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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: Regarding Dawn's question, "A great-grandparent has sent us $5000 for our 13 year old, as a small pre-inheritance gift. We want to using this as an investment learning tool, and currently plan to deposit it in my husband's TFSA (he currently has room in it) and will track it's performance separately."

Your suggestion of the RESP was spot on, but if the RESP is full and she wants to teach him about investing she could open an in trust Waterhouse account. This would save her husbands TFSA room. Teach a lesson and save on taxes. Get documents to show CRA that the money was a gift and the money will be taxed differently in the 13 year olds name.
Read Answer Asked by Terry on January 22, 2019
Q: A great-grandparent has sent us $5000 for our 13 year old, as a small pre-inheritance gift. We want to using this as an investment learning tool, and currently plan to deposit it in my husband's TFSA (he currently has room in it) and will track it's performance separately. We use TD Canada Trust, and thus have access to their WebBroker platform. What would you suggest for a secured investment (GIC or otherwise)? We are looking at a 5 year term, and it can be locked-in.
As always, thanks for all your good info!
Dawn
Read Answer Asked by Dawn on January 21, 2019
Q: https://www.theglobeandmail.com/globe-investor/inside-the-market/one-minute-portfolio-15-years-later/article37709823/

I read this article in the Globe today that appeals to me because of it's simplicity, low cost (few commissions, no MER's) etc and it's relative performance as measured by the author. I know it a very simple approach and mirrors the Buffet "Here's what you should do when I die" with my money. Would be very interested on your take of this and if you think it would be a good idea or not and why. Thanks Sheldon

(A similar article appeared in this weeks Globe)
Read Answer Asked by Sheldon on January 21, 2019
Q: I am retired, DB pension, and mostly hold equities that generate some dividend income as I prefer to be paid to wait. I believe I need more ex-Canada exposure. Other than VDU most of my portfolios are heavily oriented to Canadian equites and only a handful with apparently significant non-Cdn. revenue streams (ENB, HOT.UN, BAM.A. BIP.UN, TRI, SLF and MFC). Do you know of a source or list of Canadian listed equities that 1) have foreign income streams and 2) pay a growing dividend in Canada? How does someone go about finding this information?
Read Answer Asked by William Ross on January 21, 2019
Q: I just noticed from reading the question of a subscriber that you have sold SPB in your portfolio. I have not received any notification with respect to this although in the past I was receiving regularly updates with respect to your portfolio adjustments.
Can you please add me to your list so that I can receive regular updates?
Can you also provide some rationale as to why you sold SPB?
Thanks
Read Answer Asked by Terry on January 18, 2019
Q: Happy New Year to you! I am considering my TFSA strategy. I hold a RRIF which means that I must take out a certain percentage of it every year. Since I don't need the cash, I prefer to transfer some stocks in kind to my TFSA, but I am not clear which stocks make the best candidates to do this. I know that you think growth stocks are best for a TFSA, but I am not clear on what a growth stock is. (What I thought were growth stocks all went down!) Are dividend payers better in a RRIF or TFSA? American stocks? Oil stocks? Precious metals? Consumer discretionary? It seems to me that growth stocks are more volatile. Am I correct in this? Thanks for your advice.
Read Answer Asked by Pat on January 15, 2019
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