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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: In tuesday's globe and mail, Tom Czitron recommeded buying mid term (5-10 year) federal, provincial government, and corporate bonds because they seem to be in the sweet spot between lower risk and higher opportunity, especially if inflation declines and economic growth wanes.
1. Do you agree?
2. Can you recommend names of bonds that fit this bill?
3. please indicate order of buying (best to worse), if any.
thanks
Read Answer Asked by Mary on October 31, 2022
Q: Was reviewing the 5i Income Portfolio and the type of bond funds in portfolio. Then was looking at the dividend payments on the two ETFs, the convertible bond (which is in the portfolio) is double of the laddered bond (which isn't in portfolio). Are convertible bond funds considered a much higher risk over laddered bond fund?
Read Answer Asked by Betty on August 15, 2022
Q: I am currently down on the following stocks and etf's and am considering buying more in order to average down. Are there any of the following that you would not purchase at this time?
Read Answer Asked by James on August 11, 2022
Q: Now past 30 day tax loss period on the above securities previously sold. Was going to buy back to original weights.
1. buy back now
2. average in over next few months with some of these
3. replace some of these with other securities you might like better
Read Answer Asked by Peter on July 29, 2022
Q: Dear 5i team.

Can you help me understand the chart for CBO? Looking at the long term, it seems to be in a downward trend, even over 10 years? I assume this was caused by declining interest rates over the past 10 years? With raising interest rates, at what point does this turn back into a positive trend? Even with the past few months with rates starting to rise, it's been in decline. Is there a lag in closing out old positions and starting new ones with a higher yield? Just trying to understand roughly at what point this starts to look like a good entry point.

Many thanks for your help.
Read Answer Asked by Arthur on May 12, 2022
Q: Peter,

I look at the S & P 500 index as the gold standard for performance measurement. It has been my theory that any portfolio performance should be compared to this index first. Do you agree?

For diversification purposes please list your top 5 indexes & associated ETF codes that you feel would be relevant whenever looking at an equity portfolio. This can be anywhere in the world. { Fixed Income I strictly take a ladder approach.} I would be interested in ones with a lower correlation , if that is realistic. It may not be.

Thank you

Paul
Read Answer Asked by paul on May 11, 2022
Q: Do to a few errors/mistakes in switching brokerages, I ended up removing these from an RRSP and TFSA accounts and left them in limbo in a non- reg account. I am aware of the serious overlap among the RBF266, XDV,CDZ and XIU. (They were in separate accounts at one time). If I should consolidate, what are your thoughts? What stays and what goes? If I were to begin selling and adding stocks, I was thinking BAM.A and ?Twenty year time frame. Have maxed TFSA.
Cheers and thanks,
Paul
Read Answer Asked by Paul on February 07, 2022
Q: It seems certain there will be several interest rate increases this year (and possibly more in 2023). That means fixed income will become more attractive. Please provide your outlook on this change and discuss how various fixed-income types (bonds, mortgages, mortgage-backed securities, consumer financing, etc.) will be affected and what opportunities for individual investors are likely to appear in the fixed-income sector as rates rise over the next 12-18 months.

Thank you,
IslandJohn


Read Answer Asked by John on January 24, 2022
Q: I am trying to understand bond diversification better. I have a long term portfolio of mostly equity exposures and some XBB. Do you generally recommend further diversifying bond holdings? Eg to an inflation protected fund or more global exposure or specific maturity profile (eg shorter maturities)? If so could you recommend ETFs for diversification purposes?

I don’t want to over complicate things but also want diversification to different market scenarios in the spirit of an « all weather » portfolio. In particular real return bonds seem useful for this compared to XBB. I would be grateful for your thoughts. Thank you very much.
Read Answer Asked by Chris on January 11, 2022
Q: Just did a revue of my PORTFOLIO ANALYTICS and have a couple of questions as follows:
Under Fixed Income Defensive I have CBO, VGG & ZDI in my TFSA. Are these okay here or can be added to or any deleted?
Under International Allocations I have VXC, XAW, XEF, VEU & XWD in the TFSA. Are these okay as they are or shoud I be considering some changes?
Best wishes for the New Year and thanks for your great service!
Read Answer Asked by Terry on January 11, 2022
Q: Thanks for your comprehensive answer to my question on fixed income. Just a further clarification. I have often wondered about the usefulness of preferred shares. It seems to me that they are just as vulnerable as stocks, so why have them rather than stocks? I know that you get paid first if the company goes under. But I am not sure that is a big consideration in most cases.

Secondly, i wonder if you might suggest some symbols that correspond to such an arrangement for fixed income.
Thanks for the excellent service
Read Answer Asked by joseph on December 15, 2021
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