The month of July 2025 as ended and it was quite the month!
The S&P500 was down 0.66% over the past month. In the last 5 days, the S&P500 was down 2.50%.
The S&P TSX Composite Index was down 0.05% over the past month. In the last 5 days S&P TSX Composite Index was down 1.72% over the last 5 days.
Portfolio Activity
Margin Account Activity
On July 17, I purchased 60 shares of Canadian National Railway (CNR.TO) at $140.68 for total cost of $8440.80 including commissions. Currently, Canadian National Railway pays and annual dividend of $3.55 per share. The yield on cost for this purchase is 2.52%.
On July 23, I purchased 15 shares of Canadian National Railway (CNR.TO) at $131.13 for total cost of $1966.95 including commissions. The yield on cost for this purchase is 2.71%.
On August 1, I purchased 5 shares of Canadian National Railway (CNR.TO) at $127.85 for total cost of $639.25 including commissions. The yield on cost for this purchase is 2.78%.
These purchases add $284.00 to my annual dividend income.
The adjusted cost basis for this position is $138.09. I own Canadian National Railway is my TFSA and RRSP as well. The TFSA is the biggest position. In my margin account, I plan to take gains once it meets my sell price. The gains will be used for other purposes, but the dividends will remain in the account.
TFSA Activity
On July 22, I purchased 11 units of Harvest Diversified High Income Shares ETF (HHIS.TO) at $12.88 per unit for total cost of $141.68 including commissions. Currently, Harvest Diversified High Income Shares ETF pays and annual dividend of $3.00 per unit. The distribution is paid monthly. The yield on cost for this purchase is 23.2%.
This purchase adds $33.00 to my annual dividend income.
On August 1, 2025, I purchased 5 shares of Canadian National Railway (CNR.TO) at $127.95 for a total cost of $639.75 . Currently, Canadian National Railway pays an annual dividend of $3.55 CAD per share. The yield on cost for this purchase is 2.77%.
This purchase adds approximately $17.75 CAD to my annual dividend income.
Shares Purchased Via DRIP
1 unit of KMP.UN @ $19.27077 for a total cost of $19.27 CAD (TFSA)
1 unit of SRU.UN @ $25.84477 for a total cost of $25.84 (TFSA)
3 shares of AQN.TO @ $5.8288 USD for a total cost of $23.97CAD (TFSA)
2 shares of TD.TO @ $101.30 for a total cost of $202.60 (TFSA)
1 unit of BPF.UN @ $19.44109 for a total cost of $19.44 (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
Dividend Increases
There has been no dividend increases in July 2025.
Dividend Decreases
There has been no dividend decreases in July 2025.
Summary:
As of August 3, 2025, the total value of the portfolio is $284336.72 CAD. This is a 0.345% increase over last month's total.
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 financia
