Investment Q&A

Q: Hello Team,

If you had choice, what type of account would you hold a stock like QSR in? Reason i ask is the volume of trading is almost triple in the USA. i was thinking of buying it in the US portion of my RRSP. Also,what impact do you think the stock will have if interest rates rise in the US, and the Republican Party wins the election? Seems i have asked a three part question, charge me accordingly!

Thank you

Stephen

Q: This question may be out of your area of expertise but I will assume, maybe.
I have come across a fascinating investment, income vehicle. BMO retail has a product called -BMO Cash Flow Plus Deposit - Here is a quick overview.
On a deposit of $100,000 they will pay you, tax free, $500 per month for 15 years. This is a "return of capital"
After that time a sum will be returned to you which is the original amount that BMO has invested rather aggressively. Needless to say that with the 15 year compounding timeline and investment posture this could be substantial. This would be taxed as a "capital gain" There are a few other features but this is the gist. On the surface this is interesting. Any hidden aspects or dangers?
Thank you.

Q: May I have your comments on NWC's quarterly earnings. Thank you.

Q: I noticed a comment a couple of days ago about the quality of your portfolio reviews. I had one completed a couple of years ago and I echo the sentiment. They are of very high quality and well worth the cost.
For all of us to continue learning, please indicate the top five mistakes you continuously see investors making from your portfolio reviews.

Thanks

Paul

Q: Hello 5i team,
I am currently up 48% on CXI and am contemplating switching to Savaria (SIS). This would be within my TFSA. I am overweight financials (as most Canadians probably are..) and currently underweight industrials.
Would you endorse such a move; are there any "red flags" you would see to such a switch? Any thoughts or comments would be much appreciated.
Cheers,
Mike

Q: I help my son with his investments: he already owns XEG to capture an energy rebound in his TFSA & has another $25K to deploy in that account: he is not sure how long his time horizon is? A few stock suggestions that pay a nice dividend and/or have good growth potential over a 12mth period please?

Q: Are you aware of cases where guest portfolio managers on BNN got caught recommending stocks that the firm/themselves are shorting? It's hard to believe it's not happenning. My best example is Bruce Campbell of StoneCastle. His past picks are absolutely horrible (-43%, 93%, -57%, -88%, -90%, -70%, -51%). Are regulators actively looking out for manipulation through recommendations on BNN? I really hope so. I use this site to review past picks. Other members might enjoy reviewing past picks: http://www.stockchase.com/expert

Q: Hello, Would you advise / recommend topping up BAD and BOS to a full position each (from a less than half position now) or would you recommend some other more promising names( from BE model portfolio). Thanks

Q: This Co. has excellent EPS grwth on TTM basis, almost 25% ROE, low debt & P.R.. Can you tell me more about their customers and whether this is a good long-term buy right now: dividend grwth & have they bought any co. lately. I need to diversify with an industrial - have none right now.

Q: Is there a USA or CDN ETF that your team would recommend similar to CSH.UN, SIA or SIS. Is there any news why SIS is selling off with high volume.

Q: Perusing today's, June 7/16 , Globe and Mail Investor Data Tables I noticed a curious stock mentioned-ACE Aviation Holdings. It is priced at .57 cents and pays an almost 65% div. I tried to investigate further but any info I found was not clear to this tyro. Please, what do you see when you delve into your sources?

Q: what is your favorite stock in the materials sector for growth for the next 6 months, risk is not a factor for me, the more risk the better.i already have oil and gold exposure. thanks. dave

Q: Is it time to buy POT

Q: Hi Peter,
DBA is actual agricultural commodities while COW is companies involved in agriculture. Any Canadian listed company closer to DBA than COW ? Thanks.

Q: Well, the mining stocks are way up again today, and some analysts are talking about a bull market in commodities. I hold gold and oil only. Would you advise venturing into any of the other commodities? And if so which and what company?

Q: Matt's question about the U of T pension plan also sounded to good to be true to me so I looked on their website. The pension does not provide the value of the full salary, but rather what I've pasted below from the website:

1. Highest Average Salary/Wages is the annualized average of your highest thirty-six (36) completed months of
salary/wages, while a member of the Pension Plan, during your current span of employment with the University, prior to
your Early or Normal Retirement Date. “Salary/Wages” means your gross regular monthly salary before deductions,
annualized to 12 months for sessional employees and to the 100% salary/wages equivalent for part-time employees. “Gross
regular monthly salary” includes Academic Administrative Stipends, but excludes all other payments to a maximum salary
limit set out in the Pension Plan, currently set at $150,000.
2. Average Canada Pension Plan Earnings Ceiling is the average of the Ceiling established by the Federal Government for
Canada Pension Plan purposes during the last thirty-six(36) months of participation in the Plan prior to your retirement.
3. Pensionable Service means the total of all of the years you have been participating in the Plan, and any earlier University of
Toronto Pension Plans during your current span of employment (excluding participation in the historical part-time Pension
Plan prior to July 1, 1987). Effective July 1, 1987, part-time employees accrue pensionable service at a rate equivalent to
their percentage of full-time worked.
Your annual unreduced pension is calculated as:
• 1.6% of your Highest Average salary/wages up to the Average Canada Pension Plan Earnings Ceiling
• 2.0% of your Highest Average salary/wages which exceed the Average Canada Pension Plan Earnings Ceiling
• Multiplied by your years of Pensionable Services
The lower percentage app

Q: I just wanted to comment about the Portfolio Review that you did for me a few months ago. I wasn't certain what to expect but I really did feel I had gotten good value. It was informative and thoughtful. I liked that it was a suggestion of what I could be doing. It was a bonus to be able to ask questions that pertains to my specific situation.
In my case, I needed a "kick in the butt" to start really PLANNING for retirement and to reduce my risk exposure. This review is so thorough that it took me several readings to really filter the information. Awesome job 5I!!! Highly recommended!

Q: I have a small amount in gold and silver and much not else in the materials sector, please give me help by providing a couple of names in this area that would be most suitable for a conservative portfolio.
I would also like your opinion on these two ETFs; ZWU and ZWE.
Thank you again.
Audrey

Q: We plan to gradually tweak our (equity) holdings over 2016 to further optimize fees and diversification. Your thoughts on optimum geographic mix and how best to achieve that will be appreciated. (For context: Conservative, income-oriented portfolio, 1/3 equities, currently 90/10 Cdn/US currency and 80/20 Cdn/US stocks.) Thank you.

Q: Hi Peter & team
This stock has been going up on heavy volume for the past week or more. Can you find any news that may be responsible. Would you buy a small position in this stock?
Thanks, Gerry