Investment Q&A

Q: Hi, we have TFSA’s, RRSP’s and non-registered accounts. Where is the best place to hold high dividend US stocks? Thanks, Bill

Q: Hi there,

Looking for top 3 stocks for RRSP recommendations. Still young, and looking for medium risk.

Thanks,

Q: Out of curiosity, if you've maxed out your TFSA contributions, had gains and withdrew, say $100,000, are you allowed to put back $100,000 the next year or only the max contribution allowance?

Thanks

Dave

Q: Hi 5i
In watching the performance of my TFSA, I am not liking the 2020/2021 performance direction and momentum.

The combination of 2020/2021 has been dreadful for holdings such as USA, XBC, STC and QST.....and has significantly affected total portfolio performance.
In the mix are also TF, AQN and FSZ; all for income but was expecting some level of growth.
It was good to be holding ECN but the % was too low to make significant benefit.

With QST and USA both down 60% from original purchase, does one just continue to hold for performance recovery; Business fundamentals and potential take-out (QST) and mine performance and silver price recovery (USA)?

Making a switch from one horse to other has rarely worked for me. Does any of the companies make you say sell and move on or just hold through the already low price positions?


XBC is obviously not expected to reach $11.00 any time soon as the company no longer looks like the one that reached $11.00 earlier this year. They have a good business mix in segments that make sense today. Does one just hold on for Management to get their act together and run off the negatively contributing contracts?

Dave

Q: Hi. I have decided to add an equal position of each of the above to my portfolio. These companies will even out my exposure among sectors. I have room in both my tax free account and my rrsp account. (RRSP won't be accessed for 18 - 20 years) I guess what I'm asking is would it be more advantageous to put any of the above in a tax free account vs an rrsp account?

Q: Moving shares into a TFSA. In general, would it be wiser to move shares with growth potential or ones that generate more dividends into the TFSA?

Q: Thinking of moving some shares from a non-registered account to my TFSA. What would be the guiding principles to follow in such a move?

Q: Please rank the above listed stocks and an explanation for #1? I am more focussed on growth as I have a significant time horizon. Also, which account is preferred for the following? Tfsa or rrsp?

Also these are currently my holdings in my tfsa. Would you sell one of the following for one of the above listed stock, or wait for new money? Thanks

Nick

AQN
TD
WELL
NVDA
SHOP
BAM
KXS
LSPD
PLTR
PINS

Q: Hello Team

My wife and I have approximately $ 50 000 cash in her TFSA account (shared money). With myself being a new investor and the authorized trader, I am looking for guidance in terms of what companies to invest in (Canadian stocks). How many companies would you include? How much to invest in each company? Also, would you kindly suggest a time frame to put the money to work . (ie) invest in one lump sump, over a period of four months, invest a portion and wait? Time frame as to when the money would be required is over 10 years.

On the flip side if I wanted to invest the same amount of money and use some of the profits to purchase a car, would you recommend the same companies or different ones?

All ideas are greatly appreciated.

Thank you

Q: Hello. I am planning on investing in education for our first grandchild. As our children were near graduating high school when RESPs were introduced I am not well versed in the pros and cons. I was recently told that there is a lot more cost than allowable deductions on income tax.
Question: if the parents of our grandchild have lots of room in their TFSAs, would it make more sense to save for education using the TFSA instead of RESPs? The rationale is that it is non taxable when it taken out for education in the future as compared to taxable even though there is an initial 20% grant from the government with an RESP. And perhaps making RESP contributions at child's older age, a few years prior to university age. Thank you.

Q: Hi Peter/Ryan when buying a stock is there a general rule on where it's better to buy it, in an RRSP account or a TFSA and where would CAE fit in best. Thanks for all your insights.

Q: Since NTR pays a 3% dividend, for tax efficiency, is it better to hold the stock in a RSP or a TFSA?

Q: Thoughts on Diamond Estates Winery please. Do you recommend for a small position in an aggressive TFSA?

Q: i HAVE ALL LOOSER IN MY tfsa,MTLO,TOI,WCP,XBC
iS ny of this worth keeping,what do I replace of if any sold
Thanks

Q: I'd value your suggestion (and reasons) for equities for my 22 y.o. grandson for his TFSA. He has room for $19,000.00. He does not need the money for at least 5 years. Thank you, Fooklin

Q: Hi Peter/Ryan, I've never held an American company in my accounts and was thinking of adding either BA or LMT in either my TFSA or RRSP account. Which company would you suggest and which account would be better for it, oh and is there a good reason not to hold an American company in either of these account. Thanks for all you guys do.

Q: I am sure this question has been asked before. As a general rule of the thumb that stocks, and etfs should be held in various accounts.
Accounts:
CAD Cash
US Cash
RSP
TFSA

I think I know that US Dividend payers should be in RSP, Growth in TFSA, but do you have a high level how to best allocate various types of Stock assets for Cad, US, and International, along with sector allocation or divend?

Thanks.

Q: If you only had one choice between KXS and TOI which would you buy today and what would be the portfolio weighting?

Thanks

Peter

Q: Hi group is there any holes in a strategy to transfer all my money out of my TSFA late Dec every year then in early Jan of the following year transfer the money back into TSFA ? from my unregistered cash account - yes i understand that Capitol gains will be due and payable-(i would try to sell the losers first before doing the transfer- does this make any sense with the focus on saving tax- thanks for your guidance on this

Q: In Nov 2020 you mentioned that DMG was to small and risky.Do you still feel the same way for an investment. Avalon I noticed has been up and down, Rare earth minerals. Any news going forward and would you invest for future or are there better one to invest. EV market etc