Investment Q&A

Q: My number one worry about investing and retirement is my wife's defined pension at the University of Toronto. It's too good to be true. Here it is: she started working there at 30 years old and now she's 34. Every months, she puts 400$ into that pension and the university puts 200$. At 62, she will get for the rest of her life an amount equal to the highest salary she has made there. Right now, that would be 80k. How can a pension afford this?! At 62, she will have contributed 230k and with a 6% return, the pension will have grown it to 700k by the time she retires. Not nearly enough to pay her 80k a year for the rest of her life! Now here is a RED FLAG: Last year, they reduced by 50% how much the university contributes to it. Before, they used to match her contribution by 100%. Someone messed up. Can we trust this plan? Can you see how the pension can make those numbers work?

Q: Can you recommend what % of my overall investment portfolio should be kept in a cash account? Right now my cash reserve is around 35%.
Thank you.

Q: Hello. In the summer of 2014 I owed 5 oil stocks (PEY, VET, MEG, BTE and SGY) but saw the oil market changing and a year or so later I owed only one (White Cap). I was happy but maybe a little too pleased with myself because I was slow to recognize oil’s bottoming and have missed out. I still own WCP and am looking for 2 or 3 oil ideas to compliment it. I think the companies that have bought assets during this downtown will ultimately be the winners but really my only criteria is that these ideas should be decently liquid names. Thank you

Q: Apivio Systems any opinion ?

Q: I am looking at dra.un for a 1 to 2 year hold for moderate growth and income. What is your synopsis for this company and are they connected to bam.a in any way? Thank you

Q: Hello, what do you think of MLPY and MLPN which I think are two ETNs traded on the NYSE? Both of them are high-yield investments correlatated to the price of oïl (if I am correct). Is it too risky? Thanks, Gervais

Q: I've searched and only found one question on RDM Corp (RC). I have a small position and looking to add more for a long term holding. Can you provide an assessment of its growth prospect and whether to add more, or an alternative in the same industry.
Thanks again. John C

Q: Would you use the latest run up in HNZ Group as an opportunity to exit the position? I bought the security for income and because it seemed like a good value (Benjamin Graham) stock with a strong balance sheet. However I made the mistake of not considering the concentration of its earnings in a few large contracts.

Q: In Oct. 2014, I noticed that IRG was about to initiate paying a dividend and, following your general observation that it is a good sign when a company does this, I bought some shares that are now up 62%. The shares do seem now to be in holding pattern and I am writing to ask if you think it is time to move on or if you see a continuing upside and would suggest hanging on.
Thank you for your great service,
Bob.

Q: I hold ETFs that track the S&P500, TSX and the All Cap Ex NA index, both hedged and non-hedged. I'm considering adding an emerging market ETF but I'm concerned about the heavy China weighted that most such ETFs have. Your advice would be appreciated. In particular, can you suggest one that has a lower China weighting?

Q: Hello 5i.
Would you please consider the following as recommend a company or two that may fit the bill?

I have been looking at the tech stocks run up in USA but not yet joined the ride. I do believe FB, Amazon and Google are super companies and stocks but can not seem to pull the trigger given high price and buying in US$.

Is there a Tech stock worth purchasing that would sub for these US juggernauts(business growth and price appreciation) - Or do I just move on Google or Amazon?
Does TIO fit the bill given its high score as one of Canada's fastest growing companies?

Thanks for your contributions.
Dave

Q: Hi Peter and Team! I have a question about the rules of TFSA investing. Supposing , For simplicity sake, I was allowed 50,000 to invest in a TFSA. The TFSA then generated 20,000$ capital gain. I then decided to buy something with the 70,000 $ and cashed out my TFSA. A year later I decided to replenish my TFSA. Am I allowed to put back only the original $ 50,000 or can I replace the full 70,000$ ? Thank you, and have a great weekend, Tamara

Q: what's your recent analysis of this co?
thanks for your good services
georges

Q: Given today's market and the expectation of a US rate hike, could you identify 5 ETF's that you would be comfortable with to provide safety of principal and income. Thanks.

Q: Hey Guys,

What is going on with CRH Medical today? They made another acquisition today which I thought would have gave the stock price a little boost but its gone down 3%. This stock can never get over the $4.50 ceiling.

Thanks,

Q: Would the 8 year bond be a good investment? Need to place maturing bond money into another bond and Canada is a tough go. Or would another US Bank be better?

Q: Can you recommend this ETF as a fixed income equivalent, with better tax efficiency ?

Q: Can you please comment on the 4th q and year end results and prospects for companies in this space? The company is Quebec based-- is there any premium paid by Quebec based funds etc to their own province based companies?

Q: What is your opinion of this company? It just initiated it's first ever dividend, paid on May 30. You have always mentioned that the first ever dividend is a significant milestone. Do you think it is too high at 6.4%, and is it sustainable at that level?

Q: Richard's Packaging Income fund (RPI,UN) appears to be on an upswing this week. Are there any rumors fueling this upward swing? I haven't been able to find any recent news since the hefty increase in their dividend in early April.