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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: Good Morning
I was considering transferring a stock holding from an investment account to my TFSA. There is no tax implication.

In your opinion, regardless of what equity you may buy or transfer into your TFSA and discounting the tax implication of transferring a security from an RRSP, would it not be better overall to add new money to a TFSA? Just thinking I would be better off overall to build my total investments in the market rather than switching my holdings around?
Thank you
Publish at your discretion
Read Answer Asked by Marty on January 07, 2019
Q: Happy New Year.
I allocated 20% of my US holdings for high yield investments but want to avoid the tax implications of CEF/MLPs. Is there an ETF that you could recommend that covers this part of the market that eliminates the tax implications?
Read Answer Asked by kelly on January 07, 2019
Q: Dear Peter et al:
Happy New Year to all of you.

I have executed my New Year resolution!
No, not my new fancy diet or paying for a fancy gym membership!
Contributed 12 k (6k each for wife and I) towards TFSA for 2019!
The question is how and when should I buy safe, steady growth Canadian stocks with dividends.
Anything that you feel fits these criteria?
Just 2 stocks would be fine.
Read Answer Asked by Savalai on January 07, 2019
Q: Are gic's inside brokerage accounts at banks protected from the "bail in " legislation or are they fair game just like regular deposits.
Read Answer Asked by lynn on January 07, 2019
Q: What is your latest view on the performance of this etf. So far it appears to me that it has handled the latest downturn quite effectively when compared to the return of the tsx. I have been thinking of using this etf for the income portion of my portfolio. Would that be a good idea or would I be better off using bond etfs for the income portion? Tnx for the help.
Read Answer Asked by Jacques on January 07, 2019
Q: My portfolio closely resembles your Balanced Equity model. Last year in January I rebalanced to match, reasonably, the allocations of that model at that rime. Is that a good idea now? Are you planning a rebalance soon?
Read Answer Asked by Fred on January 07, 2019
Q: This title covers oil transport/storage infrastructure
thus not affected by WTI acc to promoters since its revenue is from transporting fuel. Dividends 8-10%. Despite transporting/storing only it suffers greatly from WTI price fluctuation. Half of 27% loss is recovered from dividends, any insight in this MLPA structure??
Art
Read Answer Asked by Arthur on January 07, 2019
Q: Hi Guys
I noticed on previous post about Altius, you mentioned the balance sheet was fairly levered, were you referring to Total Assets/ shareholder equity ?
Sept 2018 quarter shows it at 609/414 for 1.47 which seems quite reasonable, not a lot of goodwill either, If you could point out what i'm missing that would be great.
Gord
Read Answer Asked by Gordon on January 07, 2019
Q: I have a question regarding capital gain taxes that hopefully you can answer. Let’s say that in 2018 I sold shares of two separate companies, one resulting in a capital gain and the other in a capital loss (in a non-registered account of course). Does Revenue Canada oblige me to first use the loss to offset gains from the same year? I ask because I am retired and not yet drawing any pension or RRIF income. My non-registered investment income including the capital gain in 2018 is below the basic personal deduction, so I should effectively pay no income tax whether I claim the loss or not. I would like to carry the capital loss forward to use it in a future year when I will have a higher taxable income, rather than apply it against my 2018 capital gain which will not save me anything in taxes.
Read Answer Asked by Steven on January 07, 2019
Q: Hello,
i have little exposure to financials in my TFSA. What would be your top 3 ideas in order of preference at this time I could consider? I plan to own for the next 10 to 15 years if possible.
I was looking at GS and FSZ given the yield and they are trading near their lows. I guess the sub-sector they operate in makes me a bit cautious.
I own full positions of BNS and SLF in my RRSP.
Thanks,
Dan
Read Answer Asked by Daniel on January 07, 2019
Q: 'Liquid Alternatives' seem to be gaining some hype these days. Could you explain what these might be and if they are good investment strategy? Some examples perhaps?

Thanks for all your support.
Read Answer Asked by Mark on January 07, 2019
Q: Regarding your answer to Paul's question on Jan. 04 on stop loss orders.
Ref.: "From what I recall one of the reasons 5i Research does not like to put stop losses in place is to avoid being stopped out in "flash crash" events...." You stated: "Stop limits are better" Did you mean trailing stops? Please clarify, and why you prefer these. Thank you.
Read Answer Asked by Helen on January 07, 2019
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