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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: Hi 5i,
Hold the above companies in my TFSA ($30,000). % holdings around 10% for each, except CAE, OSS TRI, AD which are 3% - 5%.

Looking to deploy $5,000. Looking at d-un, dir-un, Telus & Fortis.

Safety and Income preferred, as in mid 60's. I would certainly welcome any other suggestions.

Thank You.


Larry
Read Answer Asked by Larry on September 05, 2019
Q: This is regarding Douglas' question today about selling US listed stocks held in an TFSA. It is my understanding that any buy and sell in an TFSA account, Canadian or US listed, are not subject to tax, and has no bearing on next years's contribution room as long as there is no withdrawal. Please clarify. Thanks
Read Answer Asked by Willie on August 22, 2019
Q: Regarding TFSAs and the withdrawal rule. (I have asked my broker and researched the CRA site, unsuccessfully).
If I transfer an inter-listed Canadian stock to the US registry, and then sell it, what is the contribution room in the following year? Is it the C$ equivalent of the sale, at the time of sale, or the C$ amount at the time of transfer, or the C$ equivalent of he sale proceeds at the time of re-investing? And what exchange rate would be used...…..bid, ask, or middle?
Read Answer Asked by Douglas on August 22, 2019
Q: My wife sold three longtime holdings in her RSP to free up some cash for future promising purchases. The next day she purchased the same stocks from her cash balance in her TFSA. Are there any particular implications to doing this that she should be aware of, other than usual portfolio diversity and weightings.
Read Answer Asked by John on August 15, 2019
Q: What portion of the dividend is withheld from US stocks in your TFSA and is there any tax consequences with that
Read Answer Asked by Greg on August 12, 2019
Q: I hold the above in my TFSA. I treat my TFSA as part of a total portfolio so although each is about 20% of my TFSA, my overall weight for each is 3% in my total portfolio. Needless to say my TFSA has not performed well this year. Each of these companies (Except for ZQQ) seems to have lost significant value this past year. 5i seems to still like these names but I am starting to think that they are going the same path as some previous darlings of 5i. So my question is: with a 5 year outlook, should I continue to be patient or sell any of these and move on.
By the way, I did ask a question last week and voiced my opinion on some comments....never got a reply??
Read Answer Asked by Rudy on August 08, 2019
Q: Hi 5i,
I am looking for your advice on what to buy for a new TFSA (full $63,500 deposit) at this time. The funds in this account will be required in the next 3 to 5 years. Income and growth are the objectives, within the requirement to preserve capital. Would you allocate your recommendations equally or ? Thanks!
Read Answer Asked by Heather on August 06, 2019
Q: Have a RESP with a 15 year time horizon. Looking for your recommendation on a mix of (growth) Canadian and US stocks and allocation; already have amazon.
Thanks as always for your great service!

Read Answer Asked by Gregory on August 01, 2019
Q: Regarding earlier question on seeming overcontribution to TFSA, the discrepancy most likely involves dividend reinvestments which are added to book value.
Read Answer Asked by richard on July 29, 2019
Q: Hi Peter, Ryan and Team,

In my TFSA, I have FTS, KXS, PBH, PHO, SIS and WPK. Currently I am down on PHO (30 %) and SIS (20%) and the others are doing ok. Do you think the mix is right for a long term outlook? If not, could you recommend what to swap out and replace?

Thanks again for all your great work.

Marvin
Read Answer Asked by Marvin on July 29, 2019
Q: A friend and I were comparing our TFSA results. He is a passive index type and I am a stock picker. His balance is 107K and mine is 101K. At the moment it looks like he is winning. We have both contributed the max 63,500. But our book cost or cost basis raised a question. His cost shows as 77,500 and mine at 66,092. It looks like we have both over contributed but I know I haven't and he says he hasn't ...there must be something about cost basis that I don't understand. Can you explain?
Read Answer Asked by David on July 29, 2019
Q: À Canadian citizen returning to Canada after working in Australia for 14 years. Can such a person make TFSA’s contributions retroactive ?
This would make an eligible contribution today of $ 63,500.00
I cannot find an answer to this question anywhere.
Thanks
Read Answer Asked by Luc on July 25, 2019
Q: I have about 20% cash in my TFSA. Other holdings are AQN, MSI, BPY, ENB and CGX. Would like to deploy about half the cash into one of AFN, NFI, CGY or FSZ. What would your pick be?
Read Answer Asked by Kelly on July 24, 2019
Q: Hi,
Can you break down simply how you decide what types of stocks/holdings you recommend hold in which account (tfsa, rrsp, non registered). I am early 30s with a long term outlook on that majority of my holdings, all drips are used (including proxy's where needed) and all contribution space is filled each year in all registered accounts.

Thanks
Read Answer Asked by david on July 11, 2019
Q: Small TFSA started last year and now looking at bringing it up to the maximum with contributions this year and beginning of next year. Would like to try and grow it towards $100,000 and then in about 4 years transition more to income producing holdings to augment pensions. Could you please comment on the current holdings listed below and suggest where to top up, replace or add and to what %. Prefer Canadian holdings to avoid U.S. tax issues.
Many thanks as always

KXS 30%
BNS 25%
BEP.un 10%
SIS 10%
GC 9.5%
PHO 6%
TSGI 6%
GUD 2%
COV 1.5%
Read Answer Asked by Alexandra on July 05, 2019
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