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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: Was thinking of buying GSY in TFSA now that it has dropped to the 53$ mark. My only real concern is that we go into a recession and loan losses increase. Seems that their loans go towards higher risk borrowers and with possible job losses / lay-offs during a recession the ability to repay these loans decreases. Am I thinking correctly?
Read Answer Asked by Rudy on March 09, 2020
Q: I currently own BNS, BAM and GSY in my Canadian equity portfolio for a total weight in the financial space of about 12%. I am wondering if you would currently favour a switch to SLF from BNS, especially if I could crystallize a taxable loss?

Also a comment about the questions on market timing that you have recently received. If you are reacting to volatile markets it may simply be that you are not as risk tolerant as you believe!
Read Answer Asked by Paul on March 06, 2020
Q: Thoughts on the CN banks? Low rate environment; Cdn economy hampered economically due to low oil and lacklustre mtg/productivity . How does this factor for growth in our banking oligopoly? I would think the 4-5% dividend yield is relatively safe but I cannot see where the stock price growth would come from other than wealth management divisions and perhaps trading which is somewhat risky. Thanks.
Read Answer Asked by Richard on March 06, 2020
Q: I know you really like BNS but with TD at a 52 weeks low, would you pick it over BNS for a long term holding. (Building a position for dividend income)

Also, can you explain me if there is an advantage to own 2 full positions of banks vs 1 of bank and 1 of SLF (knowing that its your top insurance company pick)
Read Answer Asked by Olivier on March 06, 2020
Q: You have mentioned the banks deposit base and cost of funding in answer to a few questions. I am wondering what it is the banks fund with deposits?
Mike
Read Answer Asked by michael on March 05, 2020
Q: Assuming we get a rate cut of 0.5% by Poloz tomorrow, or, over the next few months, how bad will that impact CIBC's NIM and can we estimate the hit on their earnings? Is one bank more exposed to NIM than others? Regional banks are not reacting well right now. Thank you.
Read Answer Asked by Matt on March 04, 2020
Q: Hi Team,

Central banks coordinated rate cut intervention will be negative for bank and insurance sector profitability considering growth expectations are minimal and recession fears also growing. Both BNS and TD are at a 3 year low and dropping further. US banks like JPM have performed much better compared to Canadian banks.
For new money should I wait for further price stability in bank stocks

Thanks
Read Answer Asked by Ninad on March 03, 2020
Q: What would be your preference among those companies based on the fundamentals and longterm potential in the global investment field.
Thanks as always for good and balanced advice
Read Answer Asked by Jean on March 02, 2020
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