Investment Q&A

Q: Could you tell me which 3 Canadian banks have the most domestic real estate mortgage exposure and also for a 2 year hold , and in general which CDN bank would you buy and why ,Thanks and have a Merry Christmas!!

Q: Would you kindly rate the big 6 banks plus EQB according to your preferences for starting new positions. Would be long term holds and would like to consider total return (growth and dividend growth)
Thank you

Q: I bought them all last April and the draw down got as low as 15%--they have all made a comeback now except BNS still down 8%----Do you think this resurgence is sustainable and a good time to add to my holdings?
Thanks
Peter

Q: I intend to use as many losing companies such as above POU, RY, TOU and MG (presently underwater) against a significant amount of capital gains to reduce my taxes for 2023. I will probably buy them back in the new year. What is wrong with this approach? Please explain.
Thank you.

Q: I seem to recall one of the "Market Masters" saying the time to load up on Financials is after they have been crushed. I know you don't necessarily like the expression "load up" but if you wanted to increase your Cdn bank exposure are there one or two you think stand out as having the biggest bounce potential from here, or would you forget about trying to be right on one or two securities and just buy the ETF if you believe the whole sector might recover from these levels? Thanks for your thoughts.

Q: Hi Folks,

My RRSP portfolio consists of the above stocks all with relatively the same weighing. Can you suggest 5 names or so, (CDN and U.S) that I take a look at that would complement the above? I am looking for a company that would be a good buy today for both income and capital appreciation - total return.
Thanks

Q: Hi I am thinking it's time to sell BNS, would it be better to choose another bank or deploy funds to another sector to gain some growth & dividends for a long term holding? Suggestions on other stocks please.

Q: Good Day,

I hold TD and RY in my RRIF and was thinking of switching one for BNS for a higher yield and the "buy the poorest

performing bank" theory. Is this a logical approach and which would you switch.

Thanks Tom

Q: I am starting to plan for year end tax losses taking. Although these companies pay good dividends, I have capital losses greater than the dividend income. Do you have any thoughts on the potential of these companies to recover in 2024.

Q: I'm looking to invest $60,000 for a minimum of 5 years. This money will be used towards a downpayment for a house. Can you please comment on a split of 50% SPY and 50% quality stocks, such as GOOG, MSFT, SLF, ATD, BN. Also can you please suggest some additional stock ideas that are fairly conservative for a 5 year hold. Thanks!

Q: Dear 5i
I currently own TD and RY for my financial positions . I was considering buying SLF as an alternative to banks but still considered within the financial sector . Is it worth the diversification or should i just add to my existing bank stocks that i own ?
Also i've recently added HISA and PSA to my portfolio which would probably not be for a long term hold but until interest rates decline considerably from where they are today . My question is, is it possible to have too much cash parked in these type of accounts that should interest rates decline noticeably and quickly , that there would be a liquidity problem ie getting my cash out , should a lot of investors decide at the same time to liquidate their holdings in these type of accounts ?
Thanks
Bill C

Q: What would consider as a good entry point for each of these and also a price target please.
Thank you

Q: Canadian banks are being brutalized this year.What do you see that will be required for us to see some relief?

Q: As a divided investor would you be a buyer or seller of the Canadian banks today.

Q: What are your thoughts about this as a US/CDN high yield income portfolio? Any ideas would be appreciated. Please take as many credits as needed.

Q: Tax Loss selling time is just around the corner and I would like to take advantage of losses I have in above companies. I have some gains this year and I paid taxes on gains for the last 3 years as well.
Would you sell one position only and which one would you suggest. I would like to buy back at the appropriate time as well.
I would appreciate if you could prepare us for this event of tax loss selling and refresh our memories.
Thank you!
Albert

Q: Apparently BMO, CIBC and TD currently have negative amortization mortgages approaching 20%. Do you have comparatives for BNS and RY ? Apparently there is one Canadian bank that is very conservative at less than 6%.

Q: As a Canadian, if I purchase RY:US on a US Exchange, will the withholding tax rules apply in this case ?

Q: I have a loss in CM which is matched by an equal gain in TD.
Was thinking to sell both and buying equal amounts of BNS and RY.
All are in a non registered account. Is the tax loss accepted?
Would you recommend any changes back after 30 days?

Q: In a world where indebted dividend-payers are being stressed by higher rates, how would you rank the following Canadian companies in terms of the sustainability of their dividend?

RY, TD, BMO, BNS, SRU.UN, FCR.UN, BCE, Telus, FTS, EMA, BEP.UN, BIP.UN, ALA, ENB, TRP, PPL, GEI