Investment Q&A

• Purpose Core Dividend Fund (PDF)
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Q: Does it make sense to hold a dividend ETF when you do not require the income?
I will likely not require these funds for 10 years or more without the requirement for income. Does it make sense to focus on growth instead?
I am specifically looking at this ETF as its concentrated to holding only 40 companies.

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Read Answer Asked by David on May 01, 2017

• BMO MSCI Emerging Markets Index ETF (ZEM)
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Q: Which Emerging Markets ETF with growth and some dividend for a long term hold in TFSA and/or RESP account would you recommend? THX

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Read Answer Asked by dhiraj on May 01, 2017

• iShares S&P/TSX Capped Energy Index ETF (XEG)
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Q: I am holding XEG in my RRSP, it's down 28% for me since I bought it. Paying just over 0.6% mer for a losing position. It is currently 4% of my holdings. Wanted to know if I should sell and buy 2-3 positions that pays a dividend and has some growth potential. I also hold ZDV(20% holding) and VIG(3.5% holding) so not sure if I should sell and add to ZDV, VIG, or add individual names. My only other energy name is HWO (small position 1.5%). I'm also open to USA securities and ETF's, your thoughts and recommendations will be appreciated.

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Read Answer Asked by Nino on May 01, 2017

• Miscellaneous (MISC)
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Q: New member here, would like your opinion on TGF.UN for a diversification into global real estate. Are there better alternatives?
Thank you!
Michael

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Read Answer Asked by Mihut on May 01, 2017

• Miscellaneous (MISC)
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Q: Just reading your response today to Brad re his BCE query and your thoughts on analysts recommendations. Could you please provide any additional comments on this as we tend to view these summaries of analysts as a reasonable guide in our thinking when buying or selling, but I'm not not sure how totally prescriptive these are. How much faith should we place in these summaries?

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Read Answer Asked by Peter on May 01, 2017

• EQB Inc. (EQB)
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Q: Hello,

How do you feel about EQB.PR.C? It had been pretty stable around $25. Do you feel like it will drift back to that price over the next 1-2 years?

Regards

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Read Answer Asked by Robert on May 01, 2017

• Miscellaneous (MISC)
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Q: Just reading your response today to Brad re his BCE query and your thoughts on analysts recommendations. Could you please provide any additional comments on this as we tend to view these summaries of analysts as a reasonable guide in our thinking when buying or selling, but I'm not not sure how totally prescriptive these are. How much faith should we place in these summaries?
Thx

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Read Answer Asked by Peter on May 01, 2017

• CRH Medical Corporation (CRH)
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Q: Looking for reassurance and Not a question per se, I am seeing many small amounts of shares being traded. No big blocks more than a few thousand which indicates that my fellow retail investors are leaving. Reminds me of when PHM was going to the dogs. I hope CRH isn't another medical shell game. Down 18 plus %.

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Read Answer Asked by Stephen on May 01, 2017

• Bank of Nova Scotia (The) (BNS)
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• BCE Inc. (BCE)
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Q: What would your suggestion(s) be if one wanted to have the safest portfolio possible which generated a 4%-5% return? Would the 5i income portfolio be considered the lowest risk, lowest volatility option to get the desired return?

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Read Answer Asked by Richard on May 01, 2017

• Winpak Ltd. (WPK)
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Q: Can you comment on Winpak's (WPK-ca) earnings, their cash position and speculate on how large they can grow their cash position before management begins to consider a special dividend?

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Read Answer Asked by john on May 01, 2017

• Monster Beverage Corporation (MNST)
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Q: What is your assesment on this company for a staple growth company? Any specific problem you would see?Is it to expensive? They will be using coca cola's network for expansion.Not very good at beating estimates.Or would an industrial company you could suggest at this time be better ?
Thank you much portfolio on track for very good gains so far.

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Read Answer Asked by Denis on May 01, 2017

• Miscellaneous (MISC)
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Q: The first baby boomers aged 71-72 (~1945-65) will begin cashing out their RRSP's or converting them into RRIF's or purchasing an annuity, this year. As will all the major boomer shifts, it is exciting to look at and predict the impact their money will have on government (tax revenues), financial institutions, personal wealth etc. What sectors will benefit; insurance companies like (SLF), banks (BNS), brokerage/ investment firms (FSZ), other. Where will the bulk of this money flow to: fixed income (bonds, debs, gic's, savings acc's) or (pref's and dividend stocks, common stock) or annuities. I welcome your thoughts and predictions on this interesting matter.

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Read Answer Asked by LARRY on May 01, 2017

• iShares S&P/TSX Global Gold Index ETF (XGD)
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• iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO)
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• iShares MSCI World Index ETF (XWD)
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Q: My average annual return based on 5i guidance is 13.3% over 8 years. Can't argue with that. Thank you.

Question: XWD, for example, is a global ETF which invests in 5000 companies around the planet, which has returned a very steady (almost a straight line) 13.09% since inception.

So why not sell my 40 stocks and simply buy a combination of:
- XWD (growth)
- CBO (fixed income + security)
- XGD (security)
and call it a day? This would have returned say 11% - 12%.
Pretty close...

Maybe this should be addressed on your ETF site, but I thought it was worth asking here.

As usual, thank you for your sound advice.

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Read Answer Asked by J Carl on May 01, 2017

• Exchange Income Corporation (EIF)
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Q: I am assuming the North West announcement that they are pulling their business and becoming self-sufficient through an acquisition, is the reason for the steep decline lately. Should one conclude that the impact is now baked into the SP?

Carl

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Read Answer Asked by Carl on May 01, 2017

• Exchange Income Corporation (EIF)
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Q: What is your view on the announcement by EIF regarding the loss of North West as a client? The announcement said the effect on the bottom line is only about $1 million, which is so immaterial.

Also, is this piece of business development what the shorts are basing their recent incessant attack of the EIF SP? If so, can we expect a much appreciated short squeeze on Monday?

You insight is much appreciated as always.

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Read Answer Asked by Victor on May 01, 2017

• Miscellaneous (MISC)
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Q: Could you please recommend 5 Dividend paying stocks {no financials}for a long term hold for a TFSA.

Thanks Valter

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Read Answer Asked by Valter on May 01, 2017

• Sylogist Ltd. (SYZ)
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• Celestica Inc. (CLS)
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• NFI Group Inc. (NFI)
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• Kinaxis Inc. (KXS)
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• Spin Master Corp. Subordinate Voting Shares (TOY)
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Q: Not worrying about sector, which 5 stocks in the balanced portfolio have the most growth potential for the next twelve months from the price they currently trade at.

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Read Answer Asked by Paul on May 01, 2017

• Toronto-Dominion Bank (The) (TD)
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• BCE Inc. (BCE)
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• Canadian Imperial Bank Of Commerce (CM)
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• TELUS Corporation (T)
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• Artis Real Estate Investment Trust (AX.UN)
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• Enbridge Income Fund Holdings Inc. (ENF)
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• Granite Real Estate Investment Trust (GRT.UN)
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• Pizza Pizza Royalty Corp. (PZA)
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• Summit Industrial Income REIT (SMU.UN)
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• Firm Capital Mortgage Investment Corporation (FC)
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Q: I would like to use GRT.UN, CM,ENF,PZA,TD,SMU.UN,T,AX,BCE,AND FC in a retirement income portfolios what do you think. Are there any I should not use.

Jim

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Read Answer Asked by Jim on May 01, 2017

• Shopify Inc. Class A Subordinate Voting Shares (SHOP)
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Q: Shopify reports next week, and I would assume there will be a large loss reported. Does that mean Monday we will see a large run on the stock and should we consider unloading to lighten exposure.
Thanks

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Read Answer Asked by Rick on May 01, 2017

• Home Capital Group Inc. (HCG)
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Q: April 29/17 ? asked by david:

Jerome Haas of Lightwater Partners has been shorting HCG successfully for several years
using public info. He points out below that the loan originations were robust concurrently with the loan book decreasing, amongst others.

http://www.bnn.ca/investing/video/home-capital-short-seller-warns-on-the-whole-sector%7E1109205

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Read Answer Asked by Russ on May 01, 2017