Investment Q&A

Q: you recently referenced an article on ca.investing.com which i quite liked.
Is that news source one of your favorites?
They seem to have a nice blend of Canadian and US articles...

Q: I normally use DLR to convert currency between CAD and USD. Can you suggest a dual listed stock that might be a better replacement. (price not likely to change, no dividend, good liquidity etc.)

Q: portfolio strategy
the Buffet quote / instruction to his heirs, is to put 90 % of the portfolio in a S&P 500 etf and the remaining 10 % in a fixed income ETF.
I believe his arguments are
1. simplicity for the non professional heir (and not likely to be too interested in managing a portfolio)
2. the S&P 500 is adequately diversified in sector and global diversification is accounted for by virtue of the majority of companies having a global presence, example apple products sell everywhere.

Assuming same parameters, heirs who receive a sizeable portfolio who are too busy with no interest in managing it and don't want to hire "professional" help.

Please provide your opinion on this "Buffet" approach Pros - Cons and how would you perhaps editorialize or tweak this approach to optimize it,

Q: Has AI managed to provide a useful investing tool? Not even sure what I would use it for but there is a lot of arm waving gone on surrounding this trend.

Q: Everyone, i have been reviewing previous questions and answers to find ‘that ground breaking’ answer. The questions and responses today are very similar as the ‘yesterdays’ the only difference are the companies names. Also the five and ten year chart smooth out the drops and spikes to give a true picture over a long time. In summary today is not any different than yesterday or last month or last year or ten years ago. So if you have the best of the best stocks just ride out the noise. Clayton

Q: Why do companies do a stock split and do you think any of the banks will do a stock split in 2026.

Q: How can we read Peter's information in the magazine, the last one, and the future?

Q: I have held BIR for a number of years but was unaware that a management change had taken place, presumably somewhat recently.
Since management quality is so important to the future prospects of companies, would you have the resources/time to be able to provide a management change alert with commentary on the implications, whenever one occurred for the companies in your portfolio coverages as well as those on your watchlist?
I believe that companies are required to notify of management changes at senior levels, however, it is difficult for outsiders to evaluate the significance of such.

Q: BMO now has a selection of CDRs
Is there a difference or any concern compared to those offered at CIBC
Thanks

Q: In your answer to Scott Jan 23 26 about the CIRO data breach you say "We would not be concerned here"
It is not clear to me whether you advise just ignoring it or registering for 2 year free credit monitoring.
Or is this a trap to start charging me a fee for monitoring after the 2-yer "free" period? These day we get so suspicious of everything.

Q: Follow-up question to Scott's question on Jan 23/26. I too received a letter from CIRO regarding their system being breeched on Aug 11/25.

Your response was " We got one as well; such procedures following a breach are very standard and we would not be concerned here."

Your answer may have been crafted exactly as intended, although it did not specifically say that we should follow through with the two recommendations contained in the letter. Should we just file the letter and not waste our time following up....or....should we follow the directions in the letter? I am guessing you probably intended any follow-up action to be an individual's choice.

I've made this question private on purpose, so as not to flame any potential fire. Make it public if you think it would help.

Thanks for any clarification you can provide.
Steve

Q: I just received a letter from CIRO (Canadian Investment Regulatory Organization saying that their system was breeched on August 11, 2025 and my personal data was compromised. They suggest 1) I call Equifax and TransUnion (although the phone numbers they provide don't match the company's contact information online) and 2) access a website to register for 2 years of free online credit monitoring and identity restoration services.

Before I take the recommended action I thought I would check with you to see if you heard of this and if it is legitimate.

Thanks

Scott

Q: Practicing "let your winners run" I now find two of my stocks accounting for
29% of my portfolio of 19 stocks - CLS 18% and PNG 11%,

Is there a corresponding expression to tell when and how to decide they've run far enough and start cutting back ?

Thanks as always for your help. It's greatly appreciated.

John

Q: The psychological make up of individuals cannot be overstated when making financial decisions. For example, I have done well with EIF over the years; great management, fiscally conservative yet growth oriented, good industries . It’s been “ up and to the right “ for years. I do not intend to sell this long term winner , but yet when I look at it to deploy new money , I think “ It’s at all time highs, too expensive , don’t buy “. Weird eh ?

Q: General question for buyers and sellers of ETF's from Canadian and US exchanges. How can one know whether one is permitted to hold it in ones accounts like; TFSA, RRSP and NonReg's. There are many strategies offered like levered products etc. How can one avoid holding the wrong product and getting nailed by CRA with fines. Hope you can provide some guidance.

Q: Many of the questions you receive are similar in nature and often are subsequently asked again by another subscriber.
Examples would be: “what are your top 5 CAD stocks or USD stocks; or favourite AI stocks ….” “Top 3 sectors for 2026” etc.

I like the way you have categorized the questions on the sidebar.
However I can’t find anything there that captures those types of similar, frequently asked questions.

If i have overlooked it please let me know how I can find them other than scrolling through days and weeks of questions to find those types of questions and answers.

Thanks again.

PA: And by the way your report on AI yesterday is outstanding both for the breadth of its coverage and the detail on stocks or funds in each category. Fabulous material and clearly a VALUE ADDED differentiator in favor of 5i. BRAVO.

Q: Hi 5i, a member referred to useful articles that you published on all-in-one ETF's.
Could you please point these articles out.
Thanks, and keep up your great work in 2026.
Terry

Q: I don't know who else to ask on this one. I trade on both TD Waterhouse and NBDC. On occasion, I find them giving quite different stock readouts. For example, right now, it's 12:52PM on Jan 19. NBDB is showing VXM at 49.80 -08% with a bid/ask of 48.77-50.92. TD is showing it at 50.79 +1.84% with a bid ask of 50.25-50.92. How can they have such widely different quotes?

I realize NBDB doesn't show live quote on its main page, but it does when you bring up the buy/sell pop-up. So these quotes should be identical. But this is not the first time I've found such wide ranges.

Q: What are your trusted sources for forward sales, earnings and ebitda in trying to determine valuations?

Thank you,

Q: Sorry for yet another CSU question! As a long-term holder of CSU, we've made a hefty profit….not as much as it was, but still hefty.

Having said that, I need to rebalance our portfolio, which I can easily accomplish by selling some, not all, CSU.

Is portfolio rebalancing justification in this scenario?

Thanks in advance for your valuable insight.