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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,

I am a real estate investor and I have been for the last 15 years. Real estate is my passion and I enjoy it very much. I am trying to balance this with investing in the stock market. I enjoy researching companies, but I don't want stocks to take up the majority of my team. Is it best to construct a portfolio of high quality, low expense ETFs and add to it monthly or quarterly? Or is it better to follow a model portfolio like 5i or invests in particular companies. Less risk of picking a wrong stock in the ETF approach, but potentially also less reward. Real estae is still going to be my focus and I plan to use the real estate to fund my retirement.

Thanks for your help,
Jason
Read Answer Asked by Jason on October 05, 2017
Q: I am trying to clean up my husband's portfolio but am missing some ACB data. Specifically, when I checked his 2000 investment statement, he had Janus Global Equity Fund, but now he doesn't have this holding. However, he has a Mackenzie fund (MFC1055) that he didn't remember buying. I am thinking there was a fund merger at some point. Where can I find information about historical fund mergers?
Read Answer Asked by M on October 04, 2017
Q: I am a relatively new investor and want to understand how the tax loss function works. I have a few questions.

What is the standard taxation rate for capital gains?

How is the tax loss calculated? Is it based on the average cost of purchases or the last purchase or some other formula

I am assuming that you can buy back any stock that you have sold for a tax loss after 30 days. Am I right?

I look forward to your answers
Read Answer Asked by Bob on October 04, 2017
Q: Inflation is low and BOC rates are still at very low rates - money is cheap to get. IMHO the only place to make money is in the stock market, but seniors want low risk and for many decades placed money in high yielding low risk investments - GICs. Recently I applied for and received a 5 year closed mortgage at 2.49%, which means rates will stay low for at least five years. Our population is aging and that segment of investors like low risk, which leads to lower returns.

My question, when do you think or believe interest rates will rise to a new normal and therefore the stock market will see a competition for money from seniors? Therefore, by default lower returns in the stock market.

As always thanks for your comments.

Clayton
Read Answer Asked by Clayton on October 03, 2017
Q: MGM:NYSE, owner of the Mandalay Bay hotel, where last night's massacre took place, is slated to open down 5% this morning. At the risk of sounding insensitive, in your experience, are these declines knee jerk reactions that can rebound quickly? Would this be a buying opportunity to add to my existing position?
My condolences to all victims and their families.
Thank you,
Karim
Read Answer Asked by Karim on October 02, 2017
Q: I recently read a recommendation to sell rate reset preferreds because "the 5 year GOC has moved too far too fast from 0.40% one year ago to 1.80%+ now." They further worried that upside is limited from here, and downside is huge if there are no buyers.

I thought that we seemed to be in a period of rising rates and that a laddered portfolio of rate reset preferreds was a healthy option for part of one's portfolio, given a desire for some income. I'd appreciate your thoughts. Thanks in advance.
Read Answer Asked by Bill on October 02, 2017
Q: I am reviewing my non-registered portfolio for cleanup and cash deployment. I have 29% in a global equity fund and 29% in cash; the rest are contained in 26 equities, for which this question is the focus. Diversification and risk not a concern.

I am looking for your advice as to whether I should sell, maintain, top up, or trim the following end member stocks in my portfolio:
ECN 0.2%
EFN 0.5%
ESV 0.03%
XTC 0.7%
HCG 0.9%
XEG 0.9%
LUC 0.4%
ASIX 0.1%
JAZZ 0.9%
HON 5.8%
MSFT 4.7%
SHOP 3.6%

With the equity fund as an anchor, a typical full position for me would be 2.5 - 3%. To deploy the cash, could you provide me with a list of 5 stocks (excluding SIS, ZCL, GSY, or KXS) you would buy today for growth and/or dividend growth. Based on this I will buy and top up the remainder of my portfolio.

Thanks for your help - deduct as many questions as necessary.
Read Answer Asked by Dale on September 29, 2017
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