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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: Hi Peter, Ryan, and Team,

I understand the rationale for different weighting of sectors among the three portfolios. You've stated in the past that we should look at our entire portfolio to "determine where we stand", and I've done this for my RRIF, my wife's RRSP, both of our TFSA's and our joint Margin Account. I use Google Sheets to track this entire portfolio. My question is this: In a 'composite" portfolio, how can one determine the appropriate sector weighting, or is it purely a personal choice? For example, Technology is 21.38% of the Balanced Equity Portfolio, 32.05% of the Growth Portfolio, and 7.26% of the Income Portfolio. In our 'composite' portfolio, Technology has a weighting of 10.83% of the portfolio's equity portion. So I suppose my question would be "How do I know that my weightings are appropriate, and once weightings are chosen, do I stick with them? Or should they vary for different points in the economic cycle?"

I have another question that I'm hoping can be answered by one of our computer-savvy members: As mentioned, I use Google Sheets to track our portfolio which can "capture" the stock price for popular indexes like the TSX. However, there's a "new kid on the block", namely the Aequitas Neo index, and I haven't been able to "capture" prices to be inserted into Google Sheets automatically. As an example, a Canadian Money Saver top-rated ETF, (CLU) is no longer listed on the TSX, but is now listed on the Aequitas Neo index. Do any 5i members know how to accomplish this "price capturing"?

Given that there are several questions in this long-winded question, please deduct as many question credits as you deem necessary. Thanks for all your help! Now I'm going to watch Peter on BNN which I PVR'd earlier!
Read Answer Asked by Jerry on June 08, 2017
Q: I have opened an RESP for my 5month old with 3K in it (2500 plus 500 from govt). I know its small the first year, but I don't want to add a Canadian ETF as they are too oil and gas and financial focused.

I would like to own some good Canadian growth names that will hopefully be worth a lot when she heads off to school in 18 years and would like to keep it small since it is a small account to start. My idea was the following 7: GUD, SHOP, SIS, T, TD, AQN, PBH. I would like your opinion on them. Would you do anything differently?

Once I own all of the Canadian stocks my plan is to add XAW for world diversification.

What do you think of this idea? Which stocks would you add to the account first? I was thinking of starting with either 3 of 1K each or 4 of 750 each. I pay 7 dollars to buy them which isn't too bad.

What order would you add in?

With only 3K per year in the account it would take 3 years to get the stocks and ETF. I could just add another 2500 to the account now so that I can buy more of it now and be instantly diversified. I would not receive the grant on it but would I still receive future grants?

Read Answer Asked by Carla on June 08, 2017
Q: With oil down, what would be your top picks for a rebound when oil picks up, without being too leveraged? I was thinking of Cardinal, with its nice yield (do you think it will need to be cut?) I already have some Spartan, but it seems to be a well run company. Other choices that are on sale? Thanks.
Read Answer Asked by Donald on June 08, 2017
Q: I attempted to ask about this stock yesterday but it appears to have not been received.This stock has been sitting between 7-8 dollars for a few years now. It appears to have a +20 ROE and no debt. Can you think of any reason for it's inability to appreciate?

Thank You, Stephen S
Read Answer Asked by Stephen on June 08, 2017
Q: Apologies... following up on Marty's question early today... I too have been holding CXI for some time and am not sure you answered his question when he asked should he continue to hold CXI;

"Is there evidence that their efforts are now finally gaining traction and would you recommend that I continue to hold?"


Or was it implied because you like BYD.UN to sell CXI and buy Boyd?

Thanks for all you do!

Gord
Read Answer Asked by Gord on June 08, 2017
Q: Hello,

Can you suggest an etf or stock suggestion to capture the global increase in defence and security spending. Also Trump is pushing hard on G7 countries to increase defence budgets. A lot of money could be flowing towards that sector. Also are these increases already priced in? Thanks. Shyam
Read Answer Asked by Shyam on June 08, 2017
Q: I'm looking for international exposure with more weighting on consumer staples rather than financials, since we have a lot here in Canada already. The best I can find is "ZLI" from BMO. When I look at the holdings, I recognize very little, and am concerned about the quality of those companies. Sure, an ETF is transparent, but if I have no way to "measure" the quality of the holdings, is this transparency useful? Can you help me out with this? Thank you.
Read Answer Asked by Matt on June 08, 2017
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