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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: I started my children's RESP in 1999 and at first I had the funds 100% invested in a Canadian Dividend Mutual Fund When I found 5i, I started to invest the funds solely in equities. Three years ago, my oldest started University and the RESP value was $210,000. In May before the start of the University year, I sell $25,000 of stocks to cover the cost of one year. My oldest daughter is going into 4th year and my other daughter is going into 2nd year. To date I have cashed out $150,000 of stocks and as I kept my balance in equities throughout I have a remaining balance of $107,000 with two more years of undergraduate to pay for. Over the past 19 years, the stock market has mostly gone up and down (2001, 2008, 2011). I am positive if 5i was around in 1999, the RESP would have been much higher than $210,000.
Stephen
Read Answer Asked by stephen on June 11, 2018
Q: I have a full position in BIP my RIF portfolio. The stock it has come off it's 52 week high by $8.00 & paying almost a 5% yeild. I'm thinking off adding to a TSFA for a longer term hold any thoughts if this would be a good entry point in the TSFA, I'm not sure why the market has the stock in a downward trend do you have any issues or concerns with BIP that I could be missing.
Read Answer Asked by Thomas on June 11, 2018
Q: 5-I,
What is the most time efficient way of keeping track of dividend cuts made by individual stocks or ETFs? I have set up alerts of dividends paid from the brokerage but am looking for a more efficient manner. I see your listing of dividend increases in Moneysaver which I find very good . It is the cuts that I most want to keep track of.

Thank you,

Paul
Read Answer Asked by paul on June 11, 2018
Q: Hi,
Could you get your crystal ball out to help with this decision. I bought facebook on the dip at $159. Now its bouncing around $190. For a two month return thats pretty great. Do you think its a good value "forever" type stock because of their user numbers? Or do you think its looking like a good time to move that money into something else offering greater upside? Im not into chasing gains and moving money around alot, I prefer value investing. However, since its hovering around its highest high is it likely to slow down to maybe just a few percent growth per year? Its growth has been very consistent since the end of 2012, but if that was to slow down and not offer a dividend it would lose some attractiveness for sure. Any thoughts on this would be appreciated.

Thanks
Read Answer Asked by david on June 11, 2018
Q: 5-I,
I am looking to create some guidelines for investing in an RESP. Specifically what % of equities you would consider for a child, assuming a 4 year university program. It is my opinion to look at 100% equities up to a certain age. Assume for this example the student begins post secondary at age 18.

1) At what age do you think it is reasonable to start reducing exposure to equities?
2) What percentage of equities is reasonable for the period the youth is 15-18?
3) Assuming the payments will be paid out over a four year period do you think it makes any sense to have any equity exposure during the post secondary years?

Thank you,

Paul
Read Answer Asked by paul on June 11, 2018
Q: Hi there, I watched an interview this evening with David Rosenberg who was predicting a recession in 2019. My first question is what is your thoughts on this and do you agree with his perspective and second - while I know you are not in favour of timing the market, how would you approach/adjust your portfolio if you believe we were heading into a recession? For a person no fixed income portion, would you stay 100% invested in equities or move into a partial cash position - if so, how much cash? This bull market seems like its in extended innings, however the economy seems to be doing well overall and earnings seem strong. What do you think the best approach for ones portfolio heading into the 2019 or 2020?

Thanks!
Read Answer Asked by Michael on June 11, 2018
Q: In what order would you rate the following U.S. equities
I am considering adding to a well-diversified portfolio?
IHI IWO XLK XLF KRE VISA
Thank you.
Read Answer Asked by Harold on June 11, 2018
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