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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 am helping my 65-year-old mother reallocate about 20% of her growth and income portfolio in collaboration with her financial advisor; the major move is to decrease the very large position she has in bank stocks. For most of this chunk (17% say), her advisor has suggested an even-split combination of the following (in light of the interest rate hike, and to provide additional dividends): Telus (T), Pure Multi-Family REIT (RUF.UN), Slate Retail REIT (SRT.UN), Power Financial (PWF), Manulife (MFC), and Altagas (ALA) (in anticipation of the potential WGL acquisition). Would you replace any of these (and if so with what)? Would you give greater weight to any? Thanks!
Read Answer Asked by Christopher on July 11, 2017
Q: Hi 5i,
What is your take on Freshii (FRII) at this point, with the stock at its publicly traded low, the promotional noise having quieted somewhat, and its next quarterly report upcoming?
Also, recognizing that it is largely guesswork, from the stocks you are already very familiar with, are there any that you think may be well positioned to beat market expectations in the upcoming round of reporting?
Thanks?
Read Answer Asked by Lance on July 11, 2017
Q: Hello 5i team,
I greatly appreciate your response to my question regarding the effect of a recession in a 74 year old’s RRIF portfolio. I retain from your response the following:
Asset allocation: one third of my retirement income comes from CPP, OAS and a very small defined benefit pension; one can’t have a better fixed income vehicle as that!
Cash: it currently stands at 6.5% of my RRIF portfolio; I’d like to increase it to around 12% or the equivalent of 2 years of minimum withdrawals.
Quality companies and Diversification: I currently hold the following companies; they are listed in alphabetical order and I would appreciate to know how you would rank them within their sector
Consumer cyclical (6.6% of portfolio) CGX, LNR/MG, TOY
Consumer non-cyclical (7.6%) ATD.B, DOL, PBH
Energy (8.4%) ENB, KEY, PKI, TOU, VET, WCP
Financial (8.7%) AIF, BNS, ECN, SLF, TD
Health (3.1%) CRH, GUD, PLI; thinking of replacing CRH and PLI with ZUH
Industrials (11.7%) BYD.UN, CNR, NFI, SIS, STN/WSP; where would CAE fit?
Materials (9.5%) AEM, CCL.B, MX, SJ
Technology (22.8%) CLS, CSU, DSG, ENGH, GIB.A, KXS, MDA, OTC, PHO, SHOP
Real Estate (5.8%) CIGI, FSV, TCN
Telco (2.2%) BCE
Utilities (7.1%) AQN, BEP.UN, BIP.UN
There are 48 stocks; that is too much to handle for my hardening grey cells. Your ranking would help me identify which ones to eventually sell.
Please deduct as many credits as you wish.
Kind regards,
Antoine
Read Answer Asked by Antoine on July 11, 2017
Q: In a response to a comment of TFSA's you mentioned that the TFSA should be used for growth and not safety. Of course I have a GIC ladder to the tune of $50,000 over 5 years in both our TFSA accounts. Should I take them out of the TFSA accounts? If I do what would be the suggested replacements? Or should I just continue with growth stocks in the upcoming years leaving everything as is? We are in our 70's with 50/50 equity/fixed.
Stanley C.
Read Answer Asked by STANLEY on July 11, 2017
Q: Saputo has shown downward momentum since Trump's inauguration. Supposing this risk were overblown, then one would expect the stock price to be 'cheap', but the current price is pretty-much what the long-term trend-line would predict. Put another way: if the price is only now touching the trend-line, does that imply that the Trump factor isn't fully baked-in yet - which, in turn, suggests further declines?
Read Answer Asked by John on July 11, 2017
Q: Good morning Peter et al. I have $68K in a rrsp and $80K In a cash account to invest. A full position in each account is $20K. Time frame is 3 to 5 years. I have full positions in other accounts of shop,pbh,gud,nfi,sis, and toy. My thought was to add Boyd, CAE in each. I also have 1/2 position in Photon. Can you give me some direction on what else to add other than going bluechip defensive.
Thanks in advance david
Read Answer Asked by David on July 11, 2017
Q: I'm helping my 65-year-old mother reallocate some funds (mostly diversifying and ditching debilitated oil stocks and mutual funds). Using about 3% of her funds, she would like to make a tech purchase (her first) for a long-term investment (5+ years) aiming at growth for this particular position. Following your recommendations, we are considering (a) Constellation (CSU), (b) Kinaxis (KXS) or (c) a mix of both. These are two great stocks and this is a nice moment to buy tech in general, but which of these three scenarios would be best right now?
Read Answer Asked by Christopher on July 11, 2017
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