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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: Google is only about 1% of my portfolio, total tech weighting in 15% of the portfolio. I'm down 30% on Google stock at the moment. It is held in RRSP. After yesterday's results and today's selloff, would you recommend hold, sell, or buy more? If your answer is "buy more" would you buy now or wait for better momentum? Timeframe 5+ years.
Read Answer Asked by Michael on October 27, 2022
Q: Hi Everyone at 5i!
I am a new retiree and hold these three ETFs as part of my income portfolio . They have all dropped in value , due to increased interest rates and the market in general. These are my really long term holds unless you foresee a problem with this idea.
Cheers,
Tamara
Read Answer Asked by Tamara on October 27, 2022
Q: Somewhat unexpectedly, I will need to raise about $200,000 in the next few months. I'm trying to think through my options and would like your perspective. I can think of three approaches, perhaps there are more. I'm near retirement but employment is secure and there is no compelling reason to retire. I own a home in Toronto that has a small remaining mortgage (less than 10% of market value). No other debts.
1. sell stocks in a non-reg account to raise the funds. Assume a mix of stocks in the red and in the black so there would be little net tax consequence. Plan to replenish the account over 5 or 6 years.
2. borrow the funds and plan to pay off the loan over the same 5 or 6 years.
3. sell stocks as in #1, but then also borrow the same amount to replenish the sold stocks over a shorter period of time, say 6 to 12 months through calendar 2023, legging in to dollar cost average. Pay off the borrowed funds over 5 or 6 years. Interest expense on the borrowed funds in this case would be tax deductible.
Part of the decision relates to expected interest rates over the timeframe and the shape of the (expected) recovery. If we assume 4 to 6% average interest rate over the life of the loan but a more significant bounce in equity markets, then option 3 makes sense. But I am not sure I've considered everything, including risk.
If you think option 3 makes sense, could you suggest 5 - 10 lower-risk stocks (dividend growth / growth) with the noted timeframe in mind. Many thanks and take as many credits as needed.
Read Answer Asked by David on October 27, 2022
Q: Could you please give me a brief list of your top chip manufacturers with production outside of China/Taiwan, and your preference(s).
Read Answer Asked by Danny on October 27, 2022
Q: Is it time to take a break from Alphabet for a while or is this going to be the bottom? Seems like there might be some better places to be for now. If yes, what would you choose right now? Thanks
Read Answer Asked by Neil on October 26, 2022
Q: Hi Team,
This is more of a general/ speculative question on Go Easy. What do you see as the "end game", or ultimate goal of this company? Do you see them as continuing to keep growing the company, as they been doing indefinitely. Expanding into the US possibly? Or do you see them being acquired by a larger entity eventually? Right now, their market cap is still only showing 1.6 billion. Pretty small relatively speaking in the banking world. What potential do you see them having over the next say 10-15yrs? 5,10,20-billion-dollar company? Just trying to gauge the potential over the long term here. Thanks!
Read Answer Asked by Shane on October 26, 2022
Q: Rec'd an email offering the following:
KEY FACTS
Canadian Government Bond
CA135087VH40
9.0% Fixed
12 Month rolling*
Interest Paid Quarterly
Minimum $100,000.00

1 YEAR TERM - 9% FIXED RATE - INTEREST QUARTERLY - LIMITED AVAILABILITY

Secure Nowicon
REGULATORY

The transmission of data or information over the internet or other forms of networks may not be secure, and is subject to possible loss, interception or alteration while in transit.

The Releasees do not assume any liability for any damage you may experience or costs you may incur as a result of any electronic transmissions over the internet or otherwise within the Site, such as transmissions involving the exchange of electronic messages of any kind (including those which may contain your personal information).

In no event will the information you provide online be deemed to be confidential, create any fiduciary obligations to you on our part, or result in any liability to you on our part in the event that such information is inadvertently released by us or accessed by third parties without your consent.

Please note that alternative and secure means of communicating with us over the internet are available to our Online Banking customers.


BMO

Does this product exist? or is another scam email?
Read Answer Asked by Brenda on October 26, 2022
Q: Hi

A few days ago I shorted TWTR at $52.00. My rational was that if the deal closes at $54.20 the downside is a few dollars and if the deal doesnt close the upside is $10.00 or more. Today Elon said the he would close the deal Friday. I also heard that TWTR would not trade Friday. I can (A) cover my short before Friday and take my loss or (B) hold on to my short in the hope that the deal never closes.
What happens to my short if I select option B? Will trading resume again, perhaps next week and I can cover my short or will Thursday be the end of trading TWTR? What happens to the shorts if TWTR doesn't trade again?

Thanks always for your insight
Read Answer Asked by Greg on October 26, 2022
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