Investment Q&A

Q: Tax issues aside, is there a clear favourite here for an in kind contribution to our TFSA's come January 1?

Thanks,
Terry
Best of the Season

Q: If I do an in-kind transfer of a security from a non-registered account to my TFSA, and the security is at a loss, is there any way to eventually capture the capital loss, such as when the security is sold within the TFSA. Or is the capital loss gone forever?

Q: Hello. If I sell a US stock in a non-registered account for a loss, and I transfer the cash to my TFSA and re-purchase the same stock, can I still claim the capital loss?

Q: What U.S. companies would you recommend for a US $ TFSA ?

Q: Regarding Steve's question on Nov 25, 2025 about the TFSA withdrawal and re-contribution limit.

Using his example, if one were to withdraw $122,000 today, could one re-contribute $40,000 in '26 then $40,000 in '27 then $42,000 in '28 or does the re-contribution rule only apply to the following year and ONLY the following year?

Q: Your best small cap recommendation for growth in a TFSA today. Thanks!

David

Q: My question is about a TFSA. If I placed the maximum $ 102,000 into a TFSA, and now withdraw all of it , let's say $122,000. Can I replace all the money, or would i be limited by the maximum.

What about if my TFSA didn't do well, and I withdraw all of it say 80,000. , and close the TFSA. How much money could I deposit into new TFSA?

Thank you

Steve

Q: Can you tell me the specifics about which types of stocks will work best in a TFSA? I know in the past you have recommended some not be in a TFSA, but I don't recall the details. Also, could you provide a few specific suggestions of stocks that would be good to buy now for that account? Thank you.

Q: I "used to believe" that TFSA was an indication to buy "excellent " growth stocks with strong potential..The problem is that, if only 1-2 of those drops significantly ,they could easily annihilate all other gains ! It appears to me that selling stocks in a TFSA when they double or more, and selling stocks that keep going down (with 10-15 % loss) ,in order to balance the portfolio,is quite helpful. Your feedback or suggestion shall be appreciated.

Q: We just opened a TFSA account for my daughter, she is 18.

Money is not needed for a long time. Our aim is to maximize the growth, risk tolerant, tax efficiency and easy to manage.

Would you recommend ETF's or Individual stocks? How many positions? What companies/ETF?

Also, is there a place for bitcoin? If yes what %.

Thanks in advance

Q: Good morning 5i
In a recent very popular question, judging by the up votes, you gave a number of equities that you would recommend for a TFSA:
SHOP, TRI, BN, GLXY, SLF, AEM, PNG, EIF, CLS, TD

Like many others, i am always interested in tweaking my TFSA and so I wondered about your answer. Tri, BN, SLF and TD seem to me solid, 10 star companies. But i wondered about putting Shop, Cls, glxy, pyng etc into this account. To my mind they don’t seem any where near the blue chip quality of the previous mentioned stocks. I know that to make money in a TFSA that you have to take some risk. But are these too risky for such an important account ?

I am not saying that they shouldn’t be in there. But, perhaps I am just nervous because they are relatively new and unproven over a long period.
So, i would be interested in hearing what level of confidence you would have in them. And related to that, what weight you would give them?

Could you also add HOOD to the mix and your level of confidence in a TFSA
Thanks for this great service


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Q: Can you please suggest 5 to 8 Canadian stocks for a TFSA for my 21 year old son? Funds are expected to be invested for 40+ years.

Thanks,
Janet

Q: Can you tell me which of these 2 would be best in a TFSA vs a regular account for tax purposes?

thank you

Q: Gooday My question is that I have 2 sons with money in there tax free account. Which are the safest divden pay stocks that you recommend .

Q: I am trying to reduce risk in my TFSA. I am 76 years old. What do you think of AGF GLOBAL SELECT FD CL F(808) as an option? Do you have other suuggestions for this strategy? What would be an appropriate percentage of bond exposure in a TFSA for someone of my age with a moderate tolerance for risk?

Q: Creating TFSA for 25 year old daughter. Started off really timid with VBAL then slowly started to add individual names. Small quantity in US names. If 10,000 left to add, what would you suggest to balance it out and be diversified, based on current prices, value, potential upside, while managing huge swings in price with things like metals/oil/gas? I want her to see the benefits of investing and feel the pressure so don't want to make any huge mistakes. Thanks for your great advice!!

Q: Hi Folks,
I am looking at selling ISRG (-7%) or TELUS (-23.50%) and CNQ (-22%) from my Non Registered account and use the money to fund next years TFSA contributions. I would like your opinion as to what order you would sell and whether these are re-buyable in January.
Thanks

Q: Is recent question I asked was only partially answered. The question was asked by Tim on Oct 8. Here is your response:
Our top five for a growth investor with a long-term timeframe would be: SHOP ($220 if possible), BN ($91-$93), TRI ($190 to $200), CSU ($3800), TD ($105 to $110) /BNS ($85).

The part of the question not answered was whether these large cap stocks would be suitable for a tfsa. I have been using small caps mostly, but now am wanting to get more conservative. Thanks very much

Q: Have trimmed SHOP and NVDA in my TFSA and am looking to initiate some new positions - all are favourites of 5i - at todays pricing would you favour the most attractive "3" and if so, which 3, or simply buy across the board?

Thanks,

Terry

Q: I am in the process of sending my daughter funds to start a TFSA. She deals with Royal Bank. Can you suggest what is best for her to start. Mawer Mutual Funds or GIC's, or? Any suggestions would be greatly appreciated!
Thank you Gordo