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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: I just wanted to make sure I understood the CRA attribution rules. Let's say I have $10,000 and it earns interest in a taxable account @ 5% = $500. I have to claim that $500 on my income tax. Now suppose the next year that $500 earns more interest @ 5% = $25. Again, I could claim that $25 on my income tax.

However, my understanding is that this 2nd generation interest (interest on interest of $25) does not need to be claimed by me. Instead, it could be claimed under my wife's income tax. Am I correct?

If I am correct, my plan would be to transfer the interest monies I earned during 2023 from RBF2010 (basically a RBC money market fund currently earning 4.55%) to my wife's account in early 2024.

Please confirm my understanding is correct....thanks...Steve
Read Answer Asked by Stephen on December 15, 2023
Q: The U.S. is growing much faster than Canada. Canada’s much slower economic growth relative to the U.S. seems to be related namely mortgage debt, Given this situation, can you suggest 1) Individual U.S. stocks for capital gain 2) Individual U.S. stocks that pay dividends, and 3) U.S. ETFs? Thank you
Read Answer Asked by Ronnie on December 14, 2023
Q: There has been lately a significant advertising pressure regarding alternative investments . What is your opinion on these? Which Canadian companies could be considered as being sort of companies with an alternative investments focus which would fulfill such type of investment for a small independent retail Canadian investors? Would you also recommend some US names with a similar focus. Thank you.
Read Answer Asked by Miroslaw on December 14, 2023
Q: A question for the 5i team on a small cap oil/gas explorer/producer Arrox Exploration. I just started a small position based on my own research and would as always appreciate your input.
Read Answer Asked by Robert on December 14, 2023
Q: If the world is going to need all this power to deal with all this Artificial Intelligence that is going to be happening in the coming years, what stocks in your opinion will benefit from this need for electrification? BTW I tend to like stocks that are on the more liquid side so please push your answer in that direction please and thanks
Read Answer Asked by Martin on December 14, 2023
Q: I have these in a robo managed portfolio and am down 25% on ZFL and 5.4% on ZAG and 8.2% on XSH.
Since it appears interest rates appear to be stabilizing should one hold on for a recovery or try a different strategy or different holdings. Perhaps maybe moving to GIC or HISA EFT or other holdings you may suggest. Or do you think the same recovery may be seen by continuing to hold?
This loss seems to be an issue with those that have to go managed funds and mutuals with a balanced EFT portfolio.
I am going to transfer from so called managed to my own managed EFT's to avoid the fees. Think I can do just as well (or poorly depending on how you look at it) but wondering if I should switch holdings when moving funds to self directed EFT's.
I do have a separate portfolio with individual stocks, so this is basically a portfolio to minimize management and time requirements.
Read Answer Asked by Colleen on December 14, 2023
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