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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: I have held BNS in my cash account for several years and the stock has been essentially flat. I am looking to replace it with HCAL. There would be minimal capital gains tax and they have essentially the same yield. HCAL has 1.25 leverage to the big Cdn banks. Thinking of the tendency of individual banks reverting to the mean , am I selling BNS at the wrong time as it does seem to be participating in the industry’s strength of late. What do you think of this move ?
Thanks. Derek.
Read Answer Asked by Derek on August 25, 2025
Q: In 5i's recent video, it was suggested that - because of extreme volatility - an initial investment in crypto shouldn't exceed 1%. About six weeks ago, I took a 3% position in HOOD, reasoning that its diverse areas of business should insulate it somewhat from the wild crypto swings. Up 9% now in a TFSA. Given HOOD's high beta (>2.3), the likelihood that markets will go down in September, and the size of my current holding, if this were your portfolio, would you be inclined to take the small profit and reduce exposure down to the suggested 1%? I recognize you cannot provide personal advice, so hope I am not crossing the line with this question. Thank you.
Read Answer Asked by Maureen on August 25, 2025
Q: Goldman Sachs says we’re on the verge of a stablecoin gold rush worth trillions.

What are stablecoin's?

What would you invest in to take advantage of a stablecoin rush?

Thank you.

Read Answer Asked by Ross on August 21, 2025
Q: B. RILY Financial Corp. (RILY:US) seems to be in the middle of a dramatic turnaround after an ugly 3 years. In your estimation is this turnaround "real" or just a possible short-term trading opportunity?
Many thanks,
David
Read Answer Asked by David on August 20, 2025
Q: Hi Folks,
I would like to invest in one of SLF, MFC or GWO. May I have your opinion as to which one you feel would be best today? This would be for my RRSP account.
Thanks
Read Answer Asked by JOHN on August 20, 2025
Q: Thoughts on the current overall market and going forward 1-2 years? I just read Howard Marks latest memo and he is cautious at these levels based on over valuation and many other speculative factors that are often discussed here. I have a very growth weighted portfolio and high embedded gains. I am a long term investor but would like to mitigate any large drawdowns when a correction comes to preserve gains. Currently my more defensive holdings are COST, DOL, ATD, IFC. Currently holding no utilities. I also hold large anchor names such as CSU, LMN, BN, BKNG, AXON, and WSP. What are your top defensive names?

If I trim my tech, I assume adding to DOL, ATD, COST, IFC be more defensive. I know you've mentioned these names as other good defensive names as well, COST, PG, ABBV, L, ATD, FTS, H, ENB, FTS, BEPC, H, SLF, RY, TD, GRT.UN, T, L, BAM.

Or would buying some covered call ETF's that offer some good yield reduce the drawdown.
Which are your top covered call ETF's? Or adding to some of these defensive ETF's would be good too? Defensive US etf'S: VDC, VPU, VHT

Thanks!
Read Answer Asked by Keith on August 19, 2025
Q: Hi 5i,

Thanks for the podcast section on crypto. Very much enjoyed it.

If you could only buy and hold two of these for a med to long term, which would you choose? (Any particular reasons why?)

TIA!
Read Answer Asked by Wayne on August 19, 2025
Q: Hi 5i team,

I'm confused about PRL's dividend sustainability due to negative free cash flow (−$57M in 2024 and −$3.7M in Q2 2025) and high leverage (112% D/E). Your March 2024 report assigned a B+ rating and positive outlook might be because of strong revenue growth (38.68%) and high ROI (30.33%), but didn’t address these cash flow issues. What am I missing? Is there something in their business model or cash flow timing that supports dividend sustainability?

Best,
Matt
Read Answer Asked by Matt on August 19, 2025
Q: Canadian life insurance companies versus Canadian banks, which would you consider to be the better investment in the current economic context?
Read Answer Asked by Robert on August 19, 2025
Q: I have been reading about "Stablecoins" in recent articles re Crypto. Do you see Stablecoins replacing cash as official currencies around the world? How much , in your estimation, do you see the Genius Act, the bipartisan bill recently passed in congress, will it effect the financial world as we know it?
Read Answer Asked by shirley on August 18, 2025
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