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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: Is there a book or online resources on how to manage your portfolio during retirement (or close to retirement) that you can recommend?
I have read a lot about long term investing, the economical cycles, and related weightings during wealth maximization stage when one has many years before retirement. I recently started asking myself about how that could change when a person approaches retirement and then actually retires. I still have many years before I retire but I would like to plan early.
Your advice is greatly appreciated.
Thank you
Read Answer Asked by Ahmed on February 20, 2025
Q: Good Morning 5i Team,

Retired income investor. Current funds generated keep my wife and I comfortable.
Will be inheriting a large sum in very near future. With ongoing Trump issues should I hold monies in reserve; dollar cost average or go all in.. Are we going to see a major downturn which would provide buying opportunities Your thoughts and insights on how to proceed would be most appreciated.
Read Answer Asked by Dave on February 19, 2025
Q: For now, investors seem to have decided to fade the chaos of Trumpenomics. However, one has to wonder how long the massive contradictions will be ignored.
Scott Bessent (Treasury), the man who wrote the report that identified the contradictions in the UK economy that made George Soros $billions, certainly must see the dangers, and yet, he is the source of one of the major contradictions, when he says the Fed shouldn’t lower rates while Trump demands the opposite.

Is Fed independence under attack and how will investors read this?

Are tariffs, as claimed, for revenue or to reduce imports? They can’t be both.
But if the tax cuts are to be permanent, $3 trillion in revenue has to be found somewhere.

Will Trump let a gnat like the Parliamentarian, or the Chairman of the Federal Reserve, stand in his way?

If, at some point, investors focus on the issues around tariffs-as-revenue, or threats to Fed independence they may begin to worry, and decide to sell equities.

The cost to hedge against such an event would be prohibitively expense given one wouldn’t know whether or when it would occur.

I’m sure 5i is considering these issues, but here is what I am pondering. How does an investor with a large equity portfolio manage this kind of risk? Would growth stocks be hardest hit? Are etfs better than individual stocks? What defensive stocks are likely least affected? Are there equities that would do well in such a scenario? How would bonds perform?
Read Answer Asked by michael on February 18, 2025
Q: Hello 5I, I am in my late 30s and have been a contractor my entire working life. Seeing as I have no pension, my business account is essentially my retirement fund. If you could pick 10 stocks (doesn’t matter if they are Canadian, American, or international), as potential retirement stocks (some combination of capital appreciation and yield), to potentially live off of 15 years down the road, what would they be? I do have a TFSA and RRSPs invested more aggressively.

Thanks
Read Answer Asked by Mackenzie on February 18, 2025
Q: Dear 5i Team:

I always enjoy your 5 from 5i section. Usually contain at least one if not more thought provoking articles and help me to understand the BIG picture better.

First a non-question! Who in the team "curates" these articles?! Thee is some consistency here.

From Ritzhold's article: Based on their take on opportunities, what are the stocks/sectors you would suggest? Financials? Stocks that will benefit from inflation!! Energy. I couldn't "decode" this article into actionable ideas.
Read Answer Asked by Savalai on February 12, 2025
Q: I am a retired investor and am concerned of the current state of the Markets in Canada and US.
While we go back and forth on tariffs one thing is becoming clear, the next four years will be filled with uncertainty and disruption. I am hopeful that common sense will prevail and we can move forward in a positive and productive manner, but who knows!!

Given the uncertainty around the current markets and another deadline in 30 days, is there sectors that you would avoid right now or lighten up on? How should investors prepare for this period of uncertainty?

Thank you
Tim
Read Answer Asked by Timothy on February 06, 2025
Q: Could you please provide the names of the companies in 5i Portfolios, which could see a meaningful impact on their business, in order of Major to Moderate, if the Tariffs on import of goods/oil from Canada, as announced by the US administration, starting Tuesday, continue for at least 3-6 months.

Please exclude the names which are least or not effected.

Thank You
Read Answer Asked by rajeev on February 03, 2025
Q: As a recently returned member I know you do not generally like to time the market. Situation is, my portfolio is in the hands of an advisor. I've simply not spent as much as I withdraw monthly and now have a reasonably significant amount of cash in my chequing account. Thinking of investing through RBC Direct or Wealth Simple but using my decisions based on your site for direction.
Question is...leaving the money in the account I'm not loosing anything except through inflation. I don't mind waiting given all the noise and Headlines from Trump. Am I at undo risk jumping in now? Do I wait to see what happens? Do I start to trickle in?
Thank you, Dave
Read Answer Asked by David on January 29, 2025
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