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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: hypothetical question on loss provisions: should these provisions that are set aside (or at least a portion of them) ultimately not be necessary in the future, does that mean there is a potential for them to be reflected as revenue on future earnings and thus, result in a seemingly excellent quarter, year, or whenever this situation could happen? How is viewed from an accounting perspective?

Read Answer Asked by Brett on August 29, 2023

Q: Here is a situation which is prevalent in many parts of my portfolio. for example, I have BNS at an average cost on ~$72. It closed yesterday at $64.50. If I go with 'timing the market' I should probably exit the stock. If I go with 'time in the market' I should continue to hold and collect the dividends.
Is there are 'rule' one can use and does that rule vary for large cap stocks like BNS or a small cap stock like PNE which I also own?

Read Answer Asked by Ronald on June 29, 2023

Q: Hi
I'm trying to build a concentrated portfolio of Canadian dividend payers. If I want to add a few more names for diversification and safe/good yield, what others would you recommend?
Thanks,
Carlo

Read Answer Asked by Carlo on March 14, 2023

Q: With whats happening in the markets currently with CM's admission of mortgage issues with SIVB debacle, rising rates, volatility etc could be the beginning of a big mess in the Financial services sector.

Although long term you are bullish on 4 of the 5 names do you think it would be prudent from a risk aversion viewpoint to step aside on these names and wait till things settle?

Can you also please comment especially on EQB and GSY and their outlook/risks in this cyclone.

Thanks

Sheldon

Read Answer Asked by Sheldon on March 13, 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 a value dividend investor of 77 years, Portfolio analysis says I am over 20% in Financial industry. I hold BAC, BNS, FSZ, JPM, MFC, SLF, TD, X. I am up in all except one and the dividends keep rolling in. I am loath to let any go. If it is needed, please suggest a substitution.

Read Answer Asked by STANLEY on February 13, 2023

Q: Good evening, 5i team

I appreciate having your thoughts on keeping 2 out of these 5 for a pretty condensed portfolio. I sided with BNS & CM among the big 5. Thank you!

Read Answer Asked by Nhung on February 10, 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: I see there are stocks with an RSI near 30 and at a 52 week low; BNS, TRP, BEPC, and BCE. Also, WCN is not at a 52 week low but has an RSI at 30. I am very tempted to add to my positions at these levels. How much weight would you place on a stock's RSI and 52 week level?
Many thanks, Dennis.

Read Answer Asked by Dennis on December 23, 2022

Q: What would be your top picks for dividend stocks that are trading currently at good discounts and have a great recovery potential-across all segments US and Canada? One group making 3.5% or higher; one group 2-3% but have more growth opportunity? Thanks.

Read Answer Asked by Pat on November 18, 2022

Q: The financials segment of my RRIF consists of BMO, BNS, RY with a 25 % total portfolio weighting.
I am looking at selling the 3 and replacing them with HCAL. Believing in the long term growth and security of the Canadian banks , I see this move as providing both higher stock price movement with its 1.25 leverage and higher dividend yield. I see the disadvantages being a nearly 1.00 % MER and greater lose potential in a falling market.
Am I missing any other advantages/ disadvantages ? Would you recommend replacing bank stocks with this ETF and why ?
Thanks
Derek

Read Answer Asked by Derek on November 14, 2022

Q: Hi Peter,

I will soon be receiving my pension funds from my ex-employer to put in my LIRA.
Can you suggest a few stocks with a decent upside....time frame 10-15 years.

Read Answer Asked by HARRY on November 11, 2022

Q: For the info of members:

Read in The Motley Fool about the dividend history of the Bank of Nova Scotia. Certainly makes it a must own for the Canadian banking sector.

"I tend to favor companies that increase their dividends annually, like Dividend Aristocrats. We already know that regulators made sure that Canadian banks couldn't claim such a streak, but that doesn't mean Scotiabank doesn't have anything to crow about on the dividend front. For starters, the dividend has been increased in 43 of the last 45 years. And, even more impressive, a dividend has been paid every year since dividend payments started being paid out on July 1, 1833. That date is not a typo. That's a dividend record that is hard to complain about."

Regards,
Ronald

Read Answer Asked by Ronald on September 29, 2022

Q: Want to beef up my finacials. I own SLF, TD, BAM.A and X . Trying to decide between 1. Buying BNS ( new position), 2. topping up my 4 existing more or less equally, or 3. putting it all into just 1 of the current 4 ( likely SLF as TD and BAm are already a big holding, jury is still out for me on X). Long term holds, balanced/income hybrid portfolio follower.

Read Answer Asked by Tom on September 23, 2022

Q: In a well balanced long term portfolio, with preservation of capital being the first priority, safety of dividend and some capital appreciation being secondary, would you add to BNS or SLF at this time? I have a 2.5% position in each and want to increase one to a 5% position. Would you suggest buying it all now or legging in over the next few months? Thankyou

Read Answer Asked by Allan on September 23, 2022

Q: I am shopping for a single investment offering security over 20 years combined with capital appreciation and accrued dividends (in a DRIP). ETFs do not seem to accrue fractional shares (when they have DRIPs at all); therefore I'm looking at single stocks such as BAM.A, Telus or perhaps BNS. If you had to recommend a single stock, which of these would it be, or what would you recommend instead and why?

Read Answer Asked by John on August 29, 2022

Q: Hi 5i, can I have your current view on the market with respect to inflation, interest rates (inverted yield curve) and recession chances. I realize markets are forward looking and I'm trying to guage future rate increases as I have a few quarters of dividends to spend on income stocks. Oh, and what would be your top three dividend stock picks now? Was looking at SLF, BNS and AQN, but based on your answer to first part, I may hold off.

Thx

Read Answer Asked by Christopher on July 19, 2022