Investment Q&A

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!

Q: Whats going on with cpx down large friday.

Q: Elon has made some strange comments lately:
1. Nobody needs to save money anymore because somehow robots will benefit everyone and we don’t need it?
2. Apparently tsla is getting into the robotic surgery business. Is this a concern for isrg? Are they likely to put isrg on the innovation scrap heap and how can we know?

Q: This ETF seems too good to be true,roughly 17.5% yield,up about 8.5% since inception from July of last year and if that’s not enough it pays an 18 cent distribution twice a month.
.85 % MER seems high but I guess that’s for the 25% leverage and zero day to expiry(whatever that means) I suspect.If this is like most covered call ETFs it would have limited upside would it also possibly more defensive in a correction,your thoughts on this income ETF …Thanks

Q: Hello, Would you buy either Honeywell or Pg currently?
Thank you.

Q: I am hoping someone in the large 5i family will know the answer to this question regarding holding a TFSA account on TD Direct investing. I have used RBC for my TFSA in the past and held both a Cdn and US dollar TFSA. When I want to add my annual contribution on RBC I am able to transfer either Cdn or US cash from my cash account into the TFSA, as long as I take care to properly calculate the US to Cdn converstion rate, so a not to over contribute. It has always been a simple transfer online.
Now that I have both a Cdn and US TFSA on my TD Direct Investing account, I've been told that I have to sell the US dollars I have in my TD cash account, transfer the amount to my Cdn TFSA and then buy US dollars within my TFSA account if I want to hold US securities in the TFSA US account.
I'm sorry if this sounds confusing, but I am puzzled as to why TD makes you convert US to Cdn and then back again to top up your TFSA. If anyone has experience with TD (I'm a newer client of theirs) and can let me know what I am misunderstanding here, I would appreciate it.
Many thanks!
D