Investment Q&A

Q: I like what Global X has to offer in their line of ETF's. However, I think I read one of your Q&A responses a couple months ago that their can be a concern with overloading the overall percentage of ones portfolio with a given ETF company. Did I understand that correctly? If so, just wondering what the potential consequences are in doing that, and if you do recommend spreading investments over a number of ETF companies.

Percentages are personal, but perhaps 5i has a ballpark-ish range that they would be comfortable with for a given ETF company (?)

Q: Pardon the abruptness but It sure would be nice if members could start behaving g alittle more independently and USE THE SEARCH BAR FUNCTION !! Asking the moderator to confirm when a respective dividend date and amount is going to be paid AND Asking about all the Canadian public equities that pay a USD Dividend... BOTH QUESTIONS have been REPEATEDLY ASKED FOR 5 yrs ! Considering the vast amount of hi level expertise our moderator has too offer everyone these very basic administrative requests are serious waste of the moderators and other members time ! Perhaps implementing some better auto populate drop down functions or some How to Video s could be created to combat this ?!? This saved time for the moderator could in fact add value and time for the moderator to reallocate research report time for some USA Equities since PA subscribers are encouraged to hold a 40% USD portfolio allocation !! My estimate is nearly 25% of some daily question volume is really just laziness of the author not using the platforms software search functions. JMHO !! You can deduct 2x the credits for the abrasive tone of my request :) and wasting everyone s time having to read this. Have a nice day

Q: my tfsa equities are long trrm holds and i want to buy stocks/etfs that are on the drip program
Please advise where i can look to find out if an equity is available for drip
Many thanks
peter

Q: Retired, dividend-income investor. Long, long term holder of BCE in my wife's cash account. Sold it in mid-Nov, captured a $12k cap loss, and plan to buy it back next week....prior to the ex-dividend date.

I am ok buying it at the roughly $38 level, even if it floats around that level for the short to medium term. I understand that there might even be some further downside risk. I plan to buy around 1400 shares, either in one shot or maybe 2-3 tranches.

Your opinion on which makes more sense in this case? Multiple purchases is the more conservative way to go, but one shot gets the full dividend back (and more) to where we were a month ago. The BCE board has said they would not touch the dividend for now....although their credibility has taken a hit lately. We are ok with "some" volatility. It's almost a "flip a coin" decision.

Thanks for your help...Steve

Q: Hello, in light of the Canadian dollar trending lower recently, does it make more sense to buy CDR’s as opposed to the equivalent US listed stocks? Since CDR’s are traded in Canadian currency on a Canadian exchange I can still buy the same amount of shares with my Canadian dollars even if the dollar drops as opposed to buying US listed shares on a U.S. exchange with my Canadian dollars which should cost me more as the Canadian dollar drops. Many thanks for the amazing service that you provide.

Q: My question is on trimming winning stocks. You will often comment on this question that it is about the size of the stock in relation to your portfolio. I have a number of stocks that are half positions which are up 100-200% so now are almost full positions so I don't "need" to trim them. But I'm often tempted to trim at a new high to take some profits with the idea of re-buying on a pullback. I realize this is market timing so I hesitate, but I've also seen thousands of dollars disappear on a downturn. I have bought some stocks I think of as longer term trades so I have sold them after a profit and it has felt good to cement that profit so to speak. But some stocks like Apple, or BN that I see as more core holdings -with these type of stocks do I trim or just leave them, let them run and buy more on a pullback with new money presuming I have more. Any further articles on this would be appreciated as well. Thank you!

Q: I have added at end an addendum to the question I sent just seconds ago (my apologies):
I was making use of the Thompson Reuters [since renamed and/or bought by LSEG(?) ] that were made available on broker platforms and through some financial papers. The said reports have not been available at such sites for several months. LSEG does not sell subscriptions to non-institutional customers. I am looking for alternate sites and ask if you have recommendations e.g. Koyfin, GuruFocus, FinChat , Trading View—and there are others you would know. Would you also care to suggest the best stock charting tools available that include hard to find data such as PEG, forward P/E, EV/EBITDA &c. Thank you. :ao:sab

Q: Further to Rob's question about the Forums this morning:

I wonder if newer subscribers are even aware of the Forums, unless they happen to come across it by accident at the bottom of the website (who scrolls down that far?).

At the beginning of the year you replaced the "forums" link at the top banner with "Podcast". But I recall that the banner used to feature close to a dozen links, including forums, albeit with the words spaced more closely together. Granted, "Companies Search" takes up room now, but given the the wide spacing between the current handful of links, couldn't "forums" be fitted back in there?
And/or added back to the left sidebar?

Chris M.

Q: What is 5i opinion of Investor Business Daily service? They publish an IBD50 and IBD Big Cap 20 list. Have you looked at these names on the list over any period of time and is it a valuable tool? You may not be able to answer this if you don't use the service but if you do out of the names on the lists what would be your top 5-7 names?

Q: Everyone, for a medium risk person what would be a reasonable rate of return. Clayton

Q: Forums

If you dig deep enough in the web site (Click on members, then click on Start Here, scroll down to the last choice ) you'll find forums.

There are not many participants in these forums.

5i felt it was worthwhile to have a forums section, perhaps you could comment on some of the reasons 5i subscribers might want to participate in these forums.

I also posted this question in the forums section (Brokerages and research tools) if anyone wants to add to 5i's answer.

Q: Do the banks or credit unions insure an account up to 100 000 or
250 000. If a person has 1 000 000 and the amount actually is 250 000
does that mean you need four different banks or does four different accounts
work?

Q: I am retired and live full time in Canada. I use Norbert’s Gambit to buy US stocks for my US account. The alternative is buying US stocks from my Canadian account and paying extra conversion fees coming and going.
Does this strategy make sense?
I use the Gambit for exchanging $20000 or more.
When purchasing a Canadian etf of US stocks what are the conversion fees charged typically; would they be the same or different than if an individual was buying each stock on his own
Thanks for your advice
Much appreciated

Q: my public service announcement

re: saeed's question on averaging down


ugh, how many times have i done this only to regret it

i share this only to help others with this predicament

here's my figuring

as noted you own 1 share at $51 and are prepared to average down to $30 in order to 'not lose money'

therefore you will need to buy 6 new shares at the current price of $26 in order to bring your acb to +/- $30

6 x $26 + $51 = $207 (@ 7 = $29.57 ACB)

then, if the price increases to $30, you break even



the question is " you are already wrong on this company, so do you really want to triple your investment ($26x6 = $156)

trust me, i have done this many, many times (way in the past) and this is the epitome of throwing good money after bad

most often it is best to take your lumps and as peter says, move on and find something in an uptrend

good luck

Q: Hi 5i team,
My question is on Critical Illness Insurance and Long Term Care Insurance. Please comment on their usefulness as part of financial planning for retirees. Are there particular features to look for or to avoid when shopping for these kinds of insurance? Is going through an independent insurance broker the best way? Any links to articles on this subject that you can provide, including from Canadian Money Saver, would be most appreciated. Thanks.

Q: With Canadian dollar going down what companies on the TSX pay dividends in USD,

Q: I received this message below dated NOV. 20 and my 115 shares have vanished! (Replaced by cash.)

NUVEI CORPORATION SUBORDINATE VOTING SHARES PLAN OF ARRANGEMENT @ USD $34.00 PER SHARE 3,910.00 U$ CNV 1.3983900

How does this happen? Is it common? (I knew something was coming but thought it was going to be 2025.)

Thanks in advance!

Q: Peter and His Wonder Team
This is a question about the meaning of volumes. For example if a stock goes up or down on high volume what can we deduce from that. And the contrary...if a stock goes up or down on low volume what can we deduce from that. I know one day is just one day but I am just trying to get a read on momentum...if you know what I mean! Thanks your thoughts are always helpful.

Q: With the announced 2 for 1 split coming on this stock how does this split affect the CDR? Does it effect the costing or do we get more shares or a non event?

Thanks

Q: Since we're now in mid-tax loss selling season, what beaten-down losers can you recommend for early gains next year, and ideally long-term hold?