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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: We bought a dividend mutual fund for my grandson at birth 18 years ago. This is held in trust in my wife's name and actual amount of actual dividends, taxable amount eligible dividends and dividend tax credit for eligible dividends ( Boxes 49,50 & 51 of the T3 form) claimed on her income tax for the last 17 years. Now this fund is worth 3.5 times the original amount invested- my question is can you tell us if the growth of this fund will have to be declared as a capital gain when we cash it out to give him to start a TFSA?

If this question is out of the realm for you to answer please feel free to charge me as a question asked.


Thank you for this and the service you provide.
Read Answer Asked by James on April 16, 2019
Q: Hi 5i Team,
I just read Peter column in the National Post and recognize myself with a few small positions each representing a very small portion of my portfolio (ex: 0.36%, 0.54%, 0.64% etc).

I would like to know at what percentage of a Portfolio do you decide to close a position because you consider it too small.

On the other end what would you consider the minimum "meaningful" percentage of a new position in a portfolio.

Thanks in advance!
Read Answer Asked by Michel on April 16, 2019
Q: Hi 5i,
I am looking at adding OSB in my dividend portfolio. I see it is trading around P/E=4.2 with a yield of about 17%. Is yield safe and have they cut yield in the past? Is their debt manageable? Is the low price just due to the current low demand for building products? What sector does OSB fit into? Is their any growth in the future?
Thanks for your views on this company.
Read Answer Asked by Richard on April 11, 2019
Q: HI Peter,
I invested in Knight for long term (5 years plus) but it has been frustrating. I was going to hold on given the management teams in place; however, with the current proxy fight, I am not sure what to do. I think in all of the time i have been in the market, this company has been a major disappointment as it feels like the company just drags its feet, and I simply trusted management given the track record. Now, as a shareholder i feel I am in a tough spot. What are the negatives and the positives for holding onto the stock please? In past discussions relating to gold and other types of commodities, the best way to invest was in streaming companies or picks and shovels. Any idea why this has not translated into the cannabis stocks? For example, the stock performance for Auxly Cannibis group and radient tech has not been that great. Lastly, what do you think of Valens Groworks and Enwave? Thanks very much.
Read Answer Asked by umedali on April 09, 2019
Q: I have about 10K of NFI and I'm down about 20% on it (paid close to 12K). Thinking on selling half of my NFI (5K) and using proceeds to buy 5K of Linamar. To spread the risk and also hoping to leverage the potential upside in LNR. NFI pay a 5% dividend though which is attractive (I don't need the dividends yet but at least I get paid to wait). Your thoughts on this ? Stick with NFI or split it between NFI and LNR (I guess which has the better potential for capital appreciation ?).

BTW - Love the new portfolio tools...keep up the good work.
Read Answer Asked by Randy on April 09, 2019
Q: Hi 5i:

I hold 5% positions in both and have solid gains. I was thinking of dropping one and going to RPD or FDC and raising my tech exposure to 10%. Which one would you drop from my portfolio and do you like this strategy? I have a 5% position in KXS. I am well diversified across all sectors. Thank you.

docsinc
Read Answer Asked by Tom on April 05, 2019
Q: Hello 5i,
Great job on the P.A.!! I found it extremely quick and easy to enter my data and will go through the resulting report soon.
One question I have, however, is: can I (or how do I) add our investment in our daughter-in-law's company? It is a private company and it represents slightly over 3% of our total PF. The easiest would be to add the cash value, but then I wouldn't want it categorized as Cash. One of your previous answers alluded to being able to add holdings that fall outside the box, but there were no specifics.
Also, I can't remember if you have a FAQ on the P.A. page or not, but it if not, it might help a bit.
Again, congratulations on a great job!!! Everyone at 5i should feel very proud indeed!!
Cheers,
Mike
Read Answer Asked by Mike on March 28, 2019
Q: I have a few questions about the new Portfolio Analytics service.

1. How does the Portfolio Analytics service differ from the Portfolio Review service that was offered in the past few years?

2. I don't see the Portfolio Review service anymore on your web site. Has it been cancelled?

3. A lot of personal financial information about me would be stored somewhere on your servers. How is this data protected? What is the privacy policy?

4. Has 5i Research ever been hacked?

5. Morningstar has an "Instant X-Ray" tool, which is used by Sunlife where my DCPP is held. Is your tool similar to this X-ray tool, where I can x-ray my portfolio at ANY time myself to get asset class, sector allocation, country weightings, stock style, fixed income style, etc. It's not clear to me that I will be able to do this myself at any time I want, or will I need you to "x-ray" my portfolio for me?

6. Information changes all the time with DRIPs, buy and sell transactions, etc. It would be up to me to keep the information up to date in this system. Every time I do that would I get a new report automatically pointing out over or under allocations, suggestions for improvements etc.? I guess the question is how many times in a year can I get a "second opinion" from this service?


Read Answer Asked by Paul on March 28, 2019
Q: Hello and congratulations on the new portfolio analytics roll out. I have started to enter my data. I notice the system allows Unregistered, RESP, RIFF, RRSP and TFSA. I have a LIRA should I enter this with my other RRSP holdings? I am also wondering about my wife's accounts. Should I lump them in with my holdings or is there a way to separate them? Thanks as always
Read Answer Asked by Frank on March 28, 2019
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