be more upside to ENB. The funds will be used to buy a growthier name in TECH. Which would you sell?
Still have 6 years before needing any funds from the RRSP
Read Answer Asked by Rudy on August 22, 2019
Q: Hi 5iTeam,
Cramer on CNBC's Mad Money mentioned a number of cloud stocks i.e. Splunk, Alteryx, Twilio, etc....that are not your household names for cloud stocks. As far as I can see, none of the above stocks mentioned in Cramer's piece are in SKYY's (cloud stocks etf) holdings. Just wondering if you are aware of an etf that are focused on the lesser known cloud stocks.
Cheers,
Read Answer Asked by Harry on August 22, 2019
Q: If we are headed to zero / negative interest rates, I am thinking of playing this thesis by purchasing XLB to capture the capital gain on the interest rate reduction and XGD should do well in a low / negative rate environment. The balance of the portfolio is VBAL and XEG. What do you think? Thank you
Read Answer Asked by Richard on August 22, 2019
Q: Hi team,

PA recommends to reduce my technology exposure which is at 38%. Only problem is I am unsure which tickers to get rid of, like them all.

In my RRSP; OTEX at 4% and XAW at 21% not a direct tech exposure but does hold plenty of tech, just not sure how much.

LIRA: SHOP at 6.5%( recently chopped it from 9% to 5%), LSPD 5%, KXS 3%, QST 2.2%,

TSFA: CUSat 5%

Which one would you pull the plug on?

Tks

Read Answer Asked by Rino on August 22, 2019
Q: We just recently were switched from a fund we had been invested since 2002 into this fund in one our RIF accounts, we had to switch or sell. The reason given was to lower the MER which is still a hefty 1.2% in our case the amounts to $1090.92 per year and rising if the fund goes up in value as we have always reinvested the monthly income the current yield is 2.09%.
The fund has been in a trading range since inception from the information I can gather at TD.
My thought is to sell and distribute the money to the either the Conservative or Balanced ETF portfolios in the newsletter which both have higher yields.
I'm not sure what the total MER would be for the ETF portfolios do you have that number available?
Downside is it would double the number of investments in this account to many to follow.
Do you know of other one stop ETF's that are worth consideration as we would like to keep the funds in a balanced investment, we would not intend to use this money for 5 yrs and reinvest any income in the fund.
Read Answer Asked by Thomas on August 21, 2019
Q: Gentlemen, good morning
Can You please suggest few Web sites for searching ETF from Canada.
Thank You. Regards
Read Answer Asked by Djamel on August 21, 2019
Q: Good morning, I am noticing more recommendations lately for longer term bond ETFs i.e XLB and TLT. I have traditionally been using CBO, XBB along with some preferreds (regrettably) and a small amount of XHY. Should this old retiree consider any change in fixed income holdings? Thanks for your service.
Ted
Read Answer Asked by Ted on August 20, 2019
Q: The Analytics tool suggests I am significantly overweight geographically (Canada). The tool also suggests I downsize my financial holdings and increase Consumer Defensive, Tech, Healthcare, and Industrials. Which sectors would you tackle first to increase? Please provide 2 or 3 stocks/ETFs that you would recommend to begin re-balancing my portfolio geographically and by sector?

I am a long term investor and I have evolved over the years towards buying more of the larger cap companies.

Thank you!

Sean
Read Answer Asked by Sean on August 20, 2019
Q: I am retired and wish to structure a conservative portfolio consider the uncertainty of the economy. I favour banks (RY, TD), utilities (Fortis and Algonquin) and Telecoms (BCE and Telus), BrookMiled Asset Management, Brookfield Renewable and Brookfield Infrastructure Microsoft and Berkshire B.

I would lik´to have 40% in bonds and favourCLF, XBB, XSB and XSH. I would move from FTB even though it has a higher yield but a higher MER.

Your comment would be appreciated.

Thank you.

Donald

Read Answer Asked by Donald on August 20, 2019
Q: How do you know whether an ETF pays a dividend, which would be eligible for the dividend tax credit or a distribution which does not have the dividend credit?
Thanks
Jeff
Read Answer Asked by JEFF on August 20, 2019
Q: Hi 5i,
I have $70,000 CAD to invest for 3-5 years and tax is not an issue. I am thinking of ETFs : 40% Canadian Stocks, 32% American stocks, 8% Global and 20% Bond.
Would you please advise what to buy? or if you have better combination.
Thank you.
Read Answer Asked by Tom on August 19, 2019
Q: What would you expect will be the key drivers of CPD's price in the marketplace? Eg would it likely follow equities down/up (because of reliance on credit of issuers) or moreso bonds ("safe" haven for yield when equities are volatile)? How do interest rates impact it? What would it do in a recession? I'm not looking for a prediction of the future, but a simplified model on how to think about this kind of security. Thanks.
Read Answer Asked by Chris on August 19, 2019
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