Investment Q&A

Q: Since NTR pays a 3% dividend, for tax efficiency, is it better to hold the stock in a RSP or a TFSA?

Q: Thoughts on Diamond Estates Winery please. Do you recommend for a small position in an aggressive TFSA?

Q: i HAVE ALL LOOSER IN MY tfsa,MTLO,TOI,WCP,XBC
iS ny of this worth keeping,what do I replace of if any sold
Thanks

Q: I'd value your suggestion (and reasons) for equities for my 22 y.o. grandson for his TFSA. He has room for $19,000.00. He does not need the money for at least 5 years. Thank you, Fooklin

Q: Hi Peter/Ryan, I've never held an American company in my accounts and was thinking of adding either BA or LMT in either my TFSA or RRSP account. Which company would you suggest and which account would be better for it, oh and is there a good reason not to hold an American company in either of these account. Thanks for all you guys do.

Q: I am sure this question has been asked before. As a general rule of the thumb that stocks, and etfs should be held in various accounts.
Accounts:
CAD Cash
US Cash
RSP
TFSA

I think I know that US Dividend payers should be in RSP, Growth in TFSA, but do you have a high level how to best allocate various types of Stock assets for Cad, US, and International, along with sector allocation or divend?

Thanks.

Q: If you only had one choice between KXS and TOI which would you buy today and what would be the portfolio weighting?

Thanks

Peter

Q: Hi group is there any holes in a strategy to transfer all my money out of my TSFA late Dec every year then in early Jan of the following year transfer the money back into TSFA ? from my unregistered cash account - yes i understand that Capitol gains will be due and payable-(i would try to sell the losers first before doing the transfer- does this make any sense with the focus on saving tax- thanks for your guidance on this

Q: In Nov 2020 you mentioned that DMG was to small and risky.Do you still feel the same way for an investment. Avalon I noticed has been up and down, Rare earth minerals. Any news going forward and would you invest for future or are there better one to invest. EV market etc

Q: Hello 5i,
As I approach 70 years of age I am trying to prepare for my impending RRSP - RRIF conversion. One move I am considering is to move VIG over a period of years from my RRSP to my TFSA. The rationale is that it is a relatively low dividend stock but the capital appreciation is huge - I am currently up about 76% - and this means the increase in VIG value affects my minimum withdrawal required each year while contributing relatively little in the way of dividend income to cover the mandated minimum withdrawals.
One note - for the past several years we have been taking our TFSA contributions from our RRSP's but seem to always end up with a tax refund anyway, so we are not so concerned with the tax issue on that front.
So, to the question (finally): do you see any problems at all in such a move for VIG or any other U.S. ETF or Global ETF? The withholding tax on U.S. holdings in the TFSA is not an issue. Any other comments or suggestions?
Many thanks!!
Cheers,
Mike

Q: I have a TFSA with RBC and another with TD. If I switch the RBC to TD will RBC charge a fee for the change and if so how heavy a levy?
Are there any other consequences re such a change as far as the tax free nature of the investment is concerned?

Q: Can I buy XRP (Ripple) in my TFSA?

Q: In 2019, a TFSA account had the max contribution to date of 63,500. Then 20,000 was withdrawn later in 2019. No contributions were made in 2020,2021 which had 6000 limits. Would the max allowable contribution today be 32,000?

Q: Hi Team, is there any drawback in owning US stocks in a TFSA or RSSP account. Thanks

Q: 18 year old making first tfsa contribution what would be your top 3 stocks

Q: there are often questions about replacing positions in a TFSA by way of transfer outs. but then there is mention that there will be a need to wait until the next year to contribute to the TFSA to replenish for this transfer out.
just want to say, to get around this waiting period, I transfer in cash or security one day for the slightly more than I expect to transfer out and then the following day, transfer out the position and then the following day, make an adjustment for the difference between the the transfer in amount and the transfer out amount.
for me, been doing this for some time, aka years, and all is well.....just a heads up but use you own judgment .....Tom

Q: would BAM.A be better in a TFSA or RRSP?

Thanks

Q: Good morning, could you highlight the types of investments and how best to acquire them, that are most ideal to be held in TFSA to minimize any foreign tax issues.

Q: For these three companies, would they be good candidates for the TFSA, knowing they are smaller capitalization entities? And if so, what order would you suggest doing so or all somewhat equal.
......Thanks....Tom

Q: Hi guys. First, thank you for the great advice and it is a pleasure to belong to 5i Research. Based on percentage, how much US or foreign stock/ETFs can I have in my TFSA without having tax implications when I sell? Or, are there no tax implications because the investments are in a TFSA? Thanks.
Mike