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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: Besides a subscription to 5iresearch could you please recommend any introductory books or courses that teach basic investment information on topics like diversification, ETF, bonds, equity, MER, risk, dividend, capital gain, brokerages, IPO, volatility. I'm sure this has been asked before but I just can't find it on the site. Thank you for all your help.
Read Answer Asked by Brian on February 18, 2016
Q: Could you tell me what the index total return (including dividends) was in 2015? Where can this information be found? Thank you
Read Answer Asked by jacques on February 17, 2016
Q: Hi 5i, I would like to add a new position to my granddaughters' trust accts ( 2).

They currently hold:

REIT ( KMP and AX.un)
Bank ( BNS and RY )
Insurer ( SLF and MFC)
Pipeline ( PPL and IPL )
Oil ( ARX and VET)
Utility ( BEP.un and NPI)

Could I get your top 2 suggestions in the following sectors:
tech
telecom
consumer staples
consumer discretionary .

Timeline would be 5 to 7 years.

Thanks for a such great service! You really help to remove the DREAD from investing
Read Answer Asked by Don on February 17, 2016
Q: In response to a query from "M S" on Feb 15th having problems downloading Confirmations to his MAC (getting blank pages).
I would suggest you check //www.td.com/to-our-customers/tdhelps/#psce|cid=871|lid=1|tid=001|tags=3.
This is a TD Helps forum that you can search for solutions. I typed in 'download confirmations to a mac' and it turned up 5 questions/answers. I do not use a Mac so cannot be of any further help, but you can also post your own questions.
Hope this helps you out.

Scot
Read Answer Asked by Scot on February 16, 2016
Q: Hi Team If I were to do a ratio of EV/share what would it mean if the price were less than the today's market price of a particular stock. Trying to ascertain weather it is a bargain or ?? Trying to make sense of it. Thank you for your help. I'm going with no question is a stupid question, hope you agree.
Read Answer Asked by Cheryl on February 16, 2016
Q: Are there a couple of good articles about why market timing does work... or if not could you tell me briefly?

Thank you.
Read Answer Asked by Arthur on February 16, 2016
Q: Paul asked a question about a site for U.S. Dividend Aristocrats. This is the only one I know of: www.dripinvesting.org/tools/tools.asp
Read Answer Asked by Craig on February 15, 2016
Q: On February 9,2016 Allan responded to Mike's search for dividend aristocrats. He gave the following site www.dividendgrowthinvestingandretirement.com/Canadian-dividend-all-star-list. Thank you very much Allan! This site will be extremely useful to me.
Has anyone found a similar site for U.S. stocks? I have tried playing around with that site's name but to no avail.
Many Thanks

Paul
Read Answer Asked by paul on February 15, 2016
Q: There is an investment(!) strategy whereby the dividend payout dates are used as the basis of buying and selling equities for multiple payouts during a year. Intellectually this sounds interesting. Is a plan such as this practical, feasible, legal, moral etc. On the surface this might generate reasonable returns if mid tier dividend payers are followed closely , with all the usual selection criteria employed. Are there serious tax implications? Your usual pragmatic overview please.
Read Answer Asked by Ryczard on February 12, 2016
Q: Hi Peter, I apologize for a general question.
TD Direct Investing (aka TD Waterhouse) has told me that they can "journal entry" my gold stock positions from my CAD margin accounts to a CAD Cash account. The question I'm fussing with is whether the CRA will consider this JE transaction a deemed disposition (for Capital Gains reasons). I'm trying to avoid dealing with the CRA bureaucracy and did a google search to get some insight with no luck. Do you have an opinion on this? Do you know of any chat rooms, websites, other sources where I can get an answer?
Thanks for your patience, Ralph.
Read Answer Asked by Ralph on February 12, 2016
Q: Hello, thank you for the p / e article. Reading it made me reflect to p / e ratio vs p / cf and p / free cf. I thought professional money managers don t look too much at p / e but use p / free cf to really assess the merit of a company. Can you please comment on that and clarify how it is calculated. My understanding is that cf is net income plus all accounting expenses which are not really paid such as amortization and free cash flow involves reducing the cf by deducting all capex necessary to maintain your asset base. Please add some subtlety to your explanation if you have time. Thanks.
Read Answer Asked by Pierre on February 12, 2016
Q: Could you explain when the funds are hedged and unhedged how they work with the movement of the dollar ?
Read Answer Asked by terrance on February 10, 2016
Q: Hello:
What do you think the chances are that the Bank of Canada might lower its benchmark
intetest rate.
Thanks: Jerry
Read Answer Asked by Jerry on February 10, 2016
Q: 6:42 PM 2/9/2016
Hello Peter
Could you please comment on the Algonquin Power takeover of Empire Electric in Missouri. The deal looks very interesting to me. Algonquin are simultaneously offering 5.00% Convertible Debentures - Instalment Receipts. The Conversion price is $10.60 well below the closing price of the shares yesterday $11.54.
Could you answer these questions for me and comment on the Company and on the Debenture issue.

1. It seems very surprising to have the conversion price LESS than the market price. Why?
2. Would you prefer the Debentures or the Common shares for steady income.
3. Will the common shares trade down to the conversion price on open Feb 10th?
Many thanks.......... Paul K
Read Answer Asked by Paul on February 10, 2016
Q: In regards to Mike's search for Canadian Dividend Aristocrats he may find this site helpful:
http://www.dividendgrowthinvestingandretirement.com/canadian-dividend-all-star-list/
Read Answer Asked by Alan on February 09, 2016
Q: Looks like strong volume today relative to historical daily averages on the tsx. Anything to read from this either positive or negative?

Thanks

Robert
Read Answer Asked by Robert on February 08, 2016
Q: I keep hearing the phrase "the market sell-off has been orderly". What does that mean?
Read Answer Asked by Ronald on February 08, 2016
Q: Further to "February 08, 2016 (asked by patricia)" earlier this morning. I have numerous CAD margin accounts at TD Waterhouse. This is to facilitate selling one stock and then quickly buying another stock without waiting for settlement date. I NEVER have a debit balance in my margin accounts. My understanding is that my stock positions are held in BULK SEG at the brokerage and treated as if the margin account was a Cash account. Can you comment on this. Is there still any danger during a banking crisis??
Read Answer Asked by Ralph on February 08, 2016
Q: You mentioned that we should keep our money below $100,000 at ANY bank to have the CDIC coverage. Is this just Canadian banks?
Does this apply to Waterhouse accounts?
Is it the total amount that is held in an institution or is it individual accounts that have to be under $100,000? What happens to the $$'s above $100,000? Thank you.
Read Answer Asked by patricia on February 08, 2016
Q: Everyone talks about the headwind of demographics on growth. With the baby-boomers retiring, the workforce is shrinking and that compromises growth, resulting in lower expected returns from investing in the markets. Are you aware of any research that discusses when the growth in the workforce from the next generation will balance out the decline from the baby-boomer generation? Also, how much of a factor is immigration?

Great service, Thanks,
Read Answer Asked by Hans on February 08, 2016
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