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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 5i
A question about investing on margin. I have heard a few people extolling the praises of investing with borrowed money. Some even prefer it to making extra money through selling options. It is easier, less time consuming, has the benefit of lower taxes because of favourable dividend and cap gains rates. But, one thing i can’t understand is that some people advocate investing on margin at the same time as they seem to hold a fairly large cash reserve. It seems to me to be more reasonable to use your cash reserves before borrowing. Am i missing something here. Or, does this practice not really make sense?
Thanks
Read Answer Asked by joseph on June 07, 2022
Q: I have 1400 BMO shares in Rrsp, I want to sell them and buy tech stocks, looks like tech stocks are hit bottom, this is the list that I want to buy Lspd, Nvei, Toi, shop, Cts, Eglx, At , Goog, Amzn, Upst and Apps, your thoughts please, thanks always.
Read Answer Asked by Hue on June 07, 2022
Q: I am fully invested in my RRIF account and in anticipation of the annual required payout in September, I have to choose what security(ies) to sell to fund the required withdrawal. The choices include current (energy) winners, preferreds with decent dividends, tech and industrial stocks bearing no dividends and most of them under water, or financials and utilities earning good dividends but down from previous highs. Overall, I’m over-weight in financials and energy and under in most all other categories. Also, pull the trigger now given market sentiment or wait until under the gun? Thank you.
Read Answer Asked by Ralph on June 07, 2022
Q: What is your opinion of this ETF for a core long term holding for exposure to the oil and gas industry? Is the MER high/low in your opinion. What alternatives if any would you suggest? Thanks
Read Answer Asked by Kolbi on June 07, 2022
Q: I am always confused on days like this when Canadian oils go one way and American oils the other. I would have thought the sectors would both move mostly in tandem guided by oil and gas prices. But, not for the first time, XEG is down today while XLE is up. Why would that be? Yes, it is a bad market day, but ALL my US oils are up strongly while many of the Canadians (TOU in particular) are down. BTW, what % of a diversified portfolio would you devote to oils and gas today? Should pipelines be included in that consideration?
Read Answer Asked by John on June 06, 2022
Q: I hold SU PSK and WCP. I don't want to hold oil and gas in the long term, so want to eventually sell these three stocks. Do you feel this sector will likely perform well through a recession and would you tend to continue to hold them through the next year? Could you suggest a target price for each. Could you suggest what I might replace these with in the alternative energy sector - with dividend. Thank you!
Read Answer Asked by Pat on June 06, 2022
Q: UDIV Manulife Smart U.S. Dividend ETF Hedged TSX,CA

Would this be a good addition to a portfolio at this time.

Would you wait or buy now?

Or would you recommend something better?

Thank you.
Read Answer Asked by Ross on June 06, 2022
Q: Do you think the remarkable energy share price surge will continue, if at a lesser pace than the past year? Rumours of $150-$180 oil are popping up. Would you care to offer a prediction for oil prices 12 months from now?
Read Answer Asked by Steven on June 06, 2022
Q: Seeking clarity on corporate class etfs. Does this structure exist using US dollars and does it exist in the US? Is there any other provider other than Horizons? Does the structure result in dividends being reinvested in the etf thus becoming taxable as a capital gain when the etf is sold and therefore not taxable as dividend income while the etf is held? So does this structure assist an investor who wishes to reduce income for tax purposes during the period the etf is held? THANKS
Read Answer Asked by Ken on June 06, 2022
Q: I would like to get your expert opinion on where you see interest rates headed over the next 5 years? And have your view on stop loss orders changed?
Thanks
Read Answer Asked by Curtis on June 06, 2022
Q: Good Morning,

I am considering buying HHL for income in my cash account.

There are three investment options: HHL.U is denominated in U.S. dollars; HHL is hedged back into Canadian dollars and priced in loonies; HHL.B is also priced in Canadian dollars but is unhedged.

What are you overall thoughts on this ETF and which one would be best for me to buy in my cash account?

Thanks very much.
Read Answer Asked by Dave on June 06, 2022
Q: I'm hearing more and more about a looming global food crisis, largely due to the unfortunate situation in Ukraine and its impact on grain shipments. Apart from fertilizer companies, what other options do you feel would be good expressions for a global food shortage investment thesis?
Read Answer Asked by Scott on June 06, 2022
Q: Hello 5i, Could you explain what these 4 companies are about and rank them in order from best first. I just retired and am looking for one or two companies where I can sleep at night and earn some income. Thanks
Read Answer Asked by Michael on June 06, 2022
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