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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: Can you help me understand why one would hold a company like Amazon with a 10% return in the last 12 months and 40% increase in the last 5 years compared to an ETF like VOO with a 20% return in the last 12 months and 73% increase in the last 5 years?

Where I struggle is, why take on the added risk of holding an individual stock compared to a diversified ETF? Clearly it’s shown to out perform the individual stock.

I understand holding both are likely ideal, but can you provide a reason to not sell Amazon and add to VOO? Thank you
Read Answer Asked by Nick on March 11, 2026
Q: Could you translate your answer to JR on GSY from " business speak " to " plain english " for me ? Specifically define what a " Charge off " is ? .....What the charge off was ? Why it is significant ? { the 14% number } .... Why are they expected to decline in 2027 ? ..... What a " breach of covenants " is ? And what are the breach of covenants are in GSY's case ? And why is this significant ? And what the the statement " it has signed agreements " to provide relief means ? ........ And what all this has to do with Lendcare ? .....Thanks for your terrific service ....

{ On the upside . thank you for your previous answer to me regarding position size . By cutting my position in half this has been a lot less painful } ...
Read Answer Asked by Garth on March 11, 2026
Q: Thanks for your comments today on GSY. Just a further concern.

We are seeing these negative events happening now. What happens to GSY's business if we go even deeper into an economic downturn ? One could argue that the economy isn't currently great now, however we've seen it get way worse in the past. GSY was down about 76% from highs (worst case) in the past. Since the Sep. '25 highs, we're closing in on that point here. Your comments on that scenario ?
Read Answer Asked by James on March 11, 2026
Q: Greetings 5i, would you add to an existing position in TFI International or start a new position in Canadian National Railway? Would doing both provide good diversification in transports or would you look at something else? ? Thank you.
Read Answer Asked by Barbara on March 11, 2026
Q: I need to hold cash for 1 yr (HSAV is interesting but it needs to avoid a significant premium vs NAV + yield is quite modest...) .Could you suggest 3 stocks + 3 ETFs with dividends and with a very favorable entry price at the present time,that would meet this objective and would offer "acceptable stability" in this volatile world politico- economic environment ? Hoping that this is not an "impossible question " to answer !
Read Answer Asked by Jean-Yves on March 11, 2026
Q: hello 5i:
I've held CRM for a number of years and have a good gain on it, albeit nowhere near what it was. I am content with the amount of tech in the portfolio overall, but am a little light on consumer.
The question, realizing that SHOP is not purely a tech play: do you see SHOP as having a better return forecast than CRM? Can you elaborate?
thanks
Paul L
Read Answer Asked by Paul on March 11, 2026
Q: I have good tech exposure in my portfolio through GOOGL, MSFT, NVDA, SOXX, XIT and market exposure through VCN, WXM, and XEQT.
I would like to know your suggestions for the above mentioned ETF's for a time frame of 2-5 Years.
Read Answer Asked by Satish on March 11, 2026
Q: Hi, I’m looking for 2 ETF’s suggestions, that is mostly out of Canada, as all my stocks are on the TSX. ( RY,ENB,BN,CSU,etc.) Looking at a mix of U.S. and other countries. Retired so has to be somewhat conservative with a 2%+ dividend while I wait. Could be a balanced etf for a little growth and safety. I was looking at TGRO, as an example, but maybe it is too much risk? your thoughts, thanks
Read Answer Asked by Brad on March 11, 2026
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