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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: A follow up to Mark's question on Oct 2nd regarding buying the Canadian Big Banks, you mentioned that you would not need to buy the banks in a portfolio. Can you elaborate and explain the thought process. Also how would you allocate a portfolio in terms of weighting in such a scenario.
Read Answer Asked by Frank on October 02, 2025
Q: If you were an income investor and wanted to invest in each of the 5 big banks, given current valuations and yield, what percentage of the money you have marked for investing in banks would you allocate to each?
Read Answer Asked by Mark on October 02, 2025
Q: Not that I'm complaining, but what is with Canadian bank stocks in the last six months? I'm used to slow, plodding stocks, and they are rivalling Google for momentum. All of them are up from 23%-38% in the last six months with no sign of a slowdown. It's not like we have a booming economy.
Read Answer Asked by John on September 22, 2025
Q: I own the above listed Canadian Stocks. Please rate each one as a BUY, HOLD or SELL and the reasons for your rating. Thank You.
Read Answer Asked by ALNOOR on September 19, 2025
Q: In your opinion, are Cdn. bank stocks overvalued and is it time to trim. Along with two Cdn insurance companies they currently represent approximately 26% of our portfolio
Read Answer Asked by Donald on September 11, 2025
Q: Would you throw some light on “ provision for credit losses “ ( PCL ) that the banks use in their financial statements. It seems to have a significant impact on earnings. How is it determined ? Analysts take it as a poor contributor to earnings. If a bank lowers its PCL how does this actually increase its profitability ? Is there a formula to determine its PCL and how trustworthy is this ? Seems to me that a bank could alter the PCL number to better their numbers. Thanks. Derek.
Read Answer Asked by Derek on August 29, 2025
Q: Wondering you thoughts on the Canadian banks. I currently hold TD and CBIL.
Read Answer Asked by Dale on July 08, 2025
Q: I hold these in roughly equal amounts totalling around 30% of my RRIF where income is more important than growth. Should I consolidate these or just leave alone ? Thanks . Derek.
Read Answer Asked by Derek on June 23, 2025
Q: Looking for some growth and a good dividend. Which two CDN banks would you go with?
Read Answer Asked by Graeme on June 02, 2025
Q: Hi, I'm considering adding a Canadian bank. I only hold TD. Which bank would you consider to be the best to add at this time for a longtime core holding? I'm thinking of doing a quarter position at this time and build that position over time. Also I started a quarter position in ATD recently and I'm watching it at the moment. Would you consider ATD to be fairly safe at these levels and an attractive stock to increase that position at the current price or wait to see if it's still in the bottoming process. Thank you as always for your expert advice!
Read Answer Asked by Harry on May 14, 2025
Q: Hi Peter, I would like to get your opinion regarding a TFSA income portfolio with a bit of growth coming from Lumine. Can you give me your thoughts on dividend safety and dividend growth of the following. The objective is to use income in retirement and have a bit of growth. Dividends have been targeted at 4-5% as an average.
thank you in advance
Read Answer Asked by Frank on May 05, 2025
Q: Worst case scenerio how much downside do you think the banks have in the next four years. RY,BNS and TD are all oversized positions. Thinking of lightening up in non taxable accounts or should I just sit on my hands ? Crystal ball gazing I know !
Read Answer Asked by STEVE on February 14, 2025
Q: I have owned RY inside my RRIF for over 20 years and it has done very well. However it now seems to be trading at a premium to the other Canadian Banks. I hold it primarily to generate income, so I am wondering if I should sell it around the $180 level and invest the proceeds into another Canadian bank. I already hold TD, BMO and BNS and wonder which of NA and CM would you prefer? Or would you stick with RY despite its premium pricing and lower yield?
Read Answer Asked by David on January 28, 2025
Q: Hello, I own above for my RSP... Obviously, I am disappointed with Telus and BCE and I am down some 25%.. I can understand BCE's poor management, but how about Telus? also in the dumpsters.
If I sell Telus and BCE, do you suggest that I add to one of the above as I want to keep my holdings to 10-12 stocks . Any suggestions?
Thanks
Carlo
Read Answer Asked by Carlo on January 21, 2025
Q: How would you rank BAC vs.C, and then vs a couple of Canadian banks, TD and BMO as examples.
Read Answer Asked by Jim on January 14, 2025
Q: Comments on keeping existing holdings in Td versus other banks? Would you rate as a buy, hold or sell?
Read Answer Asked by Peter on December 19, 2024
Q: Hell 5i I am considering selling BMO shares holdings and RY holdings as they in their higher price range. Sell high buy low! My plan is to reap the profit to buy ZEB. I would appreciate your thoughts on this. Thank you
Read Answer Asked by Yves on December 13, 2024
Q: CM reported a low provision for estimated loan loss, while BMO reported a higher provision. My question is do all Canadian banks follow the same criteria to determine if a specific loan is bad? If not the same criteria, the amount of provision is quite subjective.
Read Answer Asked by Liping on December 11, 2024
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