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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: Hello and thank you for your exceptional service. I am retired and dividends and other distributions are a necessary part of my income. In an environment such as we currently live in without inflation and with historically low interest rates. Aren't REITs a valid alternative to bonds and GICs? I own 15% in GICs, no bonds and I'm currently overweight at 9% in Real estate and wonder if my strategy is correct in your opinion. Should I remove some REITs exposure, which would you trim first and in what order from the list above. Where would you put the money instead? Thank you.
Read Answer Asked by Yves on July 04, 2019
Q: Will not be available to watch July 9th Webinar live. Can we watch recording at another time?
Read Answer Asked by Hanna on July 04, 2019
Q: Thank you for the wonderful service you are providing the DIY investors.
My question: I would like to simplify a mid- 6 figure RRSP portfolio primarily into VT etf + BNDW (70%-30%) for broad diversification, simplicity, ease of rebalancing, and favourable foreign withholding tax treatment in RRSP. Got 16 years before converting to RRIF. I'm comfortable with VT. However, I have read that Canadians should only buy foreign bonds if they are currency hedged to CAN $ otherwise, there'll be too much volatility. Do I need to worry about this? I ask because unless have to, I want to avoid buying a broad Canadian aggregate bond etf (e.g ZAG) instead of BNDW --- because I don't want to lose global bond diversification, and I don't want to have to convert to US $ for rebalancing purposes. Thank you.
Read Answer Asked by BABAK on July 04, 2019
Q: Good morning Peter, Ryan, and Team,
Will the July 9th Webinar be available to view for those who will be away on that day?
Thanks!
Read Answer Asked by Jerry on July 04, 2019
Q: Peter, do you think the Bank Rate will change on July 10th? Do you know what the consensus is?
Read Answer Asked by stephen on July 04, 2019
Q: I hold WSP positions in both my balanced portfolio and also in income portfolio. Both portfolios are "balanced" and diversified. In total, WSP is more than 7% when the two are added up for what is in the two portfolios, although less than 7% in the individual two portfolios. My question is this okay as it is or is there a percentage cap for WSP that I should apply for both portfolios?.....Tom
Read Answer Asked by Tom on July 04, 2019
Q: Looking to start a Cdn dividend paying portfolio to provide balanced income for retirement. Have maxed out TFSA and RRSPs. Goal is to have $200k in place three years from now.
What would you recommend?
Thanks for the great service.
Read Answer Asked by Gregory on July 04, 2019
Q: Last winter I sold ZPR and replaced it with MFT in my RSP. This seemed like a good move, but recently MFT has slid below my purchase price. It has a great distribution, but with rates more likely to go down than up (?), do you think that MFT will continue to go lower and is there a chance that the distribution will be reduced?
Would you sell or hang on?

Thank-you
Read Answer Asked by grant on July 04, 2019
Q: Hi Peter and Ryan,
Thank you for providing information on LSPD. I bought half position at around $30. I have been thinking of adding the other half. But LSPD had a good run and kept going higher. Since it has been out there for only a short period of time, I am not sure I should add the other half right now. I would like to get your opinion on it.
Thank you.
Read Answer Asked by Yiwen on July 04, 2019
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