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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: Can you shed some light on these fixed income vehicles offered by Bank of Montreal and BNS respectively.

BNS and BMO Canadian Banks (AR) Index Callable Contingent Coupon Notes. (indicated return of up to 10.08%)

Are these index related or linked to the TSX equity index?
Not sure how they can pay out so much, hopefully you can explain if these are a good option to use for income in a retirement portfolio.


Thnx 5I
Read Answer Asked by David on April 24, 2023
Q: Hello 5i
I am a Canadian citizen and resident. I want to avoid US Estate tax on US stocks.
Which are the Canadian ETF providers that have ETFs containing US stocks?
Should I assume that Canadian branches of US ETF providers would still be vulnerable?
Do you have specific recommendations?
Many thanks for your ongoing great service !
Read Answer Asked by David on April 24, 2023
Q: Hi,
In 2021, I had to pay 40K of capital gain. On 2022 I have capital loss of 80K.
Is it possible to apply the carry back to 2021, so I can get my 40K back?
thanks
Read Answer Asked by Fernando on April 24, 2023
Q: I keep hearing about the 60/40, 40/60 ratio of what you should be invested in with regards to Stocks and Bonds...

- I have Never held Any Bonds of Any Sort...Just Stocks...

- Please recommend some sort of Bond Investment I can consider that is somewhat safe, but Not ultra conservative...

- I remember when my parents said that Canada Savings Bonds were a good and reliable investment...a vintage memory...

Have a good weekend
Thanks
M
Read Answer Asked by michael on April 24, 2023
Q: i own both well and vmd,both keep hitting 52 week highs which i know you like.i know vmd is the old phm which you did not like, but they seem to have left that behind them.
my question is are you ok with vmd now, well is a billion dollar value , vmd is about 600 million.
dave
Read Answer Asked by david on April 24, 2023
Q: Of the consumer cyclicals held are there any you would sell? Any you would add to? And, do you have other Canadian or US names you would suggest looking into at this time?

5+ years timeframe, high risk, growth-focused in a TFSA.

MG (-30%)
LNF (-22%)

Thank you!


Read Answer Asked by Stefan on April 24, 2023
Q: In your excellent response to my question re a withdrawal stage senior moving dividend paying stocks to TFSA to allow dividends to grow tax free, you included this:
' ocapital gains, which are still taxed lower for most investors".
Taxes on dividends are paid yearly and capital gains taxed when the stock is sold. So aren't dividend stocks taxed "twice" dividends + capital gains, whereas non dividend stocks are only taxed on capital gains? I know I must be missing something here because the point about dividend tax being lower is a universal one.

For which investors are dividends taxed lower and for whom are they not? thanks for the education!
Read Answer Asked by M.S. on April 24, 2023
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