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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: Good morning 5i
In a response concerning selling call options awhile ago you said that you try to avoid stocks with dividends. I can understand how it adds another layer of difficulty, i am wondering if one checks that the ex-dividend date doesn’t fall sometime before the expirary date of the option, that you would likely be ok. For instance, i have call options on jpmorgan expiring on Feb 18. But i checked that the ex- dividend date doesn’t fall beforehand. It is Ex-Div Date
2022-01-05. Should most of the danger be avoided in such a scenario?
Read Answer Asked by joseph on February 10, 2022
Q: You answered Ronald’s question of Feb 8 re tax implications of having more than $100K in US equities by indicating CRA form 1135 must be completed. You did not indicate if this was only applicable to non- registered accounts. Does it apply to registered accounts e.g. TFSA and RIF. Clarification would be appreciated.
Read Answer Asked by John on February 09, 2022
Q: I have to start withdrawal from my RRIF this year. Besides TFSA, I would need some strategies to minimize taxes and OAS clawback. I didn’t find anything in the Forums, and no way to search in the Blog (sorry..). Do you know of any book or good web site for canadians? I’m looking for Tax-efficient ETFs (Horizons, others?..), mutual Funds (Are the Class Series still available?). Anything I could use in a non-registered account. I will aim at capital gains, dividends and interest revenues in that order for individual stocks. PS: I’m a subscriber of « Money Saver » (Possible source of info).
Thanks as usual
Read Answer Asked by Denise on February 09, 2022
Q: Thank you for the update on TOI's earnings. How do you see this rolling out over the next 3-5yrs. Similar to CSU with upside potential? From Total Addressable Market, is there lots of growth in TOI's future? I find the company to be quite stealth with limited information. Do you seeing this changing in the future, including analyst coverage and institution buying.
Read Answer Asked by Chris on February 09, 2022
Q: I am looking for one us stock and one Canadian stock for my tfsa .
Which one us and one Canadian stock would you choose of this list in terms of best return potential ( all of which you have recommended highly in the past)
Always value your opinion
Thank you
Read Answer Asked by Indra on February 09, 2022
Q: You indicated today that financials are one of the better sectors to be in. Assuming an investor is just starting out and wanted to buy a basket of financial companies. The goals would be to:
1. capture relatively high dividends from some of the larger companies
2. secure some faster growth by buying some small/mid-cap companies understanding this would require acceptance of. a bit more risk.
What Canadian companies would you suggest this investor buy today to put in that basket?
Read Answer Asked by Les on February 09, 2022
Q: Hi 5i team:
To calculate the adjusted cost base for shares held in a non-registered account that I wish to sell, do I include the cost of the same shares held in a registered account (TFSA)? Or are they considered two separate pools for tax purposes? Thanks for your help. Ron
Read Answer Asked by RON on February 09, 2022
Q: Hi,
I sold my NTR back in Dec for some tax loss selling in margin account. I bought MOS as a proxy and its up 20% since then. Should I switch back to NTR now or keep holding MOS? Would have to report a gain on MOS now if I switched back. How does NTR and MOS compare now and what are the growth prospects going forward. Looking at historical performance, they move somewhat in tandem to each other. Thanks!
Read Answer Asked by Keith on February 09, 2022
Q: Is there software that a retail investor can use to manage his retirement plan. I use an excel spreadsheet to track bonds, GICs, Dividends, et cetera, but the spreadsheet is not too handy.
Read Answer Asked by Richard on February 09, 2022
Q: I am a big fan of factor/smart beta investing, but I am having difficulty identifying Canadian made etfs with both adequate size and daily volume. Please suggest etfs sold in Canada to build a couch potato diversified portfolio covering a Canada, US and global geographic area. I am quite impressed with WXM and ZUQ. I am a senior with a conservative growth inkling. Please charge question credits approriately based on your time to provide a workable response. Thank you.
Read Answer Asked by Richard on February 09, 2022
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