Investment Q&A

Q: Goodmorning
I would like to broaden my overall understanding and knowledge of the financial market similar to a investment advisor but not that comprehensive.
Is their a correspondence course or series of books manuals etc that could be used to help broaden an individual knowledge?
Thks so much
Marcel

Q: How major of a roll do algorithms and AI play in the direction of the market today? Will the future be unkind to active managers?

Q: What would be your recommendations if one is looking for ''safety'' both in Canada and US markets.? Am anticipating important correction.
Please deduct as needed
Tks
Sherrill

Q: Are Canadian investors allowed to buy US Mutual Funds / ETF's?

Q: Hi team,
Any predictions on when the irrational selling in our favourite growth names will stop? The US government SD ends and the market wants to plummet in what it seems almost all growth stocks, quality names or not. The prediction of the bull continuing to play out does not seem correct lately. Seems like we are in free fall mode. What if any catalysts will bring calm to the markets ?

Q: Hello,

Is there a good source for earnings call transcripts? I can usually find the larger ones through various YouTube sources but the smaller cap companies usually it's posted on the website but not always and I struggle to find the transcripts.

Any good sites?

Q: Good morning, 5i Team,

My question is about the state of the markets, expectations, and catalysts.

I am, like other investors here, trying once again to find my footing and assume the stance that would fit the market. I saved and accumulated some cash for the much-expected pullback, and now that it is happening, with some big names being punished harsher than they "deserve" I am looking to you guys for bearings and guidance.

We cannot time the market, yet the timing of the position plays a huge role in one's returns.

What is your take on the environment we are in? It seems to me the appetite is low on the street, and fear is high, yet VIX offers no guidance. For the aggressive, risk-accepting investor, what would be the checkpoints and catalysts that would form the bias in this marker?

I would like to initiate positions, yet, I don`t want to false start.

Thank you,

Q: I was looking at my account today and I own both PLTR actual UDS shares and PLTR CDR. The CDR seems to be way lower in a disconect in value to the actual shares. last night I was 50% positive on the CDR and today I am 54% negative and the actual stock is still in the 174 range which shouldn't account for a 104% move total. Did something happen I am not aware of with the CDR or is this a brokerage glitch in pricing? The account is RBC Di. Any insight would be great.

Q: WSJ suggests that the AI boom is increasingly fragile.

Does 5i agree with that position?

If YES what companies would be most a t risk?

Thanks.

Q: Good day to all, SONDER went bankrupt over the weekend so thank you for helping me dodge that bullet!

On another note, when you issue a recommendation to "Buy/Sell/Hold" or when evaluating a company, what is your general timeline for investment?

Or is your report card grade more of a present and general evaluation of a company. The evaluations appear to me to be on point and detailed enough for my limited knowledge.

My investment psyche tries to be "buy and hold and enjoy dividends and growth" but everyone has their own timeline and strategies (or "strat" as my teens say)

As always, thanks for all you do.

Q: Comment on: Question asked by Adam on November 09, 2025:

... Is there financial planning software available to DIY investors that you have used yourself or heard is good that can be used to to model some of these different scenarios in an attempt to minimize taxes and maximize the value of their after tax portfolio?

Summary: Financial planning software I've tried/used to manage our large DIY recently converted to RRIF portfolio.

- Adviice: My go-to app for DIY planning for simplicity and shared access with my financial planner
- MoneyReadyApp: Generates plans similar to financial planners ($$$), but requires serious effort and good financial knowledge
- Wealthica: Basic
- WealthScope: Wealthica add-ons for deeper analysis - Good
- Zigma: Could not import from TD WebBroker
- ShareSight: Could not import from TD WebBroker

Q: FEEDBACK Re Timelines for answering questions.

I have been a happy 5i’er almost since Day 1. Lucky me. A very rewarding experience…. perfect , maybe not - but I haven’t found a better service or something at lower price for 5i services.

Over the years and given all the questions I have asked, my recollection is that having to wait longer than 36 hours has been amazingly rare. And none of my questions have ever been lost.

Maybe I am just lucky …but my experience has so positive. Thank you.

So call me Happy Camper.

Q: Hello,

I like and appreciate the timely customized responses you provide to subscriber questions.

When I get up in the morning and look at 5i to see what is new, it looks like you have been up for a couple hours and prepared fresh responses to questions.

I also find it beneficial to check back in thru the day, on weeks like this, to catch up on the latest questions and responses.

I took your advice a few years ago and purchased other subscriptions and am learning from different perspectives besides 5i.

If it takes a few days to clear the question backlog, it is not critical to me, because my investing is becoming more planning oriented and use 5i, and 5i subscribers multi-faceted questions, as an additional input to the process.

Keep at it.

Thank you

Q: Hello
Wondering if 5ii can comment on daily questions being answered in a consistent time window ? IS there an actual internal commitment (time or # of questions) or are both random ?

I feel since we have a signed up to the 5i paywall should we not expect to have most to all of these answered within 2hrs of market open minimum VS completely random times or 2-3 pages much later in day.

The are many FREE market emails or alike that arrive daily at the exact same time which is very helpful for DIY investors to make their research / investing decisions accordingly

IE:
Open Bell Daily or even the Motely Fool or the Pomp Letter

Q: Hi Team,
This week so far has been the worst ever for my portflio. Down 12% just this week. . The names I had conviction in are getting demolished this earnings season (Lmn , gsy, Prl , PNG , Rddt , Meta , nbis , nvda ) to name a few that are dropping big today . The market has felt jittery to me for a while now like a house of cards. Where do you see things heading from here ? Is it time to move to the sidelines ? Or hold out for more pain? On the other side of things are there any specific buying opportunities or stocks you are watching to buy or add to during the recent declines?

Thanks ,
Shane

Q: Example on the 4th early morning indicated a big down day for the Market. As I have done in the past, I try to buy a couple on sale but when it opens up, within a short period of time, stocks are down 5% to 10%. I usually say I will buy the ones that are down the most. These are usually stocks in my account. They start going up and then they come down and go up and down. I end up getting a 10% stock at 5% less and after an hour or so, the stock is down 10% again. How should I purchase in this type of a mad scramble in the early morning?
Your expertise is greatly appreciated.

Q: To follow on Marco's "general question" of Nov 3rd (great question by the way) if putting price suggestions in is one of your pet peeves, why not simply decline to provide them? As 5i has indicated many times in the past, for long term investors the decision should be to own, or to not own. My 25 cents.

Q: How much attention should I pay to book value? How does book value play into managing a portfolio? After holding an investment for a number of years, taking profits, adding to the position, etc, I try to look at both the market and book value when making decisions. My idea is that I don't want the book value to exceed 4-5% of any stock. Lots of advice about management of the current market value, but I hear less about book value. Thanks for your advice.

Q: Everyone. Since the dawn of time i have seen this or that analyst state that this or that company will double in the next one or two years. It makes me always wonder what if but i always think with facts and not with emotion. Since analysts have a vested interest. Clayton

Q: The above firms I've been following on a watchlist for possible additions to my U.S.account.
My themes are bricks & mortar U.S.Nuclear, Renewable Energy, Space Launch / Satellite Services, Quantum Computing, Residential Real Estate recovery and Industrial Robotics.
My questions:
The momentum is solid for most of these,
I have no problem buying positions in BXWT or BE. The others are like investing in OKLO....the financials are dubious at best. Which 2 of the other themes would you consider investible today and why?
Thanks in advance. David