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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: Hello Peter and team

To complement my all ETFs portfolio : VEQT 40%, QQQ 10%, VGT 10%, MOAT 10%, I intend to add 6 of the above 7 stocks for 5% each.
Does it make sense, please feel free to substitute and suggest other stocks and explain why.
This is for a 10 years hold with minimum or no trading in this account.
Thank you
Raouf














Read Answer Asked by Raoul on May 16, 2024
Q: Hi, We own RY/CM/GS- 12% , IFC - 2.75% and PRL -1% among Financials. In addition, we bought EQB - 1% position at $85, based on strong analyst commentary, a month ago. We need some cash to raise and were wondering if it is necessary to own EQB or with about 15% weight through above holdings, we can let the EQB go.

Thank You
Read Answer Asked by rajeev on May 15, 2024
Q: Hello Team,

The Canadian banking sector has been fairly muted for a while now, notwithstanding higher rates which have been beneficial in boosting interest income. And, soon, rates are expected to decrease. Is that going to hurt their earnings or help due to an overall smaller delinquency in loan repayments? If it will help, from a choice of buying and holding some of the smaller Canadian on-line only banks or the traditional ones, say for the next five years, which would you recommend?
Read Answer Asked by Adel on March 28, 2024
Q: In comparing total returns of the respective banks from Pre-Covid and then from Mar 16 2020 to present why does 5i continually endorse BNS - is it simply the DY ?
Read Answer Asked by Brant on March 25, 2024
Q: I'M in my retirement years and have accumulated about 28% in Financial sector, which is over what your Portfolio Analysis suggested (12%). Could u give me a ranking of 1 (least prefer) to 5 (most prefer) in terms of Price Growth and Dividend growth Take as many credits as you see fit. Thank you
Read Answer Asked by DAVID on March 19, 2024
Q: Hi, looking at the financial sector. I have TD and IFC and looking to add another. The options I am looking at is another Canadian bank that benefits from US exposure (RY), a US bank (JPM) or ETF of banks (ZBK), or diversifying away from North America to a major UK (LYG) or European (ING) bank. My objective is downside safety paired with dividend income and some growth. I realize global stocks aren't your focus, but would appreciate any thoughts you might have on relative merits of these stocks.
Read Answer Asked by Benjamin on March 13, 2024
Q: Can you please provide your thoughts on the stocks listed for a RESP that will start to draw down in 4 years? In addition to these positions the portfolio has a good core position in CDN, US and INTL large cap ETFs. Any that you would get rid of now? If so, please provide alternatives (both Cdn and US).
Read Answer Asked by Chris on March 04, 2024
Q: I hold positions in these three banks. What entry points would you be comfortable adding to these names?

Thanks
Tim
Read Answer Asked by Timothy on February 14, 2024
Q: We have well-diversified Canadian portfolio (~30 holdings) focused slightly toward growth. Across our various accounts we are overweight in the Financial Services sector. We are considering reducing our holdings in the traditional banks, which are currently roughly equal amounts of TD, BNS, BMO and RY.

Putting aside potential taxation issues, given the choice between reducing all the banks by roughly the same amount or reducing the number of banks to 2 or 3, which would you prefer and why? If it's the latter, which banks would you keep and in what order?

Thanks,

Peter.
Read Answer Asked by Peter on February 13, 2024
Q: Hi. I have an RESP for three grandkids, ages 5, 7 and 9. Current holdings that I'm underwater on are: AEM, BCE, BN, NTR and TVE along with these: ARX, BAM, CSU, ENB, RY, TD and TOU. I'd appreciate your overall comments on account re sector allocation and any obvious sells. As well, I'd like suggestions on how to deploy $7000 cash. Thx.
Read Answer Asked by Dona on February 06, 2024
Q: A family member entering post-secondary school owns these stocks in their TFSA on an approximate equal weighting of $4,000. They have $8,000 to contribute and invest this fiscal.

The objective is growth with some risk; maintenance of capital is a secondary objective.

If allocating in $4,000 increments would you add to one or more of the existing investments or are there one or two you think would be better suited to a young investor over a 3 - 5 year investment horizon?

Thanks so much.
Read Answer Asked by Dave on January 12, 2024
Q: I hold TD in my portfolio. I've read a couple articles recently highlighting that RY has performed much better than TD in recent years, pointing to RY's higher ROI investments (i.e. focusing on Canadian operations and US Wealth Management) relative to TD (i.e. focusing on US Retail banking, and their recent failed acquisition).

What are your general views on this comparison from an investing perspective and would you replace TD for another Canadian bank such as RY? Which of the Canadian banks would you select as a long-term "set it and forget it" investment based on sound management and, of course, expected stock returns.

Read Answer Asked by Al on January 02, 2024
Q: I bought them all last April and the draw down got as low as 15%--they have all made a comeback now except BNS still down 8%----Do you think this resurgence is sustainable and a good time to add to my holdings?
Thanks
Peter
Read Answer Asked by peter on December 15, 2023
Q: I intend to use as many losing companies such as above POU, RY, TOU and MG (presently underwater) against a significant amount of capital gains to reduce my taxes for 2023. I will probably buy them back in the new year. What is wrong with this approach? Please explain.
Thank you.
Read Answer Asked by ALBERT on December 08, 2023
Q: I seem to recall one of the "Market Masters" saying the time to load up on Financials is after they have been crushed. I know you don't necessarily like the expression "load up" but if you wanted to increase your Cdn bank exposure are there one or two you think stand out as having the biggest bounce potential from here, or would you forget about trying to be right on one or two securities and just buy the ETF if you believe the whole sector might recover from these levels? Thanks for your thoughts.
Read Answer Asked by Stephen R. on December 01, 2023
Q: Hi Folks,

My RRSP portfolio consists of the above stocks all with relatively the same weighing. Can you suggest 5 names or so, (CDN and U.S) that I take a look at that would complement the above? I am looking for a company that would be a good buy today for both income and capital appreciation - total return.
Thanks
Read Answer Asked by JOHN on November 29, 2023
Q: Hi I am thinking it's time to sell BNS, would it be better to choose another bank or deploy funds to another sector to gain some growth & dividends for a long term holding? Suggestions on other stocks please.
Read Answer Asked by Kimberely on November 23, 2023
Q: Good Day,

I hold TD and RY in my RRIF and was thinking of switching one for BNS for a higher yield and the "buy the poorest

performing bank" theory. Is this a logical approach and which would you switch.

Thanks Tom
Read Answer Asked by Tom on November 20, 2023
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