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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 questions on SIS and other companies that announce earnings release dates. Some announcements are made before the market opens while others are after market close. Do you think there is a tendency to announce after market close if results aren't stellar and to force share holders to sleep on it rather than announcing before market open and having a knee jerk panic sell off? Although some may worry until market opens in the morning and selling could be just as bad. Have you ever pondered release time frame versus good/bad results?

Thanks
Dave
Read Answer Asked by Dave on May 09, 2018
Q: Hi 5i,

This is a general question but I listed Tesla as an example. I am curious about the influence of shorts on a company's stock movement. I have a friend who says that the price of, say Tesla, is held back by a large number of outstanding short positions. And, ... if the shorts start to be removed, Tesla stock will take off. My own belief is that there are many significant factors on what a stock moves up or down, and I would say, shorts play only a minor role in the price movement. So my question, how significant are the short positions in price movement ?
Read Answer Asked by Jim on May 09, 2018
Q: Hello 5i,
Not a question, but a response to the question around Estate Planning. I am not a financial planner or tax expert so my suggestions need to be read in that context.
Firstly, for the grandchildren: would RESP's, TFSA's, RRSP's etc, be a viable option to help provide for them on an on-going basis starting now? This would also allow you to craft their portfolios as you wish.
Secondly, as they get older you could provide them with a small non-registered account and work with them on it - some grandchildren (or their parents) might show some interest, some not.
Another consideration would be to name each of your children/grandchildren and other beneficiaries as direct beneficiaries on each of your accounts so that the holdings (or funds) would transfer directly to them upon your passing. Percentages could, I think, be arranged so as to look after a spouse or other loved one on a priority basis. This part I am not clear on. Again, I am not any kind of specialist and know very little (ask my wife & kids, they'll back me up on this).
The direct division of an estate via the beneficiary route will help reduce Probate fees - and in B.C., this is a huge tax as compared to other jurisdictions.
My guess is that this kind of question will become more pressing as we 'Boomers' reach our "Best Before" dates and start to seriously consider Estate Planning and wonder how to best provide for our families, loved ones, favourite charities, etc. while trying to minimize the inevitable tax hit.
Sorry for the length of this post but it is just a collection of random thoughts as I thought about the question.
All the best,
Cheers,
Mike
Read Answer Asked by Mike on May 07, 2018
Q: In my will ½ of the assets are to be shared between my grandchildren until the age of 25. There current age range is 2 year to 15 and new grandchildren are still potentially on the horizon. I would like to be able to direct the executor to invest in funds in your balanced portfolio transitioning to the income portfolio in the final 7/10 yrs. However your continued service is not guaranteed.
The prudent route for executors is to safeguard principle and stick to GIc’s. However for grandchildren that have a 10/15 or 20 time year horizon Gic’s seem to be a worst option compared to a well-balanced equity/bond portfolio.
I know this is outside of the scope of your service but I don’t know where to go and hope that you can give me some directional advice in this regard.
Thanks
John
Read Answer Asked by John on May 04, 2018
Q: that is great news that you are working on an update where we can have a watchlist with up to the minute news on the stocks in our portfolios.
what the globe and mail did to its watchlist is beyond
understanding, their new watchlist has real time quotes but the news on the stocks you own is days old , nothing immediate and generally nothing at all and i pay to get the globe.dave
Read Answer Asked by david on May 04, 2018
Q: In response to Victor, here is a suggestion for a free app I use to monitor equities in real-time on my Android phone. The app is called Webull and is available on Play Store.
Some advantages are as follows: Easy to set up. You can have as many portfolios as you want, for example, with names such as Indexes, Core, Fin, O&G, Small Cap, Bonds, etc. You can have an equity in as many portfolios as you want, for example, TD in Core and Fin. Convenient to track equities you own plus others you want to follow. Easy to add and delete an equity. Each portfolio displays the equities with their current price, % change or the absolute price change in a convenient visual colour code (green, red, light gray). Tap on an equity and you can see a graph which you can set to a default time limit, for example, 1m, 3m, 1yr, 5yr, max. Dividends & past earnings dates are displayed on the 1m, 3m, and 1yr graphs.
You can quickly check on the market action of your equities anytime whether at home, at work or anywhere else you happen to be.
It does not track the monetary values of equities like a spreadsheet can do.
Share with your 5i audience as you wish.

Read Answer Asked by James on May 04, 2018
Q: Just a quick comment on Victor’s frustration with Globe Investor’s watchlist. I agree that the re-design is clumsy and not user-friendly at all. You can delete stocks though. Go to far right and you will see 3 little bullets. Left click on the bullets and you will see a new menu. Highlighted in red is Delete from Watchlist.

I actually don’t use Globe Investor watchlist that much. Sometimes in the evening for a leisurely look. My main watchlist is from my bank brokerage (TD Dashboard). I would assume all brokerages have something similar. It is live data and I probably have 300 stocks on my watchlist or lists. I set up about 10 lists by sector which gives you a much better reading on the ebb and flow of the markets and sectors during the day.

dave
Read Answer Asked by Dave on May 03, 2018
Q: Hello team,

A quick question regarding tax losses: I sell a stock at a gain and then buy the same stock say the next day. At the end of the year, I pay taxes on the gain. Then I sell the same stock in the next year at a loss. Can I claim a tax loss on the stock? I am not sure if there would be a problem with the 30 day rule in this case, right?

Thanks a lot for your assistance!
Read Answer Asked by Saeed on May 02, 2018
Q: Hi Folks,
Further to the question I asked about Bank Bail-Ins, could you explain this a bit further: "The best defense is to have a cash account only, where securities are segregated"?
Does this mean an "investment account" where we only have cash or perhaps GICs, T-Bills, etc? In other words, no equities? I'm not sure what you meant by that.

thanks again,

Paul
Read Answer Asked by Paul on May 02, 2018
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