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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 there,
Can you please provide your top two picks for someone wanting US exposure in the following areas? Ideally something either oversold or poised to capitalize on circumstances in coming years.

Financial
General healthcare
Bio/pharma
Consumer discretionary
Technology (large cap)
Technology (mid cap)
Miscellaneous (whatever you want)

Goal is growth blended with safety over the next 5+ years
Take whatever credits you need please to justify a thorough answer with a brief comment on each suggestion.
Read Answer Asked by Tim on January 09, 2019
Q: I am mid 60's retired for 10 years and living off our diminishing nest egg. We each about $20k of room in our TFSA's and my question is. Should we transfer $40k out of an RRSP into our TFSA's at this time. We will need the funds to live on over the next year so given we will have to pay the tax anyway and markets are low at this time when a recovery takes place we may save the tax on any capital gains. sage advice please.
Bob
Read Answer Asked by Robert on January 07, 2019
Q: Hello Team. It seems the level of negative sentiment in the sector has not diminished since Dec although it has only been two days. Every day there is some new big issue to fret about like Apple today and U.S. growth yesterday. Does the VIX adequately reflect this negative sentiment? Are we still waiting for the "spike"? Would your advice be that, rather than try to adjust equity holdings to conditions, just sit tight and wait it out ?
Clarence
Read Answer Asked by Clarence on January 04, 2019
Q: Kind people of 5i - the other day someone wrote in a question "I can move stocks in kind from my rrsp to my tfsa..." Startled I was. Is this correct and can one not yet using or not yet maximizing their tfsa simply transfer shares in kind from their rrsp to either a new or an existing but not maxed out tfsa and thereafter use the resulting monies withdrawn from their tfsa without tax. Or am I misunderstanding something such as the transfer from the rrsp to tfsa would still have a 30% holdback and the need to declare the share value at date of transfer as income in the year of transfer. A clear understanding of this issue is what I'm seeking with thanks.
Read Answer Asked by Ken on January 04, 2019
Q: I am new to trading and managing my own portfolio. I have been investing for a few years now , but had everything managed by a broker. I decided i wanted to manage my own portfolio due to management fees and what i felt were average returns at best over the past few years. Is there a trading platform or two that you could recommend ? I read the reviews on Questrade and BMO Investor Line and both had really poor reviews .
Read Answer Asked by Lawrence on January 02, 2019
Q: I am in the process of trying to compare my historical investment performance to that of the indexes (total return statistics, including dividends). I am finding it difficult to obtain statistical data (not charts) of the total return performance for various indexes. Can you suggest a reliable source please.

Thank you again for all of your excellent advice over 2018! Best wishes for a very Happy New Year!
Read Answer Asked by Dale on January 02, 2019
Q: It feels like the end of 2018 was simply a perfect storm of conditions suited to create an impressive (and painful) but not overly unusual pull back on the TSX. Yet there is talk of recession and looming bear markets (I suppose there always is).

What's your take on this? Would you be buying the many apparent opportunities (like mx, cnr, ctc.a) or would you be cautious still?
Read Answer Asked by Gordon on January 02, 2019
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