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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 Peter,
From your reports, Shopify has an inside ownership of 7.4 percent whereas Lightspeed only has 1 percent. Could this somehow be viewed as Lightspeed's management does not have the same confidence in the company as Shopfiy's? I am looking at LIghtspeed as potentially smaller version of Shopify's and am reluctant to put more than 1 percent given the inside ownership.. Please comment. Also, from the cannabis companies, would Organigrams be decent one at this price? Thank you
Read Answer Asked by umedali on April 29, 2020
Q: Dear5i,
I am interested to start a position in either CRM and/or VEEV. Are these 2 companies in a similar business or would you suggest to diversify and select booth. What is your opinion on these 2 companies.
Thank you for your help.
Albert
Read Answer Asked by ALBERT on April 29, 2020
Q: I would appreciate your thoughts on SVM. Is this something. It recently agreed to purchase Guyana goldfields. Wondering also your thoughts on this acquisition.

Also somewhat related, there is a lot of talk about gold and wanting to own gold in portfolios. Do you agree and if so do you think you would do better off with the metal itself or individual stocks if you have 3-5 year time horizon? Thank you
Read Answer Asked by Aleem on April 29, 2020
Q: Hi Ryan and Peter.
The gov'ts are talking about reopening Economy soon. A lot of stocks (except for the high techs) are still 50% less than the recent highs. Which industries or companies do you think will benefit from the reopening? Can you please provide 2-3 names in the US and Canada? I would like to move some money into my TFSA.

Thank you,
Yiwen
Read Answer Asked by Yiwen on April 29, 2020
Q: Thank you for your explanation of floating rate versus fixed rate preferreds with my two examples of BAM.PR,B and BRF.PR.E. { I assume by fixed rate you mean perpetual } ..... I don't really understand the preferred space but have been researching the effects of the virus crash versus these stock prices. Overlaying the price pre crash on the various kinds.... Perpetuals had a little drop and climbed back to close to where they were. Whereas fixed rate resets and floating rates fell between 20% and 40% and are still down there. Well we all know interest rates aren't going up any time soon and it sure looks to me like there isn't a lot of room to fall. Two I'm looking at are FTS.PR.I a floating rate preferred and ENB.PR.H a fixed rate reset preferred.... I'm trying to understand why they were hammered so badly when realistically interest rates don't have much room to drop . I'd still be getting the interest rate based on the stock price which would be close to 10% on one and 7% on the other less whatever the amount of the interest rate drop is wouldn't I ? . What is the investment theory that made them correct so much ? And what market conditions would exist to gain back those losses ? ...Visually it looks to me like in the case of the Enbridge product if interest rates were to drop a half a percent my yield would drop from 10% to 9.5% ..... I know there is something I'm not grasping here . I just don't know what it is . Thank you for your guidance through these financial conditions.
Read Answer Asked by Garth on April 29, 2020
Q: I have $10,000 to invest into my RRSP, what stock would you recommend.
Read Answer Asked by Mark on April 29, 2020
Q: 5i guys!
Taxation clarity.
TFSA; Mostly hold Canadian dividend paying stocks and ETF's on the TSX.
Hold a Canadian ETF with US stocks. Withholding tax applies I believe.

RRSP; US Exchange American dividend stocks and ETFs.
My fuzziness.
TSX listed companies that pay dividends in USD.
Ex. AQN. OTEX.
As a canadian company purchased on the tsx is this tax exempt under TFSA?
Or does it fall under the withholding rules as an American stock unlike RRSP's exemption.
*take another question credit*

If in fact exempt. Does Questrade convert for free. I am curious if I should allow the conversion since I purchase with canadian in my TFSA. Or save up the USD and perform Norberts Gambit once in awhile.

Really enjoying everything you have to offer.
Fantastic and many thanks for all the investing improvements.

Read Answer Asked by Adam on April 29, 2020
Q: Hi 5i
Thanks for your sage advice during this pandemic period, I have found it very helpful.
My portfolio is pretty well balanced with a good mix of primarily Canadian stocks ( 5i) plus Cdn & US ETF's. I would like to add some exposure to the global markets, can you suggest a couple of ETF's that I should consider - either Cdn or US...
Read Answer Asked by William on April 28, 2020
Q: My son approached me on some advice on investing. He is just starting off. My inclination is to suggest to him to stick to ETFs. Ideally a mix of CDN, US, Bond and International oriented ETFs . I have my preferences, but would like to know what you would suggest? I am guessing he is looking at a year window to start.
Read Answer Asked by Dino on April 28, 2020
Q: With the level of debt monetization, fiat currencies are becoming concerning. I was considering contributing new money into my TFSA, but transferring the funds to a US TFSA, and investing directly into US securities instead of CDN.
Even with getting hit with the currency exchange rate and paying applicable withholding taxes within this account, would you recommend this or see any advantage to this, or would you prefer investing in Canadian hedged funds (i.e XQQ vs QQQ) instead?
Many thanks,
Tom
Read Answer Asked by Tom on April 28, 2020
Q: Hi guys,

Wondering your thoughts on truck based shippers like tfi and ups as compared to railways? With a 5+ year time horizon, what has a likely higher rate of return overall and success probability with the economy ahead?
Thoughts on whether to invest now at all versus waiting 1 to 3 months for more earning to sink in?
Thanks
Peter
Read Answer Asked by Peter on April 28, 2020
Q: I've held since its inception due to a) the track record of the former Sprott fund manager, and b) beause it was a fund that would have tools to perform well during a stock market setback. I am looking to sell as the fund did not fulfill purpose b. Am I missing something? And can I sell JFS.UN as I would my other stocks (without a penalty) in my Direct Investing account?
Read Answer Asked by Keith on April 28, 2020
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