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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 am fortunate to be up 50% on my CM stock. Looking forward I am wondering which of the big six banks have the best growth potential. I am thinking that CM has a more limited growth potential after such a big move, but I also have been trying to resist the urge to sell stocks with good gains. Your input would be helpful. Note that taxes are not a concern- the shares are in an RRSP.
Read Answer Asked by Robert on September 16, 2024
Q: Holding the following Financial sector stocks: BAM, BN, BNS, GSY, PRL, SLF, TD, X for a total of 20% in TFSA & RIF combined. Would like to reduce # of holdings to 5 or 6 and Financial % to about 15% . Your comments/suggestions/alternatives on the following setup would be appreciated:
RIF = HMAX, BAM, X
TFSA = BN, GSY (or BN, PRL or BN, PRL, GSY??)
As always, thank you for helping to provide clarity.
Read Answer Asked by Alexandra on September 13, 2024
Q: I currently own a full position in Sun Life (5%) in my portfolio but would like to add to my insurance component via a Reinsurance firm. Would this be a complementary move or just a duplication of the exposure I get via SLF? If this is a good idea, would EG or ACGL be superior options?
Read Answer Asked by David on September 12, 2024
Q: Good afternoon,

I see on wealthsimple for further diversification they have a private equity and private lending category.

Which you recommend either if these and are their some learnings you can put out there in regards to them.

Thank you.
Read Answer Asked by Jemma on September 10, 2024
Q: Good morning,

As a newbie to wealthsimple. Just trying it out. I see they do private equity and private credit.

Is this something worth looking at as a portfolio grows for added diversification?

Do you know much about their capital partner and it's history. Looking for some quality direction here from the pros.

Thank you.
Read Answer Asked by Jemma on September 10, 2024
Q: Good afternoon. GSY is struggling a bit lately but so is the rest of the market. I read an article that said GSY has high debt levels that are not well covered by cash flow. This got me wondering why does GSY have high debt levels and where does it get its money to lend? If they borrow to raise money to lend and rates drop could they not get into a squeeze where the margin between money they loan out and loans they have to reply narrows?
Read Answer Asked by Ken on September 07, 2024
Q: Royal seems to continuously march forward. Does the valuation seem a little stretched at this point? I'm seeing a P/E of 14.55. I think I have read that the banks typically trade at a 8.5 to 12 PE.

If the Canadian consumer is likely to to be challenged over the next 24 months and US banks (like JP Morgan) trade at 12.2 PE there seems to be a disconnect. I'm not sure what their revenue is in Canada Vs US.

Thoughts?
Read Answer Asked by Steve on September 06, 2024
Q: It seems possible that interest rates will be higher for longer, triggering flat or recessionary economy. How would you assess prospects for these 3 fintechs in this environment. Are there any that are vulnerable?
Read Answer Asked by John on September 05, 2024
Q: Morning. BNS OR TD?
And the reason. Why
Thank you
Read Answer Asked by Michael on August 30, 2024
Q: My holding of Paypal is at about -40%. I’ve had it since 2020. At this point, would you recommend disposing it and add to other Fintech names ex: Google, MA, Meli?

Looking at the charts of PayPal vs MA vs Google vs Meli, I cannot help but regretting buying into PayPal. And it looks like PayPal is currently having nothing going for it.
Read Answer Asked by Anh on August 30, 2024
Q: As a retired investor relying on dividend income, which of SLF or BMO do you favour for a long-term hold and why?

This investment would be part of and complete my allocation to the financial sector.

Are there other finacial stocks you would recommend ahead of these two?

Thanks for the great service!
Read Answer Asked by Ian on August 29, 2024
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