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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: What doing you think of the bank? I have heard several market commentators say they like this smaller bank.
Read Answer Asked by Rachel on October 16, 2023
Q: I am wondering about the impact of open banking on our big banks in Canada. We may learn something from the US who are reportedly starting earlier. But I wonder how much our big banks will be stirred up by giving customers control over who gets access to their data, and more importantly, the impact on their moat from more knowledgeable competition.
Read Answer Asked by TOM on October 13, 2023
Q: Re: the Bank 30Yr Mortgage Amortization Question asked by James... Could you explain the impact of more or less 30Yr Amortiztion Motgages ? Why is it important ? Also how would you rank the Cdn banks for purchase now and which could recover the best ? Which likely has the lowest impact from mortgages renewing ? Thank you.
Read Answer Asked by Paul on October 11, 2023
Q: I currently own Sagicor and I'm thinking of swapping into Trisura (which I know you like). SFC pays a 6.1% dividend while Trisura seemingly pays no dividend. Or maybe I should sell half my SFC and put those funds towards TSU ?? Is owning both advantageous ? What do you think of these ideas and can you provide some insight into the reasons for any recommendation?
Read Answer Asked by Randy on October 11, 2023
Q: To follow up on James’ question today on Canadian banks over 30 years mortgages:
If customers don’t default on these mortgages is this good for the banks or this means troubles ahead? Feel free to elaborate and deduct as meany points as required.

Happy Thanksgiving!
Read Answer Asked by JR on October 11, 2023
Q: Apparently BMO, CIBC and TD currently have negative amortization mortgages approaching 20%. Do you have comparatives for BNS and RY ? Apparently there is one Canadian bank that is very conservative at less than 6%.
Read Answer Asked by James on October 06, 2023
Q: I understand that BN invests money raised privately. Are these private investors expecting to get a better return on their money compared a BN common shareholder? I'm confused what the fundamental difference is between them. Can you please explain. What happens if the private investor wants their money back? If they withdraw en mass does this create a balance sheet problem?
Read Answer Asked by Ian on October 05, 2023
Q: I have a loss in CM which is matched by an equal gain in TD.
Was thinking to sell both and buying equal amounts of BNS and RY.
All are in a non registered account. Is the tax loss accepted?
Would you recommend any changes back after 30 days?
Read Answer Asked by Peter on October 03, 2023
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