Ann: Share Purchase Plan Booklet, page-5

Cash is a very poor investment right now. With a maiximum of about 2% on investment before fees and charges you would be better off buying the banks, at least you would have divis and the banks are not likely to fall much further now, maybe a few dollars but the divi will make that up.

I doubt BDR will hit 20c as you are hoping but perhaps 25c.
NST would be a better bet when it falls to about 3.80. It has fallen 50c or more in the last few weeks and is still heading down.