Investment Q&A

Q: Re the webinar later this week. Will there be a facility to ask questions during the webinar or are you looking for questions to be sent in prior?

Sheldon

Q: I want to buy some bonds for capital gain. Looking at a TD bond 1.128% matures Dec 9/25. Buy at 89.0161. Special term " bail-in ". What is bail-in?

Other option is Gov Can 0.25% matures Mar 1/26. Buy at 89.3995 with no special terms.

Is bail-in good or bad? What is the better choice? Thank you

Q: Could I transfer u.s. dollars to cdn dollars using Norbert’s gambit thank you

Q: In answer to Ronnie's question regarding retirement software I have been looking myself for a few years and I must say that is is not that easy to find. May I suggest the following for you to look at: D.R Gobeil and associates' The Canadian Retirement Planner's Software. It is updated annually (for a license fee) for up to date CPP/QPP, income tax tables, etc... Tailored for Financial Planners it is a little raw for the unitiated but still a very good source of information for DIYer.
Quite extensive in coverage, it covers all sources of revenue and if you have a spouse, It is worth looking at.
I have been using it and it is currently my goto reference. It was recommended to me by a financial planner.

Q: Hi
I read the question posed by Ronnie today about retirement software and although I have no recommendation there I am reading Your Retirement Income Blueprint by Daryl Diamond and it is helpful.
If anything else comes up I would not mind knowing. Probably more of a blog thing but I do not know how to direct the subject to that area of your website and help with his question at the same time.

Q: There was a question by Ronnie about cash flow projection for retirement. I have put a suggestion in the Brokerages & Research Tools forum.

Q: Relative to DIY investing, I am in the need of a suite of software (pay per use) that I use to assist with modeling my future retirement. The ability to model different scenarios based on; age, type/source of income, timing, and then to project yearly income and tax implications is necessary. I have recently explored PERC, Canadian Retirement Income Calculator, RazorPlan, and Cascade Financial. Is seems that fee-based advisors RazorPlan, for example, in turn, charge a considerable fee for the reports and/or advice. Might you have a preference or other recommendation?

Q: Hi Peter, Ryan, and 5i Team,

Peter, with your experience in markets such as the situation we're now in:

Is dollar-cost-averaging over the next year or so a good way to accumulate some good but beaten-down companies?

Can you recommend several Canadian and US ETFs that I can use to take advantage of this dollar-cost-averaging approach?

Finally, since one cannot predict the market bottom with any certainty, what frequency would you add to one's position (weekly, monthly, or ??)

Thanks in advance for your insight.

Q: Hello
I am looking for contact information for anyone who could value old stock certificates. The certificates are from the 1940's. I have done some research on the certificate company's and have gone through various iterations and now are part of Franco Nevada. Thanks

Q: I received this note regarding GE Fair Fund $200 mil. civil money penalties. Is it worth the time to claim my piece and to go through all the required documents for the 800 shares I had? My cost was around $18k and $7k in losses. The shares were held in an RRSP account.
Many Thanks.

Q: So, when you give us an update on a particular stock and give it a rating, what am I suppose to do with the stock…. Buy ?

Q: Can you explain how Canadian depository receipts work?

Q: Retirement and tax planning to maximize net dollars during retirement are of interest to me. Can you suggest a few resources that do a nice job with strategies on these subjects. Thank you

Q: A few stocks I own.....junior explorers moz, ske, lio, have fallen dramatically after recently announced pp's that are handsomely lower than where the stock had been trading, much to the chagrin of current shareholders.
Why do you think management is thinking "get the money now" to advance the project even though current shareholders are being punished.
Larger cap companies like eif and neo have also had recent large placements only to see the sp diminish considerably.
What do you think is going on...thank you for ur comments

Q: I regularly read the Q and A section. Several questions mention being down 50% or more on an investment. I too have had similar losses in the past on a couple of stocks. Aren't these losses a result of inadequate risk management? In order to avoid such big losses, can you suggest a selling strategy or point readers to a discussion of selling strategies?

In the past I have employed a stop-loss but isn't that akin to showing the market your hand? In other words, as soon as you enter a stop-loss price doesn't that price then become another data point for algorithms to hunt down?

Any advice/information you can offer regarding selling strategies to minimize losses would be appreciated. No rush to get this answered. Thank you as always for your expertise.

Q: When a company vests rsu, restricted stock units, does that have an effect on the value of a stock.

Q: If you sell a stock on the day it pays it dividend,who gets it,the buyer or the seller?

Q: I find your Watch List very useful and especially the weekly email of all the questions on the list. However, I can't find a way to delete companies I am no longer interested in. Adding companies is easy but I don't want an ever-growing weekly email. Please advise.

Q: I would like to compare these two companies for real return. That is capital gains plus dividend over five and ten years shown as a chart. Do you know of a web site that I can used which would provide this.

Q: Peter; Eric N. keeps saying he would like to buy WCP but the “ overhang” is stopping him. What is the “overhang “? Thanks. Rod