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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 and Team,

Our question today is about CDR's in TFSA accounts and potential tax benefits. If you were to buy Goog, AMZN, and NVDA today, what would be the recommended method?
CDN TFSA: buy CDR's
Open a US TFSA and purchase the stock in US funds (one-time conversion costs would occur)
Purchase the stock in the native currency in the CDN TFSA

Do CDR's reduce exposure to the taxman if death occurs instead of having US domiciled stocks in a TFSA or RRSP or RRIF?

Thank you.

Cheers,
Debbie and Jerry

for RRSP's
Read Answer Asked by Jerry on October 24, 2022
Q: I have a son who is 31 and is just beginning his investment journey. He currently is looking to learn and has $15,000 to invest. With the uncertainty in the market he is thinking of investing 1/3 now 1/3 in the first quarter and 1/3 in the 2nd quarter. Is 5 stocks a good start with the intention of monthly contributions in the future to build a diversified over a 20-30 year time horizon. My suggestion was a equal amount to start in Royal Bank, Telus, Brookfield Infrastructure, CN Rail and a REIT.
What do you think of this plan or do you have other suggestions.
Thanks,
Doug
Read Answer Asked by Doug on October 24, 2022
Q: Generally which size companies provide the best returns after a decline we have experienced,?
All of the above 3 companies ( small, mid, large cap ) are well run with good financials and should be able to ride this out. Is the small cap story played out with investors staying away for a protracted period ? Are mid caps are of the right size to be seen as safer, more liquid,? Are large caps just too large to grow ?
My question is not on these specific 3 companies but is more general in nature as to where to look for best rebound returns. Thanks
Derek
Read Answer Asked by Derek on October 24, 2022
Q: What is your opinion of this etf as one vehicle to ride out possible recession?
Read Answer Asked by Lawrence on October 24, 2022
Q: hello 5i:
reviewing previous questions from members, I take it that TOU and CNQ would be your two favourite energy companies with diversification for oil and nat gas. Is that correct?

Can you reiterate the yields of these two (including the special dividends) and your take on the sustainability of the dividends? Are debt levels moving down? Are these two cheap on a last 5year comparison (PE, earnings yield, P/S, P/FCF and enterprise value)?
thanks
Paul L
Read Answer Asked by Paul on October 24, 2022
Q: I have half my retirement portfolio in cash right now and plan to start layering in to index funds over the coming months. Consensus seems to be a Recession in 2023 so i'm thinking about taking a more defensive approach like SPHD and receive the 4% dividend while the market figures out where it is going in 2023 and beyond.
Once sentiment improves and another bull market looks to be in the horizon i would likely shift from SPHD to SPY and/or Sector in flavor funds.
Seem like a reasonable approach?
Read Answer Asked by Rob on October 24, 2022
Q: Do you have any feel for commodities, specifically Oil and Copper, over the next six months to a year?
I would like to hide in some dividend-paying stocks.
Capital retention and some dividend gain is the goal right now.
With that in mind, I feel like this might be a good opportunity to buy Canadian banks, for the long haul and oil and commodities shorter term.
I would appreciate your opinion on my theory and these securities.
As well, any ideas you have would be great.

SLF
INTC
SCCO
UAN
SJT
CRT
CM
BCE
CHK
BNS

Thanks for the fabulous service and please use as many credits as necessary.
Read Answer Asked by Kyle on October 24, 2022
Q: Do you have a few suggestions for long term holds in US industrials? My only non-Canadian holding in this sector is TT - would you consider this to be still worthy of holding?

Appreciate your insight.

Paul F.
Read Answer Asked by Paul on October 24, 2022
Q: This question is concerning the 5I growth portfolio. Could you give me 5 names from that group with just strickley the lowest valuations.

Thanks Steve
Read Answer Asked by Steve on October 24, 2022
Q: Further to Blake’s question today regarding other banks out performing Bns, I has charted Bns vs the other big banks and Bns underperforms over 1, 3, 5, and 10 years. I’ve held Bns for 6 yrs waiting the reversion to mean to happen and Bns to outperform. When is it time to accept that their Latin America and Asia higher growth profile will always be dragged down by economic or political turmoil in one of their markets? I moved on last month.
Read Answer Asked by Greg on October 23, 2022
Q: Do you have any insights on financial planning/stock tracking software that can track various accounts and stock performance across institutions? ...and with the input of financial variables (inflation, spend etc) provide updated information on meeting long term targets. I struggle with financial providers (hide fees, limit what you can see etc) and cannot get a comprehensive picture of my financials.
Read Answer Asked by Dave on October 23, 2022
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