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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: Hello 5I team,
Thanks for the great service.

In my TFSA, I hold the following:
AW.UN (15.2%); BPY.UN (4.4%); BYD.UN (15%); DSG (5.3%), EMA (5/5%); ENB (10.3%); GC (4.2%); GUD (0.7%); JWEL (1.9%); KXS (7.5%); PEW.VN (1.6%); SAP (4.5%); SHOP (17.1%); SLF (4.1%); TSGI (2.6%).

I have about 12k to add to the above and I would like your thoughts on which 2 stock I should select from the above and/or any of 2 alternate selections you might suggest, I am interested in positions that would include some dividend growth, some capital appreciation, lower volatility and improved diversification. I note that my weighting in financial and healthcare are least represented currently.

Your suggestions and details for your selections are very much appreciated.
Read Answer Asked by Joseph on May 14, 2019
Q: after reading your recent market update, it appears Canadians really aren’t looking to slow down their borrowings, even thought the debt to income net of taxes is an all time high, as this ratio is now like 170 compared to 100 a few years ago.

with regulations getting tougher with the big banks, some Canadians can look to get funding from alternative lenders like Equitable Bank (EQB.TO).

in this economic environment, do you think the timing is right for EQB stock price to stream roll upwards, like bigly over the next few years?
Read Answer Asked by Tom on February 06, 2019
Q: WITH NEW QUALIFYING MORTGAGE RULES, I BELIEVE CONSUMERS WILL BE LOOKING FOR ALTERNATIVES OTHER THAN CANADIAN BANKS ARE THERE ANY STOCKS THAT MIGHT BENEFIT BY THIS CIRCUMSTANCE IF SO, WHAT MIGHT YOU RECOMMEND THANKS
Read Answer Asked by terrance on April 10, 2018
Q: Thoughts on Equitable Grp? The company has double digit revenue and ebitda growth over the last 5 and 10 years, yet trades at a relatively low PE and ebitda multiple. I know it has been painted negatively with the debacle at Home Capital but the macro outlook for alternative mortgages in Canada seems very positive to me? With the big banks forced to clamp down on mortgages with new rules coming into effect Jan 1 and Canada continuing to be a great place for immigration, particularly with what is going on in the US, won't demand for housing continue to biased to the upside? Consider this for a medium term view - say 3 years. Sometimes I get caught up in my own biases for a particular outlook so I would be interested in your views. Thanks.
Read Answer Asked by Richard on October 23, 2017
Q: Do you believe Equitable Group is an atractive buy now with its P/E a low 5.6? I am of the opinion that there is to much debt in Canada right now and we could be in a position where many people will default on their mortgages in the next 2 years as real estate prices go down and wages remain stagnant. What do you think about the mortgage environment in Canada and do you think Equitable Group is a safe investment with big upside potential?
Read Answer Asked by eric on October 02, 2017
Q: Would you recommend investing in this preferred at this time (given the drop in its price recently), and would you consider the preferred as a safer investment vs investing in the common shares. The reset is Canada 5 year bond yield + 4.78% (September 30, 2019). I am not sure, but are there any more Canada bonds to be issued going forward? If not how will the rate be set in the absence of further Canada bonds being issued..
Read Answer Asked by Joseph on May 03, 2017
Q: Isn't it a a bit too coincidental that we learn that both Royal Bank and BMO are selling uninsured mortgage backed securities, a few days before the Home Capital death spiral? You have an optimistic bias, and typically trusting towards management, so I speculate that you will answer that there is nothing much to think of it, but could you take a distrusting view on this (without being paranoid) and guess what could have motivated them to do that?
Read Answer Asked by Matt on April 27, 2017
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