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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: Good morning,
I own a 3% position in BIPC and smaller positions in BBUC and BBU.UN. I was thinking of selling all three and adding to BN before the split. I also own BEP.UN.,BAM, BEPC and BN. This is in non -reg account. Since they are relatively small gains, taxes are not an issue. Thanks, Paul
Read Answer Asked by Paul on August 29, 2025
Q: My portfolio is top heavy in Financials and lately two of the companies I have a good interest in have been punished by the market. Both after earnings that disappointed. Do you believe both have structural problems that will weigh on their stock price for a good time or is it only passing issues they will soon recuperate from? Thank you.
Read Answer Asked by Adel on August 29, 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: HMAX's dividend has been slowly declining since the ETF's inception in 2023. Please offer an explanation for the decline, as well as provide your thoughts on the size of the dividend going forward. This is one of the few investments I hold strictly for the income stream and, if the dividend is likely to continue trending down, I will be moving on. Thank you.
Read Answer Asked by Maureen on August 28, 2025
Q: EQB's earnings were surprisingly bad. I expected maybe not great after seeing NA report, but its worse than that. Deposit growth is way below the projections they gave a few years ago, which never came to fruition. Customer growth is lagging and the loan book continues to deteriorate. They seem to be trying to smooth the impact with a big 17% div raise. But this is starting to be consecutive quarters or bad news. Thoughts?
Read Answer Asked by Adam on August 28, 2025
Q: This relates to response made on Royal Bank on Aug. 8th, person had 25% on there holding, advise was to not keep a single bank stock over 8% in a portfolio. I own it as well, makes up just over 13% if my portfolio, ive owned it long enough my dividend is almost 7.5%, I know you don't give personal advise, I see no reason to sell any, but might I be better selling some and looking at another bank maybe TD, I do own BNS in another account, it's just over 8% of.that portfolio.
Read Answer Asked by Don on August 28, 2025
Q: With interest rates potentially going lower in the US I was wondering about your crystal ball thoughts on where this ETF might peak this cycle ? I bought in when it cratered a couple years ago.
Read Answer Asked by STEVE on August 27, 2025
Q: What are your preferred vehicles to hold crypto currency (bitcoin, ethereum, xrp) without holding the digital key personally? Please touch on risk levels, growth prospects. Deduct as many questions necessary.
Read Answer Asked by Joel on August 27, 2025
Q: I have held BNS in my cash account for several years and the stock has been essentially flat. I am looking to replace it with HCAL. There would be minimal capital gains tax and they have essentially the same yield. HCAL has 1.25 leverage to the big Cdn banks. Thinking of the tendency of individual banks reverting to the mean , am I selling BNS at the wrong time as it does seem to be participating in the industry’s strength of late. What do you think of this move ?
Thanks. Derek.
Read Answer Asked by Derek on August 25, 2025
Q: In 5i's recent video, it was suggested that - because of extreme volatility - an initial investment in crypto shouldn't exceed 1%. About six weeks ago, I took a 3% position in HOOD, reasoning that its diverse areas of business should insulate it somewhat from the wild crypto swings. Up 9% now in a TFSA. Given HOOD's high beta (>2.3), the likelihood that markets will go down in September, and the size of my current holding, if this were your portfolio, would you be inclined to take the small profit and reduce exposure down to the suggested 1%? I recognize you cannot provide personal advice, so hope I am not crossing the line with this question. Thank you.
Read Answer Asked by Maureen on August 25, 2025
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