Investment Q&A

Q: A 12 year member. Used to find Forums easily but after searching for quite some time cannot find Forums on Sept. 8.

Q: I currently do my investment trades thru National Bank Direct Brokerage. I is a very good platform but does not keep a real time update on Capital gains and losses for the year. Do you know of any sites that can do this? Thanks

Q: What is a good approach to evaluating risk for a stock investment? I can think of systemic risks, specific company risks, and historical drawdown price risks. Anything else? Is there a way to condense these into an overall risk estimate? Any articles or books on the subject you would recommend for DIY investors?

Q: Peter; What restrictions would be on DRX with respect to its share buyback and earnings tomorrow ? Thanks. Rod

Q: Is there a free website that you can provide where one can see the historical p/e ratios of publicly-traded corporations?

Q: SMCI 8/28 @10:30 down another 25% today. Hagens Berman are advising investors who are suffering substantial losses to submit your claims. Could you explain what the proper procedure is to do this or do you have other recommendations? Thank you so much.

Q: Dear 5i,
TD Direct Investing has recently introduced partial share trading.
Should an investor be concerned with getting fair market value when the trade is finally executed? Would you see any issues if one wanted to trade a popular high price stock like CSU (maybe 0.5 to 1.5 shares)?

Q: When I look at Kelt on the 5i website it says insiders are exercising options at 2.76. I am assuming these options were issued in the past. I am also assuming that the insiders are exercising the options for stock and are using their own money. DO options have an expiry date ?Are my assumptions correct ?

Thx

Q: hello 5i:
regarding the calculation of dividend payout ratios: can you tell me the difference between using Adjusted (Operating) Earnings and Free Cash Flow? And what is your preference between the two? Are there times when its better to use Operating Cash Flows?
thanks
Paul L

Q: Do you have suggestions for websites that provide historical equity information? Particularly performance such as best 1 month, 3 month, 1 year ect. Worst 1 month, 3 month, 1 year ect.

Q: Hi I am 40 years old. I currently pay into a pension and am scheduled to retire in 2040. I have mostly been growth focused throughout my entire portfolio and am wondering when I should begin to consider a more balanced style. Ie income vs growth. Just to limit any risks. Thanks for any advice

Please list your top 5 non-tech names in order? Us or Cnd

Please list your top 5 tech names in order? Us or Cnd


Timeframe is 5-10 years unless you feel it should be shorter based on my retirement time. Thanks and please deduct any credits accordingly

Nick

Q: Dear Peter et al:

This is a general and "conceptual" question and I believe this may apply to many of the "grandparents" who are subscribers of 5i.

We would like to give some money to help our grand kids. We contribute for RESPs.

Reading the literature, it seems one can set up an "in kind Trust" that can grow seamlessly till they reach 18 years old and it can be rolled over to them and as their income is still low, the taxes are low.
(I am paraphrasing the articles here.)

However, recently I was told that taking a Permanent Insurance for kids (Universal or Participating Whole Life?) is another option one may want to consider. As the grandchildren are still young , the premiums are low ..and it gives them not only life insurance(a dreadful thought) but gives them the ability to cash in their policy for an attractive lump sum amount that can be used for their education (post secondary) or whatever they wish to do. I have never heard or read about this option before and wonder if you have any opinions. If you can forward some articles comparing these two strategies, In trust account VS Permanent Life policy, I would appreciate it.

BTW, I have reviewed the articles by Colin Ritchie in Canadian Money Saver. But this specific comparison isn't there. Colin's articles are more for adults who may be interested in Estate planning or augmenting retirement income etc.,

Thank you.

Q: Would like your thoughts on sell discipline- specifically when do you cut bait on chronic under performers? Thinking BNS, PBH, NTR, OTEX.

Q: I was wondering if there were any good AI, like ChatGPT, that we can use to analyze official financial statement releases from companies. I tried on ChatGPT, and it seems to use some kind of “tools”. I wonder if the results I would get come directly from the financial statements themselves, or from commentary on them.

Any guidance on this would be great!

Q: I am wondering about protecting myself from downward moves of NVDA price based on earnings results and news next week. My strategy so far is limited selling as the stock has ramped up beyond any "normal" I have seen.
Of course the dichotomy is:
- Fear that the bubble / AI hype will fizzle and my paper gains never materialize, and;
- Trepidation that I will regret selling another single share if NVDA's future stays bright.

So would options be a way to play this or is this quite expensive? It appears that ATM puts are $7.00 for AUG30. A full 5% premium to protect downside. Crazy? Other Thoughts? Thanks as always - you guys are amazing.

Q: Previous question included 'Has 5i thought of providing a regular update of stocks that were once favoured but no longer make the grade'. Your response mentioned MG and OTEX and a comment about not reacting to a single quarterly report. This is fair. But will 5i consider reporting on companies that, over time, were once highly recommended but no longer are on the list? Your customers rely and use these recommended lists - they are rated high. Why wouldn't 5i alert customers when a company no longer warrants the recommendation? If no, then maybe you should stop providing the recommended lists and refer customers to your portfolios that you do keep current.

Q: At least one of the Canadian Banks offers Canadian Depositary Receipts (CDRs) for selected large cap US $ stocks (e.g. Nvidia). They enable you to buy "fractional shares" plus the CDRs have an embedded option to hedge/insure against US$/Cdn$ currency fluctuations. Do you feel it is better to buy/own US $ stocks directly or to own/buy them through CDRs? Thanks in advance for your answer and keep up the really good work, guys!

Q: Hi,
Enjoyed Chris and Zach's podcast. How come they chose PNG/TSU as their small caps and not some of your usual favourites like PRL or PAY . Also I am somewhat surprised that whilst PNG/TSU do get "airtime" in your Q&As, they don't make it in your small caps short list. You must have some rationale. Somewhat puzzled, that's all.

Q: Can you list the pros and cons of buying US stocks as a Canadian CDR?

Q: Thank you for the Monday morning alert. I took a chance that you would have devoted a bit of holiday time to explain the situation in easier language than CNBC was describing.
When stocks report good quarters they spike up and then 90% of the time they drift back down to the trend line. This happens whether the market has been in an uptick or a downtick. I guess I should be like everyone else and when this happens, get out of all or a big part of my positions. What would be your advice on this? Thanks so much.