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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, looking at potentially adding a fintech stock to round up my portfolio. With that said which do you think has the most upside but is a decent company? Please add other options if i missed some names. Thanks
Read Answer Asked by Tyler on February 10, 2022
Q: You indicated today that financials are one of the better sectors to be in. Assuming an investor is just starting out and wanted to buy a basket of financial companies. The goals would be to:
1. capture relatively high dividends from some of the larger companies
2. secure some faster growth by buying some small/mid-cap companies understanding this would require acceptance of. a bit more risk.
What Canadian companies would you suggest this investor buy today to put in that basket?
Read Answer Asked by Les on February 09, 2022
Q: I have significant holdings in RY, BNS, TD and MFC. These names have done very well in the past two years. They will continue to earn Dividend Income but growth will definitely slow... Is this a time to sell these names and put the money to better use as the market pulls back?
Read Answer Asked by Timothy on February 09, 2022
Q: Hi,
There were a few questions in January 2022 about both the US/Canadian banks. Your answers seem to be favour holding some banks b/c of rising interest rates and more recent earnings results.

What are your favorite bank ETFs in Canada and in the US? (US ETFs are a lot cheaper to buy and hold). Do you still feel optimistic about this sector?

This is for my RRSPs. So, withholding tax is not a factor.

Thanks in advance.
Read Answer Asked by Savalai on February 08, 2022
Q: How strong is the Visa moat? Is it vulnerable to disruptors? Will big players like Amazon going their own way be a material hit overall? Is there still enough market share to gain from cash payments globally to continue the growth rate that supports the valuation?
Read Answer Asked by Benjamin on February 08, 2022
Q: Please comment on the following possible risks to owning GSY:
1) Balance Sheet - 5i’s January report indicates it is strong, but Debt/Equity (as of Sept/21) is almost 160% (considering Long Debt only). My understanding is a ratio of 25% or less is good.
2) Interest Rates - Rising rates are generally good for Financials like Banks/Insurers since they hold lots of cash. I don’t think GSY holds deposits, so does that mean rising rates are bad for it?
3) Loan Defaults - Related to rising rates, wouldn’t GSY’s client base be quite vulnerable here?
Read Answer Asked by Paul on February 07, 2022
Q: Canada Post is currently piloting a Canada Post MyMoney Loan where funds would be delivered from TD to help expand access to financial services (loans) for Canadians.

The personal loans offered by Canada Post and delivered with TD are available in smaller dollar amounts starting at $1,000 – and up to $30,000 – with flexible repayment terms ranging from one to seven years. As always with TD products, customers can expect competitive interest rates.

Do you see this benefiting TD in any significant way and also do you see this hurting a company like GSY.

Curious to hear your thoughts.

Thank you
Read Answer Asked by Stephen on February 04, 2022
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