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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: Retired dividend-income investor with minimal healthcare exposure (2% of equities). If I wanted to increase my health care exposure via an ETF and receive a dividend, which ETF would you chose? Which type of account would you buy them in...RRSP, TFSA or Cash (I'm thinking about income tax implications and USA withholding issues)? In a previous comparison, you indicated you preferred LIFE over HHL, although in another question you preferred XHC overall. I am sitting on roughly 8% cash and currently think I may wait for 2nd Qtr earnings to unfold, or possibly wait until the USA election...I know this is market timing, but I just don't trust where we are at right now. Once Q2 earnings are in, I might invest the $/month over the next 6 months strategy.

So, which ETF would you choose and would you wait for Q2 earnings to be done?

Thanks...Steve
Read Answer Asked by Stephen on July 14, 2020
Q: I am thinking of purchases of these 6 ETFs (or some of them). Would you see ZPAY, FCIQ, and FCUQ as being defensive? And back to the "where should I hold" issue: where would these 6 best be held for tax or other efficiencies: Cash account? RRSP? TFSA? Corporate account? Many thanks.
Read Answer Asked by Leonard on July 13, 2020
Q: Which of these three stocks has the most upside. I am up 127% in real and thinking of selling some and buying well or stc. Should i let real run or but one of the others. This is in a registered account so there is no taxs to worry about.
Read Answer Asked by don on July 13, 2020
Q: On the payment of Dividends. I have a TFSA trading account with a Canadian bank. The information they provide includes the dividend rate and if the dividend is paid monthly, quarterly or annually. All the companies except one in which I hold shares either pay their dividend according to the info provided by the bank and I get a notice from the companies if the dividend will be paid or altered in any way. The one exception apparently has a boardroom meeting once a quarter, decides which of their papers will be paid a dividend that quarter or not. It is hard to tell from their press release if the common shares which I hold will get paid a dividend that quarter or not. In the 4 yrs I have held this company there were 2 years of zero dividends and 2 years of payments every other quarter. I spoke with my banks rep on the matter advising the info they provide on this company is misleading - they do not really pay a quarterly dividend, in fact they just decide quartertly if they want to or not. The bank rep informed me that the onus to do research on the company was on the purchasers of the shares. The company in question is in Greece, which makes it difficult to research, plus if that company had a known history of skipping dividend payments for years, that that should be something material for the bank to include in their Company stock info. Where would you come down on the issue of what is material info to invite potential buyer of dividend paying equities.
Read Answer Asked by Phil on July 13, 2020
Q: The recent fall in the share price appears to be the result of the share issue at 0.40, which is well off the market price prior to the issue. So the market got this wrong? Or am I missing something? While phase iii tests appear to be lengthy the commentary was that at this stage risk is much reduced; and other bioT's entering phase iii tests do not seem to suffer as much; and I see no competitor(s) offering comparable benefits. Becoming more concerned than puzzled.
Read Answer Asked by Mike on July 13, 2020
Q: If you were permitted to trade on both sides, my guess is you trade near 100% in the US.
If my assumption is wrong, over and above already owned US stocks, which ones would you get in Canada ?
And would you buy now or wait ?

Thanks for your help.
Read Answer Asked by Luc on July 13, 2020
Q: Thank you for your answer; between those companies, which one are your favorite for holding in the long run and would it be relatively safe to invest in them ? I only know personally fiera and keyera.
Read Answer Asked by jean on July 13, 2020
Q: How do valuations of AVLR look like in comparison to your other high-growth favorites (e.g., VEEV, DOCU, AYX, TEAM, CRWD, FSLY, TTD)? It is clear that AVLR is expensive, but I wanted to get a feel of where it stands w.r.t to peers. Would you a start a position for a minimum 5-year hold at current prices? Is there a much better company to invest in from the group I mentioned?
Read Answer Asked by Steve on July 13, 2020
Q: Hi, I’m looking for companies with safe and increasing dividends in the 9% and above rates. What are your five picks ? Thanks
Read Answer Asked by jean on July 13, 2020
Q: For RESP investments for my 3 grandchildren (ages 7, 9 and 11), I am pretty sure I'd like to choose XIT, partly because it's Canadian and I recognize the names of the top 10 holdings. I would like to be fairly aggressive. But I also would. like to complement XIT with another ETF without being overweight in (any?) energy or financials. In fact, probably no energy and underweight financials. Something fairly balanced without technology, but still growth tilted. I'd like it to be TSX traded in Canadian dollars, but it does not have to hold all Canadian stocks. Another option would be to complement XIT with one or two individual companies but not sure I could get the diversification that way. Would like to keep it simple, if possible. Is there a Canadian equivalent to IWO or an equivalent that trades in Canada in Canadian dollars? Or would that type of ETF already be overweight technology, minimizing diversification? In short, diversified with a growth tilt and in Canadian dollars but not too much technology overlap with XIT. Thanks for your help on this. Much appreciated.
Read Answer Asked by Gordon on July 13, 2020
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