Q: Just a comment on how 5i will answer a question to a client who will say they are down 40% on a stock that at one time was recommended by 5i , but 5i will say that the stock is up say 15% this year, it still does not make the stock a winner or make it a stock to hold. Nobody gets this market right all the time, and sometimes i feel that 5i should say get the heck out of this stock, Just like Cramer on CNBC.
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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 you sell a dividend stock after the ex-dividend date but before the pay date, do you still get the dividend payout or do you have to wait until after the pay date?
Q: The question today by George has made me question my investment set up....specifically about CDIC and FSRA insurance. I think you discussed deposit insurance in prior questions, but I can't find them.
I have the bulk of my investments with RBC Direct Investing (all of my equities), half of my fixed income in an Insured Annuity with the other half with Fisgard Capital Corp (FCC is a mortgage company). Between my wife and I we have 3 RRSPs, 2 TFSAs and 2 Cash accounts at RBC. At FCC, we have 2 RRSPs and 2 Cash accounts.
I think my set up is fine, but thought I would check to see if there are any holes.
Q#1 = what is the difference between CDIC and FSRA insurance (never heard of the latter)?
Q#2 = is the insurance related to the financial institution going belly up?
Q#3 = is there a "coverage" difference between the asset class? Like equities vs fixed income?
Q#4 = is the $100,000 coverage for each account (like RRSP, TFSA, Cash) or by account holder (husband vs wife) or by institution (RBC vs TD)?
Just to throw this out...would it be an idea to have a blog on this topic? I think it might be too big a topic to cover in this question-answer format. If you've already done one, please add a link.
Thanks for your help...Steve
I have the bulk of my investments with RBC Direct Investing (all of my equities), half of my fixed income in an Insured Annuity with the other half with Fisgard Capital Corp (FCC is a mortgage company). Between my wife and I we have 3 RRSPs, 2 TFSAs and 2 Cash accounts at RBC. At FCC, we have 2 RRSPs and 2 Cash accounts.
I think my set up is fine, but thought I would check to see if there are any holes.
Q#1 = what is the difference between CDIC and FSRA insurance (never heard of the latter)?
Q#2 = is the insurance related to the financial institution going belly up?
Q#3 = is there a "coverage" difference between the asset class? Like equities vs fixed income?
Q#4 = is the $100,000 coverage for each account (like RRSP, TFSA, Cash) or by account holder (husband vs wife) or by institution (RBC vs TD)?
Just to throw this out...would it be an idea to have a blog on this topic? I think it might be too big a topic to cover in this question-answer format. If you've already done one, please add a link.
Thanks for your help...Steve
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Brookfield Renewable Partners L.P. Limited Partnership Units (BEP)
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Brookfield Infrastructure Corporation (BIPC)
Q: I'm thinking of buying BIPC or BEP. in my US account. Do you have preference between the two and if so why. Also could you provide me with their current and forward PE's. Thanks for your help.
Q: Rob on November 15 asked about Shareclubs. There is a relatively current listing here: https://money4retirement.ca/canflid_clubs/. It was based on the earlier MoneySaver listings and updated during some outreach with these clubs.
Q: Can you explain (laymen's terms) The news release November 10th and how the Dutch Auction works, are shares tendered through a broker? NCIB seems much simpler. Thanks!
https://www.5iresearch.ca/company/tsx/CIX
https://www.5iresearch.ca/company/tsx/CIX
Q: Hi friends,
I see that you have been recommending total market ETFs of Vanguard US and Vanguard Canada etc., in response to questions of different members.
When I look at the Management fees, Vanguard Canada fees are much higher than that charged by Vanguard US, for similar ETFs..
If one has US$ funds, is there any restriction or problem in going for Vanguard US ETFs, instead of Canadian and save some fees?
What are the pros and cons of buying Vanguard Canada ETFs vs US ETFs?
Thanks in advance for your thoughts / views.
Antony
I see that you have been recommending total market ETFs of Vanguard US and Vanguard Canada etc., in response to questions of different members.
When I look at the Management fees, Vanguard Canada fees are much higher than that charged by Vanguard US, for similar ETFs..
If one has US$ funds, is there any restriction or problem in going for Vanguard US ETFs, instead of Canadian and save some fees?
What are the pros and cons of buying Vanguard Canada ETFs vs US ETFs?
Thanks in advance for your thoughts / views.
Antony
Q: Good morning,
My intention is to move some US $ from my US Non Registered account to my CDN $ Non Registered account through a journal transfer.
I just sold a US ETF and with the proceeds purchased TRP.US
Q1. Are the TRP.US dividends paid in US $ or CDN$?
Q2. Do the TRP.US dividends generated in the US Non Reg Acct qualify for the Canadian Dividend Tax Credit?
Q3. Can I simply call my TD Direct Investing broker to move TRP.US from my US Non Reg Acct to my CDN Non Reg acct?
Thank you and I'll await for your response to these three questions.
My intention is to move some US $ from my US Non Registered account to my CDN $ Non Registered account through a journal transfer.
I just sold a US ETF and with the proceeds purchased TRP.US
Q1. Are the TRP.US dividends paid in US $ or CDN$?
Q2. Do the TRP.US dividends generated in the US Non Reg Acct qualify for the Canadian Dividend Tax Credit?
Q3. Can I simply call my TD Direct Investing broker to move TRP.US from my US Non Reg Acct to my CDN Non Reg acct?
Thank you and I'll await for your response to these three questions.
Q: Hi 5i Team - I am interested in joining a group of individual investors who like to share their opinions and research on various equities. Basically a discussion group not necessarily involving a specific speaker. This could be through virtual or in person meetings. Do you have any suggestions. Thanks.
Q: Everyone, if you could read only one: magazine / newspaper / or online newsfeed what would that be (beside 5I) to get your financial perspective on the world? Clayton
Q: Just a thank you to 5i for all your insight and answers at such a busy time during q3 results . Great team!
Q: This is my first year investing in a non registered account. I've invested with BMO Investorline. My question is do I trust the average cost they post for each stock? How do I verify it is correct? I can set up an excel spreadsheet but not sure how to accurately figure out the adjusted cost base. Thank you.
Q: What metrics do you look at to determine if long term holds for dividend income are still safe for that dividend income? I have a pretty diverse portfolio and more than half of it is in banks, oil, telecoms and utilities. I have held these since before Covid, Financial crisis, two wars presently raging and introduction of AI, let alone the Climate Change growing issue. So I'm looking out say 10 years and want to look at each of my long term holdings to determine if they are still long term eligible and if so will their dividends be safe. Any thoughts on a frame work/lens that I should be considering in this kind of a review?
Q: Hi 5i ,
As a follow on to my previous question on not receiving Hmax dividend ...how does one go about inquiring about this type of issue...I see no contact information on Hamilton website...any suggestions on how to move forward?
Thx
As a follow on to my previous question on not receiving Hmax dividend ...how does one go about inquiring about this type of issue...I see no contact information on Hamilton website...any suggestions on how to move forward?
Thx
Q: if one Canadian person has ,say $ 1,000,000 invested with 10 DIFFERENT institutions, is the whole 1 mil covered by CDIC and FSRA insurance
Q: ETF's. Is this true? Thank you.
Most funds allocate assets in one of two ways. The first and most straightforward way is equal-weighted, which means the money you invest is equally split between the stocks the fund holds. If a fund has 500 companies and you invest $500, each would get $1.
The other primary method is distributing investments by the companies' market capitalizations (market caps). In this case, companies with a higher market cap receive more of the invested amount. For example, if a fund has 500 companies, a $1,000 investment could mean $5 to the largest company in the fund, while $0.10 goes to the smallest. The exact distributions will vary based on the range of market caps in the fund.
Most funds allocate assets in one of two ways. The first and most straightforward way is equal-weighted, which means the money you invest is equally split between the stocks the fund holds. If a fund has 500 companies and you invest $500, each would get $1.
The other primary method is distributing investments by the companies' market capitalizations (market caps). In this case, companies with a higher market cap receive more of the invested amount. For example, if a fund has 500 companies, a $1,000 investment could mean $5 to the largest company in the fund, while $0.10 goes to the smallest. The exact distributions will vary based on the range of market caps in the fund.
Q: Do you know of an app tied to daily US/Cdn $ exchange rate which I can use to track performance of US stocks in terms of Cdn $ which is required for Canadian tax reporting . I have DRIPs on US stocks but of course their cost in C$ when drip shares are purchased is what is required when asset sold. My online account only tracks the US$ ACB which doesnt track currency on drip settlement date. Thank you.
Q: ex-dividend on the 11-14-23 if I sell on the 15 do Istill get my dividend?
Thank you
Thank you
Q: I apologize for this very basic question but I need to confirm the following please:
If I buy a canadian company’s stock (ex CM) with U.S. dollars on a
U.S. exchange, will I receive the dividend in U.S. dollars?
To receive the dividend in $U.S. , I don’t need to advise my brokerage or make any special request ?
There would be no withholding tax, right?
Thx
John
If I buy a canadian company’s stock (ex CM) with U.S. dollars on a
U.S. exchange, will I receive the dividend in U.S. dollars?
To receive the dividend in $U.S. , I don’t need to advise my brokerage or make any special request ?
There would be no withholding tax, right?
Thx
John
Q: Hi 5i,
I thought that I had sent this question but I will try again.
Re DRIP's. I hold different accounts. Over the years I have noted a discrepancy in the time it takes to deliver the shares. Some are delivered very quickly whereas other management accounts will take up to 10 days to deliver.
Is there an advantage to the management company by delaying the payment? Are there rules to the DRIP process?
I like the new rules to question time.
Thank you,
David
I thought that I had sent this question but I will try again.
Re DRIP's. I hold different accounts. Over the years I have noted a discrepancy in the time it takes to deliver the shares. Some are delivered very quickly whereas other management accounts will take up to 10 days to deliver.
Is there an advantage to the management company by delaying the payment? Are there rules to the DRIP process?
I like the new rules to question time.
Thank you,
David