Investment Q&A

Q: Hi Peter and Team,
If a person was opening a TFSA with $5000, future additions of $200 biweekly and had no other holdings, what would be your recomendation. Low fee mutual funds, ETF's?? Canada only or something with international exposure? Thanks

Q: Good day Peter, Ryan and gang. I have a friend who may be joining 5i quite soon, who has just come into her inheritance and she is going to start with her first TFSA. She will probably want to buy slowly as she learns. I offered to suggest a bit to get her started on her journey. She is 60 and a newbie to any type of investing. I am thinking of growth with a bit of dividend (or visa versa or both) Canadian ETF(s). And maybe a few stable good dividend stocks to start learning about. She plans to hold and let them grow (hopefully) while she learns. I much appreciate your help with this. Thank you as always. You are the best and I boast about you a lot.

Q: Hi Peter and team. I have opened a $35,000 TFSA for my daughter and would like your recommendations for 4 to 5 names for income and growth.
Thank you,
Nick

Q: Hi 5i team,

I am looking to invest 20K in my girlfriend’s newly opened TFSA. This would be her only investments at this time. I’d like to purchase some securities where the dividend would be above 3% and still have potential for some growth. For now some medium to low risk names for a 2-5 year hold (maybe longer if the money is not needed).
How many securities would you suggest I purchase to be somewhat diversified?
Which ones should I start with and the weight you would recommend?
Or would you recommend to have equal weighing on the suggested names?

Thanks again for the great service you guys provide.

Q: Hi Peter,

Saturday's Seminar was very educational. I've learnt a lot.

How would you advise a young person to invest in his TFSA with only $10000? How should one diversify?

Thank you as always.

Connie

Q: Good morning. I would like some help with my TFSA. At present I have CIX (+5%), FTT (-15%), and VET (-26%) and cash. Total value is 30K with 12500 in cash.
After reading through your TFSA questions I am tempted to sell all holdings and buy new holdings. (ie time to let the losers go and place money into your recomended stocks with good growth potential)
I am 53 year old with a non registered acct holding blue chips and your model portfolio.
Your help is greatly appreciated.

Q: With your help my TSFA has grown from a hobby to something a little more serious . Thankyou. I have had ESL and DH for a year and a half, DSG for 2 yrs.GIB.A for 5 mo. Also in TFSA
are MFC TD CXI WCP. The 4 tech stocks now make 55 percent
of this. Every time I think of trimming back (probably ESL )
they keep going up. What do you think ? If I sold anything I
don"t know what I would buy anyway. Have XTC ZUH ZLB and BIN
in my RRSP.
Thanks again for your time .Without your help I probably
wouldn,t worry about this stock market business.

Larry

Q: tfsa I have approx $12,000 to be put to work- right now I have some rsi 1,100 shares and 35 ffh. A couple of suggestions would be appreciated. I am 60 years of age and in no need of the money.

Q: Hi - we're about to add a second child to our family RESP, and have the following etf holdings:

ZDI (21%)
ZPR (21%)
ZWH (25%)
XEI (33%)

Any advice on this mix, and the weightings before making my 2015 contributions?

Many thanks.

Q: Hi Peter and Team
I am 64 years old,retired for 8 years have comfortable company pension, dept free,own my own home, and have 500 k split between RSP and investment self directed accounts in North American equities. My tsfa needs some help. Can you recommend what stocks to sell and and new stocks to buy and weightings of each stock. Current value of tsfa is 66k. Current stocks held and weightings are as follows. PPG us.25%, IPL cad 20% , LNR 13%, WTE 13%, tog 13%, DH 7%, OTC 6% AGU 5%,MRE 4% XTC 3%, WEQ 1%.
Have been a member for 2 weeks and have found your site very helpful.
Thanks
Marc

Q: IF The only investing account you have is a TSFA, do you recommend that they still try invest in stocks across the 10 sectors or certain sectors for a TFSA? In the TFSA currently do have some energy,health,industrial and material stocks. I am wondering if Telus and CXI would be good addition to the TFSA or better to go with a technology stock? If a technology stock which one would you recommend?

Thanks
Dolores

Q: Hello Peter & Co,
I'm 72 years old and view the TFSA as a regular savings account. About half is invested in short-term notes that are cashable at the snap of the fingers; as for the other half, I'm seeking to invest in slow and steady companies (some growth/some yield) in a business with some kind of a "moat" around it. Could you give me a few names that fit the bill? Would KBRO Linen & Morneau Sheppell fit into that category?
Thanks
Antoine

Q: Regarding the question on retirement planning software,

I use RRIFMETIC (http://www.fimetrics.com/)to plan my annual
income and taxes from pension , RRIF, LIF TFSA, Taxable investments.

Q: Can you recommend a U.S. divided paying stock(s) for my TFSA account
Thanks

Q: Hi - I'm just starting to invest actively at age 45 with a 15 yr timeline. I have 25k cash in a self directed rrsp and 8k cash in a tfsa. I want to keep long term growth in the rrsp (I can tolerate volatility) and make riskier investments in my tfsa. I'm looking at flyht (fly.v) and CMH for starters in my tfsa and wondering what you think and if you have any other suggestions. For my rrsp, I'm going to take positions in the model portfolio but so many of the stocks have had quite a run up and have high PE's; should I take my time and wait for a pullback? Thanks for your time. Our total portfolio is the 25+8k I mentioned in my question, but I am contributing 30k per year now and intend to increase that over the next 15 years.

Q: Hi Peter & Team:
Thank you for your excellent service.
My TFSA account has $16K cash now.
I am holding: DHX, HCG,MG,PRW,QST, BDI,SJ
which section should I enter at this moment? My goal is growth with dividend. Not too risky.
I am 49 and long term holding investor.
Thank you
Adriana

Q: Good Afternoon,
I will be making my annual RRSP contribution in the next week or so and based on your research and all the Q & A here I have narrowed it down to 2 stocks, CXI or DHX.b. I was leaning toward CXI but it has taken a huge run in the last week or so now not so sure. This is for the very long term, which one of the two do you feel has the most upside. Thank-you

Q: Hi Peter! My 21 year old has 10k in his TFSA and is looking to invest the proceeds with a 3-5 year time horizon. He's looking for growth and would like to put 1k in 10 different names. Could you include your thoughts on 10-12 names for inclusion. Ian

M

Q: I'm going to be 70 yrs old this year and promised myself to get more conservative by switching out of stocks and going to efts, We have no debt and our pensions cover our living expenses. Our portfolio is 60% tfsa and 40% taxable account no rrsps all cashed out. We will be using some of our money each year at least 5-10% for trips and or home maintenance. Presently have 40% of tfsa split between bmo zlb & zlu low volatility but not sure if this the right way to go. I'm looking at going vanguard worldwide wide broad based except Canada then Canada but at what percent would be best and what etf for tfsa and taxable regular investing acct. Do not want any fixed income etfs because we always seem to have enough cash on hand for emergency. Mainly want to be well diversified.
thanks

Q: Hello Peter & Co.
I hold in my TFSA DHX Media, Evertz Technologies and Prometic Life Sciences. I would like to add 3 more in what I would call the "knowledge-based" industry. I already own in my RRIF:
Health/Pharma: CCT,CPH,CXR,GUD,RX and VRX
Tech: CGI,CSU,DSG,ESL,MDA and OTC
Thanks, as always
Antoine