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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: Hello 5i team. I've noted that a number of typical 'dividend stocks' seem to have haled their downward momentum and are up the past few days ... e.g., AQN, BCE, CPX, NPI. Is it premature to buy back into some of these? Also noted that 10-year treasuries have pulled back from their flirtation with the 3.00% level and were at 2.78% today.

Keep up the excellent work you're doing for your subscribers.
Tom
Read Answer Asked by Thomas on September 16, 2013
Q: Hi do you suggest paying off a rental property or putting the same money into some of your A stocks some advise keeping a mortage on a rental since some of the interest is tax deductible
Read Answer Asked by Dale on September 16, 2013
Q: I would like to know if your model portfolio is a long term buy and hold as it is, or if at some time you would make adjustments to it either by adding new names or by re-balancing?
Read Answer Asked by Catherine on September 16, 2013
Q: What service offers up-to-date info covering "shorts" as a percentage of the Float? Thank you.
Read Answer Asked by Robert on September 16, 2013
Q: The S&P Dow Jones Indices has just announced additions and deletions to the S&P/TSX Canadian Indices. For example, companies such as SUM has been added while companies such as DH, NFI, STN, WCP have been deleted. What does this mean? Do stock prices rise or fall on such changes?
Would index focussed fund manager purchases or sells also affect prices? Thanks!
Read Answer Asked by Paul W on September 16, 2013
Q: Hi team, I don't know if this question will provide an answer so I'll give it a shot.
Mortgages- is it wise while rates are low (mine is 3.09 fixed 5 year term ) to put additional money on your mortgage to pay down the principal or would you be inclined to invest it elsewhere for a higher return? My thinking is to pay additional payments on a mortgage while rates are so low. Whats your take?
Cheers
Read Answer Asked by Seamus on September 15, 2013
Q: I believe the direction and level of the US 10 year treasury bond yield is frequently used as a portfolio weightings benchmark. I recall the quant/strategist Peter Gibson (formerly CIBC and SCM) used to say he would shift weightings in stocks as this 10 year rate approached 3.75%. (do you know where he woks now by chance?). Stocks still seem to have the heaviest weightings but as treasuries have moved rapidly toward 3%, I was wondering what rate do you think a shift into a heavier fixed income weighting in a balanced portfolio should occur. Thanks for all you great work.
Read Answer Asked by Ken on September 15, 2013
Q: I am in the process on selling my TRP as part of a rebalancing. Do you recommend selling at the market price or the bid? For example I could sell small chunks at market or the total position at the bid. TRP must be widely held but I suppose a market price could be manipulated. How safe is the market price?
When buying do you guys tend to buy at the ask price or at the market?
My father told me he always bought/sold at market as he felt it was better to execute the purchase/sale rather than quibble about the price.
Thanks
Thanks
Read Answer Asked by James on September 15, 2013
Q: I don't know if you would be able to answer this question here..

We (myself and wife) have an operating company (software consultany) and a holding company ( transfer any savings and then invest ).

What are the benefits of adding my kids ( who are now around 19 ) as preferred share holders? Is there an article on canadianmoneysaver around this?
Read Answer Asked by S on September 15, 2013
Q: Hi Guys,
Great insights!
Would you feel comfortable putting all your money into the model portfolio?
Read Answer Asked by David on September 14, 2013
Q: hi team,

What's your view on low vol etf vs. using dividend etfs
Read Answer Asked by Karl on September 13, 2013
Q: I have cash in TD's Premium Money Market Fund yielding .81 % and I am considering putting the money in Ing Direct Savings Account paying 1.35% interest. Are there risks which I am unaware of as the yield difference is considerable. I frequently sell funds to cover stock purchases and the TD money market fund is quite active with money flowing in and out. Thanks, Bill
Read Answer Asked by William J on September 13, 2013
Q: Dear Peter and Staff,
My husband and I have recently received an inheritance of $200,000. We are concerned about the future purchasing power of our pensions and riff income due to the effects of inflation. Please recommend a portfolio strategy (including stocks) that should give us an ever increasing stream of income at a rate that is greater than that of inflation. Many thanks, I look forward to your answer.
Read Answer Asked by Catharine on September 13, 2013
Q: Hi Team ; a question on short selling / long conv debs: How does the seller make money- they are responsible for the dividend on the shares and if the shares go up they get squeezed - if shares go down, they could lose on the deb? thanks
Read Answer Asked by Scott on September 13, 2013
Q: Hi team, May I get your comments on Harry Browne's Permanent Portfolio that divides assets into 25% Gold Bullion (CGL), 25% Cash/Government Short Bonds (ZFS) , 25% Stocks (XIC/VTI/XEF/XEC) and 25% Long Government Bonds (ZFL)? This mix of assets is supposed to protect the investor through the different phases of the economy ie inflation/deflation/recession etc. Does this seem like a reasonable portfolio mix for someone that will retire in 15 years? 25% in gold bullion and 25% in Long Term Bonds seems like this would be a very risky mix going forward.
Read Answer Asked by Ken on September 13, 2013
Q: Re GIB.A: is this an example of noise from sell side analysts?

"Deutsche Bank downgraded CGI Group to Sell saying the company's aggressive accounting has driven much of the reported margin improvement. The firm says CGI's top line growth is weak and lowered its price target for shares to $24 from $32." (Sept.3)

What I don't understand is: why not just say the outlook for the company is poor or shares are overvalued rather than smear the company's accountants? Any thoughts? J.



Read Answer Asked by Jeff on September 12, 2013
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