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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: Dear 5i
I`m anticipating retiring in a little over a year so as such have a portfolio with 50% fixed income (35% clf , 35%cbo , 15% xhy and 15% cpd )
I'm thinking of following your Outcome Oriented Fixed Income portfolio and thought i would reduce clf and cbo down to 20% then add vsc and zef at 15% each .. I just feel i need a bit more diversification within the fixed portion of my portfolio.
Does this plan seem reasonable or do these changes make the fixed portion too aggressive ?
Thanks
Bill C.
Read Answer Asked by Bill on January 16, 2018
Q: I have never held bonds only equities. About a month ago bought xbb and xhy, now 15% of my holdings in my portfolio. I'm down about 2.12 % in XHY and about 0.7% in XBB in a very short time. Please tell me why I'm holding these bonds. When I can typically expect them to gain or lose; What sort of insurance/protection they offer me if that is the right word.
Read Answer Asked by Neil on January 16, 2018
Q: Dear 5i team: would you rate any other products out there etf's or mutual funds that you may find as a better option as a monthly payer or a total return type product for a retired investment? Or are these as good as any except of course a group of individual stocks.thanks Larry
Read Answer Asked by Larry on January 15, 2018
Q: Good morning 5i Team.
I'm starting to be concerned about the potential for a significant correction in the markets. I'm interested in your opinion on using a bear ETF on the TSX or S&P as a cost effective way to at least partially protect investments from significant correction? I've read that these tend to decay over time and should only be used for short periods. Is that correct? Does it apply only to the leveraged bear/bull etfs or all?
If the etf idea is not advisable, what would you suggest?
I've got a few questions in there so please take as many credits as necessary.
Thanks
Peter
Read Answer Asked by Peter on January 15, 2018
Q: I am considering one of these two ETF’s to invest in. Which one would you recommend as being the one to offer a better rate of return and what is your assessment of both. I like these two because their 10 top holdings. I also really like a large number of their holdings but specifically want exposure to following: Apple, Amazon, Microsoft, Alphabet, Facebook, Netflix to name a few. Are there any other ETF’s that you would recommend that may be better?
Read Answer Asked by Laureen on January 15, 2018
Q: ZBK- BAC,JPM,WFC,C, =20% of holdings, rest are midsized banks, 2017 return 10% TER 0.74%
ZUB 2017 return 17% TER 0.80 %
XLF- BAC,JPM,WFC,C, = 32% of holdings + Berkshire H at 11%,rest are regional banks, insurance, financial services, 2017 return 22% TER 0.14%

Is this accurate?
I am 50% non reg., 45% RSP, 5% TFSA, retired living comfortably
Looking at 3% position
Your choice (or choices i.e. split) and why
What account
Thanks
Derek



Thanks

Read Answer Asked by Derek on January 15, 2018
Q: I have a position in my US dollar rrsp account in HACK and read of the management issues currently in litigation. What would you suggest regarding this holding - is it a buy sell or hold and what are your views concerning this issue. Is this likely to adversely affect this ETF longer term. I appreciate your thoughts on whether I ought to hang in or otherwise. Thanks so much.
Read Answer Asked by Ken on January 15, 2018
Q: What percentage would you put into each of ZWA (hedged) and ZWH (unhedged), for long term, as a rule of thumb, without knowing the rest of one's portfolio, but figure it's a reasonable percentage of one's U.S. component. Thanks for your advice.
Read Answer Asked by Jerry on January 15, 2018
Q: As an additional comparison to my question of jan.11 re: xtr and zmi do you feel plv would be a better long term hold with more upside potential considering the payout is much more in line with a sustainable payout with maybe not having to rely on roc to meet the higher payout s of the xtr and zmi ? Also would consider any of these to be overvalued and or should an investor wait out a market correction? Thank you kindly Larry
Read Answer Asked by Larry on January 15, 2018
Q: Are these 4 etf's the best way to invest in Europe and Emerging Markets or do you have better recommendations such as FEZ which you recommended some time ago, or VE or another I haven't listed. I would like to purchase what is in your opinion 4 etf's which best achieve the desired result.
Read Answer Asked by Harold on January 15, 2018
Q: I hold the above mentioned securities in my total portfolio. Some positively,some negatively affected by rising interest rates. Group one (5%)-cpx,Enb& AD. Group two (3.4%)-Reits cuf & kmp . Group three (7.4%)- zpr & Ecn.pr.a
My plan reduce positio in group one esp. Enb and use proceeds to buy cpd.a my concern with cpd.a is fees totaling 2%. Also when purchasing this security there appears to be a trailer fee attached as indicted when I attempted to make a trade. Your opinion please.
Read Answer Asked by Roy on January 12, 2018
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