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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: For my kids RESP's I buy low cost TD index funds "e-series" to keep things simple. However I notice they added a disclaimer which didn't used to be there when buying this last time, it says "A short-term trading fee of up to 2%, payable to the fund, may apply to all units of TD Mutual Funds (except money market funds". What does this mean? Short term makes it sound like I get the money back? But if not, f they are adding 2% to the purchase of low cost index funds, those are no longer low cost. Thoughts?
Read Answer Asked by Adam on October 20, 2021
Q: Could you please outline how to evaluate the value of a segregated fund, and also what ramifications there are to selling it, as compared to other equities or funds?

Thanks

Peted
Read Answer Asked by Peter on October 19, 2021
Q: I am looking to finally replace the following mutual funds held in a self admin RSP account, to equivalent ETFs.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.


Read Answer Asked by Mark on October 15, 2021
Q: What are your thoughts on the latest Mawer mutual fund - MAW 180 and does it have place in a well diversified portfolio?
Also is there a withholding tax if held outside of a RSP.
Thank you
Read Answer Asked by Francesco on October 15, 2021
Q: Have you heard of this private fund called Merchant Opportunities Fund? If so, what are your thoughts on this?
Read Answer Asked by Craig on October 05, 2021
Q: If you owned Dynamic American 041 would you be inclined to replace it with the ETF equivalent… We understand that Mr Fingold manages an ETF but can’t find an exact proxy …
What do you think of DXF or
DXG
Read Answer Asked by Thomas on October 04, 2021
Q: Appreciate your opinion on this fund.

Thanks
Read Answer Asked by Saad on September 30, 2021
Q: Where could a person find as near to "real time" as possible all of the holdings of mutual funds and ETF's - when looking at company documents on their websites they can be months behind current. I even tried SEDAR but could not find.
Read Answer Asked by Reg on September 27, 2021
Q: I am looking for low to medium risk USD investments like RBC's US monthly Income Fund other than straight bonds and GICs. Any suggestions?
Read Answer Asked by Jean on September 07, 2021
Q: What actively managed US focused broad based equity mutual fund (s) would you recommend if I wanted to complement my US etf holdings ? Thank-you .
Read Answer Asked by Albert on August 23, 2021
Q: Can you please comment about the Mawer funds Which are the top 3 or four? Which are better for a non-registered account, and is there one you recommend for a TFSA? I don't have a long time horizon, being 76, but am open to some risk (and reward), Is there another mutual fund company in Canada you can recommend that sells diversified holdings in Europe and the US? I'd like some holdings that aren't usually found in ETFs that are good value. Thanks for all your help.
Read Answer Asked by Elizabeth on August 18, 2021
Q: I bought this late 2018 when working with a Nesbitt Burns advisor. I have been very happy with the 2019 and 2020 results (gains of 44.68% and 92% respectively in those years). Fund focus and holdings seems to have changed this year and I am not impressed. Gain of 0.53% year to date. MER is high. Is it time to sell this one in 2 accounts and move on? One is held in RESP with a short horizon now. One is in a non registered account. Do you have replacement suggestions for growth, either equities or ETF.
Read Answer Asked by Maureen on August 12, 2021
Q: I have 2 American Equity mutual funds: BTG105 and MAW108 in an RRSP. I also own the ETF VFV. Performance wise BTG105 has lagged MAW108 and VFV in the last 6 months, 1 yr, 3 yr, 5yr, and 10 yr periods, so I will sell it. But should I replace it with MAW108 or VFV?

MAW108 appears to have outperformed VFV in the last 3 yr, 5yr and 10 yr periods, while VFV outperformed MAW108 in the last 1 yr.

Can you rank these 3, best to worst?

Would you replace BTG105 and MAW108 with VFV (and consolidate all 3 into 1), or keep both MAW108 and VFV for US equity exposure?

Thanks,
Paul
Read Answer Asked by Paul on August 10, 2021
Q: Is it true that as of June, 2022 back end loading will be prohibited? If yes ,is this only for new customers from that date forward or will customers already invested under these rules be permitted to shift their assets to other companies without penalty? Is Ontario to be exempt from the prohibition? Appreciate your incite
Dave
Read Answer Asked by Dave on August 09, 2021
Q: Hello 5i Team,

I have a question about Mawer Funds. My wife and I currently hold about 500,00 across 4 account (2 TFSA’s 1 RRSP and 1 Cash). We own Mawer 130 and 104 split equally. We have enjoyed the funds and the performance and just wonder what your thoughts are about the size of the company. Do you see AUM growing to point where it could hinder performance. Thanks
Read Answer Asked by Joel on August 06, 2021
Q: Any reasons that 5i can see that would account for the large difference in 10 year and 5 year in the performance of these companies that operate in similar industry. Companies outside of Canada have dramtically outperformed

10 year # including Div AON 470 MMC478 MFC 105 GWO 135 SLF 235

AON and MMC are 2 long term holdings in MAW120 and I am thinking of selling SLF and adding to MAW120
Read Answer Asked by blake on August 03, 2021
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