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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 and gang,
EIF's EPS(TTM) is $1.82 and it pays a monthly dividend of $0.1750 which translates into an annual didvidend of $2.01. If my calculations are correction, EIF's payout ratio is then 110%. Would you please comment on the sustainability of EIF's current dividend payout. Also please provide comment on this company going forward.
As always, good works fellas. Regards!
Read Answer Asked by Harry on December 20, 2016
Q: Peter and staff
A great number of my stock picks are based around your assessment of the company and I thank you for all this good advice
In your 3 portfolios 10 of the holdings are down 10% or more for this year.
My risk tolerance red light snaps on when when a stock is down 10% or goes below the 40 DMA.I do look at some factors for the reason but maybe not the right ones.Many times I have sold only to see the holding come back and continue to grow.
What criteria do you use to continue to hold a stock even when you are down a fairly significant amount?
Thanks and have a great holiday and 2017.

Read Answer Asked by peter on December 20, 2016
Q: Hi Peter and Ryan, I'm just making sure I understand the withdrawal rules correctly in dealing with TFSA accounts. I have some cash accumulated from the payments of dividends during the last few months in my TFSA. Am I allowed to withdraw say $2,000.00 in cash from my TFSA account in the next few days (before December 31). Then after Jan 1st, 2017, does my new limit for 2017 become $7,500.00? If so can I transfer (in kind) shares from a cash account worth $7,500.00 into my TFSA without issues? Thank you so much for all you do and all the best in the new year. Mario.
Read Answer Asked by Mario on December 20, 2016
Q: Hello 5i
Have allowed MAW150 to become a heavy weighting in Portfolio.
Are you able to comment on potential sources for its lack of performance through 2016? I am a little surprised to be down on the year.
A recent article on MAWER indicated they have likely run out of good investment ideas and their previous choices have run out of juice.(Top award winners in Mutual Funds regressing to moderate performance)

Would you just let them do what they are paid to do (MER= 1.74%) or would you choose to reduce (MAW150: 74% International allocation-Oct 31) by shifting capital to US oriented ETF - XMC?

Portfolio Geographic allocation for International vs USA are about equal currently.

If something else comes to mind as you consider this questions please feel free to add.

Thanks
Dave


Read Answer Asked by David on December 20, 2016
Q: Hi,
If my calculations are correct and the projected forecast on earnings is also correct this stock should be in the $55 to $60 range at this time next year. If not higher. I understand that any stock can reverse course at any time! So my assumption is based on numbers and past performance of management. The stock looks like it has solidified at around $39.00 the past few weeks from a high of $44 and change. I believe the drop was end of year profit taking and portfolio management. What are your thoughts on this. Thanks.
Read Answer Asked by Robert on December 20, 2016
Q: A couple of years ago I transferred 25% of my sdrsp into a sdrif so I could set up the basic structure and start adjusting to appropriate holdings to produce a revenue stream and a bit of growth. I will transfer the remainder of the RSP in 3 years. I have gradually been selling stocks that do not seem to fit and have been moving the proceeds into some of the 5i income portfolio. I currently hold 9 of them, as follows :
ABT, BCE, BEP.UN, BNS, ENB, ET, FSZ, XHY, WSP

I have some cash available and would appreciate your suggestions for which 3 or 4 of the remaining ( ADW.A, AGU, AW.UN, CPD, CVD, ECI, L, SPB VNR, ZRE) you would suggest I acquire. Also, given possible year end/new year movement and events, could you shine up your crystal ball and give any comments on what timing might be best for those acquisitions?
Please note: I hold IPL (6%) as well as ENB (8%)– would you recommend IPL be changed to VNR ?

(I also have a fully funded TFSA with a growth tilt and a non-registered account with a dividend/growth tilt and OAS/CPP gvt pension).
As always, THANK YOU to Peter and the 5i Team for being there ... May your Christmas' be Merry and Bright !
Read Answer Asked by Alexandra on December 20, 2016
Q: A member wrote: "The CHIP was at 4.74 at the time (I can't remember where I got that number but it was accurate) and assuming interest rate increases, after 10 years, the CHIP had grown from an original $44,000 to $289,326." I don't have my scientific calculator, but this seems most unlikely. Under the rule of 72, even with a 8 percent interest rate, it would take nine years to double the amount, not a 16 time increase, as is claimed here for 4.4 per cent. Where did I go wrong?
Read Answer Asked by Kurt W on December 20, 2016
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