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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: just to clarify the question from Allan re CSU.db
I have owned since day 1 and there has always been a misunderstanding on how the interest rate each march is calculated.
It is NOT 6.5 plus the rate of inflation but rather 6.5 plus the rate of CHANGE in the inflation number at the end of the year. IF the rate is neg then it would be 6.5 minus rate of change. Never to go below zero ( as per csu. lol)
So if the rate of inflation is 2% greater then the yr before and is 3.8 % then it is 6.5+ 2
NOT 6.5 plus 3.8

Read Answer Asked by Leon on January 22, 2018
Q: Hi 5I, in view of future interest rate increases I am looking for investment with some income and protecting my capital. I would like your help in assessing the above, Also, please rate them, perhaps suggesting better ones. Many thanks , J.A.P Burlington, on.
Read Answer Asked by Joseph on January 22, 2018
Q: Regarding my question on whether I could use realized capital gains from my TFSA stocks to purchase 2018 TFSA contributions, I realize that the limit for 2018 is $5,500. It was not my intention to exceed the llimit. If I realize capitalize gains in my TFSA can I not use the cash to buy anything I want, (for example a new TV)? Why then can I not use this cash to contribute to my 2018 TFSA to the maximum of $5,500? I did try to find an answer to such a questions in the CRA website and other websites but nothing answered this type of question. Thanks again.
Read Answer Asked by Cheryl on January 22, 2018
Q: I am seriously considering adding 5000 NLN and 4000 PHO to my TFSA for growth opportunity over the next 1 to 2 years. Are the fundamentals sound for both these 2 companies and would you generally be OK with this choice. Do you have any better ideas of how to invest $10,000 in my TFSA with growth being my main objective???
Read Answer Asked by Bob on January 22, 2018
Q: I am currently using 1 year term GIC's for my fixed income portion of my portfolio. I don't need income and looking to maximize my long term total return (i.e. 10 years or more) with low volatility and relatively low risk of loss compared to equities. Can you please provide me with a few alternatives? I am thinking ETF's might be the way to go but I am open to your suggestions. Thanks for your wisdom.
Read Answer Asked by Rino on January 22, 2018
Q: Could I get your thoughts in the index funds series A available through RBC?
Read Answer Asked by Matthew on January 22, 2018
Q: In answer to my question concerning various choices for US ETFs, you misquoted one.
I had included VTI as one of my pics. Your answer incorrectly listed it as VGI which is a closed-end management company. Symbols can be very confusing. Regards.
Read Answer Asked by Robert on January 22, 2018
Q: As small investors, we are constantly urged (John DeGoey even pleads) that we diversify out of Canada via ETF/mutual funds but far less is said about the tax implications on investment return of the recommendations. Let's say one wants to invest new funds in mutual/ETF funds that are tax efficient. Because of contribution limit rules on TFSA/RSP/RIF, someone wants to add to their regular Canadian trading account instead. I understand at least one fund co. uses swaps so you postpone tax until you sell thereby avoiding annual dividend and unpredictable capital distributions. At least you then have some control over tax exposure timing and amount. Realize this not the forum for comprehensive answer (designing such a portfolio good topic for one of your newsletters), but can you advise of of some high quality fund managers/funds that offer tax advantaged products? Thank you.
Read Answer Asked by Robert on January 22, 2018
Q: I presently have $150,000 in MMF19. It has a MER of 1.5% and has yielded about 3.5 % annually over the past two years. PMIF has a MER of 0.75 and the indicated yield is 4.6% while PM0205 has a MER of 0.75 and a yield of 3.94 %. Would you sell MMF19 and buy one of the PMICO funds as a replacement? Would you have an even better suggestion?
I'm 85 years old with no need for income but I want to reduce risk by holding some bonds.
Read Answer Asked by George on January 22, 2018
Q: i currently hold hr.un and drg.un in my portfolio for a total reit exposure of 12%, split almost evenly between the two. I am thinking of reducing the above two and adding bpy.un for a total of three reits totalling 12% of my portfolio. Would i gain much more global exposure than what i currently have and would it increase my exposure negatively.

Thanks, David
Read Answer Asked by david on January 22, 2018
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