Investment Q&A

Q: Hi 5i Team - With gold up substantially the past year or so and now that gold stocks seem to be participating more, I am interested in taking a small position in a few junior exploration companies. I already have two mid tier producers. Are there any exploration companies that that you may be aware of that have reasonable funding and potential for decent discoveries. Past successes of management would also help. Or is there a reputable site or publication that might cover this sort of thing. Thanks.

Q: I was on forums looking at a question about parking US cash. The discussion was between Rob and Jeff dated Feb. 4, 2025. It seemed from my understanding that you can have T Bills that pay about the best rates and at that time it was 5% plus. I have accounts online both US and Canadian. Are these US online accounts set up to buy T Bills like I buy a stock? Thanks so much.

Q: Good morning, In a recent question I inquired about brokers that held U.S. stocks in U.S. funds in a RRIF accounts . I asked this question, as much to my surprise Wealthsimple does not hold U.S. stocks in U.S. funds in a RRIF account. They are held in CAD. I am looking at Qtrade and TD invest for this account. Is there a preference? Open to any ideas. Thank you.

Q: Only Canadian dividend stocks own in non-register account qualify for the Dividend Tax Credit? Am I correct?

Q: Can you please give me your Top 15 dividend stocks that qualify for dividend tax credit.

If possible at least one in each sector

Thanks for your great service

Q: When can we expect the next investing and economic report card and if there was a recent one ,where can we find it?

Q: I have heard some commentators talk about the possibility that the US could institute capital controls. How realistic do you feel this is?

For Canadian investors, how do we protect ourselves against this possibility?

Thank you again for this excellent service.

Q: When you publish your monthly portfolios it would be helpful if you could also publish the end of month dividend yield and price per earnings of the Tsx and S & P 500.
Thank You

Q: Do you think if US tax gets approved then lots of international investors would sell off US dividends stocks or it would impact all the US stocks.

If there is impact do you think international investors would move to CDN or Europe or which markets they would invest.

Thanks for your great service

Q: Dear Peter et al:

It is not Rocket science that Trump's not so cryptic messages on Social Media create wide fluctuations in the market. Today it centered around EU. It could be about Japan tomorrow. Who knows?!

My question is: Are these wild fluctuations in the market caused by retail investors or Institutional investors. In other words, who exhibits "herd behavior", retail or institutional investors?! Do you see any specific pattern, especially in specific sectors?
In one of your recent answers, you had warned to be cautious about Discretionary sector. Hence this question.

Q: Is there a "safe" way for Canadians to invest in Chinese companies either with ADRs or ETFs?

Do you have any specific recommendations?

Q: My total portfolio is diversified between equities and fixed portion. It has mutual funds, etfs, individual stocks, bonds, cash. What are your comments on position sizes for mutual funds, etfs and individual stocks? Thanks in advance for your all your very valuable comments.

Q: Dear 5i
I have considerable cash yet in my portfolio and have been doing some buying of late , easing back into the market .
I feel that the worst is likely over but with Trump and his tariffs how can you know for sure . My one concern still is not ,so much what additional tariffs could be added but what will be the near future effects of the current tariffs that are in place . Even with no additional tariffs the ones currently in place once in effect are likely to cause increased inflation , higher prices , higher unemployment and the potential for perhaps a mild recession . That said , is it wise to be buying a whole lot now and be mostly invested or would it be prudent to be maintaining steady buying , regardless of the potential for the negative consequences of the tariffs once they take effect ?
Thanks
Bill C

Q: For the long term what are your top 4 Canadian picks excluding Tech & commodities?

Q: The market is more complicated than ever. Taking into consideration that we have had a big bounce from lows, what sector right now would you say offers the most value, where a year from now we will say, "wow, that was a real buying opportunity?" Any screaming buys? Thank you!

Q: Healthcare is doing terribly. When this happens should one sell positions or just hold good companies into the decline knowing the tide can turn at any time. I have a hard time knowing if I should be selling companies in sectors that are not working and reallocating money to say financials or industrials. Thank you!

Q: Hi 5i,

In response to Marcel's question today:

"Do you have or know of a good website for calculating or forecasting of how long assets in a persons retirement will or should last in years?"

I've found these site good:

https://www.financialmentor.com/calculator/best-retirement-calculator

And,

https://www.dinkytown.net/java/retirement-planner-calculator-canadian.html



The first one is more flexible as you can add in holders for CPP and OAS, indexed for inflation. It also allows one to adjust GO, SLOW GO, and NO GO withdrawals.

On a separate note, can we create a specific blog for retirees? I for one are getting close and it would be nice for members to share investment planning tips.

Thx.

Q: Thanks for your RRSP & LIRA information

Please advise how do I check which CDN dividend stocks are eligible. I am in Ontario.

1) Currently I own TD, BNS do they qualify.
2) Do all the stocks in Income portfolio qualify
3) Please share few examples or website that has the list of stocks.


Your answer ( If a Canadian owns ONLY Canadian dividend stocks with eligible dividends, they can earn $48,000 or so completely tax free (the amount varies by province)

Thanks for your support and advice

Q: I am retired with no monthly income. Only income last year was from capital gains. Should I continue using Capital Gains or withdraw RRSP or withdraw LIRA.

I have RRSP and LIRA and was thinking of withdraw monthly from one of them. Which one is best option to withdraw money first. I have 250k in each account.

Is there any books or video that you can suggest.

Thanks for your great service

Q: Can you please give your input regarding new MIX ETF from Hamilton.

Thanks for the great service