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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 are the chances that an individual stock picker outperforms a mix of VOO, VUG, and QQQ over the long term (20 years)? What factors could influence one's ability to do this?
Read Answer Asked by steve on October 03, 2024
Q: I think I understand how CIPF insurance works. But wanted to clarify… if one has over a million dollars in stocks, bonds, ETF’s, mutuals, and cash in a non-registered account at a brokerage, is it best to move some to another brokerage? As CIPF covers only one million per non-registered account per brokerage? Thanks.
Read Answer Asked by Kim on October 03, 2024
Q: As fractional share trading becomes more popular, what is the point of stock splits?
Read Answer Asked by Mike on October 02, 2024
Q: Just discovered something called CDRs traded on the TSX/NEO. Fractional shares in large US companies. NEO shows a list of about 40 of the most watched companies, priced between $10 and $30, all Can$ hedged.
For someone with a smaller pot, are these worthwhile, and why are they rarely talked about? Cheers!
Read Answer Asked by george on October 01, 2024
Q: Where do I have to go to find the forum?

You give so much I hardly ask any questions! Thank you Lorraine
Read Answer Asked by Lorraine on September 30, 2024
Q: How do I access the Forum section please? I've looked and my eyes must be painted on.

Thank you
Read Answer Asked by Russ on September 26, 2024
Q: Thank to the other readers for this tips re best meltdown strategies for RRSP. There were a few calculator suggestions - I looked at them all, but still find the CRA retirement calculator the best. It’s a tool that takes all the layers of retirement income into consideration. Link below. My question about a monthly selling method still stands. I’ll be watching Money Saver magazine for some advice. I read and enjoyed the boomer article, and I’ll checkout the books to see if they do indeed offer this advice. Share if you see fit. https://www.canada.ca/en/services/benefits/publicpensions/cpp/retirement-income-calculator.html
Read Answer Asked by Kim on September 26, 2024
Q: Hello I was going over some older questions and come across references of a podcast of Zach and Chris and you made reference to certain episodes,I am always looking for a good podcast,could you give me the name of it thanks
Read Answer Asked by Greg on September 25, 2024
Q: Can you please explain what all this means, thanks.
The TSX will implement an "if, as and when issued" trading market commencing Sept. 25, 2024 and ending at the close of business on Oct. 1, 2024 for TC Energy Common Shares and common shares of South Bow (South Bow Common Shares).
The TC Energy Common Shares will resume "regular way" trading on the TSX and the NYSE on Oct. 2, 2024.
The spinoff is on Sep. 25th and the ex-dividend date for TRP is the 27th.
Read Answer Asked by Terry on September 25, 2024
Q: Regarding Kim's question about drawing from ones RRSP, I found the book titled 'Retirement Income For Life' third edition by Frederick Vettese very helpful.
Read Answer Asked by Harvey on September 23, 2024
Q: Building on Jeremy's suggestion to Kim's question today on drawdown of RRSP and other retirement holdings, here are a few free calculators I have found helpful:


https://www.calculator.net/retirement-calculator.html

And,

https://www.cchwebsites.com/content/calculators/CARetirementPlan.html


The latter is more flexible. Also books by actuary Frederick Vettese are very good, and there is a free site for one to calculate CPP payouts if you are inclined to drawdown early or defer:

https://www.cppcalculator.com/

Read Answer Asked by Christopher on September 20, 2024
Q: Hello 5i,
Post if you like.
As per Kim's question today on drawdown of RRSP and other retirement holdings, there are a few things I have found helpful. Rita Silvan's article in MoneySaver Sept/24 "Boomer Candy" had some great points. Daryl Diamond's book Your Retirement Income Blueprint is worth the read. Finally a fiduciary planner/ tax plan.
Good luck.
Jeremy
Read Answer Asked by Jeremy on September 19, 2024
Q: Wondering if 5i moderators could answer the questions alot earlier IE NOT > 11:00hrs EST especially after a weekend. It would be appreciated by the members that would prefer to have some insights before the markets open AND also allow them to read them before our respective work days start.
Read Answer Asked by Brant on September 16, 2024
Q: I currently do my investment trades thru National Bank Direct Brokerage. I is a very good platform but does not keep a real time update on Capital gains and losses for the year. Do you know of any sites that can do this? Thanks
Read Answer Asked by george on September 05, 2024
Q: What is a good approach to evaluating risk for a stock investment? I can think of systemic risks, specific company risks, and historical drawdown price risks. Anything else? Is there a way to condense these into an overall risk estimate? Any articles or books on the subject you would recommend for DIY investors?
Read Answer Asked by Alfred on September 05, 2024
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