Investment Q&A

Q: I have a self-directed RSP trading account in my name and will soon be converting it to a RIFF. My wife is the younger (63yrs) so I would like to use the lower required withdrawal rate as the schedule dictates for her age. To do this would this mean that we would need the RSP/RIFF in both our names - or could I leave it in just my name?
THX
Ralph.....

Q: Where could I find quotes and info on convertible bond issues in Canada And the US. Thanks

Q: Hi 5i,

I looked at BYND IPO, but the company doesn't seem that solid (reliance of single crop, manufacturing facilities uncertainties, potential scale of competitors, etc.).

However, I do feel that plant based proteins will become a bigger proportion of our daily diets. What is the best way to invest in this growing sector?

TIA!

Q: What's the best way to play 5G on the TSX ? Thanks.

Q: Can you please advise roughly what percentage of your questions are public vs. private? I thought I got to see everyone's questions (and ANSWERS!) and want to get a better mental model of what I am actually seeing.
Thx,
M.

Q: I have taken over all my parent's finances due to health issues. It has taken quite a while to sort through things (2 years), but I am almost done. They are both over 80, and in 'ok' health. They are thinking of 20% exposure to the market, so I have come up with the following as a plan. Do you think this is reasonable?

HISA and Cash - 100% of their past year's expenses

Percent based on the remaining funds:
57% GIC
20% Bonds
6% Preferred Shares
13% Dividend bearing stocks
4% Growth stocks


Also, any suggestions for other categories not mentioned, like trusts (eg BEP.UN)?

Thanks for your great service over the past year!

Fed

Q: Curious if you saw the piece on dividend investing in the G&M this week. Would welcome your response to this article which basically
questions the value of dividends and the whole philosophy.

Q: My question has to do with investment allocation in accounts in order to minimize tax burden. Bellow is what I have been able to piece together. Could you please comment on my list? Also, what would you say is best in a CCPC to minimize taxes?

Thanks!

RRSP:
Interest bearing (GIC, Bonds)
US dividend stocks
US ETFs of underlieing US stocks

TFSA:
Interest bearing (GIC, Bonds)
Growth stocks (ie capital appreciation stocks)

Taxable account:
Non US foreign stocks
ETFs of underlieing foreign stocks
Preferred shares

CCPC (Canadian Controlled Private Corporation):
Interest bearing (GIC, Bonds)
Growth stocks

Q: Hello . My house is paid off. I would like to set up a reverse mortgage or home equity loan to cover the cost of running it. Which 5 dividend payers would you recommend for my project? Is my plan reasonable and which is better home equity loan or reverse mortgage? Much thanks for your excellent service.

Q: Hi,

I have an accounting question about deferred revenue.

Deferred revenue represents customer payments received for rendering services to be provided subsequent to the current quarter. In the balance sheet statement, deferred revenue is classified as a current or long-term liability.

Let's say in the first quarter, a company receives one million dollars for services to be delivered in subsequent quarters. Will that one million dollars be registered as revenue in the first quarter? Or will the revenue be recognized in the subsequent quarters when the services are rendered?

Once the services are rendered, deferred revenue will be deducted from current or long-term liabilities, those this deduction affects the cash flow statement? The revenue statement?

Giles

Q: My wife currently holds two BMO Equity Growth ETFs, series A and T6. According to their info sheet, it states they have management fees of about 1.4 % and MER of 1.71%. Are both those fees payable, or is the mgmt fee included in the MER
Thanks

Q: Can you tell me which is better . 2.82 yield with .18 MER. Or 2.56 Y .06 MER
Thanks.

Q: Further to Fred's question about where to put Trust Units; my experience is never in a Family Trust (or other Trust) as the reporting deadline for BEP.UN is the same as when the the Family Trust return is due, ie. March 31. If you hold BEP.UN in a private corporation you also cannot finalize your corporate tax return until the tax information is received. This goes for all Trust Units (.UN) as well as investments similar to ZQQ.

Q: Hello. My question is regarding Management Fees vs MERs. Can you please tell me what is typically included in and MER other than Management fees as the MER is usually higher than the Management fee.

Thank you

Q: Can you direct me to the list of Canadian companies paying dividends in $ US.

Q: Hi
HXT does not pay a dividend CDZ does pay a monthly dividend.

I do not know or understand why one would buy HXT over CDZ.

Could please explain this in way grandmother would understand. how HXT works

Thank you

Mike

Q: Hi 5i I was stopped out kxs this morning when it dropped to $76.13 and $.02 below my stop and then recovered to to over $77. My question is should I be selling at some point close to the stop and if so how would you determine when. I know you are all about buy and hold but in a time of uncertainty I would rather limit my losses. That said I do suspect that the market makers are manipulating the price to take the little guys stops out and profit at their expense. To frame this as a clear question can you recommend a strategy to minimize needless losses or suggested reading on the subject.
thanks

Q: This question may be more for the forums and if so I can redirect it there.
I want to add a contribution to my RRSP to defer income tax. What would be the best source? I can move stock from my TFSA thus opening up more contribution room for next year. I can move stock from a non-registered account or I could make the contribution from cash reserves held in an EQ Bank savings account.

Q: I've read that total market ETF's such as ITOT include a component of unprofitable small caps that can cause a drag on performance. It was recommended instead to go with an S&P 500 ETF suchs as VOO, and supplement this with a mid/small cap ETF that follows an index that screens out low profitability, such as IJS or IUSV. What's your opinion of this strategy?

Q: XTR iShares Diversified Monthly Income ETF top 10 holdings are iShares Canadian HYBrid Corporate Bd ETF XHB25.78% iShares Floating Rate ETF XFR19.75% iShares Edge MSCI Min Vol USA ETF XMU18.43% iShares S&P/TSX Composite High Div ETF XEI10.65% iShares US Dividend Grwrs ETF CADH Comm CUD8.78% iShares Canadian Select Dividend ETF XDV8.23% iShares US High Yield Bond ETF CADH XHY4.24% iShares S&P/TSX Cdn Prefr Shr ETF Comm CPD4.07%

XTR charges a MER of .62%. Is this in addition to the MER’s charged by each ETF holding?
Thanks
John