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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: Dear Peter et al:

You can call me a "Nervous Nellie" if you want (!) but I am older than you and know that sometimes the story like TD to play out can take a looong time!

If one is sitting in a small loss position in TD, worth switching to another bank like RY or BNS? Or move into a riskier stock like GSY or an insurance co like SLF? I know it is comparing Apples VS Oranges. Nothing against TD. I am sure it will bounce back. But I can "see" it moving sideways for a while. Just an old man's opinion.
Read Answer Asked by Savalai on May 29, 2024
Q: Hello - I am an income investor. My view has been to construct my portfolio with companies that pay growing dividends as a way to offset inflation. With BCEís announcement of reduced expected dividend growth in the future I am considering shifting that portion of my portfolio somewhere else. Can you please provide the stated expected ranges of dividend growth (as a %) of these companies? Please take all the credits you wish. Thank you
Read Answer Asked by Mark on February 12, 2024
Q: The Labour Contracts being signed today at 30 % and 40 % increases Airline Pilots, UPS, Port Workers in BC and more to come by Auto Makers and Hollywood means more inflation down the road and higher rates by Powell. This could go on for years. Causing defaults on Mortgages ,personal bankrupcy , credit card defaults. It does not look good.



Then there is China and unemployment of 25 and under at 26 % . No Jobs. China is fully built. Apartments Condos High Speed Trains, Highways etc. Nothing else to build. This will cause unrest with the young. What can XI do.. Not more military. They have the largest in the world

Then there is the expansion of BRIC by adding 6 new Members like Saudi, and Iran. plus 4 more.

And what about stealing of goods from all retailers and nothing being done to stop this stealing. Even people walk in to LCBO and help themselves and staff is told not to interfere. Why because every bad guy probably has a gun,




Question Why Own Stocks Why not Just a laddered Bond Portfolio of 1 to 7 year bonds with a yield of 7 % plus for the next few years.


Sorry for such a negative outlook . Look forward to your comments.


RAK
Read Answer Asked by bob on August 28, 2023
Q: Hi,
I need to sell all the stocks in my non-registered account to access the cash in the next 2-5 years. I will be selling many of the stocks listed, in the next few weeks. Can you list them in SELL order with a few comments on the rationale.
Also, please list the top 10 Canadian stocks (from this list or others) for longterm holding, since I will buy some of them back in one of my registered accounts (RRSP, TFSA), likely over the next 2 years.
Thank you,
Camille
Read Answer Asked by Camille on May 30, 2023
Q: Saturday morning on CBC Mark Warner warned viewers not to be too overconfident about Canadian banks compared to US banks. His reasoning was that Canadian banks have been buying banks in the US.
As I am a holder of Canadian banks this has me concerned. I was wondering if you could shed some light on his comment and which banks might be at the most risk.
Read Answer Asked by Mary Jean on April 04, 2023
Q: In layman's English, could you explain why SVB went under and whether it will cause any lasting damage to Cdn Banks...and are there any Cdn banks you would add to today? Thanks, great service.
Read Answer Asked by Curtis on March 13, 2023
Q: I am looking to put some USD, currently held inside an RSP to work on either of these Cdn banks. Is there a preference, or should I look at buying both? Also, would it be better to buy the US listed stock, as I have USD - or convert to Cdn dollars and buy the Cdn listed stock?
Many thanks!
Dawn
Read Answer Asked by Dawn on February 07, 2023
Q: These are my current holdings and I am looking forward to 2023. They are held in relatively the same quantities in 5 different accounts, a RRIF, 2 TFSA's and 2 Non registered accounts. I am retired an enjoy the income. Do you see any issues with these holdings or have any suggestions looking forward. The only non dividend holding is AR.
Take any extra credits as necessary. Thank you in advance. Enjoy and appreciate 5i'S help. Happy New Year.
Read Answer Asked by John on January 10, 2023
Q: For the financial sector of a new portfolio with a minimum of a 2-3 year time-frame please rank the above listed stocks for a) maximum return and b) risk. Please add other US or CDA names that you would consider in this situation, especially for higher returns.

Thanks.
Read Answer Asked by Alvin on November 23, 2022
Q: This is a follow-up question where you suggested, "we would see no need to crystalize a gain on RY JUST to offset a loss. There may be other gains in the future, or one can offset a gain in prior years". I had a significant capital gain in 2021, If I don't sell RY to crystalize a gain in 2022, do you think that offsetting the JE loss in 2021 would be better than offsetting the loss in the future? Taxwise, my income is likely to be lower in 2022-2023 than in 2021, where I claimed significant capital gains.
Read Answer Asked by Dev on November 22, 2022
Q: Good morning,
Just saw in my news feed that RY missed expectations. Means another blood bath for the banks? Should one wait before backing up the truck and loading up? How long should one wait for the dust to settle? I know RY,TD &BNS are your favorite picks.

If you can add a few sentences in the US banking sector,not would be appreciated.
Many thanks.
Mano.
Read Answer Asked by Savalai on August 24, 2022
Q: The top ten positions in my equity portfolio represent 30% of the portfolio. Among these top ten are TD, BAM, BAC and JPM. The financial sector represents 27.5% of the equity portfolio and the 5i analysis suggests that this be reduced to 15%. I am a new 5i client and donít disagree with the direction the model is suggesting. Other holdings in the financial sector are: BMO, BNS,CG,C,MFC,PYPL,PNC,RY,SLF,BX,X,V. This is a bit messy but adding to the sector in the spring seemed like and was a good idea but now we need to be more conventional. I may be very wrong but I donít consider BAM and X as financial services, particularly BAM. Looking at the holdings, what would you unload to bring down the financial sector exposure? Obviously a tax filter will be needed at my end. The question for another day will be an ask for recommendations to increase the under-weighted sectors. Having fun with the model and more importantly find it useful.
David
Read Answer Asked by David on February 03, 2021