Investment Q&A

Q: Hello 5i,

I have been retired for 4 years and i am now am about to turn 65. i have a DB pension from my previous employer with a bridge benefit that carries until my 65th birthday in a few months.

I have done some projections on maximizing both income over the course of my retirement. I have determined that in my case it appears that these results are optimized if i defer OAS and CPP until age 70...and i am fortunate that i can afford to do this.

At this point i am in the process of converting a enough of my investments to fixed income products to cover income requirements until age 70 (to avoid short term market volatility and help me sleep better at night). One of the products i am looking at is using laddered USD GICs as they have better returns than CAD GICs at this point. I understand you don't give personal advice but i am wondering if there are other options i should consider? Bonds for example? Other?

Thanks!!

Peter

Q: For a couple in their 70's with a 3 year time horizon, what ETF or ETFs would you suggest as relatively safe investments?

Q: Which REITs, either Canadian and/or US, are suggested for secure dividends and potential appreciation once interest rates settle. I asked this question several days ago but it much have fallen through the cracks. thanks A,

Q: I am currently overweight energy and under in real estate. Which of the above three should I trim or sell completely? It seems ENB is as much utility as Energy and it's rather flat, for me. Love all the Energy dividends. The sole Realty I have is DIR.UN which I'm happy with. Which Canadian REIT's would you suggest and would I be better with a US or European REIT? If so, with one(s)? Many thanks

Q: Thank you for your recommendation. I just want to clarify the ETF that I was referring to is public storage that list in US.

Is there any similar ETF listing on TSX?

Many thanks,

Q: What would be your top 5 U.S. or Canadian REITs today based primarily on both valuation and quality balance sheet.

Q: Public storage and cell tower stocks are down significantly this year. Were they simply over-valued previously? Assuming interest rates will stabilize, do you feel that they may offer above average returns going forward? Your favourites listed on US and Canadian exchanges?

Q: Hold I get your thoughts on the latest quarter and also your thoughts on the company in general and do you think this drop in price is an attractive entry point for a 1-2 year hold Thanks

Q: I would appreciate getting your five recommendation each for US and CAD markets of companies with growing dividends for at least for the last five years with current dividend above 3% that also have growth.

Q: For an income investor, do you recommend these stocks, and what is a good entry point? Is it time to buy or wait? Thank you.

Q: Hi 5i, I currently have preferred shares in 13 different companies. I would like to diversify as they are all in finance, utilities, energy and Telecom. Can you name three companies to put into my RRSP that are US based with preferred shares that are solid. I'm looking for 5y resets or perpetual, thanks.

Q: What are your best 2 picks for the public storage sector US or Canadain and why. Is this a good sector to invest in at this time. Thank you for your analysis.

Q: Good day 5i - I would like to know if it is advisable to pay a fee for an ETF Cash Account if you are frequently depositing and withdrawing funds to use to buy stocks, etc. I realize the funds are more liquid. Also, not having used an ETF previously, do you need to be concerned when the ETF is at a higher price when you purchase it. Thank you.

Q: What are some REITS that aren't in the heavily leveraged area ?

Q: How safe if the PSA? I ask because I know some commentators are talking about a “credit event” perhaps happening sometime in the next few years, and I remember some money market mutual funds having some kind of unexpected difficulty in the past.

Q: Hi 5i, looking for help taming the RIETs part of my portfolio as i own all of the above. Can you help me with selling some REITs (anything I've doubled up on or is not the best choice). I am planning on redistributing the funds to the remaining REITs. As usual your help is appreciated, if you could rank them also that would be great.

Q: I have never owned a REIT but started looking at a couple. In doing so I realized that I really don’t know what to evaluate in a REIT (beyond type of asset - land, commercial, residential, specialty) and things I normally see as red flags may not be here. Can you tell me a few of the most important fundamentals to look at when comparing REITS (negatives to watch out for specifically, and positive indicators). For example my initial concerns were steady increases on common shares outstanding (seems acceptable and typical of all REITS) and what debt levels are acceptable. If you could tag your favourite REITS today I would appreciate. I have only looked at LAND and IIPR so far.

Q: Can you recommend some US stocks with growth and yield?

I have ABBV already.

Thanks
Mark

Q: If you were going to have a USD Income Portfolio, what would your top 10 equities and how would you rank them. How important is annual dividend increases?

Q: Is Real Estate a good investment in an inflationary environment? I have Prologis, Public Storage and American Tower on my watchlist. Can you please rank them and provide any other suggestion you might have.