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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: Hello 5i,

Thanks for the detailed and quality answers during these "interesting" times. I know predictions are pretty much "off the table", but ... I wonder if you could ponder the chance over the next few years of a dividend cut at the Banks. (1 = impossible, 10 = possible if things get really bad).
Knowing that such an action would be a very tuff call for the banks to make. All Canadian banks in general, but specifically TD and BNS (which are some of my TSFA holdings and used to generate retirement dividend revenue.
Read Answer Asked by Jim on April 07, 2025
Q: Hi Chris, With today's blood bath, please advise if you think of screaming buy high conviction stocks for growth and dividend. If possible price range too. Thanks
Read Answer Asked by S on April 04, 2025
Q: I have lots of interest income and I know, although the money is 100% safe, I am paying top tax dollar. Do you have safe dividend alternatives to suggest??
Read Answer Asked by Brenda on March 31, 2025
Q: Perhaps am looking for unicorns. I have some money to deploy and I am looking for companies that have the balance sheet to ride out the current situation whether it lasts another two months or >12 months. My basic criteria were those potentially undervalued, dividend over 3%, div growth of at least 5% and a decent payout ratio. Any suggestions appreciated, thanks for your help.
Read Answer Asked by Art on March 28, 2025
Q: Hi Gang,

If you had 40K CAD to invest in an unregistered account for a short 2 yr old.. given the environment in which we are in....Where would you invest? Sector is irrelevant - CAD stock is a must (I can't stomach the hit on conversion) UNLESS there is a CDR you would recommend although I know you prefer the real deal. Can be one or multiple. Goal is to maximize growth while preserving capital. Thank you!
Read Answer Asked by Julie on March 28, 2025
Q: I believe the current market downturn provides opportunity. I would like your insight into the following two questions; along the lines of "be greedy when others are fearful".

First, recognizing a 2-3 year hold is very, very short term thinking, what are 3 companies with dividend bearing stock that you feel would be in the top 10% of performers as the market recovers.

Second, what 3 companies do you feel provide the biggest stock price recovery and growth opportunity for a 5+ year hold.

Thanks as always,

Dave
Read Answer Asked by Dave on March 13, 2025
Q: I am getting ready to DCA into these stocks in an unregistered account with higher than average risk profile. According to me, these stocks had a bit of a pullback with possibly more on the way.

In what order would you DCA into the stocks mentioned above? Is there any stock that you think should be excluded from this list?

Thanks
Read Answer Asked by Anca on March 07, 2025
Q: Hello,

I hold BNS:CA for dividends. It has been dropping in price recently and I am looking to add to my position. I seem to remember it is a long term favourite within the bank stocks. Given the current Canadian and global "uneasieness", would your opinion change or would shift to TD:CA or XXX:CA (a bank) be in order. I have read the recent Q/A re: BNS:CA in the database,
Read Answer Asked by Jim on March 06, 2025
Q: I hold these large Canadian Companies.. I realize there will be continued volatility in the market but given that these companies have pulled back, some significantly, what order would you buy these names? Are there any you would not buy?

Please deduct appropriately…

Thank you
Tim
Read Answer Asked by Timothy on March 05, 2025
Q: Please rank these stock for risk relative to US Tariffs from High to Low.....yes, wonder how defensive these US stocks are......Many thanks.....Tom
Read Answer Asked by Tom on February 25, 2025
Q: My mortgage is coming due at a much higher rate than it has been for the past 5 years, so given the current economic uncertainty, I’ve decided to sell half of my unregistered portfolio to pay it off. I understand this will incur tax, and I’m prepared for that. Here are my holdings—please advise on the optimal order of selling to ensure the remaining portfolio is defensive, particularly against tariffs and economic uncertainty. I'm open to the cheese slicer method across some or all stocks. Please deduct credits as you see fit. Thank you!
Read Answer Asked by Kim on February 25, 2025
Q: Hi group can you please comment on Capitol direct trust - last quarter they paid out 9% + over last 3 yrs they have averaged 7+ %. What is your assessment of the risk rewards in this sector i suspect that restrictions on liquidly and management fees are concerns but the attractive quarterly payout are very attractive in this unstable market overall your thoughts please. I am 74 and retired so steady income is a driver. Also please rate the above stocks (1-10 . 10 being best) Thanks for your help
Read Answer Asked by Terence on February 21, 2025
Q: What's your view on the idea of opening up Canadian Banking to more competition and the effect it will have on their share prices. Will they still be a 'go to' for Canadian investors or do you anticipate a sharp decline? Great service, thanks.
Read Answer Asked by Curtis on February 21, 2025
Q: Could u rank these co. from most prefer (10) - in terms of dividend + growth - to least prefer (1) in the next 12-24 months ? Would an ETF in this sector do just as good?
Read Answer Asked by DAVID on February 18, 2025
Q: Worst case scenerio how much downside do you think the banks have in the next four years. RY,BNS and TD are all oversized positions. Thinking of lightening up in non taxable accounts or should I just sit on my hands ? Crystal ball gazing I know !
Read Answer Asked by STEVE on February 14, 2025
Q: Hello
two part question. First, If you were to choose between CM ot TD . Which one would you prefer? Is there a better bank you prefer? TD has a higher yield and has exposure to US markets
Secondly, do you think Financials will be hit further. . If so, do we stay put ?
Read Answer Asked by Tim on February 04, 2025
Q: I have owned RY inside my RRIF for over 20 years and it has done very well. However it now seems to be trading at a premium to the other Canadian Banks. I hold it primarily to generate income, so I am wondering if I should sell it around the $180 level and invest the proceeds into another Canadian bank. I already hold TD, BMO and BNS and wonder which of NA and CM would you prefer? Or would you stick with RY despite its premium pricing and lower yield?
Read Answer Asked by David on January 28, 2025
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