Q: Hi Peter,
Hopefully it won't time out (if that's the problem)....I saved the question and I just did a copy and paste.
Hi Peter,
I asked if you got my question sent on May 11 and 5i responded saying you didn't get it an to re-send it....here it is:
Regarding Timour's question on CBDC's posted the 11th May, I get the impression the response seems "positive" on CBDC's. I was a bit surprised that their was no mention of how this would affect each and everyone of us with the retail CBDC's. The idea is to get rid of cash completely, which would give central banks absolute control of the money of each individual, not me saying that, here's a 57 sec. video from the top guy of the BIS (a must watch):
https://www.youtube.com/watch?v=a9IimgEyjy4&ab_channel=ForbesBreakingNews
If an individual can ONLY open an account at the central bank of his/her country, then we would be at the mercy of the rules and regulations of that central bank and no other bank to go to because there won't be any. Wouldn't that be a complete monopoly? This is a very serious matter that everyone should know about....nothing like this has ever been done.
Please check these links....they are opinions of very knowledgeable people:
https://www.cato.org/study/risks-of-cbdcs
https://off-guardian.org/2023/03/07/central-bank-digital-currency-is-the-endgame-part-1/
https://childrenshealthdefense.org/defender/central-bank-digital-currencies-what-they-are/
https://www.forbes.com/sites/norbertmichel/2023/03/06/cbdcs-not-just-a-different-form-of-money/?sh=241c275a21b6
In this link please listen to at least the 2nd. 2:50 min. video:
https://home.solari.com/blast-from-the-past-week-of-april-17-2023-prof-richard-werner-the-case-for-abundance/
https://childrenshealthdefense.org/defender/central-bank-digital-currencies-cbdcs-cola/
I know there's a lot of links, but please have a look at them....no rush :)
Would really appreciate your comments,
Thank you!
Investment Q&A
Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.
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Fiserv Inc. (FISV)
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Intuitive Surgical Inc. (ISRG)
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NVIDIA Corporation (NVDA)
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QUALCOMM Incorporated (QCOM)
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AbbVie Inc. (ABBV)
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ConocoPhillips (COP)
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Mastercard Incorporated (MA)
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Marsh & McLennan Companies Inc. (MMC)
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Visa Inc. (V)
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Advanced Micro Devices Inc. (AMD)
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MercadoLibre Inc. (MELI)
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Texas Pacific Land Corporation (TPL)
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STMicroelectronics N.V. (STM)
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Arista Networks Inc. (ANET)
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Arthur J. Gallagher & Co. (AJG)
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Kinsale Capital Group Inc. (KNSL)
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Brown & Brown Inc. (BRO)
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Lantheus Holdings Inc. (LNTH)
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Cheniere Energy Inc. (LNG)
Q: Hi there,
I'd like to own 8 companies listed in the USA (but not necessarily USA based companies). The holding period can be 5 - 10 years or more as I am many years from retirement. I would like to focus on companies that have a moat and pricing power and strong earnings growth now and anticipated future earnings growth.
I am leaning towards an oil company, an insurance company, a resource company, a semi conductor or 'tech' stock, and the financial services industry. I want to avoid stocks de jour as I got badly burned this year in things like upstart, apps, and unity, although I understand that upstart may benefit from AI and I am open to considering that one as well.
I am considering: Abbv, Lnth, Sanofi, ISRG, Visa, Fisv, Nvda, STmicroelectronics NV, Sea Limited, Meli, and Anet, Mckesson Corp, Oxy or COP, among others.
I am not asking for a full report on any of the names above, just trying to throw a few names out that I was looking at. I am also open to etfs.
What would be your top 8 picks (not necessarily the ones I've mentioned)? I am okay with risk. Thank you,
Jason
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Adobe Inc. (ADBE)
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Amazon.com Inc. (AMZN)
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Alphabet Inc. (GOOGL)
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Intuit Inc. (INTU)
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Microsoft Corporation (MSFT)
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Mastercard Incorporated (MA)
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Moody's Corporation (MCO)
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Visa Inc. (V)
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S&P Global Inc. (SPGI)
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Airbnb Inc. (ABNB)
Q: I have asked questions about core portfolio and compounders. I would like to refine my query to building a concentrated core portfolio [say, 20 CAD-USD total]. I start with the allocations greater than 5% in the 3 portfolios. BN is less than 5% on its own, yet, I wonder whether it would not be the core Canadian financial stock. As for US, there are many Fav lists, but could you boil it down to 10. For each stock, please provide key rationale for choosing it and a target buy price.
Much appreciated,
Q: Hi
I hold both MasterCard and Visa and was thinking of selling one in a registered account to pick up some BRK.B.
Which one would you sell?
Thanks,
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Adobe Inc. (ADBE)
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Applied Materials Inc. (AMAT)
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Meta Platforms Inc. (META)
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D.R. Horton Inc. (DHI)
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Mastercard Incorporated (MA)
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Morgan Stanley (MS)
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Fortinet Inc. (FTNT)
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Crocs Inc. (CROX)
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Ultra Clean Holdings Inc. (UCTT)
Q: I own the above US Stocks in my RRSP. Please rate each one as a BUY, HOLD or SELL and the reasons for your Rating.
Read Answer-
Adobe Inc. (ADBE)
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Amazon.com Inc. (AMZN)
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Microsoft Corporation (MSFT)
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Netflix Inc. (NFLX)
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Mastercard Incorporated (MA)
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Constellation Software Inc. (CSU)
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Shopify Inc. Class A Subordinate Voting Shares (SHOP)
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goeasy Ltd. (GSY)
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Atlassian Corporation (TEAM)
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ARK Next Generation Internet ETF (ARKW)
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ARK Innovation ETF (ARKK)
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Lightspeed Commerce Inc. Subordinate Voting Shares (LSPD)
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ARK Fintech Innovation ETF (ARKF)
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ARK Autonomous Technology & Robotics ETF (ARKQ)
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Topicus.com Inc. (TOI)
Q: I hold the above stocks in my Unregistered,TFSA,and RRIF accounts. I understand that as of January 1, 2023, the IRS will require a 10% withholding tax when Canadian residents sell US stocks. Does this rule apply to sell any of the above mentioned my stocks ?
2) If I sell above Stocks before end of 2022, will I avoid paying new IRS 2023 10% withholding tax?
Q: Merchants are now allowed to charge customers a fee if they pay by Mastercard or Visa. I own shares of Mastercard and had been hoping Mastercard would comment on this in their most recent earnings but do not think there was any mention of it. I have already heard from friends opting to pay cash or by debit card to avoid the fee at some fast-food restaurants that have already starting charging. Now I see bigger companies like Telus have announced they will start charging a fee for anyone paying by credit card, so wonder if more people may decide to switch to alternate payment methods. Could you please comment on this. Do you think this could have a significant impact on Mastercard’s business? Thank you.
Read AnswerQ: I know your standard advice in terrible markets is do nothing, but I think I read you advising another member it might not be a bad idea to sell some names like Google and Amazon and buy them back after a month. Isn't this risky?
Read Answer-
Apple Inc. (AAPL)
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Amazon.com Inc. (AMZN)
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Alphabet Inc. (GOOG)
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Microsoft Corporation (MSFT)
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Salesforce Inc. (CRM)
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Mastercard Incorporated (MA)
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Berkshire Hathaway Inc. (BRK.B)
Q: Hello, thinking of selling these stocks for tax loss reasons (10-15%). Although one would think a very possible recession with the related decrease in earnings is already baked in share prices, I am afraid it is not entirely so. I intent to buy these stocks back in a month, hopefully with a lower SP. Is the tradeoff between tax loss and the risk of share prices jumping much higher worth it? Thanks
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Costco Wholesale Corporation (COST)
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Alphabet Inc. (GOOG)
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Microsoft Corporation (MSFT)
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NVIDIA Corporation (NVDA)
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The Walt Disney Company (DIS)
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Goldman Sachs Group Inc. (The) (GS)
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Mastercard Incorporated (MA)
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Pfizer Inc. (PFE)
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UnitedHealth Group Incorporated (DE) (UNH)
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Verizon Communications Inc. (VZ)
Q: Hi there, I’m a big fan of the Balanced Equity portfolio. If you had to create a US Balanced Equity Portfolio using CDRs, what stocks would you purchase to create such a portfolio?
Read AnswerQ: I have held MA stock for 18 months now, it's barely gone up at all and it looks like growth is stalled. Is this worth holding over QQQ or VOO?
Read Answer-
Apple Inc. (AAPL)
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Amazon.com Inc. (AMZN)
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Costco Wholesale Corporation (COST)
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Alphabet Inc. (GOOG)
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Microsoft Corporation (MSFT)
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NVIDIA Corporation (NVDA)
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AbbVie Inc. (ABBV)
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Salesforce Inc. (CRM)
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Mastercard Incorporated (MA)
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Procter & Gamble Company (The) (PG)
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Constellation Software Inc. (CSU)
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Brookfield Renewable Partners L.P. (BEP.UN)
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Berkshire Hathaway Inc. (BRK.B)
Q: CSU and BEP.UN are graded A and are your only A grade companies in Canada. What might be an A grade company from the U.S. if you were to grade?
Thx
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Cisco Systems Inc. (CSCO)
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Alphabet Inc. (GOOG)
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NVIDIA Corporation (NVDA)
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AbbVie Inc. (ABBV)
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The Walt Disney Company (DIS)
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Mastercard Incorporated (MA)
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iShares Core Dividend Growth ETF (DGRO)
Q: I have these U.S. stocks in a RIF (ABBV, CSCO, DGRO ) and TFSA (DIS, MA, GOOG, NVDA) .
Please rate these in terms of safety and growth potential.
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Apple Inc. (AAPL)
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Amazon.com Inc. (AMZN)
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Costco Wholesale Corporation (COST)
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Alphabet Inc. (GOOG)
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Microsoft Corporation (MSFT)
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Mastercard Incorporated (MA)
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Pfizer Inc. (PFE)
Q: We are selling our house and will be renting a condo instead, so I’ll have 500k to put in the stock market. My current portfolio is mainly Canadian dividend stocks and bonds, providing me with plenty of retirement revenue. I am light on non-Canadian stocks and was looking at buying the above-mentioned stocks for a long term holding period (10+ years). Do you have issues with any of these stocks, and if so, what are those? I happen to be a customer/user of these companies, except for PFE. thanks,
Read Answer-
Apple Inc. (AAPL)
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Amazon.com Inc. (AMZN)
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Meta Platforms Inc. (META)
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Alphabet Inc. (GOOG)
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Intuitive Surgical Inc. (ISRG)
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Microsoft Corporation (MSFT)
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NVIDIA Corporation (NVDA)
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PayPal Holdings Inc. (PYPL)
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Salesforce Inc. (CRM)
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Mastercard Incorporated (MA)
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Visa Inc. (V)
Q: Hi, we are trying reduce our Technology exposure in US stocks. These are the companies held in our portfolio, in this sector, with weighting in descending order as follows: AAPL,MSFT,AMZN,MA,V,GOOG,PYPL,NVDA and ISRG.
How would you rank them, Today, based on the current valuation, growth prospects and risk ?
Also, should MA,V and PYPL be considered different than others ?
Thank You
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Mastercard Incorporated (MA)
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Bank of Montreal (BMO)
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Fairfax Financial Holdings Limited Subordinate Voting Shares (FFH)
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Brookfield Asset Management Inc Class A Limited (BAM)
Q: I'm interested to increase my sector weight to financials - and now have BMO,
BAM, MA, and FFH.
Please comment on this mix and whether to add to any of these or add other stocks.
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Mastercard Incorporated (MA)
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Bank of Montreal (BMO)
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Fairfax Financial Holdings Limited Subordinate Voting Shares (FFH)
Q: My allocation to financial services - with a RIF (US and CA)and TFSA (US and CA) is under 10 % , with BMO, BAM, MA and FFH.
Please rate these for growth and safety - and whether this is a good mix.
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Sylogist Ltd. (SYZ)
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Apple Inc. (AAPL)
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Amazon.com Inc. (AMZN)
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Microsoft Corporation (MSFT)
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PayPal Holdings Inc. (PYPL)
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Mastercard Incorporated (MA)
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Visa Inc. (V)
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Constellation Software Inc. (CSU)
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Kinaxis Inc. (KXS)
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Shopify Inc. Class A Subordinate Voting Shares (SHOP)
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Lightspeed Commerce Inc. Subordinate Voting Shares (LSPD)
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Nuvei Corporation Subordinate Voting Shares (NVEI)
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Topicus.com Inc. (TOI)
Q: Hi, Technology is the largest weight at about 45% ( even after the recent sell off) in our investment portfolio. Most of these holdings have been down 25-50% from the highs, over past 2-3 months, following the general market trend of indiscriminate selling in High multiple Tech stocks. LSPD and NVEI, of course, saw much steeper losses.
We do have the rest of the portfolio invested in Cdn large cap banks, industrials, utilities and telcos, generating decent dividend income.
We recently retired and as a part of portfolio planning/risk management, would like have a strategy to reduce the Technology weight to less than 35%, over next 2-3 years. The plan could be executed in phases, once the current tech rout is over and valuations have recovered.
From the perspective of risk, growth, stability and valuation, what would be the recommended/desired weighting for each company, balancing these factors. What would you suggest to be order of priority for the purpose of initiating sale of each stock. Also, it would be really helpful, if you could provide a reasonable price range for sale/trimming of these companies, based on price history and future expectation over 2-3 years.
CSU 14.5%
SHOP 9 %
TOI 5.2%
SYZ 3.5 %
LSPD 3 %
KXS 2.5%
NVEI 1%
US Large Cap Tech ( AAPL,AMZN,MSFT,MA,V,PYPL etc) 8% (we want to keep as is)
Thank You for your insight, which we value so much.
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PayPal Holdings Inc. (PYPL)
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Bank of America Corporation (BAC)
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Mastercard Incorporated (MA)
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Visa Inc. (V)
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Toronto-Dominion Bank (The) (TD)
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Bank of Nova Scotia (The) (BNS)
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Manulife Financial Corporation (MFC)
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Sun Life Financial Inc. (SLF)
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AEGON N.V. (AEG)
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First US Bancshares Inc. (FUSB)
Q: I have quite a lot of financials, mostly Canadian banks and insurers with about 20% US. Would like to sell down some and buy something with some more growth in the payment section but still relatively conservative.
Would you recommend one of MA, V, Pypl or other financial as currently looks like a buying opportunity?
Thank you.
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PayPal Holdings Inc. (PYPL)
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Mastercard Incorporated (MA)
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Canadian National Railway Company (CNR)
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Linamar Corporation (LNR)
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Air Canada Voting and Variable Voting Shares (AC)
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Algonquin Power & Utilities Corp. (AQN)
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BRP Inc. Subordinate Voting Shares (DOO)
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Kinaxis Inc. (KXS)
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Magna International Inc. (MG)
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Block Inc. Class A (SQ)
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goeasy Ltd. (GSY)
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BMO Equal Weight US Banks Hedged to CAD Index ETF (ZUB)
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BetaPro Crude Oil Leveraged Daily Bull ETF (HOU)
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iShares S&P/TSX Capped Information Technology Index ETF (XIT)
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Enthusiast Gaming Holdings Inc. (EGLX)
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Lightspeed Commerce Inc. Subordinate Voting Shares (LSPD)
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CrowdStrike Holdings Inc. (CRWD)
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ARK 3D Printing ETF (PRNT)
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Unity Software Inc. (U)
Q: Hi Peter and staff, Happy Holidays.
These are my holdings in TFSA account. Can you please suggest two more names, Canadian or US to add for the 2022 contribution.
Thank you.
Joe