Investment Q&A

Q: How would you rank from best to average, BN:CA, BMO:CA, BAM:CA, TRI:CA and SLF:CA for my grandchildren's TFSA. The TFSA contents would be given to them in about 10 to15 years.
Thank you,
Frank

Q: Sometime ago, there was a question requesting your suggestions about ETF's for a young person just starting to invest in a TFSA. Unfortunately, I couldn't find it.

Wondering about ZWC and XUS (50/50) for my 19 year old grandson's first investments in his TFSA but any other recommendations would be appreciated.
Thanks as always for your assistance. It is appreciated.

Q: What to do with $10864 in TFSA? At 74 years I exist on a public sector DB pension.

Transitioning my TFSA to be more growth focused. 14 holdings currently, major ones being BN, TRI, TFII, TVK, KXS, TOI, EQB, LMN, DSG, PNG, DRX, REAL, S, EGLX. Also have 41 equities in much larger balanced dividend growth non-reg account but Brookfield Group is pushing 15% of total portfolio with overall 65% Canada exposure. Overall below sector targets in consumer cycle, health, RE, Industrial, Utilities as well as International exposure.

Realizing you cannot get personal but I am looking for another viewpoint on how to use the funds in TFSA this year besides adding more Brookfield or software or financials. With available funds could only add 4 units of CSU anyway.

Q: I am looking to move away from some under performing stocks and looking at these as replacements. Any concerns? Ones you would prefer?
thanks so much.

Dale

Q: Have made my tfsa contribution for 2026 and trimmed some winners and added some themed growth ideas.
It's now a decision to add MDA or CGY. Both are performing well which would you choose or split the position between them both at this time.
Thanks
David

Q: Hi Group looking at selling FFH+ GSY+BYD ( While I still have some profits in BYD and FFH...GSY seems like dead money down 20% and use funds to start positions in CLS And GDXJ Both would would be in my TSFA) what do you think? looking for Max growth in my TSFA...Also what would your top 3 picks be using this same criteria ....PS am 74 years old

Q: Hi 5i team, Thanks for the amazing work you do !
I have an 18 and 20 year old. Would like your recommendations for sticks to invest in for Growth. They invested in SBET last year but SBET went down drastically. Would you recommending selling, holding SBET? They both have 7K to invest in their TFSa’s . What stocks and proportion do you suggest? Thank you, please as many credits as needed.

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: My daughter is starting a TFSA and as a full time student she doesn't have a lot of time. I have suggested a couch potato based strategy with rebalancing. I believe there are now ETF's that incorporate the whole strategy and the rebalancing and I am wondering if you have a few options to suggest with Canadian equity, international equity and a smaller bond component. Also if she wanted a buy once and hold forever type stock, what might be a few stocks to look at?

Hopefully this question goes through - I wrote up a similar one and even though it said success after submission the credits have not reduced and I don't see anything. I think this may have happened twice.

Q: I am hoping someone in the large 5i family will know the answer to this question regarding holding a TFSA account on TD Direct investing. I have used RBC for my TFSA in the past and held both a Cdn and US dollar TFSA. When I want to add my annual contribution on RBC I am able to transfer either Cdn or US cash from my cash account into the TFSA, as long as I take care to properly calculate the US to Cdn converstion rate, so a not to over contribute. It has always been a simple transfer online.
Now that I have both a Cdn and US TFSA on my TD Direct Investing account, I've been told that I have to sell the US dollars I have in my TD cash account, transfer the amount to my Cdn TFSA and then buy US dollars within my TFSA account if I want to hold US securities in the TFSA US account.
I'm sorry if this sounds confusing, but I am puzzled as to why TD makes you convert US to Cdn and then back again to top up your TFSA. If anyone has experience with TD (I'm a newer client of theirs) and can let me know what I am misunderstanding here, I would appreciate it.
Many thanks!
D

Q: Topping up my TFSA - have narrowed it down to one of the above companies. Which one would you choose and why?

Q: What would be your top five stock choices to add to a TFSA today, regardless of sector and geography? Thank you.

Q: I have 12 thousand to add to my tfsa what stocks would you recommend.

Q: At current levels do you think TOI presents a good entry point for a long term holding? Alternatively, do you think GLXY may be a good option for a more hands on holding?
The context is a TFSA account where losses should be avoided and the goal is to achieve above market returns. i.e. the alternative would be a market ETF.

Q: A few months ago, I purchased a small position in GLXY, in a TFSA.It is down about 40% and it is now well below 1 % of our overall portfolio. A current contribution results in some new funds being available. I am considering adding to GLXY or alternatively moving on to SVM. Dividends are not a priority, and the objective for this account is good growth, with accepting some measure of risk. .Which of these 2 do you think is the better route to go? Also, do you think the recent regulatory change in China regarding silver is an impediment for that company; if so, is there another silver play that you would prefer?Thanks so much for your excellent service.

Q: Happy New Year!

I am looking at where to deploy my TFSA contribution for this year and would be interested to hear your thoughts. My largest position is BN at close to 5% so I am thinking of adding to my smaller positions listed above. If this were your portfolio, would you add this year's $7000 to one stock, or add smaller amounts to two or three stocks? Or, would you only add to BN as it is still at a sleep at night percentage?

Thank you!

Q: In my TFSA, I have a double position in BN, and full positions in POW, SIS, PPL, CSH.UN, TRI and BAM. I also have half positions in AFN (which I know is not your favourite) and DSG. Would you add to one/some of these (which?) or add something different. After my 2026 contribution, I will have enough cash to about a half position. I prefer to consider Canadian stocks for this account.

Thanks for you help.

Q: I want to have my TFSA grow bigger. Of the stocks listed, in what order would you add them to the TFSA? How long of a hold do you suggest, and what are target prices you'd be comfortable with? Is it better to wait for a pullback? Take as my question deductions as needed.

Q: I would like to contribute an existing holding from my non-registered account into my TFSA in early 2026, but am unsure about which holding to contribute. Which of these do you think makes the most sense to move into my TFSA based on potential upside/income? I have a long-term 10+ year hold period. Thanks!

Q: I’m doing a fairly major portfolio clean-up and account optimization exercise.
Specifically, I’m removing dividend-oriented and income-generating stocks from my TFSA and RRSP that are better suited to a non-registered account, and reallocating TFSA/RRSP capital to assets that benefit most from tax sheltering.

At a broad level, I’d appreciate your perspective on:

• Which CAD and USD names are best suited to an RRSP (e.g., U.S. dividend payers, global compounders, cyclicals, etc.)
• Which CAD and USD names are best suited to a TFSA (long-term growth, compounding, low income leakage)

I’m less interested in yield optimization and more focused on long-term after-tax efficiency and proper account placement.

If helpful, feel free to answer at a category level (e.g., “U.S. dividend aristocrats,” “Canadian compounders,” etc.) or with specific examples you think are particularly well-suited.

Thanks — looking forward to your thoughts.