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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: Have owned ESL with 2000 shares & IPL with 4000 shares for several years with substantial gains of 135% & 170% respectively. I am considering a trim of 25% on ESL & 50% on IPL. This would free up approx. $85,000 in a RIF acct. Would appreciate your suggestion for 2 new additions to complement the existing holdings which include KXS, DH, EIF, MIC & RY. Thank you.
Read Answer Asked by Robert on July 13, 2016
Q: Peter

I am working with a friend to restructure her portfolio It is criminal that the broker of a large bank investment division put all her accounts in high fee mutual funds The TFSA had 89 % in one mutual fund

My question is what is your opinion on holding short term ETF bond funds as opposed to holding interest sensitive stocks I do not see any reason to be in a bond fund

Could you recommend half a dozen Canadian stocks that would serve aws bond proxies

Could you also recommend some of the new rate reset preferreds with a floor on the rate reset

Thanks for your response and great service

Paul
Read Answer Asked by Paul on July 13, 2016
Q: Hell 5i team,
We have all dropped the superlatives regarding your excellent service,because of getting used to it, but we still believe you are great, even though we don't mention it as much!
I have two questions here, really. I have Stella Jones and Stantec in my TFSA and I have been wondering whether it is worth it to sell them and buy something like New Flyer there and putting these two in my margin account, obviously because of growth potential. How would you see this move?

Also, in an answer this morning you put PG in health care. Is that because it has enough of a health care business that you could classify it that way? On Morningstar it is classified in household and Personal products, I think.
thanks
Read Answer Asked by joseph on July 12, 2016
Q: My question regarding BCE.PR.S. After a number of years of owing this preferred, is it worth holding any longer. It has lost a lot of value since my purchase, I believe it has a floating rate dividend.
Thanks for your opinion. I was thinking of switching to BCE common share.

Shirley
Read Answer Asked by Shirley on July 11, 2016
Q: I have owned this preferred for 3+ years and am getting impatient with it. I purchased it for income, but have lost more in value. I am thinking about selling it and taking my loss and just buy BCE and collect their dividend, and hope for a little growth.
Is this a good idea, what are your thoughts. Any other suggestion would be appreciated.
5i has been very informative, I really enjoy it.
Shirley













Read Answer Asked by Shirley on July 11, 2016
Q: Hi,

I have a small (100% in oil and gas) portfolio and am 34 years of age. My investment strategy involves riding the oil and gas recovery in the short term (until early 2017). From this point I would like to reconfigure into a diversified portfolio. My question is, when does a middle/not aggressive/not cautious/average person implement your different types of portfolios? I gather that duration until you require the investment is of most importance with risk tolerance playing an equal part of the equation. But what if neither risk adversity or time are an issue? Should I be 100% positioned towards the growth portfolio?

What are some general rules of thumbs and what are some 'ballpark' milestones for someone who is investing for retirement? I'm after a generic answer that looks something like until:
age 40 100% growth,
until age 50 100% balanced,
then by age 60 100% income.
Read Answer Asked by Marc on July 11, 2016
Q: Apologies in advance for a long-ish question. A good friend's $800K portfolio is wildly out of whack diversity-wise courtesy of a recently deposed financial advisor who had him 60% in banks. The friend has entrusted me to right the ship. My philosophy, very successful for me, is to be fully invested and widely diversified, almost 100% in Canada (not impossible to do contrary to prevailing wisdom), with an emphasis on dividends and growth at a reasonable price.

I have set the following personalized sector percentages:

Banks - 20%
Other financial - 5%
Telcos - 8%
Utilities/Pipes - 15%
Energy - 14%
REITs - 12%
Healthcare - 6%
Tech - 6%
Consumer Discretionary - 10%
Industrials - 4%

I am trimming his banks from 60% to 20% which frees up funds to purchase. About 1/3 of what he has is worth keeping. For the other 2/3 would love your input on the overall approach, the following choices and the weights:

Telcos: BCE and T, 4% each
Utilities/Pipes: IPL, PPL, BEP, FTS,NPI, 3% each
Financial: FC and MSI, 2.5% each
Healthcare: DR and CRH 2% each
Tech: KXS, NVDA and SYZ 2% each
Consumer (my definition): PBH, RPI.UN, BYD.UN,CGX, ADW.A, 2% each
Industrials: EIF, CHR, NFI, 1.3% each

REITS still need to be worked on and I'm keeping his current energy holdings which are well down, hoping/waiting for a continued bounceback.

Thank you very much
Read Answer Asked by Kim on July 11, 2016
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