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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 5i, I own some D-Serie funds in my BMO InvestorLine account. I was told that, by law, the D funds will not be allowed anymore in self-directed accounts and will be converted to F-series very soon. Do you -or your readers- know where this directive comes from? And will this conversion be tax-free? Thanks.
Read Answer Asked by Denise on March 02, 2022
Q: Hello,

What are your thoughts on the Canso Corporate Value Fund - Series F as a fixed income option?

Thank you,

Glen
Read Answer Asked by glen on February 22, 2022
Q: I have friends that have sold mutual funds and wondered why the final proceeds seem so much less than they expected based on recent monthly statement values (i.e. they've sold a day after the their last statement in an up market). Why do mutual funds valuations seem a bit contrived? Are there hidden fees deducted from the sale proceeds in general? If so, what % are they typically?
Read Answer Asked by DAVE on February 22, 2022
Q: For a mutual fund, do you think the CIBC balance index fund managed by Jacques Prevost is a good overall fund for a conservative investor? Reported returns of 6.7% for 5 and 10 years. Mer of 1.22%. I noted 25% allocation to financials. It’s in my wife portfolio and she was looking for advice. Any comments would be appreciated. Thank you!
Read Answer Asked by Pierre on February 18, 2022
Q: Hello 5i,
These three make up the fund portion of a senior's portfolio. All of these have a US focus. Can you suggest 1-2 ETF's that would compliment these three with more diversification and some balance. Nothing risky; 5-year horizon.

And should the TD mutual fund be replaced with an ETF with lower fees?

Thanks for your guidance.
Read Answer Asked by Robert on February 08, 2022
Q: Peter,

I had read that mutual funds could no longer charge DSC fees. I didn't realize that trailers were also being outlawed.

Were trailing fees a major cash cow for them or something smaller?

How do you envision the fund companies making up for the loss of fees?

Thank you

Paul
Read Answer Asked by paul on February 07, 2022
Q: I would like an ETF to take advantage of the pull back in tech stocks. I generally like the holdings of XIT except for the huge position in CSU (I bought some anyway because I've always been wrong on CSU). Its a small position which I would like to build on but I would also like to add some US exposure - preferably CAD since I don't feel like exchanging more funds right now. Suggestions?

Also, what is your current opinion of PTF? I only recognize a few of their holdings and have no idea how to assess, apart from noting their reasonably good history.

Read Answer Asked by Peter on February 03, 2022
Q: MAW102 has under-performed recently; methinks because it excludes the Canadian and US markets.

Should I continue to hold?

Thanks, Gary

Read Answer Asked by Gary on January 31, 2022
Q: Re: Brian's question about this fund - You quoted a MER of 2.36% where the actual MER is 1.57% (Series X) . Would your answer still be the same.
Read Answer Asked by Jack on January 27, 2022
Q: The last MF that my mom holds in her non-reg account is CI Canadian All Cap Fund Series X. All other (higher fee) MFs have been converted to low cost ETFs. If she sells, there's a capital gain to be paid. It's not a trivial amount but it won't trigger OAS clawback. If she were your mom would you suggest she convert this to an ETF as well or is the MER low enough to just let it be? Or is one's view of what the Feds will do with cap gain inclusion rate a bigger factor?
Read Answer Asked by Brian on January 27, 2022
Q: Peter,

When I do a data dump I see there are some errors on yield in the system. Analytics shows the following yields on Mawer mutual funds.

MAW 104 - 10.56%
150- 12.39%

The following seem reasonable
102- 2.64%
120- 1.87%.

Thanks

Paul
Read Answer Asked by paul on January 25, 2022
Q: I have owned this Mawer fund for quite some time and have been very happy with its performance long term. Can you please explain the large drop in December in a little more detail? I know you said they “paid a distribution” I just don’t know what you mean by this and why it seemingly cost me a chunk of money. Thanks for walking me through this!
Read Answer Asked by Peter on January 13, 2022
Q: Your view on flow-through shares [ eg. ninepoint]

thanks.

ralph
Read Answer Asked by ralph on January 09, 2022
Q: I have had RBF7280 for a long time, since it was a PH&N Fund. Its MER is 1.43 and yield is 3.43. Would XHY be a proxy for it at a higher yield and lower MER?
If not, is there a different ETF that I could replace 7280 with?
Thanks for all you do. I sleep better during the downs now, and even better on up days.
John
Read Answer Asked by John on January 03, 2022
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