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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: If forced to give a percentage chance of CWB failing, what would it be. CWB looks like a decent buy to me at the moment. Yield is good, payout ratio is reasonable, last report was okay, they are becoming more widely involved across Canada, etc. However, they are relatively small and by nature more involved with somewhat riskier loans. Is this a bank you would invest in right now?
Read Answer Asked by Donald on March 21, 2023
Q: Can you suggest 5 beaten down, safe financial names with good long term prospects? Please include any relevant US companies that are available as EDRs. Thank-you.
Read Answer Asked by Alex on March 21, 2023
Q: Hello - just wondering if you can shine a light on what the Cdn banks do with excess capital? I'm aware our banks are more regulated and conservative than their US counterparts, but given the asset/liability mismatch of SVB holding long treasuries with deposit money - I'm wondering if what Cdn Banks do with their deposits is regulated and what the big 6 are doing with that capital in gerneral. Thanks!
Read Answer Asked by Ben on March 21, 2023
Q: Hi team,
I can’t get over why BN is selling off so much. I have listened to their conference calls, scrolled through their investor presentations and letters to investors. The quality hard assets they are owning seem rock solid with steady predictable cash flow. They seem to own the quality hard assets that keep the world going . I like that they are also very in tune as to where the new money is being allocated on a global scale (such as new global investments in green energy ). They really seem like top quality operators and remind me of Berkshire. I don’t see where they are tied to risk with this latest bank crisis that would tie them up to the selloff . They advertise 175 billion of available investment capital. Yet their market cap only shows 61 billion according to my brokerage. It amazes me like a risk asset like bitcoin is being bought up today even thought it’s mostly the crypto banks that are having issues and are most tied to this failure of Svb and such . You would think stocks like Bn and Berkshire should be flocked to as a safe haven but it don’t seem that way. Anyways ; rant over. What am I missing something ? In my eyes for a long term investor this seems like a great time to buy BN shares being almost cut in half from its high? Do you agree?

Shane
Read Answer Asked by Shane on March 20, 2023
Q: WHAT ARE THE DIFFERENCES IN ASSETS AND INCOME S0URES (RECEIVING) BETWEEN BAM AND BIP.UN.? WHAT ARE THE ASSETS OF BAM AND WHERE IS THE INCOME COMING FROM? WHAT ARE THE ASSETS OF BIP.UN AND WHERE IS THE INCOME COMING FROM? DO YOU HOLD BOTH OR NOT?
Read Answer Asked by Herbert on March 20, 2023
Q: Peter,

Recently I believe you referred to Credit Suisse as being a “basket case” for some time. How would a layman pick up on this type of thing. Please expand.

Thank you

Paul

Read Answer Asked by paul on March 20, 2023
Q: In feb/22 Td made an offer to purchase Fhn (who at THAT time had 55 B in loans and 75B in deposits) for 13 B or $25 a share
At that time U.S. 10 year treasuries were about 40 pts above the 2 year and the U.S. prime rate was 3.25%.
On Mar 17 Fhn was trading at $14.93 down from $21.93 a week ago and the 2 year treasury is now .57pts ABOVE the the 10 year while the U.S. prime rate is now 6.70%
Looks like investors believe Td may back out and or Fhn is losing a lot of deposits.
Meanwhile UBS has made on offer Toi purchase Credit Suisse currently valued at 8 b Euros for 1 B’
Would it not be better for Td to back out of the offer, pay a penalty and use the funds to purchase shares in Charles Schwab at a much lower price then what Td sold them for or offer to purchase Fhn at a much lower price after a NEW risk assessment is done on FHN assets
Read Answer Asked by Terry on March 20, 2023
Q: Good morning
I have never been too concerned about bank failures here in Canada. But the many questions about protecting one’s account has stirred me a bit and made me wonder if i am too complacent. We had our accounts at different institutions but i was happy to consolidate them with just TD. You say the best way to protect one’s self is to make sure non registered accounts are under one million. Is it worth all the trouble to do that? I know that this is quite subjective but i would appreciate your take on it
Thanks as always
Read Answer Asked by joseph on March 20, 2023
Q: Did Buffett just fly all the regional bank CEOs into Omaha & offer a deal to SAVE the banks?
Read Answer Asked by Rick on March 20, 2023
Q: With the banking crisis, there is a general feeling that lending will be reduced. Do
you feel that we could be at the start of a broader decline in markets now?
Read Answer Asked by Michael on March 20, 2023
Q: AS A RETIRED AND CONSERVATIVE INCOME INVESTOR I AM CONSIDERING THE PURCHASE OF ZWB IN A TFSA AND WOULD APPRECIATE YOUR OPINION DETAILING THE PROS AND CONS OF SUCH AN INVESTMENT AT THIS TIME.
1.I NOTE IT IS DOWN ABOUT 20% THIS PAST YEAR WITH A PRESENT YIELD OF ABOUT 7/12 PERCENT, IS THIS YIELD NET OF TRADING AND MANAGEMENT FEES?
2.DOES THE ETF WRITE COVERED CALLS ON THE ENTIRE PORTFOLIO?
3.GIVEN THE RECENT DECLINE IN THE BANK SHARES AND THE MARKET IN GENERAL AND WITH A 5YEAR TIME HORIZON, WOULD YOU AGREE THERE IS MINIMAL DOWNSIDE RISK, OTHER THAN GENERAL MARKET RISK,AND
4.WHAT TYPE OF MARKET AND ECONOMIC CONDITIONS LEADS TO AN INCREASE OR DECREASE IN THE PERFORMANCE OF THE ETF.

THANKS BRIAN
Read Answer Asked by Brian on March 17, 2023
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