Investment Q&A

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

Q: this question is about tax loss selling. Close to 30 days ago I bought a company in my RIF for the equivalent in a taxable account. The plan was to sell the company in the taxable account in 30 days and keep it in the RIF. Well, I forgot about this and bought it again in the taxable account today. I don't think this will affect my selling it in the next week or so for a tax loss? but, I wanted to check to make sure.

Second bonus question with applicable credits deducted: We have a fairly large RIF and thus have most of our US holdings in it. I was wondering if there are any downsides to holding most of our fixed income in the RIF in US dollars? The only downside that I can think of is that the American econonomy is so much bigger than ours that it may be a better place to invest in stocks.
thanks as always

Q: For self-admin a/c's TD now offers clients do their own sec. tfr.'s between US & CDN ac.'s. Makes foreign exchange tfr.s or to get div.'s in the right a/c
a very simple procedure.

Q: What’s your opinion on safety of $20,000 investment in GICwith large Credit Union? Would you rather invest with TD, RBC or other large bank due to insurance on deposits under $100,000? Thank you.

Q: I sold my entire portfolio on 21.Dec.2018 .
Currently I m siting on a cash CAD$ 550 K . My entire portfolio was 65% CAD. stocks from your B.P. (7 stocks) and 35% US stocks (6 stocks).
I have not invested in materials ,energy & healthcare.
I had good growth with my selection in portfolio and now I want to start to buy back all my previous selection from my portfolio.
My question is this the time to start buying or should I wait for end of February after all reports and predictions are done .
What about 65/35% (CAD/US) stocks ratio in my portfolio I am thinking of changing to 50/50 (CAD/US),dos it make sens in going down Canadian economy predictions to buy more US stocks.
Thanks Andrew