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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've got excess cash in my RRSP, waiting to be deployed in the event of a downturn. I'm thinking of converting some of it to bonds while I wait, so as to earn a bit more than a high interest savings account can offer. I was wondering if you could recommend a few ETFs for that purpose. The ideal bond ETFs would be safe, rapidly deployable to cash, with a decent yield and likely to become more attractive investments themselves in the event of a downturn. Thanks for any suggestions. If you could add a short note about what would be the main risk to those ETFs, I'd appreciate it.
Read Answer Asked by Brian on December 08, 2017
Q: Peter; Re Tamara,s question on Bitcoin today. I think you should cross reference the question under “bitcoin” as it is the best and most comprehensive explanation of it I have read. I can now pass it on to my grandchildren who might need to know exactly what it is.
Rod
Read Answer Asked by Rodney on December 08, 2017
Q: I have owned RNW for a couple of years now, primarily for income from its healthy dividend. Also own AQN, FTS, NPI and BEP.UN in the utilities sector. I'm still ahead on RNW by about 18% despite the recent price drop, but wonder if the stock simply has too many issues these days. This includes the suggested lack of future growth, an apparent problem in Australia, and potential issues with its parent company TA. Is it maybe time to sell?
Read Answer Asked by Thomas on December 08, 2017
Q: My brokerage has placed a note on my non-registered account concerning a stock that has ceased trading and is in receivership/bankruptcy. They are offering to accept these shares as a gift and remove them from my account screen.

Is this a better solution to filing a 50(1)?
Would CRA not be “concerned” that I filed a sale at $0 without a 50(1)?

You can see that my main concern here is not attracting the attention of CRA. Of course, if I gift the shares, I would receive nothing should the receive distribute any moneys when all creditors have been paid.

I cannot see the advantage of the “gifting” of these shares to my broker. Any insights?
Read Answer Asked by Dano on December 08, 2017
Q: Hi Peter & team,

Over the years I have been focused on paying off my mortgage and putting the majority of any savings I have into my RRSP account and contributing into my child's RESP account. As a result, the RRSP account has over 80% of the savings that I have accumulated to this point while my TFSA and non-registered accounts total the remaining 20%. I finally have paid off my mortgage and I was wondering whether I should now be focusing on putting most of my money into the TFSA and non-registered accounts, so that the ratio between the RRSP/TFSA/non-registered accounts become more balanced? Is there such thing as a good balance between the 3 types of accounts?

Thanks for the wonderful work and all the insightful answers you provide.

Marvin
Read Answer Asked by Marvin on December 07, 2017
Q: I have $500k in cash to invest. Getting into the market with current economy and market conditions is hard for me to do. I have asked around at other firms and of course the answer has always been "Get in now. why wait", but I believe that they are biased because they will make their fees from me even if I lose money during a market correction.

As an example I did some back calculations using a tool on Steadyhand's web page and the rate of return from 2007 to 2016 compared to 2008 to 2016 is significantly different. By waiting one year the annual ROR changes by almost 100% (5% 2007-2016, 11% 2008-2016). It is interesting how nobody ever talks about this.

I would like to wait until the market correction happens, whenever that may be, but I need some unbiased advice.

I realize that this question has probably been asked before but I think that the answer to this question has to take into account current conditions and where the market is compared to historical norms and averages.

If I was using one of the 5i portfolios it would be the Income portfolio.
Read Answer Asked by Stephen on December 07, 2017
Q: GOOS has had a pretty good ride since the IPO. I also take notice of the number of Canada goose parkas I see walking by me now that it's cold out. Would you agree with taking a position prior to the upcoming quarter, despite being at the 52 week high? Is this a buy and hold, or something that would likely pull back during the summer months as their primary product is seasonal?

Thanks Team,
Read Answer Asked by Ryan on December 07, 2017
Q: CRH has rebounded off its low of $1.90 on Nov 15th, today it is $3.10 on decent volume.
Has there been any sign of insider buying or share buybacks since the normal course issuer bid was announced?
Could there still be some tax loss selling still to come?
A market call guest noted that breaking above $3.30 on volume would be a positive sign.. do you agree?

Also, what are your long term thoughts of the stock, 3+ years.

Thanks!

Read Answer Asked by EVAN on December 07, 2017
Q: I own ALO, MUX,AGI,FNV,KL,
I want to sell two or three of what you may consider to be the least likely to perform well in the short term (1 year).
As always thank you. Wishing you all a peaceful Christmas & Holiday Season.
Read Answer Asked by Maureen on December 07, 2017
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