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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: In January, you compared FFH to BN/BAM, saying, "If rates fall it may be able to make more deals, AND, its assets owned already may increase in value further." Do you still hold to this glass-half-full outlook, or should we be concerned that the (dominant) insurance side of FFH's business will be penalized for a lowered outlook?
Read Answer Asked by John on October 30, 2024
Q: Hi group I am short exposure in Financials in both Canada and us Please recommend 2 CAD+ 2 US stocks and 1 etf for each market. Also do you recommend a position in Bitcoin going fwd its getting hard to watch it hitting new highs as of late. Would you recommend a position for a moderate investor and if so what 2 stocks would you consider...thanks for your help
Read Answer Asked by Terence on October 30, 2024
Q: Good morning 5i team

TD's Oct. 10 news release regarding reaching a resolution of Anti-Money Laundering issues with US regulators stated, among other things that

"The total assets of TD's two U.S. banking subsidiaries (TD Bank, NA and TD Bank USA, NA) ("US Bank") cannot exceed US$434 billion (total assets as at September 30, 2024)"

I could not see any reference to how long this limitation applies. Does 5i know how long the limitation is to be in place?

What is 5i's view of the impact of this restriction on TD's ability to grow its overall company, broadly speaking, over the next few years?

Thank you

Thank you
Read Answer Asked by Edward on October 29, 2024
Q: There are a few parts to this question...
I'm bullish on Bitcoin longterm and think it will appreciate well in the coming year or so and overall in the next few years (despite still being volatile).
If one were to borrow and invest in a non registered account:

1. Can you write off the interest expense if you buy Bitcoin from an exchange and hold in cold storage?

2. If you buy an etf -and can write off the interest expense- what are the trade offs in buying a spot etf (FBTC) vs. a yielding etf (BTCY.B)?
My thought is the monthly dividend payment on a yielding product would be about twice the interest expense in this case so that would be a benefit over the spot etf if there's sideways price action or bitcoin volatility. Can you comment on the basic tax implications of this plan as well as the investment plan. All things considered would it be preferable to own the spot etf? Any other thoughts or suggestions would be welcome.

Thanks very much
Read Answer Asked by Dustin on October 29, 2024
Q: Hello! I invested some of my young son's money into bkcl, thinking that Canadian banks are reliable and it will grow over time. The fees for the ETF are high, but it pays about 12% dividend monthly. It actually pays more, but I have deductions as I don't live in Canada. What is your opinion about this kind of etf, ie based on Canadian banks, high management fee but very high regular dividend? Thank you!
Read Answer Asked by Samantha on October 29, 2024
Q: A couple years back there was some type of change in US tax law that made many LPs subject to IRS withholding of 15% of sale proceeds (non-recoverable), regardless of where the owner lived in the world. The various Brookfield entities said they were not affected, but it has always made me a little cautious. Now BAM is looking at relocating to NY. I realize they are a corp, not an LP, but is there any potential they could get caught up in the withholding issue? I hold BIPC and BN. Any reason for concern here?
Thank-you
Read Answer Asked by grant on October 28, 2024
Q: I have owned IFC for a while; its share price has gained nicely in the last 12 months or so but I am concerned it is becoming a bit richly value and am considering a switch to CB. What is your view of this change? Would you stick with IFC or make the switch, and why? Many thanks for your excellent service.
Read Answer Asked by Leonard on October 28, 2024
Q: Portfolio Analytics has suggested I reduce my financials component. Over my several accounts, I own these 6 banks in Canada. What order would you sell them in (ignoring capital gains impact) ?
Read Answer Asked by Mark on October 28, 2024
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