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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: Blackrock LifePath 2045 What is your opinion of this single mutual fund for a middle-aged investor's RSP?
Read Answer Asked by Jean on February 15, 2023
Q: NBI U.S. High Conviction Equity Private Portfolio
what is it and your evaluation
Read Answer Asked by Lorraine on February 14, 2023
Q: Good morning,

If the onus is on the taxpayer to adjust one's ACB on mutual funds every year when there is a return of capital ("ROC"), how likely do you think it is that the CRA has as good a handle on what your ACB is on a particular holding?

I am fine to do it, and have been doing it annually for years. But as I started the process yesterday for the 2022 tax year, I could not help but wonder if it really is worth it. It is such a manual process that I struggle with how the CRA could track something like this for every individual tax payer.
Read Answer Asked by Trevor on February 10, 2023
Q: Hi 5i
For income and some growth, I continue to hold Fidelity Asset Allocation Private Pool Series F8 (374), in a corporate account. It is the only investment in the account. I have two questions.

1) In your opinion is this still a good choice?
2) Could you suggest an alternative to replace part or all of FID374?

Thank you, Bill
Read Answer Asked by William on January 31, 2023
Q: The FGP318 Small Cap Canadian Equity fund is showing extraordinary return recently. Historically, it's not been so strong and is extremely volatile. What are your thoughts for its immediate prospects?
Read Answer Asked by David on January 27, 2023
Q: Hi Everyone at 5i!!
I own Maw global small cap and have rode it up and down. I am given to understand that it is a good fund but the MER is high. Is there an ETF of a similar nature that I could reinvest my money in??

Cheers,
Tamara
Read Answer Asked by Tamara on January 24, 2023
Q: Hi there,

I've been digging into a few of the Fidelity funds which have seemed to perform well over the short, medium and longterm. What are your thoughts about the follow funds and if you were going to build an asset allocation using one or a selective mix of the funds, how would you go about doing so? Also, can you please provide any insights on the different classes of mutual funds available? I believe F and F5 are available to DIY investors.

Fidelity Canadian Growth Company Fund
Fidelity Canadian Large Cap Fund
Fidelity Canadian Opportunities Fund
Fidelity Greater Canada Fund
Fidelity Special Situations Fund

Thanks!
Read Answer Asked by Michael on January 10, 2023
Q: On jan 4 you answered question to Leon re actual interest rate on PSU.U. Would the same kind of answer apply to TDB2915? I.E. what is rate for TDB2925?
Read Answer Asked by joe on January 04, 2023
Q: Would you advise an investment in this fund and what has their performance been.Thanks Phil
Read Answer Asked by philip on January 03, 2023
Q: Mutal Fund RBF653: This fund is held in a tfsa- would it be wise to sell the units and use the funds to purchase a gic- the interest rates are pretty good right now and may go up also
Read Answer Asked by jane on December 08, 2022
Q: Hello,

For my pension with my employer, we have limited options with respect to investments. I intend to allocate a portion of my assets to ''Manulife Canadian Real Estate Fund'' (code 9575 / MCREA). Assets of $1.2B Return 1year 17% 2 year 20% 3 year 13%. I have a few questions:

- Can you find the breakdown for the asset allocation: multiresidential, office, industrial, etc. and does it include real estate development? (the information I find and that I was provided is very limited)

- On a scale 1 to 10, how risky is this investment for a 15 year time horizon?

- Can it be considered fixed income in a portfolio?

- How big of a position would you recommend vs total investment assets / portfolio? (% range would be appreciated).

-Returns seem high for the last few years. Can you please provide some comments / insigths?

My level of risk is typically average and I have a long term horizon. I just want to make sure I properly estimate the overall risk of the fund.

Thank you for your help.

Read Answer Asked by Pierre on November 25, 2022
Q: 1. Would you replace the below funds with a 1-year term GIC:

RBF270 (RBC Bond Fund A) YTD Return -14.35 MER 1.05%
RBF266 (RBC Core Plus Bond Pool A) YTD Return -12.6 MER 1.06%

2. Would you suggest a different Mutual Fund for a fixed portion in RIF with a better going forward YTD return?


This is for a fixed portion of RIF with Mutual Funds.

Thanks in advance for your very valuable comments in this difficult market.

Read Answer Asked by Hali on November 08, 2022