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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: Hi Peter & Team,
Would this be a good portfolio of Mawer Funds for a time frame of at least 15 years, or is there something I am missing or could be improved upon.
Thanks for your input
Ivan
Read Answer Asked by Ivan on March 14, 2018
Q: Hello,

I currently have $3,500 dollars invested in CIB486 (Unfortunately half of my portfolio) in my TFSA. I also hold positions in PHO, COV, and GUD. I am in my early 20's, looking at a long-term hold, with a high-risk tolerance. I am thinking it is probably best to sell? If so where do you suggest going?

Thanks for the advice!
Read Answer Asked by eric on March 06, 2018
Q: I would appreciate your opinion on the Spartan group of funds. In particular the MM fund SPA520. I noticed one of the principles of this fund was also involved in managing the Salida multi strategy fund and you know how this fund ended up with disaster performance.

Thanks
Read Answer Asked by Saad on March 05, 2018
Q: Hi 5i staff, I Think this would be a good income investment , however I am really confused regarding the Mer.
Redwood shows 1.50 Mer on their site, You show 1.76 , Morningstar shows 1.76, TD direct shows Mer @ 1.76, but also shows Actual management fee @2.25.
Is there an answer as to why all the discrepancy.
Another Question, Why would anyone pay the high Mer for the mutual fund version when the sam product is available as an ETF with a .75 Mer
Best Regards
Read Answer Asked by l on March 05, 2018
Q: I am managing my 83 year-old mom’s TFSA ($64,000.00) and Investment Account ($25,000.00). She contributes $6000 yearly ($500.00 monthly) to the Investment account and $5,500.00 to the TFSA.

I am thinking of purchasing the Mawer Tax Effective Balanced Fund (MAW 105) which comprises 30% Canadian Fixed Income; 2.5% Global Fixed income, 7% Cash, and 60% Equities (Canadian, US, and Global) and a ETF Bond Fund such as Ishares CBO. What percent of each would you suggest I purchase of each or should I just purchase MAW 105. She doesn’t need the money for spending. Any other suggestions are greatly appreciated. Thanks. Susan

Read Answer Asked by Susan on February 20, 2018
Q: I am 60 years old and recently retired, have a company pension and am drawing my CPP early.
I have usually used individual Bonds for my fixed income portion (8%) of my RRSP.
My advisor suggested I should use these 2 Mutual Funds instead: LYZ801A & MMF559.
Do you have an opinion on these funds and are they a suitable replacement for individual Bonds?
Only joined your group recently but am learning a lot - THANKS.
Read Answer Asked by Reg on February 13, 2018
Q: Currently holding (exclusively) Mawer Canadian Equity (MAW106) in a TFSA account targeting an “all-weather” (i.e., buy-and-hold) long-term investment, to which the maximum allowable has been contributed each year including for year 2018. The appeal of this product was the low fees (for a mutual fund product) and record of long-term out-performance relative to the TSX index, though note that recent 1 and 2-year results have dipped below the TSX index, and now showing a 3-star rating on GlobeFund. Appreciate your insight on the scenario for a 10-year hold, no withdrawals, maximum annual contributions, volatility not a concern, and seeking only to maximize the available balance at the end of 10 years. Things that come to mind are: 1) Percentage to place in Canadian investments versus international markets; and 2) Where the long-term edge is in terms of relying on one or more low-cost mutual funds, or jumping into pool of ETFs, or jumping into individual stocks (and which portfolio to model). Thanks for continued great service.
Read Answer Asked by Michael on February 12, 2018
Q: Good Morning 5i Team,
I am trying to switch from the following managed funds to 5i recommended investments:
TDB2760 TD RETIREMENT BALANCED PORTFOL
TDB331 TD MANAGED INCOME & MODERATE G
TDB622 TD MONTHLY INCOME FUND - INV
IGI467 IG FRK BIS C/E-A /D'FRAC
IGI348 IG FI CDNEQTF A /D'FRAC
RBF461 Select Conservative Portfolio fund NL
Please evaluate and advise. I am targeting to allocate 65% for conservative and 45% equity investments). I have already small 5i portfolios with most of companies from 5i recommended Balanced and Income models (started in October - Dec 2017). Please advise. Thank you
Read Answer Asked by Hali on February 08, 2018
Q: Hello 5i
The following securities were chosen by an advisor, when we were with a full service broker, and I found no reference in the 5i "Question" section. Could we have your opinion on them, and, as part of a retired investor's portfolio, would you suggest to hold? If not a hold, then suggestions to replace. Thank you, Bill
1)Templeton Global Bond Fund (TML257) for income ( we also have VBU)
2) Res Fairfax Financial Bonds (due Oct, 14, 2022) for income. Far
3) Fidelity Far east Fund (FID227) for global equities
4) Fidelity Asset Allocation Private Pool Series S8(138) held in a corporate account where we draw approx. 2k per month
Read Answer Asked by William on February 01, 2018
Q: Good Afternoon, Curious as to your thoughts on starting a growth oriented TFSA with the following, and your alternative recommendations if any. Thanks
ZLB,XWD, TDB3098,TDB3099. About 20k to start which is why I have not chosen individual stocks.
Read Answer Asked by Lavern on January 30, 2018
Q: Do not chuckle at my ignorance here please, but my question here is on ETF and Mutual Fund fees bought in self directed brokerage portfolios. If a posted managed fee (ie 1.5%) where does that withdraw fee show up and is it taken our annually or monthly? I never see a charge on my monthly statements for the etf management fees. How are they calculated, on the purchase price or a share value on a set date? Thanks
Read Answer Asked by James on January 27, 2018
Q: Could I get your thoughts in the index funds series A available through RBC?
Read Answer Asked by Matthew on January 22, 2018
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