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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 all , my question is when should you add more shares to your portfolio holdings if you plan to hold the stocks you have for a few years. Is there a good time during the year when to add , is it after good company results or when a company goes up or down a certain % , or just keep a % weighing and never add to it .
Thanks,
Read Answer Asked by Costa on February 15, 2023
Q: I am trying to understand the tax ramifications of return of capital. In a simple case where a fund had increased in market value by 10% and has a yeild of 10% all of which is return of capital, there would be no taxes payable. However, if I sold the fund, there would be a total of 10% payable as capital gains. As a result I have always assumed that return of capital is the best yield as long as the market price of the fund has not gone down. Am I looking at this too simplistically?
Read Answer Asked by Don on February 13, 2023
Q: Good Morning,

Could you please explain how a margin account works for the newer or inexperienced members. A general explanation on costs, taxes, overall thoughts, etc would be appreciated. Thanks again.
Read Answer Asked by Darby on February 13, 2023
Q: Hi 5i Team,
Can you please recommend a web site or an app (free or on a paid subscription basis) for managing stocks.
Cheers,
H
Read Answer Asked by Harry on February 09, 2023
Q: Hi,
This morning Hector had asked you about www.stockcharts.com This is not a question but comments.

1. On Cyber Monday, Stockcharts typically do a "Sale" . One can get up to 3 months extra if one subscribes for 12 months. So, you pay for 12 months but use it for 15 months.
2. The MID level subscription seems to offer a lot more than the Basic version. The Pro level, well, it is for the PROS!!
3. Their educational tools , some of which are freely available on You Tube, are very useful. One may want to look at these clips before they decide if it is for them or not.
Search with StockchartsTV
4. Tradingview, Finviz and even koyfin(the less expensive versions) are probably competitors.

Hope this helps.
Mano
Read Answer Asked by Savalai on February 09, 2023
Q: I watched the utube of Chris an analyst at 5i Research on Shopify. I wasn't aware of him. As a member of 5i Research, I am happy to have his knowledge available. Recently someone was looking for moving averages and Stockscores was mentioned. It doesn't seem to provide the 50 or 200 day moving averages for various stocks - we only saw the example (Facebook) which did not have that option. In the past I have seen the 50 and 200 day moving averages whether it was on Globe Investor or iTrade or Bloomberg or charts on your system. Would you be able to advise easy access to it? Thanks so much.
Read Answer Asked by Dennis on February 09, 2023
Q: Hi Team,

Looking for your valued opinion regarding the Empire Life Class plus 3.0 insurance/annuity product. This would be for a retiree, 64 years old.
Any concerns with this strategy or things to look out for.
Thank you
Read Answer Asked by Kyle on February 09, 2023
Q: How do you convert BNRE shares into BN shares. I have only 1 BNRE share and do not want to pay broker fees.
T Stephen
Read Answer Asked by Stephen on February 08, 2023
Q: Bloomberg had a segment on recently where structured notes were discussed as a solid way to provide downside protection for a portfolio. Energy was
This was a question from feb 6. Asking about structured notes that allow for upside but sell at lower levels to protect from down side risk. Is this not the same as putting at stop sell order on your stock to protect against large loses? But at no extra cost.
Read Answer Asked by Valdis on February 07, 2023
Q: Hi 5i Team- Although I am familiar with the following metrics/terms I am having difficulty differentiating them one from the other and having a clear understanding of what each one means. Could you explain the difference between earnings, net earnings and profit. Also what is the difference between cash flow and free cash flow. In addition does free cash flow automatically mean profitability. Thanks.
Read Answer Asked by Rob on February 07, 2023
Q: Having recently watched on BNN an expert on technical analysis, could you provide me with your opinion on how important moving averages are and which ones are the best to look at - the 50 day moving average, 200 moving day average or other. Also where would be the best site to go to track these moving averages. I have never paid much attention to technical investing but am starting to think that it does have its place in assessing the success of a stock. Thanks.
Read Answer Asked by Rob on February 06, 2023
Q: Everyone, what emphasis do you place on the charts for either buying / selling / holding a stock? In my technical portion of my stocks during the last month all have climbed above the 200 DMA and most are above the 50 DMA. Most are above the previous short term highs with the RSI around the 70’s and the MACD well above the neutral line. I don’t use them for a buy and have sometimes used them for a sell. During a hold it is used to compare to the broader market. Clayton
Read Answer Asked by Clayton on February 06, 2023
Q: Bloomberg had a segment on recently where structured notes were discussed as a solid way to provide downside protection for a portfolio. Energy was highlighted as a good example given the recent decline in oil and gas prices.

Apparently the banks have these structured notes.

Would you agree with the “ protection “ aspect of these notes and how one can buy them.

Thanks.
Read Answer Asked by Donald on February 06, 2023
Q: Hello friends,

I was wondering if you ever did this exercise to check if any of the three model portfolios sector allocations match the sector allocations proposed/suggested by the Portfolio Analytics.

For example, does the sector allocations for the Balanced Portfolio match the Balanced or Alpha-Balanced allocations suggested by the Portfolio Analytics?

Perhaps this would be a nice subject for a blog article that could also explain the rationale behind the differences (if any).
Read Answer Asked by Iulian on February 06, 2023
Q: This is more of a question to understand journaling in general than about the specific situation. However, the situation provides an avenue.

At the beginning of my self-investing career, I accidentally bought ENB (US) instead of ENB.TO. It didn't seem worthwhile to change it. But I do wonder how the currency conversion works if I journal it. Do I lose on the exchange from USD to CAD? Does the share count remain the same?

I feel a bit naïve here but want to clear up this gap in my understanding.
Read Answer Asked by Kevin on February 03, 2023
Q: if the primary objective is to maximize return, with minimal risk, over a 5 or 10 or 15 year time frame why would you consider stock picking over index funds? Personally i do it, using a barbell approach, because I think i can beat the index in some capacity.

But if you believe the general consensus that index funds vastly outperform active funds or stock picking why should we try?
Read Answer Asked by Rob on January 31, 2023
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