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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: Can you recommend a few US-listed ETFs for a US citizen living in Canada with a Canadian investment account (to avoid problems caused by US PFIC rules)?
Mainly looking for ETFs to track the main indexes.
Thanks.
Read Answer Asked by Martin on December 15, 2025
Q: High level and subjective question about CSU. They historically bought mature slow growth SASS businesses with very little organic growth. Now the market perceives a risk that AI will disrupt their businesses. CSU will need to innovate rapidly to meet this challenge, BUT, CSU does not have a culture of innovation. Do you think CSU can rapidly become innovative at scale when that is so far from their core competency? Do they have the DNA to innovate AI into their businesses?

Thanks.
Read Answer Asked by Joel on December 15, 2025
Q: As TD has just added some commission free ETFs, I'm thinking of using TPU to add to my US holdings. I've previously used ZSP. Despite ZSP's being the 500 with TPU's being the index, they seem to have performed pretty much in tandem. Am I missing something in thinking it's fine to hold both as long as my total US holdings are in line with my desired percentage? I have no individual US stocks.
Read Answer Asked by M.S. on December 15, 2025
Q: I am trying to reduce the number of stocks in my portfolio. I hold both these but in small quantities. No tax consequences. Any reason to keep or add to either ? Thoughts on one stock to consider for replacing them, please ?
Read Answer Asked by Alexandra on December 15, 2025
Q: At what price would you initiate a position in these stocks or would you avoid any or all of these?
Thank you
Read Answer Asked by John on December 15, 2025
Q: Hi 5i team,

Among the tech giants, I own NVDA, GOOG, and AMZN. I have a high level of confidence in NVDA and Google, but not the same level for AMZN. My reasoning for owning AMZN is its upside potential, I think, driven by operational efficiency improvements and advertising revenue growth, despite cloud competition. I belive MSFT has the most resilient business model for compounding with diversified revenue streams and a clear path to AI monetization. The case for AAPL is its business and ecosystem, and it is a potential winner if AI doesn’t pan out as expected.
All of them are buyable and ownable, and I would appreciate your input on which three stocks you are more confident in for a long-term hold and why.

Best,
Matt
Read Answer Asked by Matt on December 15, 2025
Q: We have owned this stock for a very long time (4000 shs) - small position - down about 26% this year. Tax loss selling probably has something to do with this decline. Is the dividend secure? CIBC I. E. shows over 200% payout ratio. Thinking of buying more - what do you think?
Read Answer Asked by James on December 15, 2025
Q: Hello, I am considering adding to my oil & gas exposure and of the list which ones have the highest growth potential, a clean balance sheet, and have insiders buying? And, which one(s) would be a take over target or sold?
Thanks
Carlo
Read Answer Asked by Carlo on December 15, 2025
Q: Seasons Greetings,

1) What do you make of the recent numbers?
2) Would you buy it for a 3 year hold or will AI be nibbling away at it's breakfast, lunch and dinner?
3) If so, what sort of price would be attractive bearing in mind it seems to have pulled out of it's nose dive with a more positive 2 week chart?

All the best,
Read Answer Asked by Arzoo on December 15, 2025
Q: A month ago, in your answer to Ellen, you recommended MSTR as a replacement for IBIT for tax loss harvesting. Unfortunately, it turned out to be a bad advise, as MSTR dropped over 21% vs. IBIT drop of 11% since. You repeated the same recommendation in your answer to Lai Kuen 3 weeks ago, but this time you mentioned that MSTR's "NAV could erode further below 1X"... can you please explain why would NAV erode below 1X? It seems counterintuitive for the company with NAV tied to the Bitcoin price. I am aware of the risk of removal from Nasdaq, yet, it appears that MSTR is in a freefall these days.
Read Answer Asked by Michael on December 15, 2025
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