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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: Good morning all,

To add to the discussion/confusion about CDIC insurance (Pierre's question of Jan 21 and James comment Jan 25) - I have Cash, TFSA and RRSP accounts at TD. I was informed that in order to get CDIC coverage on more than $!00,000 in the Cash account they have several CDN$ options, TDB8150 which is TD Bank, TDB8155 which is TD Mortgage Corp and TDB8159 which is Canada Trust Corp. Was I misinformed?
Read Answer Asked on January 25, 2021
Q: I have been watching this stock rise rapidly and wonder if there is still room to grow even more given the green energy focus of the Biden administration. I have recently purchased CSIQ and would like to have your comments on this stock moving forward as well.
Thanks, Lesley
Read Answer Asked by Lesley on January 25, 2021
Q: Thanks for your precious advise. I experience my best investment years since I enrolled with your service. Retired investor with a long term view (I hope LOL LOL) I currently own the above mentioned stocks and would like to increase marginally my weighting in energy. KEY and TOU have the most weight currently. All can be increased in weight but would rather add to 1 or 2 max. A mix of good dividend and capital appreciation is sought. Where would you go from here? I don't mind adding another company if need be for better diversification if needed. Please rank in terms of preference.

Thanks

Yves
Read Answer Asked by Yves on January 25, 2021
Q: Hi, further to my question of January 25th ranking dividend stocks could you please elaborate on why EMA was ranked in last place.. Being a large regulated utility with a 50% payout ratio I would have thought it would be much higher in the list despite they are all solid companies. Thanks.
Read Answer Asked by Gary on January 25, 2021
Q: I seem to have too many growth companies and thought of adding US utilities (or Canadian utilities that are inter-listed). I have tortured my data enough to confess to me that electric and other utilities can be smuggled into the portfolio as bond proxies. Bonds scare me; is my thinking flawed? Is it VERY wrong to think of utilities as bond proxies.. or just a LITTLE wrong? Like I said, I torture my data. Are there any US utilities with reasonable growth that you are able to suggest? Please include Canadian utilities that are listed in NY, especially if they have a renewables component. I would appreciate very much if you are able to rank your suggestions giving higher priority to share price appreciation.
Read Answer Asked by Adam on January 25, 2021
Q: For real estate exposure, would you recommend buying both CAR.UN and TCN, or is holding only one sufficient? If one is acceptable, which do you prefer? Thank you!!
Read Answer Asked by Greg on January 25, 2021
Q: Hello Peter, you may want to clarify your response to Pierre's CDIC question of Jan 21. He wondered about coverage if he has both a $90,000 GIC and a $90,000 High Interest Saving Account at the same financial institution. While it is true that he would get coverage of $100,000 coverage for each account if they were in two separate categories (e.g., non-registered, RRSP, TFSA, a joint account with another person or a trust account), he would NOT get 'double coverage' for up to $200,000 if both the GIC and the savings account were just in non-registered accounts in his name alone, nor if both were held in his RRSP or another single category. CDIC will aggregate the deposits in each category, even if they are in multiple separate accounts. Thank you.
Read Answer Asked by James on January 25, 2021
Q: I'm trying to keep a decent weighting of fixed income, and started buying the TIPS etf a couple years ago for better-than-GIC returns, and its worked out well. Now, I'm thinking of shorter duration TIPS (STIP) in case the fed has to move on rates sooner than anticipated. I'd appreciate your comments.
Read Answer Asked by Mike on January 25, 2021
Q: Hi Peter, Ryan, and 5i Team,
Are there any Consumer Staples ETFs that exclude tobacco? Any geographic area would be considered. Thanks for all your help.
Read Answer Asked by Jerry on January 25, 2021
Q: I would like to add to your comments to a question asked by Murray early last week. IBI Group is a much smaller company compared to Stantec and WSP but adjusted EBITDA margins are higher and its growth rate is marginally higher(lower base). Its debt is also higher at 1.1 adjusted EBITDA where as Stantec is 0.8 and WSP is 0.3(would be 0.7 except for the $550 million share issue). Insiders of IBI own approximately 36%. There are 31.3 million common shares issued and there are also 6.3 million class B shares, non voting, but exchangeable for common shares on a I for I basis. Combined there are 37.5 million shares. The management partnership owns 7.2 million of the common shares and if the class B shares were converted, the insiders would own almost 36%.
IBI seems to be on the right track now and is an interesting small cap which is undervalued based on a diluted adjusted EBITDA multiple to Stantec. Similarly Stantec is undervalued compared to WSP Global.
Read Answer Asked by Don on January 25, 2021
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