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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: Hi, I'm looking to add some cryptocurrency exposure to my RRSP. Which would you prefer? What's your current view on the sector? Thanks!
Read Answer Asked by Michael on February 18, 2020
Q: We currently have 100 shares of Visa and believe the cc space is a strong area to invest in with the cashless trend in business, while we feel Visa and Mastercard are the dominant players we personally use our Amex card extensively and would like your opinion of adding axp to our portfolio or should we add to Visa.
Doug
Read Answer Asked by Doug on February 18, 2020
Q: Paypal looks to be making some very strategic moves from getting access to the Chinese Market, worldwide partnership with Unionpay and a strategic investment in Mercadolibre. I have not really felt a need to add them as a holding but with these moves they are shaping up to be a play on international markets such as LATAM and China without owing companies solely focused on those markets. How does it looking for a long term hold alongside MasterCard, Visa and Square. I like the payment space.
Read Answer Asked by Sal on February 18, 2020
Q: Annaly seems to have produced some good results, based on market reaction, but I have difficulty understanding their financial statements. For me it's rather like peering through mud.
I've owned varying amounts of NLY for over 10 years and have recovered most of my capital as well as continuing to receive a fairly high yield.
Are you able to shine some light on it or would you need a team of accountants?
Read Answer Asked by Larry on February 18, 2020
Q: I'm a highly aggressive growth investor (thanks for your help). At 86 with too small a pension, its time for some fixed income. I've sold 25% of my equities. Where do you suggest I put this cash so I get some return? Thanks.
Read Answer Asked by Bill on February 18, 2020
Q: hello 5i:
recently, I asked a question about WFC. Thanks for your prompt reply. However, it leads to a second part. I already own BNS and BMO in a weighting I'm comfortable with, but do wish to add another financial (not sold on JPM). TD seems to have a large US presence, something I want, while also seeming to find favour with you over the years as a "go to" name in the financial sector. Obviously then (if I have this right), you'd take TD over WFC. But would just adding to BNS or BMO be a viable option? The only factor these banks seem to lack is the larger US presence.
thanks
Paul L
Read Answer Asked by Paul on February 15, 2020
Q: Hello 5I staff,
I keep hearing rumblings that management want the the 2 class structure of these Power companies eliminated, but the Demaries won't give it up.
Do you have an opinion on whether this power struggle is going to hold back the Company in the future, like what is happening to Bombardier and should I be divesting out of these holdings (PWF, GWO, etc)?
Read Answer Asked by James on February 14, 2020
Q: hello 5i:
WFC should now be showing signs of stability in their turnaround, if such a thing is going to happen. Can you comment on this subject, on their valuation compared to other US banks, and to how you view them today. I understand that JPM is your favourite, but it looks pricey to me.
thanks
Paul L
Read Answer Asked by Paul on February 14, 2020
Q: IAG reported a 7.8% increase in their dividend, EPS up by 14% … overall, results seem quite respectable yet share price is down over 3%. The executive commented ….

"Overall, business growth was very good in the fourth quarter. Sales were especially robust for segregated funds and in Group Savings and Retirement," Mr. Ricard continued. "Individual Insurance sales also finished strong with 8% year‑over‑year growth, and mutual fund sales improved. Solid profits and sales in both of our U.S. divisions in 2019 reinforce our desire to continue growing our U.S. presence in 2020, in particular with the acquisition of IAS announced in December 2019."

"Profitability remained strong in the fourth quarter," added Jacques Potvin, Executive Vice‑President, CFO and Chief Actuary. "Market growth and new business strain are among the items that had a positive impact on profitability during the quarter. Our year-end assumption review also had a slightly positive impact on our results. The review factored in investments in technology to improve client and distributor experience."

"Our guidance for 2020 puts core EPS between $6.30 and $6.90. That makes the midpoint 11% higher than last year," continued Mr. Potvin. "After exceeding guidance in 2019, we're also raising our target range for ROE to between 11.5% and 13%. Organic growth and various profit improvement initiatives will help us reach these targets. On another note, we achieved our goal of organically generating over $250 million in capital in 2019. Renewing that goal in 2020 will allow us to maintain our strong capital position."

Can you comment? Thank you
Read Answer Asked by Martin on February 13, 2020
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