Investment Q&A

Q: Comment on: Question asked by Adam on November 09, 2025:

... Is there financial planning software available to DIY investors that you have used yourself or heard is good that can be used to to model some of these different scenarios in an attempt to minimize taxes and maximize the value of their after tax portfolio?

Summary: Financial planning software I've tried/used to manage our large DIY recently converted to RRIF portfolio.

- Adviice: My go-to app for DIY planning for simplicity and shared access with my financial planner
- MoneyReadyApp: Generates plans similar to financial planners ($$$), but requires serious effort and good financial knowledge
- Wealthica: Basic
- WealthScope: Wealthica add-ons for deeper analysis - Good
- Zigma: Could not import from TD WebBroker
- ShareSight: Could not import from TD WebBroker

Q: FEEDBACK Re Timelines for answering questions.

I have been a happy 5i’er almost since Day 1. Lucky me. A very rewarding experience…. perfect , maybe not - but I haven’t found a better service or something at lower price for 5i services.

Over the years and given all the questions I have asked, my recollection is that having to wait longer than 36 hours has been amazingly rare. And none of my questions have ever been lost.

Maybe I am just lucky …but my experience has so positive. Thank you.

So call me Happy Camper.

Q: Hello,

I like and appreciate the timely customized responses you provide to subscriber questions.

When I get up in the morning and look at 5i to see what is new, it looks like you have been up for a couple hours and prepared fresh responses to questions.

I also find it beneficial to check back in thru the day, on weeks like this, to catch up on the latest questions and responses.

I took your advice a few years ago and purchased other subscriptions and am learning from different perspectives besides 5i.

If it takes a few days to clear the question backlog, it is not critical to me, because my investing is becoming more planning oriented and use 5i, and 5i subscribers multi-faceted questions, as an additional input to the process.

Keep at it.

Thank you

Q: Hello
Wondering if 5ii can comment on daily questions being answered in a consistent time window ? IS there an actual internal commitment (time or # of questions) or are both random ?

I feel since we have a signed up to the 5i paywall should we not expect to have most to all of these answered within 2hrs of market open minimum VS completely random times or 2-3 pages much later in day.

The are many FREE market emails or alike that arrive daily at the exact same time which is very helpful for DIY investors to make their research / investing decisions accordingly

IE:
Open Bell Daily or even the Motely Fool or the Pomp Letter

Q: Hi Team,
This week so far has been the worst ever for my portflio. Down 12% just this week. . The names I had conviction in are getting demolished this earnings season (Lmn , gsy, Prl , PNG , Rddt , Meta , nbis , nvda ) to name a few that are dropping big today . The market has felt jittery to me for a while now like a house of cards. Where do you see things heading from here ? Is it time to move to the sidelines ? Or hold out for more pain? On the other side of things are there any specific buying opportunities or stocks you are watching to buy or add to during the recent declines?

Thanks ,
Shane

Q: Example on the 4th early morning indicated a big down day for the Market. As I have done in the past, I try to buy a couple on sale but when it opens up, within a short period of time, stocks are down 5% to 10%. I usually say I will buy the ones that are down the most. These are usually stocks in my account. They start going up and then they come down and go up and down. I end up getting a 10% stock at 5% less and after an hour or so, the stock is down 10% again. How should I purchase in this type of a mad scramble in the early morning?
Your expertise is greatly appreciated.

Q: To follow on Marco's "general question" of Nov 3rd (great question by the way) if putting price suggestions in is one of your pet peeves, why not simply decline to provide them? As 5i has indicated many times in the past, for long term investors the decision should be to own, or to not own. My 25 cents.

Q: How much attention should I pay to book value? How does book value play into managing a portfolio? After holding an investment for a number of years, taking profits, adding to the position, etc, I try to look at both the market and book value when making decisions. My idea is that I don't want the book value to exceed 4-5% of any stock. Lots of advice about management of the current market value, but I hear less about book value. Thanks for your advice.

Q: Everyone. Since the dawn of time i have seen this or that analyst state that this or that company will double in the next one or two years. It makes me always wonder what if but i always think with facts and not with emotion. Since analysts have a vested interest. Clayton

Q: The above firms I've been following on a watchlist for possible additions to my U.S.account.
My themes are bricks & mortar U.S.Nuclear, Renewable Energy, Space Launch / Satellite Services, Quantum Computing, Residential Real Estate recovery and Industrial Robotics.
My questions:
The momentum is solid for most of these,
I have no problem buying positions in BXWT or BE. The others are like investing in OKLO....the financials are dubious at best. Which 2 of the other themes would you consider investible today and why?
Thanks in advance. David

Q: General question here. Many folks often ask for stock ranking and entry prices. However, as I am typically a long term holder of equities can you put into perspective how we should interpret this info? If we are going to buy something long term (10yrs or more) isn't it rather immaterial if we end up "overpaying" somewhat. This becomes even more true with growthier type stocks that have great upside but can only go to 0 as worse case scenario, when considering position sizing. So, that being said, can you help clarify how we should navigate "good buying" and what main criteria should we consider that may be more important overall than just entry price? Thanks!

Q: does 5 I have a referral program. If so how does it work?

Q: To what degree are you leveraging AI to help answer submitted questions? What platform are you using?

Q: Hi All at 5i!!
There have been ruminations that Ai is in bubble territory. In case that this is true and we are in for a correction, which 5 Ai producing companies would be likely to weather the downturn the best.

Cheers,

Tamara

Q: What type of metrics or tools do you use when finding successful Small cap companies? How does a small cap companies arrive on your radar?

Thank you

Q: With the advent of CDR’s for companies like APPLE and MICROSOFT etc. I own both of them in CAD. Can these shares me moved over to the USA side of the ledger in the same way as regular shares which I have done over the years, thanks to 5i.

Q: I was wondering if there is any way you have to see whether employees of these companies are buying the dip in real time?
Thanks

Q: Lately I’ve noticed that aside from AI tech, financial, and gold stocks, most other sectors seem to be sliding. Are we in a rotation phase right now? Would love to hear your thoughts—any idea when the rest might start to move?

Q: I have experimented with several AI engines (including ChatGPT , Grok, and Copilot) and have noticed numerous inaccuracies when cross-referencing against reliable sources. I’ve also found responses somewhat sycophantic. At best the tone of responses I get are overly deferential, even when I am careful to keep my prompts neutral and precise . This can lead to incorrect conclusions and wrong decisions.
Please share your insight, views and comments on which premium AI platform currently provides the most reliable and *up-to-date* forensic data on businesses for informed buy or sell decisions. I’d appreciate your insights and , if possible, specific recommendations.

Q: is there a place on the net where you can find out what mutual /asset management companies are invested in [stocks] in canada