Investment Q&A

Q: Hello 5I team, Currently have an account at Wealth Simple. Considering investing in there Classic portfolio which is a managed holding and I would pay a .35% fee.These funds would be to increase my equity % as suggested by analytics. I would possibly choose the aggressive portfolio.Can not find any performance data. Can you comment and if you could provide a possible better option.Thanks Larry

Q: Would like to get some guidance. I have ~$250K cash in a LIRA and would like to invest it in an ETF. I would like some guidance in terms of which ETF I should invest in. Should I invest in VFV or VOO?

In the long run, which one is a better investment choice for a Canadian, considering foreign exchange rates, MER, fund performance and dividend withholding taxes?

Based on my research a LIRA is exempt from the US withholding tax, similar to a RRSP.

Also, aside from the factors above that I’m considering, from your perspective are there any other pertinent factors that I’m missing?

Q: Good morning, Goats!

JPM is a favourite. With its cheaper valuation and current rate outlook it will benefit more on broad banking and scale. Is it landing on the higher valuation side of things now?

A crypto recovery, IPO’s, M&A activity, strong markets continuing. Garp and other metrics would favour GS.

What say you? Does GS actually pull away here on another steady run? Or would you still pick the more conservative and diverse JPM. If there is an alternative winner please share.

Thanks for all the continued work this incredible team does.

Q: Regarding Dawn's problem with transferring/contributing USD to TFSA/RRSP accounts with TD:

TD won't transfer USD cash into registered accounts like TFSA or RRSP, but *it will* transfer US assets in-kind . Actually, as far as I remember, you can do it yourself.

So, all you need to do is to buy a money market fund. I used at the time TDB2915 recommended by TD Direct Investing staff (worth confirming if it's still the best to use for this transfer) because there are no fees when buying/selling TD funds.

So, buy as many units of the fund as needed in your USD margin account , and then after a day or two you can transfer online the fund units in-kind into your *CAD* TFSA/RRSP account. Here, I don't remember if you have to move the units into your *CAD* margin account or not first, in order to be able to do the transfer in-kind online by yourself. Anyway, once you have your fund units you can ask the TD staff to do it for you, if you prefer.

Once into the CAD registered account, you can transfer them into your USD TFSA/RRSP account and then sell them for cash. No buying or selling fees should apply.

Hope this helps. Best regards.

Q: I have a resource, bank and reit focused portfolio with very little tech exposure (apple). I'm considering a position in both google and amazon. Do think this is as good a time as any to buy and how much of a position would you recommend?
Thanks!
Dave

Q: Have you had a chance to read the New Year message from David Nyland (CEO of Lumine Group) published on January 14?
He clearly emphasizes that AI has moved from "concept to execution" within their ecosystem. It strongly reinforces the idea that AI is proving to be a true advantageous wind for their business environment.
I would love to hear your thoughts on how this disciplined execution might impact Lumine's margins in 2026. Thank you

Q: Hi,
These stocks continue to disappoint. Would you continue to hold or what would you consider a better replacement for them. Thanks.

Q: What are your thoughts/ Projections about Gold and Silver for 2026. If you like this sector, can you suggest 3 companies that you like.

Q: I have some Agnico Eagle shares and am thinking of either adding to it or branching out and purchasing some New Gold.
Please give your opinion on what to do and also reasons why.

Q: Have never owned CSU. Would this be good entry point. When do they report next. Anything unforseen happening or being dropped by investors.Thanks 5I

Q: There are Covered Call ETFs with mighty high yields: HPYT 18%; SMAX 10%; HMAX 10%; and HDIV 9%. These yiieds are so high that I feel there must be a downside, so my question is, what are my risks in using these ETFs as part of my income portfolio?
Thank you.

Q: I'm cleaning up my investment portfolio. looking for a global (balanced) ETF 3yr window.
Thx for the great service!

Q: What is the difference between RYCEY and RYCEF? Was do you think of this company? Which is preferable? Their growth seems spectacular.

Q: What's your view of Maple Leaf going forward. Would you start a position here? CIBC has price target of $35. Thanks.

Q: I am a value dividend investor with some growth at 80 years with a 5 to ten year outlook. I am low on real esate with only ZRE.to which is doing well for me. Should I just add to this or would you please suggest another option that has a good dividend with a little growth. I do not have any material so please suggest two material stocks or ETF's with, again, a good dividend with a little growth. Thank you.

Q: Could you provide an update on i-80 Gold Corp. What is the hypothesis for holding this in one's portfolio?
Or not.

Q: Good Morning 5i,

There has been a noticeable trend of the 50 day and 100 day SMA's converging across many stocks with a market consolidation. We have a rule about selling or trimming when the 50 day crosses over the 100 day. An S&P at 7100 before March will trigger a larger trim and adjustment to safer stocks. Can we have your thoughts about the 50 day crossing over the 100 day and the general consolidation that is occurring?

Thank you for your help

D&J

Q: My portfolio is composed of a mixture of stocks ,ETFs,and covered call +/-leverage ETFs.The vast majority of my covered call / leveraged ETF "surprisingly" shows a significantly increased, or stable NAV although the dividends are 7-12 %(being aware that the ACB will be reduced with time).I assume that the 60% individual quality dividend stocks will compensate for any potentially lower NAV and ACB (if sold)of those specialized ETF (
.This strategy offers significant revenues + acceptable growth with lower risks than a pure "growth strategy"..I was initially cautious considering the critics about those specialized ETFs ; my conclusion is that if they are cautiously selected, they help stabilizing a portfolio and revenues in a volatile markets for a retirement perspective.. Could you share your impressions about this strategy + any suggestion for improvement in balancing the portfolio will be very appreciated.

Q: in 2024 you posted a blog: Canadian Stock Outliers: Stocks with Free Cash Flow Yields Above Their Dividend Yields.
Would you please consider updating this blog with that screen?

Q: Hi there - I've been researching into using a laddered GIC for my fixed income portion of my asset allocation. I stumbled upon target date bond etfs which look to share some similarities to a GIC in terms of fixed maturity date. My potential plan would be to have a ladder target date bond ETF instead of a ladder GIC. What would be your thoughts on this and what would the risks be? Additionally, there seem to be many etf providers who are creating these types of products. Which would be your recommended etfs to create such a ladder, maturing in 2026, 27, 28 etc.

Thank you!