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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: My Godson's birthday is coming up. I wish to buy him stock as a gift. Is there an easy way to accomplish this without using an RESP account.
Read Answer Asked by sunday on April 01, 2019
Q: Hi 5i,

I am new to your service and was wondering if I should buy all the securities listed in the model portfolio at one time or should I ease into them somehow? Any guidance/direction on this would be appreciated.

Thanks so much
Read Answer Asked by Mark on March 31, 2019
Q: For information to Stan switch to TD Waterhouse Self-directed US dollars account and save your 2.5% each way out and in on the conversions. Coming from Herbert
Read Answer Asked by Herbert on March 30, 2019
Q: I have just done a portfolio review following your system and I gained much more than I expected from the exercise. Once again thank you. This is, if not a life saver, certainly a great time saver. But, it does show that there were many things that I was blind to.
thanks
Read Answer Asked by joseph on March 29, 2019
Q: Question still about ex dividend dates

BNS EX Dividend is march 31 , Sunday, If I buy today friday march 29 , DO I STILL RECEIVE dividend ? ( my understanding is I would not be the owner of shares bought today until april 1 monday.)

Also PWF IS ex dividend march 28, what is the earliest I can sell while still receiving the dividend ? march 28 or today march 29 ?

thanks

Ernie
Read Answer Asked by Ernest on March 29, 2019
Q: Both GWO and PWF are offering to buy back shares, is it my understanding that agreeing to sell to them through my BMO investorline account (self directed) that I don't know what price I am getting?

That doesn't make any sense to me. Why would anyone agree to sell for an unknown price, dictated by the company?

How do you think share prices will behave in the next 1 to 2 weeks with this hanging in the air ?
Read Answer Asked by Ernest on March 29, 2019
Q: My question relates to asset balance. I have recently retired and am in the process of de-risking my portfolio. That said, I'm also mindful of the dangers of investing too conservatively and outliving my investments. Given I am 60 with a good defined benefit pension, roughly what percentage of my portfolio would you suggest be skewed toward blue chip growth stocks (eg. GOOG, AMZN) vs. income stocks with limited growth potential (eg. AQN, PPL, FSZ)? Thank you.
Read Answer Asked by Maureen on March 29, 2019
Q: Hello,

I am interested in using a small portion of my holdings for short term trading (ie swing trading, day trading). There are so many technical indicators to monitor, would you have any suggestions for paid services that recommend buy and sell signals for stocks in the short term? I have considered vector vest, Investor's Business Daily which follows the CAN SLIM methodology (unfortunately only covers US stocks), others offering AI software. There are so many options out there, even TD tracks multiple indicators but a little overwhelming and self serve..just looking for something more automated to recommend trades. If you have any suggestions it would be appreciated vs signing up and testing each service.

Thanks,
Neeraj
Read Answer Asked by Neeraj on March 29, 2019
Q: REIT Strategy

REITS have had a good run recently, I recently purchased IIP and CAR.UN. Is there anything that I need to watch for in terms of what could possibly turn things negative? Outside of rising interest rates, what else could affect the REIT Sector. I have heard that new builds will not have rent control in Ontario, and there may be more competitive threats in the near future.

Thanks,
Raj
Read Answer Asked by Neeraj on March 29, 2019
Q: This is not a question but a comment on your Portfolio Tracking and Analysis.
For individuals who do not have the time , investment knowledge, experience and time I would highly recommend it.
Going to a financial planner who cost a lot more without the specific investment recommendations.
I know that you are not in the business of giving investment advice but I have a couple of suggestions on this and other items. Not a criticism.
1. Provide a link to latest news releases on pertinent securities.
2. Provide link tosecurity upgrades and downgrades by reputable analysts.
3. When client is providing info on holdings, put in date and price of purchase, this should include commissions and/fees.
The important point being that this will give a true yield and whether these is a capital loss or gain, realized or unrealized. The client will be able to see how his/her portfolio is performing.
This could show up either on a daily , yearly or to date.
Thank you for your service. I find it valuable as part of my overall research into managing by portfolio.
Read Answer Asked by Roy on March 29, 2019
Q: I have a few questions about the new Portfolio Analytics service.

1. How does the Portfolio Analytics service differ from the Portfolio Review service that was offered in the past few years?

2. I don't see the Portfolio Review service anymore on your web site. Has it been cancelled?

3. A lot of personal financial information about me would be stored somewhere on your servers. How is this data protected? What is the privacy policy?

4. Has 5i Research ever been hacked?

5. Morningstar has an "Instant X-Ray" tool, which is used by Sunlife where my DCPP is held. Is your tool similar to this X-ray tool, where I can x-ray my portfolio at ANY time myself to get asset class, sector allocation, country weightings, stock style, fixed income style, etc. It's not clear to me that I will be able to do this myself at any time I want, or will I need you to "x-ray" my portfolio for me?

6. Information changes all the time with DRIPs, buy and sell transactions, etc. It would be up to me to keep the information up to date in this system. Every time I do that would I get a new report automatically pointing out over or under allocations, suggestions for improvements etc.? I guess the question is how many times in a year can I get a "second opinion" from this service?


Read Answer Asked by Paul on March 28, 2019
Q: With your portfolio analytics you mention in some answers that it will also track portfolios. I'm just trying to grasp to what level. Could this be a replacement for say Yahoo finance, where it would be our go to daily portfolio tracker for up to date gains/losses on holdings, portfolio performance (yearly included), also since most of us will have tfsa, resp, rrsp, non reg holdings, will it give overall performance of all combined? Thanks,
Read Answer Asked by Adam on March 28, 2019
Q: On Portfolio Analytics, if my understanding is right, you screen all portfolios (TFSAs, RRIFs, US accounts and etc.) then make a total evaluation of the entire portfolios together.
Read Answer Asked by Herbert on March 28, 2019
Q: Are the fees for the Portfolio Analytics membership tax deductable
Read Answer Asked by Bruce on March 28, 2019
Q: Your new portfolio analysis tool sounds perfect for me. I am my own advisor (with help from 5i). So I have signed up. I wonder how I should approach the questionnaire on what my risk level is. For our RRSP’s I am a conservative income seeking investor. For TFSA I am a growth investor. In a smaller non registered account an aggressive growth investor. I should add I have a very good defined pension.
Read Answer Asked by David on March 28, 2019
Q: Hello
Can you explain what is standard deviation and how does one calculate it? I am trying to understand how to calculate it when it comes to options especially for selling put options?
Read Answer Asked by pietro on March 28, 2019
Q: does your new service provide daily gains/losses? also can it be used as a watchlist? ie does it accept indices , commodities, currencies ,or other items with but no positions?
thank you.
Read Answer Asked by adam on March 28, 2019
Q: Are we able to track RDSP accounts through your new portfolio analytics tool?
Read Answer Asked by Bob on March 28, 2019
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