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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 Team,

In light of your answers to single stock weighting questions I am wondering if a $30,000 RESP account comprised of 9 to 10 individual stocks would be considered too risky (10-11% weithting/stock). I am fairly comfortable with risk/volatility, but would also want to preserve the funds. They have been recently switched from mutual funds; should I put a portion in ETFs? If yes, what ETFs would you suggest and what percentage.

As always, thanks for the great service.

BK
Read Answer Asked by Bekaye on November 04, 2014
Q: Good morning Peter and staff

Since the the market has gone down quire a lot,, can you recommend 2 growth, divided stocks for a 10 year old RESP Portfolio.
Thanks

Read Answer Asked by Jean on November 01, 2014
Q: I am looking at setting up an educational fund for our 1 year old grandson with an initial
5k investment. Are there any tax implications when an RESP is set up by a grandparent and if so, would an investment account in trust be more appropriate?
Either way, which holdings would you suggest I start with.

Thanks for taking the agony out of some these decisions!
Read Answer Asked by Rose on October 29, 2014
Q: Hi,
I am looking at setting up RESPs for both my children (both under 3 years old) and would like to set up the following asset allocation:
Cdn Equity 30% US Equity 30% Int'l Equity 30% and Fixed Income 10%
At 9 years old I would start converting more into fixed income.
No commissions are paid on ETF purchases.
I am comfortable with an aggressive approach.

I have two questions, if I may:
(1) Do you agree with this asset allocation strategy?
(2) Which ETFs (TSX only) would you recommend for each of these categories if you were buying in the next 3 months.
Thank you
Read Answer Asked by Mike on September 25, 2014
Q: Would you suggest an ETF or mutual fund suitable for a RESP for a child in his mid-teens? (Something that could be held at a bank, perhaps so fees could be low.)
Read Answer Asked by Bruce on August 28, 2014
Q: Good morning Peter and Team,

I am holding some cash in my son's RESP and given the sell off today, I thought this might be a good buying opportunity. I have 3 years before I will need to start accessing the funds. The account current holds: DHX,WSP and BXE. My questions to you are - would you buy today or wait a little longer to see how deep this pull off will be and what stocks or sectors would you reccomend. I was looking at CGX, Teck and Surge energy but I am open to other suggestins. I also like bank stocks but they seem expensive.
Thank you for your comments.
maggie
Read Answer Asked by Maggie on July 10, 2014
Q: Looking for comment regarding following RESP allocation, goal is low volatility with solid income and slight growth, withdrawal starts in two years. Thoughts on allocation change before and after withdrawal starts would be greatly appreciated.

HFR = 5%
XHY = 10%
CLF = 5%
CBO = 10%
CPD = 4%
ZRE = 4%

RBF1018 = 28%
VDU = 12%
CIF = 5%
VGH = 8.5%
CUD = 8.5%

Total RESP approx 85K

Wish Peter a speedy recovery, a successful fund raising, smooth bike ride and thanks for doing it for a good cause.
Read Answer Asked by Steve on July 09, 2014
Q: Hi Peter and staff: Something new for us, our 14year old grandson is interested in starting a TFSA with a limited amount of money ($200.) cdn and a stream of future monies from his after school jobs. We had suggested DHX or Surge Energy but thought this would be an opportunity to let him see how a service like 5I works and can help plan long term
Thanks in advance for any suggestions and he and I await your reply


Read Answer Asked by John on July 02, 2014
Q: Hello Peter, First of all, best wishes for your health and get well soon ( i hope that guy's driver license is suspended). question about holdings in my daughter resp, which has another 4 years of contribution time. A fairly conservative and concentrated set up - consisting of CHB, CDZ, ZWB, CNR, MFC, TRP, ENB each at about equal weighting. I keep on adding to these regularly. wish to get your opinion - Shall I continue in these names or you suggest replacement. I am thinking of switching CHB to XHY and ZWB to XFN as these has performed better relatively. Do we need to keep both ENB and TRP. May be sell one of these and buy another of your top pick.Thanks as always for your opinion.
Read Answer Asked by RUPINDER on June 25, 2014
Q: Hi guys, we are about to open an RESP for our 6 weeks old daughter with 5.5k initial investment. What would be your recommendation for long term investment of 16+ years! thanks and have a great weekend.

Richard
Read Answer Asked by Richard on June 23, 2014
Q: With about a 7 year time frame before my grandchildren may need to start drawing money out of the RESP that I have for them, could you please suggest 4 or 5 stocks that don't necessarily need to "shoot the lights" out in performance but that are relatively safe and will provide an average plus return for this time period. Dividend payers/growers are fine with some added capital gains would be ideal.
Thank you.
Read Answer Asked by Alan on June 22, 2014
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