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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: CSU cash flow was up an impressive 33% and organic growth continues to trend above historical average. Yet the shares have taken the worst beating of its public life, down around 35%, and now trade at a very reasonable valuation. Is it not in the best interest of shareholders for CSU to invest in its own stock at this point of time given these unique confluence of circumstances?

Thanks.
Read Answer Asked by Joel on November 10, 2025
Q: This is not a question but an observation. I do mortgage default work, and Goeasy got into the 2nd mortgage business in the past few years, and those loans in Ontario, at least, are underwater. On the two files I saw just this past week. They will suffer a complete loss because, unlike 1st mortgage loans with banks, they are not insured. I don't know how much of their portfolio is in the 2nd mortgages. As of their investor presentation from August 2025 and Q3 2025 results, 39% of their total loan portfolio is secured by hard assets, which include real estate, as well as automotive and recreational vehicles. The presentation does not indicate the % related to real estate loan porfolio.
Read Answer Asked by Murray on November 10, 2025
Q: Hey 5i, these consumer staple stocks have basically done nothing over the last 10yrs. They used to be a place to go when you were concerned about market pricing with a little growth and a dividend. Have things fundamentally changed or is everyone just obsessing over AI and technology and forgetting this sector. Also is there anything buyable in the sector with some growth and a dividend.
Read Answer Asked by Mark on November 10, 2025
Q: Good morning, could you please identify 8 "safer" companies you see at or close to the bottom of their trough at this time that have a dividend (% of dividend does not matter)? For example my guess would be CNR which was at $178 in March 2024 and now at $135 with a yield of 2.63% at this price.
Thx,
Kevin
Read Answer Asked by Kevin on November 09, 2025
Q: I’m interested in your thoughts on the effect a reversal of the US tariffs by the Supreme Court would have on the public markets.
Thank you for this great service.

Kevin
Read Answer Asked by Kevin on November 09, 2025
Q: Hi team,
What’s your take on Turning point brands and the sector in general? Could the nicotine pouch business be as huge as some say? They reported this morning; the market seems to like the numbers .

Shane
Read Answer Asked by Shane on November 09, 2025
Q: It appears Globalstar has not denied the rumours about selling itself to Starlink. So there must be some truth to the rumours. Presumably once Musk controls Globalstar he would cancel or buyout Globalstar’s contract with MDA leaving MDA with no business? I understand Apple owns 20% of Globalstar so they would have to agree to the Musk buyout. I can see Apple not wanting to be at Musk’s mercy but also not wanting to operate Globalstar’s business. Any idea what the future holds for MDA. I’m a shareholder.
Jim
Read Answer Asked by James on November 09, 2025
Q: I have US stocks and CAD stocks but also want to keep a large portion of my portfolio in indexes. I have VFV and similar for trakcing S&p and have added VEQT in the last few years for world diversification. I have a small amount in XAW, but does it make sense to have more in XAW since i have a bunch of individual canadian stocks? or do you have a preference for canadians to own one of these over the other?
Read Answer Asked by Danielle on November 09, 2025
Q: What financial planning advice would you give, in general, to someone with a large RRSP in the years leading up to a RRIF conversion and commencement of OAS and CPP. With the OAS clawback starting at $93,454 until full claw back at $148,451, is it wise to fully deplete the RRSP to $0 before taking OAS to avoid the claw back? Or at least depleting it to a level of say under $500K so that minimum RRIF withdrawals will stay below the clawback threshold? Is there financial planning software available to DIY investors that you have used yourself or heard is good that can be used to to model some of these different scenarios in an attempt to minimise taxes and maximise the value of their after tax portfolio?
Read Answer Asked by Adam on November 09, 2025
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