Investment Q&A

Q: Good morning Peter and team! My 21 daughter has $20,000 to invest in a TFSA for the first time. For someone of this age, with the potential to withdraw some money within a 1-2 year horizon, would you recommend ETFs or individual stocks (or both), and what would be your top 3-5 picks at this time? Thanks! Lois

Q: Which of two would be best to hold (long term) for income, inside /outside RRSP
Thanks
Cec

Q: I am 44 years old and I have $100k, thinking of an even split $50k for CPD and $50k for Zdv. I have also considered putting the whole $100k into XIC, and writing the occasional calls. Your thoughts on this. What would give me best returns over 10years with the least amount of work or worry?

Q: I already own several hundred shares of ZWB. My average purchase price is well above the current unit price. I am thinking of adding more ZWB primarily for income but also to bring my average unit purchase price down. I do not have any other exposure to my Cdn banks.

What do you think is the forecast for Cdn banks for 2016?

Please be forthright in your answer - add more or not.

Thanks

Q: Please disregard my symbol here (XEG.TO). My question is: I wanna have some exposure on CND oil industry or oil-related companies cuz I wanna bet on rebound of oil in the long term. Is there any good-fundemental stocks or ETFs that you will recommend to hold to have the oil exposure I want? Much appreciated! Tony

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: I have this hedged ETF, VXC, for foreign exposure. If I expect the Canadian dollar to trend up over the next few years which ETF should I buy instead? I'm aiming for 15% of my portfolio to be foreign. Sound like a good idea?

Thanks.

Q: On Jan 27th, Pierre asked about buying ZJG. You suggested XGD holding larger companies primarily for safety. I am thinking of adding gold exposure and see that both ETFS have the same MER (.55%)and while XGD has a 70% exposure in N.A. ZJG is 100%.
My question is, would the smaller gold producers in ZJG have more torque to the price of gold and perhaps benefit from M&A activity? Or perhaps not.
Thanks for your great service Gord.

Q: Hello,

What are your thoughts on XEG? Would buying shares of XEG.TO be a good strategy for getting exposure to an oil price recovery without the risk of holding individual oil companies?

Thanks

Q: Sold 2 US ETFs (1 small & 1 medium cap)- small profit. Funds available - $100,000 US. Prefer 2 replacements for a RIF - 3-5 years. Thank you.

Q: I have noticed that, when someone asks about investing in Google, Amazon, etc., you have recommended one ETF or another. I don't believe you have ever recommended FDN, which I hold and like. Is there a negative to this vehicle that I may have overlooked?

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: Why not use HBU or HGU instead of AEM

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: Hi Peter

I have no metals or materials exposure and was wondering if it would be appropriate to add some for portfolio diversification purposes? I was thinking about 2% of my portfolio for an initial position. If so, I am leaning towards an ETF rather than purchasing individual stocks. Do you have any suggestions for an ETF for this purpose?

thanks,

J

Q: I’m mulling on using USD$ ETFs rather than a number of separate positions in a US$65.000 portfoilo. This would be a new venture for me. At the same time I monitoring about 40-50 TSX stocks. So US$ETF would make it easier for me. The objective is to hold US$, and achieve reason total return of 7% for a long term hold. I take it this would be a good way to go?
I just read your response about "If you continue to want the tech exposure in USD$, the ETF "IGM" could be used as well.” And following you suggestion that because TSX is thin in consumer discretionary, health care and industrials, what USD$ ETF’s would you suggest I consider for these sectors?
End result would be to hold 4 ETF’s, about U$15,000 each which would align with your other suggestion of holding that level, like 3 positions in value…..Again…thanks……tom

Q: Hello PETER, Your suggestion please for sector etf like - health, media & communication, tech. Global and some dividend is better.
thanks

Q: Hi again,

I have some IBB biotech etf which has followed the sector down. Do you see any positive potential for this sector over the next quarter or so?

Thanks

Q: Would relatively small investments in each of Google, Facebook and Amazon seem reasonable at this time? Are there any others you would suggest? Thank you. Peter