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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: Am retired with a cash account full of utilities, banks , pipes, reits, telecoms etc. for income. Over the last 6 months have added BN and GSY for more growth. Have targeted the following growth stocks for next purchase :

XIT : basket of CDN techs
LMN : a mini CSU
EQB : Stephen Smith involvement
TSU: speciality insurance
TCN : faster growing US south residential real estate

Your opinion of each would be appreciated. What is your order of buying based on valuation and growth potential ?
Thanks. Derek

Read Answer Asked by Derek on September 07, 2023

Q: Retired, dividend-income investor. I have funds available over time to invest in / top-up some of my positions to meet long term asset allocation targets. I plan on continuing to invest these funds over a number of I have been over the past 8 months.

The question is = in what order do I buy the following = XST, XIT (several BNN-ers say to avoid adding to technology at this point), BCE, BNS, LIFE, ZUT.

One method is to wait for these securities to hit my price targets (based on hitting a combination of fundamental and technical targets (a little bit is kind of bottom-feeding).

A 2nd method is looking at setting the order of buying, based on where one thinks each security is relative to their historic value.

Ignore asset allocation...these are smaller amounts and the AA is reasonably good right now.

My suggested order, subject to where each security's price is at (please shoot holes in my plan):
Sept = BNS,
Oct = XST-#1 (in 2 tranches-spread out),
Nov = ZUT-#1 (ditto),
Dec = XIT-#1 (ditto),
Jan = XST-#2,
Feb = ZUT-#2,
Mar = XIT-#2,
As each hits their price target (minor adds) = BCE, LIFE.

Please state your order and why.
Thanks...much appreciated...Steve

Read Answer Asked by Stephen on August 29, 2023

Q: ETF to invest in AI in Canada .

Read Answer Asked by Scott on July 25, 2023

Q: I would like to dip my toe into the AI waters using an ETF several of which you have mentioned. Unfortunately they are all on the NYSE.Am I wrong, as a Canadian, in avoiding the NYSE for fear of endless red tape and possible US taxes? I assume that there are no AI ETFs on the TSX or you would have mentioned them, I may have missed them.Thanks in advance and for all your great work.Rick

Read Answer Asked by Rick on July 24, 2023

Q: For a RESP rebuild with 5 years till 4 annual withdrawals start, to achieve a higher total return with lower volatility, do you think the above stocks will reach the intended goal. Thank you so much

Read Answer Asked by Richard on June 30, 2023

Q: I manage my daughter and her husband's investments. They currently own the above equities (except XST), plus fixed income. I would define them as conservative investors.

Regarding their asset allocation, I am still in the process of building out their portfolio. They are a little light on Consumer Staples. I was trying to find a suitable ETF and came up with XST.

Q#1 = What are your current thoughts on XST? The constituent holdings actually look pretty good. The various rates of return also look good.

Q#2 = Are there other ETFs that I should consider? I couldn't find a BMO version. I have read the past questions on XST and it appears to me that XST is the front runner (compared to VDC and XLP), when looking at past performance.

Thoughts? Agree?
Thanks for your help...much appreciated...Steve

Read Answer Asked by Stephen on June 14, 2023

Q: What Canadian companies whose share price could benefit from the AI phenomenon do you know of ?

Please provide some colour to each , such as % of sales, specific AI capabilities etc.

Are there any CDN ETF’s , other than ARKK:CA that you would recommend ? This would be for my TFSA where I put my riskier investments.
Thanks. Derek

Read Answer Asked by Derek on June 13, 2023

Q: Hi 5i,
I have a few of questions about a few tech ETF's - please deduct as many points as you think appropriate.
In comparing XIT to TXF.B I note that XIT has a better 5 year annualized return (16.03% to 7.87%) but TXF.B has outperformed XIT over the past 3 year annualized period by 10.23% to 8.38%. In addition, TXF.B pays a very healthy distribution (over 9% annually) while XIT pays none. And then finally, XIT is all Canadian and has over 75% of its NAV wrapped up in 4 names - CSU, SHOP, CGI and OTEX.
All that being the case, I wonder:
Is XIT too dependent on just a few names that are all in one geography to have the safety one expects (hopes for at least) in an ETF, both looked at in isolation and also when compared to a name like TXF.B?
XIT obviously hit it big with those 4 names (and especially CSU I'd think) but is its good return likely to continue into the future with so much reliance on so few contributors, all of which are in Canada?
Is there a site that does the hard work of comparing the actual returns of ETFs by analyzing the combination of capital gain combined with the contribution of distributions so that it's possible to get a true idea of the performance of an ETF like TXF.B with its 9% /year distribution compared to XIT's zero payout? and finally:
Between a hedged ETF like TXF vs an unhedged ETF like TXF.B which have identical holdings, which would you expect to do better over the next 3 years or so, and why? I note that unhedged TXE.B has outperformed hedged TXF over the past number of years, and I wonder if you think this trend will continue.
Thanks 5i, I look forward to reading your thoughts.

Read Answer Asked by Peter on April 10, 2023

Q: I have in my wife's TFSA: BIP.UN, SIS, SPB, STC and ETF XIT. First 3 holdings for long time. STC down 78% - ouch, XIT about even now but holds two dogs LSP and SHOP. Was thinking of selling STC and XIT and buying AD.UN and KMP.UN. We are holding $72K in cash as well. Ideas/suggestions appreciated. She already owns GSY and GRT.UN in RRSP - purchased last year. A lot of stocks are up a fair bit - so, do not see any bargains.

Read Answer Asked by James on February 14, 2023

Q: If you were to consider 5 sector ETFs based on current price and future prospects, what would they be?

Please recommend your favourite ETF for each on the TSX unless it's only available in USD.

Would the beaten down USA sector (eg. XUU) be part of your thinking?

Read Answer Asked by Kevin on January 31, 2023

Q: My son has a small portfolio consisting of two ETF’s and seven stocks (CN, AAXN, NVDA, CRWD, DDOG, DIS, TTWO). We have picked stocks that have good potential, but that are also fun for him to follow. He is using the ETF’s to give his portfolio some diversification with 20% in ZSP and 15% in XIT. He is investing for the long term. He now has some extra cash to buy another stock or two. Would you have some suggestions? We are also thinking of selling XIT and splitting the proceeds between CSU and maybe one other stock. Any suggestions or recommendations would be appreciated. Thanks.

Read Answer Asked by Kim on January 23, 2023

Q: Hi

Thank you for your reply below.

We will not be selling our BRK,B.

We can not afford to buy a worthwhile position in CSU without selling BRK.B.

Another factor is that BRK.B is in our RRSP accounts, and the capital gains becomes an issue if we go to our cash accounts.

Would it make sense to add to XIT as CSU is its largest holding.

Its a situation of having champagne taste on a beer pocket book.

Thanks again


Hello I am low in Tech and high in Financials. Thinking of selling my BRK.B and buying CSU. Your comments or your suggestions are most welcome. Thank you Mike

We would consider both of these to be very high quality stocks, and would be fine with this switch if it matches one's sector goals. Because BRK.B is so solid, though, we might consider swapping something else if there are other financial stocks to choose from.

Read Answer Asked by Mike on January 23, 2023

Q: When NNRG reaches my next target price, I plan to do some additional trimming (for asset allocation reasons, as well as to fund some topping up of existing positions in my TFSA.

In which order would you add to the following, based on where we are at in the market cycle and where you see the best current value: XIT, PBH, PLC. Please add a brief reason why the sequence.


Read Answer Asked by Stephen on October 20, 2022

Q: Hello,

Please recommend some total market ETFs for the Canadian market, the American Market, for growth, for income, and/or the best overall in your opinion.



Read Answer Asked by Mark on August 02, 2022

Q: Historically speaking, what is the average rate of return of ETF’s compared to individual stocks?

Read Answer Asked by Dennis on July 26, 2022