Saturday, October 4, 2025

Portfolio Update - September 2025

The month of September 2025 as ended and it was quite the month! 

During the month of September, the Canadian federal politicians returned to Ottawa.  A major event in Canada is the postal strike at Canada Post.  The federal government said Canada Post is not viable the way it currently operating, as it is losing billions a year.  This ongoing strike will affect businesses across the country.

The Canadian federal government is trying to improve trade with other countries and also grow the economy within its own borders.  This is a very slow process as there are major hurdles that always come up.  

The S&P500 was up 3.29% over the past month.  In the last 5 days, the S&P500 was up 0.81%

The S&P TSX Composite Index was up 5.38% over the past month.  In the last 5 days S&P TSX Composite Index was up 2.06% over the last 5 days.

Portfolio Activity

Margin Account Activity

There has been no activity in this account since the last update.

TFSA Activity

On September 10th ,  I purchased 14 shares of Canadian National Railway (CNR.TO) at $127.90 per share for total cost of $1790.60 including commissions.  Currently, Canadian National Railway pays a dividend of $0.8875 CAD per share quarterly, or $3.55 CAD per share annually.  The yield on cost for this purchase is 2.78%.

This purchase adds $49.70 CAD to my annual dividend income. 

On September 10th ,  I purchased 50 shares of Titanium Transportation Group (TTNM.TO) at $1.41 per share for total cost of $70.50 CAD including commissions.  Currently, Titanium Transportation does not pay a dividend.  I did pay a dividend previously and the company decided to suspend their dividend due to the uncertainly with the ongoing trade war between Canada and its closest neighbor.

On September 15th ,  I purchased  3 shares of Titanium Transportation Group (TTNM.TO) at $1.36CAD per share for total cost of $4.08 CAD including commissions.

Shares Purchased Via DRIP

1 unit of REI.UN  @ $18.57165  for a total cost of $18.57 CAD (TFSA)

1 unit of KMP.UN @ $18.06558 for a total cost of $18.07 CAD (TFSA)

1 unit of SRU.UN @ $26.97866 for a total cost of $26.98 (TFSA)

1 share of MFC.TO @ $43.48422 for a total cost of $43.48 CAD (TFSA)

1 shares of AW.TO @ $38.44 for a total cost of $38.44 (TFSA)

2 units of BEP.UN @ $25.9991USD for a total cost of $72.50 CAD (TFSA)

1 unit of BPF.UN @ $20.93 CAD for a total cost of $20.93 CAD (TFSA)

1 share of BEPC.TO @ $47.90 CAD for a total cost of $47.90 CAD (TFSA)

1 share of CNR.TO @ $131.86787 CAD for a total cost of $131.87 CAD (TFSA)

5 shares of T.TO @ $21.94894CAD for a total cost of $109.74 CAD (TFSA)


CLICK TO ENLARGE


I have some other positions with the DRIP turned on but might not have enough of a dividend to purchase a whole share. 

My Enbridge position directly with the transfer agent is set up to DRIP.  Around November 2018, Enbridge stopped their DRIP program.  If Enbridge decides to start a DRIP, then my shares will start to DRIP again automatically.  

Dividend Increases

On September 25, Emera increased their dividend from $0.725 CAD to $0.7325 per share quarterly, or from $2.90 to $2.93 CAD per share annually.  This is an increase of 1.034%.

I owned 277 shares of Emera at the time of this increase.  This increase adds $8.31 CAD to my annual dividend income.

Dividend Decreases

There has been no dividend decreases in September 2025.

Summary: 

As of October 4, 2025, 
the total value of the portfolio is $307173.03 CAD. This is a 2.81% increase over last month's total.

The portfolio is estimated to produce an estimate $13116.42 CAD in dividend income over the next 12 months. This is an increase of $102.71 CAD  , or 0.789%. Some of the dividends in the Canadian stocks section are paid in US dollars, which are converted to Canadian dollars.

Googlesheets is still not operating properly.  So, I had to manually enter the market value for the REITS, BEP.UN, and BPF.UN.

 
Please Note: Positions in Restaurant Brands International (QSR.TO),  Brookfield Renewables Corporation (BEPC.TO), and Algonquin Power and Utilities (AQN.TO)  pay dividends in US dollars. Brookfield Renewables Partners (BEP.UN) pays distributions in US dollars. My investment tab spreadsheet displays the Canadian dollar equivalent within 15 to 20 minutes of real time. 

Disclosure: Long aforementioned stocks

DISCLAIMER

I am not a financial planner, financial advisor, accountant or tax attorney. The information on this blog represents my own thoughts and opinions and should NOT be taken as investment or business advice. Every individual should do their due diligence to make their own financia

Saturday, September 27, 2025

Net Worth Update - September 27, 2025

  Today is Sept 27, 2025. Although passive income through dividends and option premiums is my focus when it comes to investing, I decide to do a post about my current net worth.

What is net worth? Simply put, net worth is calculated by adding up all assets and subtracting the total of all liabilities. Net worth is sometimes referred to as shareholder's equity. Assets and liabilities are part of the balance sheet.

Assets

Savings

The savings section is currently into 3 segments. The 3 parts are a "high" interest savings account, novice savings account, savings account, and an "investment" savings account.

The TFSA savings account was with Tangerine. I was frustrated with getting such a low interest rate with Tangerine. I took the money out and placed it in non-registered high interest rate savings account with EQ Bank. Unfortunately, the account did not disappear as interest was earned in the TFSA with Tangerine for the month I transferred the balance. The balance is $0.18. With a value this low, I do not even earn interest as the balance so low.  

On June 28th, 2025, the value of the savings account with EQ Bank is $12176.08 . As of the time of this writing, the interest rate for EQ Bank is currently sitting at 1.00%.  The interest rate was actually reduced from 1.25% to 1.00% during the last 2 weeks.  The Bank of Canada recently announced a interest rate cut of 0.25%, or 25bps.

I opened an notice savings account (30 day) in November 2024.  Currently, the value of the account is $2478.46.  The interest rate currently is 2.75%.  When a withdrawal is requested, it takes 30 days for the withdrawal to complete.  During the 30 days, the interest continues to accumulate. 

The interest rate on for this 30-day notice account does not get reduced as much as a regular high interest savings account. But, during the last week or so, the interest rate on this account was reduced by 0.25%, or 25bps.

The stock and ETF investment involves one ETF and cash  that I hold within my margin account. I keep the dividends and distributions received separate from the dividends I post in my dividend income updates.

Currently, I do not own any stocks in this account.

I own 78 units of the Bank of Montreal Canadian Dividend ETF (ZDV.TO)  and cash.  I made a purchase of 12 more units since the last update.

I have almost a $3300 cash position now, as my covered call option in Transalta Corp was assigned.

On September 27 2025 , the current value of this "stock / ETF /cash account" is $5288.67 .  I have earned a total of $605.21 in total dividends/distributions in this account. Also, I have earned a total of $108.10 in option premiums in this account. 

Overall, the savings total is $19943.39 .

Non-registered Accounts

The non-registered accounts consist of a margin account and 2 stocks held directly with the transfer agents. The margin account is with Questrade. The total market value is $167032.55 as of September 27, 2025. This is an increase of 18.73% since the last published net worth post.


TFSA Investing Account

The TFSA investing account balance is $154630.90 as of September 27, 2025. This account is with Questrade. This is an increase of 7.33% since the last published net worth post.

Trading Account

I currently do not have any active trades in this account.  The current value of the trading account is $6602.03 .  I have active trades in this account for several months.  

RRSP

As of September 27 2025, I own  the following:

23 shares of CP Rail (Ticker Symbol  CP.TO) 
219 units of XAW.TO etf
66 shares of CN Rail (CNR.TO) 
56 shares of Alimentation Couche-Tard  (ATD.B.TO) 
47 shares of XEI.TO etf
1 share of Telus Corporation (T.TO) 
2 shares of Transalta Corporation (TA.TO)
4 units of TD Asset Mgmt  Cash ETF (TCSH.TO)

The value of this account as of  September 27, 2025, is $27734.30 . This is an increase of 3.60% from June 28, 2025.

Summary of Assets

Total Savings : $19943.39
Non-Registered accounts : $167032.55
TFSA Investing : $154630.90
Trading Account: $6602.03
RRSP Savings Account: $27734.30

Total Assets =$375943.17 (increase of 11.91% from 3 months ago)


Liabilities

The balance on my line of credit is $0.00

I owe $19130.20 in my margin account.  The margin is in the Canadian dollar account within my margin account in Questrade.  The USD account in Questrade has a positive cash balance.

Summary of Liabilities

Credit Line = $0.00
Margin = $19130.20

Total Liabilities = $19130.20

Conclusion

On September 27, 2025, my net worth is $356812.97 . This is an increase of $38586.56, or 12.13%, from 3 months ago.

The market continues to go up and down. During the last 3 months, we have seen inflation going down, but the fears of a recession continue to take hold. 

CLICK TO ENLARGE



To read the twentieth net worth update, click here

To read the twenty first net worth update, click here

To read the twenty second network update, click here

To read the twenty third network update, click here.

Disclosure: - Long all aforementioned stocks
  

DISCLAIMER

I am not a financial planner, financial advisor, accountant or tax attorney. The information on this blog represents my own thoughts and opinions and should NOT be taken as investment or business advice.

Every individual should do their due diligence to make their own financial decisions based on their financial situation and tolerance for risk
.

Saturday, September 13, 2025

Dividend Income Update - August 2025

                               



The month of August 2025 is another month of dividend income landing in my accounts. 

Due to becoming debt free, I changed my pay myself model. Starting the beginning of August 2021, I am paying myself 30%, just like before. This will now consist of 24% to investing, and 6% to savings.  The investment portion is going to my TFSA. Any money left over at the end of the month, I put towards investing on top of the money allocated from paying myself first. Hopefully, I can keep this up!

Update on paying myself first. At the start of August 2022, I now pay myself 35%.  This will consist of 25% to investing and 10% to savings. 

At the start of January 2024, I allocated 27% to investing and 10% to savings. 

Starting July 2024, I started allocating 30% to investing and 10% savings.

Note: All the dividends and totals below are in Canadian Dollars




I received a total of $554.66 in dividend income for the month of August 2025. This represents a 2.69% increase from 3 months ago and a 3.85 increase year over year.

I received dividend / distribution income from 9 different companies.

I received $0.00 in net option premiums within my investment accounts in August 2025. 
 

Below is a visual of my dividend totals for the last 5 years.



Click To Enlarge


Most of my dividend income usually comes from my margin account.  As more investments and DRIPs are made inside TFSA, the percentage of dividend income for the TFSA is increasing. 


Click To Enlarge



Next, I will show the percentage of total income for each position.

Click To Enlarge


In the first eight months of 2024, I received $7286.12 in dividends. In the first eight months of 2025, I received $8378.59 in dividends. This is an increase of 14.99% in 2025 over the same period in 2024. 


The graph below shows my total dividend income, as per the blog, since 2012. 

Click To Enlarge


I will update my dividend income tab with the new amount. I will include my option premium income also. It is great to see money from passive income sources deposited into my brokerage account every single month.

Note: Any activity in my RRSP account is not included in these totals.

How was your dividend income for August 2025?

Disclosure : Long all mentioned securities

DISCLAIMER

I am not a financial planner, financial advisor, accountant or tax attorney. The information on this blog represents my own thoughts and opinions and should NOT be taken as investment or business advice.

Every individual should do their due diligence to make their own financial decisions based on their financial situation and tolerance for risk.