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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: Just wanted to say that successor holder for TFSA can only be spouse otherwise has to be beneficiary. Beneficiary will get the money whereas successor holder can merge the TFSA market value into their own TFSA.

Thanks for all your work.

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Q: If I may add my two cents worth to the question from Valdis re RRSP or RFSA, another advantage for the TFSA is estate concerns. When a person passes on, should there be say, $100,000 in an RRSP or RRIF, that RRSP or RRIF will be added to the final net income and therefore, attract a huge bill from the tax man. On the other hand, the TFSA will be passed on to the heirs tax free. In this situation, an individual is better off to convert as much as possible from his/her RRSP/RRIF to the TFSA, depending on the current income tax situation (take every opportunity to do so). The TSFA is, of course, paid with tax paid dollars whereas the RRSP pre-tax dollars.

5i Research Answer:
Good point; thank you. It is best to name a successor holder to facilitate the tax free transfer. Otherwise, income generated post death may be taxable.
Read Answer Asked by Mayur on May 30, 2017
Q: If I may add my two cents worth to the question from Valdis re RRSP or RFSA, another advantage for the TFSA is estate concerns. When a person passes on, should there be say, $100,000 in an RRSP or RRIF, that RRSP or RRIF will be added to the final net income and therefore, attract a huge bill from the tax man. On the other hand, the TFSA will be passed on to the heirs tax free. In this situation, an individual is better off to convert as much as possible from his/her RRSP/RRIF to the TFSA, depending on the current income tax situation (take every opportunity to do so). The TSFA is, of course, paid with tax paid dollars whereas the RRSP pre-tax dollars.
Read Answer Asked by Fred on May 30, 2017
Q: i agree with stevens question on knight.
i owned 40,000 shares of knight, i have been in since 6.00, now i have only 12,000 shares.i did well but honestly i expected more.
it is unlikely that jonathan goodman will do anything with his 760 million stash in 2017 , he is looking to buy something for almost nothing and what bothers me more than anything, is he raised money 4 times diluted the stock each time and then did nothing with the money and he clearly states it is a stock for your grandkids, so we could be waiting a decade or more and he also says paladin took 19 years to payoff.
my question is do you think maybe you are being too optimistic on this company especially since you have it in 2 portfolios.dave
Read Answer Asked by david on May 30, 2017
Q: Today's Globe has an article about the value of Laurentian Bank and Canadian Western Bank following their share price reduction in the wake of the Home Capital debacle. Would you view either as a long term hold and which would you prefer?
Thanks.
Read Answer Asked by Steven on May 30, 2017
Q: I assume that the price of AW is declining in response to the perceived slower growth of the company. If this is the case, would it then be viewed as similar to that of Boston Pizza? If that is the case, what might we expect the share price to be when a multiple similar to that of Boston Pizza is applied?

Appreciate the insight.

Paul F.
Read Answer Asked by Paul on May 30, 2017
Q: I have owned the above US ETF's for several months in contemplation of the supposed TRUMP build out. It's not happening and I'm not satisfied. For a major change I am considering TJX, COST, V, DEO & AAPL. How would you rank & what other individual cos. would you recommend. Thank you.
Read Answer Asked by Robert on May 30, 2017
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