Portfolio Update - April 2025 to Mid May 2025

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

Over the past 40ish days or so, the markets have had some large swings up and down.  

The S&P500 was up 12.94% over the past month.  In the last 5 days, the S&P500 was up 2.60%. 

The S&P TSX Composite Index was up 7.74% over the past month.  In the last 5 days S&P TSX Composite Index was up 2.07% over the last 5 days.

Portfolio Activity

Margin Account Activity

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

Chord Energy dividend is variable.  On May 6th, the company stated their next quarterly dividend will be a base dividend of $1.30 USD per share.  So, I annualized this dividend and used this in my spread sheet. 

TFSA Activity

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

Shares Purchased Via DRIP

1 unit of REI.UN @$16.15581  for a total cost of $16.16 CAD (TFSA)

1 unit of KMP.UN @  $16.43 for a total cost of $16.43 (TFSA)

1 unit of SRU.UN @  $24.85864 for a total cost of $24.86 (TFSA)

3 shares of AQN.TO @ $5.27733 USD for a total cost of $22.10 CAD (TFSA)

2 units of BPF.UN @ $17.63 for a total cost of $35.26 (TFSA)

2 shares of TD.TO @ $87.41409 for a total cost of $174.83 CAD (TFSA)

1 unit of REI.TO @ $16.9894 CAD for a total cost of $16.99 CAD (TFSA)

3 shares of EMA.TO @ $60.35669 for a total cost of $181.07 CAD (Margin)

1 unit of KMP.UN @  $17.6427 for a total cost of $17.64 (TFSA)

1 unit of SRU.UN @  $25.46791 for a total cost of $25.47 (TFSA)

1.2312 shares of BNS.TO @ $68.2586 for a total cost of $84.04 (Margin)

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 May 9, Telus Corporation increased their dividend from $0.4023 CAD to  $0.4163 CAD per share quarterly, or from $1.6092 CAD to $1.6652 CAD per share annually.  This is an increase of 3.48%.  Telus has been increasing their dividend semi-annually for the past number of years.

I currently own 491 shares of Telus Corporation.  This increase adds $27.50 CAD to my annual dividend income.

Dividend Decreases

On May 8th, Bell Canada Enterprises (BCE.TO) decreased their dividend from $0.9975 CAD to $0.4375 CAD per share quarterly, or from $3.99 CAD to $1.75 CAD per share annually.  This is a decrease of 56.1%.  

I currently own 400 shares of Bell Canada Enterprises.  This decrease reduces my annual dividend income by $896.00 CAD.

Summary: 

As of May 16 , 2025, the total value of the portfolio is $262998.90 CAD. This is a 9.58% increase over last month's total.

The portfolio is estimated to produce an estimate $12155.79 CAD in dividend income over the next 12 months. This is an decrease of $928.81 CAD , or 7.10%. 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.

Dividend increases or decreases announced already for April 2025, will be included in the next portfolio update. 

 

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 financial decisions based on their financial situation and tolerance for risk.ir financial situation and tolerance for risk. 

Dividend Income Update - March 2025

                          

The month of March 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 $1006.27 in dividend income for the month of March 2025. This represents a 0.846% decrease from 3 months ago and a 46.30% increase year over year.

I received dividend / distribution income from 14 different companies.

I received $0.00 in net option premiums within my investment accounts in March 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.  For March 2025, the percentage of income from the TFSA surpasses 50% of the total dividend income received. 

Click to Enlarge

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

Click To Enlarge

In the first three months of 2024, I received $2333.93 in dividends. In the first three months of 2025, I received $3104.42 in dividends. This is an increase of 33.01% 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 March 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.

Portfolio Update - March 2025

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

In Canada, the federal liberal leadership race concluded on March 9th.  Mark Carney easily won the leadership.  In less than a week, Prime Minister Justin Trudeau resigned as Prime Minister and then Mark Carney was sworn in as Prime Minister.

The day Mark Carney was sworn in also involved cabinet ministers were selected.  Immediately, there was a cabinet meeting.  Prime Minister Mark Carney let reporters into the cabinet meeting, and singed an "Order in Council" to eliminate the consumer carbon tax on April 1, 2025. The provinces and territories, except British Columbia and Quebec, had the federal backstop in place.

On April 1, the federal carbon tax is still on the books but is 0%.  

On March 23, Mark Carney visited the governor general to dissolve parliament and have a federal election.  The federal election will occur on April 28.

Donald Trump doubled down on placing tariffs and announcing new possible future tariffs across the globe.

On April 2nd, the reciprocal tariffs were placed on various countries across the world by the President of United States, Donald Trump.  These tariffs were actually less the the tarriffs most countries have on imports from the United States.

April 3 and April 4, saw a huge drop in the markets across the globe.

The S&P500 was down 13.18% over the past month.  In the last 5 days, the S&P500 was down 8.21%. 

The S&P TSX Composite Index was down 6.74% over the past month.  In the last 5 days S&P TSX Composite Index was down 5.91% 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 March 21, I added 2 shares of AW.TO at $31.35 CAD per share for a total cost of $62.70.  Currently AW.TO pays a dividend of $0.48 per share quarterly, or $1.92 per share annually.  The yield on cost for this purchase was 6.12% .

So this purchased adds $3.84 CAD to my annual dividend income. 

Shares Purchased Via DRIP

1 share of MFC.TO @$43.29265  for a total cost of $43.29 CAD (TFSA)

1 unit of REI.UN @  $19.32113 for a total cost of $19.32 (TFSA)

1 unit of KMP.UN @  17.01 for a total cost of $17.01 (TFSA)

1 unit of SRU.UN @ $25.48797 for a total cost of $25.49 CAD (TFSA)

1 share of AW.TO @ $33.52565 for a total cost of $33.53 (TFSA)

2 units of BPF.UN @ $17.10578 for a total cost of $34.21 (TFSA)

2 units of BEP.UN @ $22.23916 USD for a total cost of $63.68 CAD (TFSA)

1 share of BEPC.TO @ $40.36101 CAD for a total cost of $40.36CAD (TFSA)

5 shares of T.TO @ $20.56823 for a total cost of $102.84 CAD (TFSA)

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 March 7, 2025, A&W Food Services of Canada (AW.TO) increased their dividend from $0.3748CAD to $0.48CAD per share quarterly, or from $1.4992 CAD to $1.92 CAD per share annually.  This is an increase of 28.1%.  

At the time of this dividend increase, I owned 106 shares of A&W Food Services of Canada.  This increase adds $44.60 CAD to my annual dividend income.

Dividend Decreases

There was no dividend decreases during the month of March 2025.  

Summary: 

As of April 5 , 2025, the total value of the portfolio is  $240003.75 CAD . This is a 3.83% decrease over last month's total.  

The portfolio is estimated to produce an estimate $13084.60 CAD in dividend income over the next 12 months. This is an increase of of $8.84 CAD , or 0.068%. 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.

Dividend increases or decreases announced already for April 2025, will be included in the next portfolio update. 

 

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 financial decisions based on their financial situation and tolerance for risk.ir financial situation and tolerance for risk.