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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 All at 5i!
I read an article by Jeff Booth entitled” Jolted awake from an economic fantasy “, in the Globe and Mail on Saturday. Basically, Jeff gave an example of a saver and a person who took on a large quantity of debt and kept doing so. In 2008 , when there should have been an economic reckoning ,the Saver was punished , but the indebted person was rewarded by the government pumping liquidity into the market, thus fuelling the economy with even more debt, and not allowing things to fail as a capitalistic market would dictate. So now, with this virus, and more government indebtedness, to help the country, where will this leave us? Will we be kicking the can of economic collapse further down the road? I am just trying to figure out the economic implications of all this, with my limited insight, as economics is not my area of expertise and I am getting a headache. I was hoping you could comment. I am heading into retirement, and am just wondering how I should position myself to safeguard my savings ...the market is unstable and the GICs are punishing the savers...again. Thanks, Tamara
Read Answer Asked by Tamara on March 31, 2020
Q: Please provide your views on the cannabis sector in the short, medium and long term. Specific details around “why” you are positive or negative over short, medium and long term.. would be very helpful. Also please provide your favourite picks in the cannabis sector for short term speculative trading and for long term buy and hold, with reasons why. Your guidance and service is very much appreciated.
Read Answer Asked by Meherban on March 31, 2020
Q: I plan to retire in 3 years and want to set up a portfolio of dividend paying stocks for my retirement in a non- registered account. Can you please give me your thoughts if I buy the following in 20% amounts at each S&P drop of 3-5% over the next 1-3 months. CM RY, NA, CWB, BCE, T, H, BIP, BEP, BAM.
Are there any others you would recommend today?
Read Answer Asked by Vineet on March 31, 2020
Q: Good morning,
My grand childrens' (8 years old) in trust accounts each have $60K in CASH and would appreciate your thoughts and comment on the merits of my following investment plan:
Q1. Investing $20K in each of these funds (HXS, HXT and HXQ) and not selling any of them until the children are 18 years old at which time they would each open a TFSA account and start transferring each year the maximum annual TFSA contribution allowable from their non registered account to their newly opened TFSA account; and
Q2. Assuming that you are ok with the above plan and given that there may well be still a further sell off in all three sectors, when would you recommend initiating a full or partial position in all three sectors? Thank you.
Francesco
Read Answer Asked by Francesco on March 31, 2020
Q: Good morning,
Given that CEW includes Banks and Lifecos' and assuming that low interest rates will be with us for some time, I would appreciate your thoughts about selling CEW for tax loss harvesting purposes and purchasing either an exclusively bank ETF such as ZEB or purchasing two banks with the proceeds of the CEW sale. Also, could you also recommend two banks that you would recommend purchasing at some point with the proceeds of the CEW sale. Thank you.
Francesco
Read Answer Asked by Francesco on March 31, 2020
Q: i was shocked to find numerous footnotes at the end of answers that state 5i staff own the stocks you are commenting on. I thought your major selling point was being unbiased by not owning any stocks, just getting paid for analysis. How can you be unbiased if you own the stocks? How does this make you different from the talking heads you often criticized?
Read Answer Asked by arnold on March 31, 2020
Q: Thank you to the whole 5I team for your precious help during these difficult times. I am retired and I hold shares in a corporate account of DIR and CAR with losses of approximately 30% each. The company is expected to close within 3 years. Do you think these 2 titles will go back to their paid level by then. If not, would it be appropriate to sell them take a tax loss and migrate to companies with slightly lower dividends but with more growth? I thought of BIP and BEP or BAM. If not, do you have any other suggestions?
Read Answer Asked by Yves on March 31, 2020
Q: Hello, just learned about this company ABB ltd. Apart from the systems it makes for utilities and it's automation systems, I've learned that it's into fast charging stations for electric vehicles. Good dividend yield and I'm wondering if you can provide an opinion on whether it's worth putting some funds into this stock. Thanks as always for your excellent service.
Read Answer Asked by jeff on March 31, 2020
Q: Just wondering your general opinion on these 4 stocks that were rated 5 stars by Morningstar. Do you think any of them are interesting and how would you rate them. Thank you
Read Answer Asked by Meghan on March 31, 2020
Q: In a margin account ,if you have a gain on a sell 50% is taxed on the gain and if you repurchase in less than 30days there is no discount when you sell.Does this also apply to rrif accounts.Thanks a lot for your very professional advise during these trying times.
Read Answer Asked by jim on March 31, 2020
Q: Hi team,

I'm up over 30% of CNQ in about a week or 10 days and I also own Suncor. I believe that the recent run up in the stock market and the energy companies over the last 2 days is not sustainable. I fear that the coronavirus impacts aren't fully appreciated and this will likely have a more profound impact on travel and demand for oil. I obviously have no idea if we hit the bottom or not, but given the the sharp bounce when is it ok to take your money and run, especially on Companies whose revenues are based on a commodity. I own several other stocks that I bough during the drop, including BCE, RY, TD, ENB, etc. so I will still have exposure to the upside, but in less risky names.

Thanks,
Jason
Read Answer Asked by Jason on March 31, 2020
Q: I am aiming to have a portfolio with 2 solid companies in each of the 11 sectors. Do you feel SLF and X would be sufficient for allocation to the financial sector? Or would you suggest adding a bank (RY) to provide better diversification? Thanks in advance.
Read Answer Asked by Jonathan on March 31, 2020
Q: Hello 5i Team
Are there any restrictions to the percentage of foreign equity within a RRSP? From everything I have seen so far with the merger of TSGI The Stars Group and Flutter will be OK in terms of if I can hold a UK stock in our SpousalRRSP but will it matter that it is over 10% of that account (not of all combined accounts)? I really do not want to sell it as it has not performed and I still have faith in it.
Thank you
Jeremy
Read Answer Asked by Jeremy on March 31, 2020
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