Investment Q&A

Q: Recently I have been hearing about...on the internet, a lot about liberty checks.
What are liberty checks and why are they happening at this time. It is starting to
look like to me a free government handout. I find it all very confusing.
thanks,
capreol

Q: GE & the DOJ recently reached a $1.5 B settlement related to GE's past accounting practices. My question is should not GE's auditors be punished as well? Further, the investors who bought the stocks at high price by relying on the misleading financial statements are the b biggest victims. Should not they be compensated by the DOJ?

Q: Is their a website that you recommend that would give all of the various companies financial reporting dates? Thanks

Q: This is comment in reference to a Question by Bryan:
It would be more beneficial for Bryan to have the other spouse as the successor to the RRSP (only spouse can be successor and basically the TFSA money transfers into TFSA of the spouse - no contribution limit affected). They can then have the beneficiaries if the successor has predeceased the account holder. I thought this might be something that Bryan and/or other members in similar situation can consider. Thanks.
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Q: My wife and I are 66 years old. We each have a TFSA which we are trying to maximize. These would be the last two accounts we would ever take money out of. Our children are the beneficiaries so these are long term accounts - hopefully! We each have RRSPs and share a non-registered account we use for income. We don't have any fixed income but do have enough cash to last us 3 years. No pensions, but are quite diversified in a number of blue chip stocks.

Between the two of us we have PHO, SIS, TOY, BNS, TSGI. None of which has been very good lately but we are patient. We have enough money for two more positions, and think it would be prudent to add two, more stable, names. OTEX, BOYD, GC ? Suggestions?
THANK YOU !

Asked by Bryan on February 07, 2019

Q: I have recently retired and am pondering investment options. Your answer to the question from Brian on Feb. 6 piqued my interest:
"you may find it advantageous to have more Canadian dividends, if you can utilize the dividend tax credit to its full advantage (you can earn about $48,000 tax free if your ONLY income is Canadian dividends".
Could you expand/explain more thoroughly about tax free dividend income? Thanks, Larry

Q: I would like to buy shares on the Japan and Australian exchanges but my accounts with TD and Royal don't do it. Is there a preferably discount broker that I can use for this.
Thanks

Q: Is Peter Hodson still active in managing the 5i portfolios?
The 2018 research and the recommendations, leading to severely underperforming all the markets for 2018 leads me to believe the experience isn't managing 5i as before. Please clarify.

Q: I hold a small position in Crius. If the sale to VST goes through at $7.57/share, do I have to take any specific action to get my money, or will the sale proceeds automatically be deposited to my cash account?

Q: I have a 4% position in Dream Global in my portfolio. I am trying to find out what the insider holdings are but when I look under the 5i 'Companies' tab it states ' No data exists ' for the insider holdings. Would you have another source that can provide this info? Thanks!

Q: Due to health I have been forced into early retirement (51) with no pension. I need a 5% return to live off of my savings. I am presently well diversified 75% CAD dividend companies and fixed income in my non registered account and 25% of my total savings are in registered accounts which follow your balanced portfolio along with GOOG, TEAM, SQ, BOX for US exposure (prob not enough eh?). My gut is telling me I should get rid of the growthy stocks and stick to safe dividend companies but my experience says I should leave it alone as over the long term the balanced portfolio has done quite well.
I would appreciate any and all input you can offer (don't be afraid to hurt my feelings;).

Brian

Q: What is the obligation of a publicly traded company in regards to revealing new contracts? Can they wait to the next quarterly report before revealing it? If they wait for the next quarterly report, does it mean the insiders are under a blackout period?

A million dollar contract for a big bank has no significance on its share price, but for a small company like Reliq, it could move the share price. Could you comment?

Q: Peter,
As far as dividend sustainability do you look at dividends as a percentage of free cash flow or operating cash flow?

Thanks

Paul

Q: The 5% interest rates from Co-Power Green Bonds is very tempting. How safe are these investments?

Q: Hello 5i,
Let me say first of all that I thank you for venturing out beyond simply stock analysis and providing many of us with answers and advice to broader financial questions. This may not even be in your mandate. But, it is certainly appreciated.
Following the good words is such a question:). I have always loved making what looks like free money on dividends. But, I have been wondering lately whether I might be better off moving to a capital gains strategy, instead. I am only at the beginning of this inquiry and wondered whether you might be able to steer me in the right direction.

I have been looking at swap based etf's as one possible way of doing this. Would this be the best way? what recommendations might you make?
I also don't know quite know where to start in determining whether this would be a better strategy for me. I am wondering if in your portfolio review whether you would from time to time, look at the tax consequences, as well as the asset allocaton?

thanks as always

Q: Yesterday’s question regarding short interest for Tsgi, what is the website for short interest?
Thanks always

Q: Further to your comments in the recent Member update regarding The Canadian Market outlook , would it be possible to indicate on the 3 Portfolio Holdings charts, those companies which have a worthwhile (whatever you might determine that is) international exposure. Perhaps, that could also be shown on the covered stocks summary charts that are not included in any of the Portfolios ?
Many thanks .

Q: I am considering borrowing to invest in these two companies to take advantage of a rise in the oil price,if it ever happens.Perhaps SU or CNQ would be safer choices.What do you think?

Q: Hi team,
Do you think there will be a rotation from "growth" to "value"?

Could I have three value names you like(CA or US)
Thank you!

Q: I am a subscriber to the ETF and Mutual Fund Update website, although so far I haven't used it that much. One of my issues with that service is that it seems designed for reading each and every monthly issue to get the most from it. However, it would be useful if I could just somehow search on particular etf's or etf types to see what has been written on such searches in past issues. Is there a tool for that that I am missing? Or is that something that might be added in the future? Thanks.

Q: Please tell me the advantages and disadvantages between holding gold , for example mapleleaves, bought through a broker and buying a gold ETF.

Thanks