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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: Just a note of total frustration in dealing with the big banks (for example TD). For the last couple of weeks, I have been researching high-interest savings ETFs. Some of my recent questions to 5i reflect this. I have been monitoring dividends, and price changes, etc. At the conclusion of my research investigation, I decided to pull the trigger on HSAV. I brewed a strong cup of coffee, did my finger exercises and fired up my trusty laptop with 2 screens glowing brightly in anticipation of a vigorous workout. I signed in to my TD direct investing account and entered all the appropriate data to buy HSAV.

After entering my trading code and proceeding to the next step I was advised in bright red letters that I am not allowed to buy this ETF and I should call TD. In that call, TD advised that I can’t buy that ETF. WHY? Because I can’t and the gentleman advised that even, HE can’t buy it. Why? He doesn’t know. Luckily your November news report on ETFs and Mutual Funds was released yesterday and hope was restored when other slightly similar ETFs including HSAV where provided: CASH, PSA, CSAV. It turns out TD does not allow me to buy those either.

Is this legal? If it is shouldn’t be!!!

Now researching Questrade where a 3 minute call revealed that I can buy any of these with no commission. Now the painful process of moving all my stuff may start.

Read Answer Asked by Danny-boy on November 11, 2022
Q: Most of the time we are coming out of the recession before they even announce that we are in one.

I am currently fully invested, but I wonder whether there will be a drop once announced.

Anecdotally, I have seen a complete slow down in retail customers at my place of business. It is the slowest I have seen in over 10 years. My suppliers have also slowed considerably, so it isn't just me.

I understand it is best to stay invested and diversified and the markets will correct over time.

Questions:

So, will the markets drop if they announce that is the case and we are in a recession, or is that priced in already?

If the markets do drop once announced are there any trades / hedges / or opportunities that I should be investigating or doing some research in?

Thanks.
Read Answer Asked by Colin on November 10, 2022
Q: Wondering if the 5iii team has considered a survey type / sentiment analysis of what your entire membership is in fact holding for their portfolio positions ? This would give us all a perspective as DIY cohort how like minded we actually are !
Read Answer Asked by Brant on November 09, 2022
Q: I was going to include this link in my last question as I thought it was a good read and a good reminder for long term investor's, but forgot. Here it is:

https://www.cnbc.com/2022/11/04/op-ed-investor-ron-baron-on-investing-during-periods-of-entropy.html
Read Answer Asked by Shane on November 07, 2022
Q: Good morning
When a broker recommends a stock a disclosure is made stating that:

"Broker is a market maker or is associated with the specialist that makes a market in the securities of the subject company"

Can you please explain what this means and whether it is significant?
Thank you
Read Answer Asked by Terry on November 02, 2022
Q: My floating rate mortgage is now approaching 5%.

Do you think it is better to invest in some of the strong companies that are currently at good prices, or to pay extra toward the mortgage?

Thanks!
Read Answer Asked by Kevin on October 31, 2022
Q: Good morning, what ETF's would you advise for a new portfolio today. Mid age investor, including sector allocations please. TFSA and Non reg'd accounts

Thank you
Read Answer Asked by L on October 31, 2022
Q: I recently read a short article on CDR’s on the NEO exchange designed, by CIBC, to gain access to American companies without worrying about currency exchange. What is your take on CDRs and how does one access them?
Read Answer Asked by Lloyd on October 31, 2022
Q: When assessing income/dividend stocks, I would like to look at the total return of such stocks over a period of years, say 5 year. Do you know of any free web sites that provide such information? ......Thanks....Tom
Read Answer Asked by Tom on October 29, 2022
Q: Do you have any insights on financial planning/stock tracking software that can track various accounts and stock performance across institutions? ...and with the input of financial variables (inflation, spend etc) provide updated information on meeting long term targets. I struggle with financial providers (hide fees, limit what you can see etc) and cannot get a comprehensive picture of my financials.
Read Answer Asked by Dave on October 23, 2022
Q: Has tax loss selling started? What is your take on Tax loss selling in this most unusual year.?
Read Answer Asked by Guy R. on October 22, 2022
Q: Hello, I hold BEPC, CSU in my Canadian account. I thought it was mentioned in the past that the shares can be kept in the CDN account but dividends can be put in the US Acct to avoid brokerage fees so I called TD Waterhouse and they said it’s not possible without transferring the shares to the USD Acct. Did I misunderstand? Is there another way around this?
Read Answer Asked by Chris on October 19, 2022
Q: Hello 5i,
Please tell me where, on the 5i site, can I find the "Market and Report Updates!" that I am sent.
Thank you
Stanley
Read Answer Asked by STANLEY on October 19, 2022
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