Dividend Income Update - September 2025

                                                   

The month of September 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 $1169.26 in dividend income for the month of September 2025. This represents a 16.31% increase from 3 months ago and a 14.89% increase year over year.

I received dividend / distribution income from 15 different companies.

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

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

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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. 

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Next, I will show the percentage of total income for each position. Meta Platforms makes up 0.6%.

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In the first nine months of 2024, I received $833.82 in dividends. In the first nine months of 2025, I received $9547.85 in dividends. This is an increase of 14.98% in 2025 over the same period in 2024. 

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

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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 September 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 - 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