Portfolio Update - July 2025

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

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.

The portfolio is estimated to produce an estimate $12895.31 CAD in dividend income over the next 12 months. This is an increase of $439.50 CAD , or 3.53%. 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 financia

Portfolio Update - June 2025

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

The liberal tax cut of 1% for the lowest income tax bracket went into effect on July 1.  This will mean more take home on your paycheck and/or reduction in taxes for the calender year.  

The S&P500 was up 4.73% over the past month.  In the last 5 days, the S&P500 was up 0.01%. 

The S&P TSX Composite Index was up 1.96% over the past month.  In the last 5 days S&P TSX Composite Index was down 0.02% over the last 5 days.

Portfolio Activity

Margin Account Activity

On July 4,  I sold 1 FTS.TO 07/25/2025 $62 PUT for a net premium of $24.01 after commissions. 

TFSA Activity

On June 17, 2025, I purchased 61 shares of Canadian National Railway (CNR.TO) at $139.00 for a total cost of $8479.00 .  Currently, Canadian National Railway pays an annual dividend of $3.55 CAD per share.  The yield on cost for this purchase is 2.55%.

This purchase adds approximately $216.00 CAD to my annual dividend income.

Shares Purchased Via DRIP

1 unit of REI.UN @ $17.35479 for a total cost of $17.35 (TFSA)

1 unit of KMP.UN  @ $19.64  for a total cost of $19.64 CAD (TFSA)

1 unit of SRU.UN @ $25.75687 for a total cost of $25.76 (TFSA)

1 share of MFC.TO @ $41.63192 for a total cost of $41.63 (TFSA)

1 share of AW.TO @ $37.39487 for a total cost of $37.39 (TFSA)

2 units of BEP.UN @ $25.47 USD for a total cost of $69.70 CAD (TFSA)

1 share of BEPC.TO @ $44.21356 CAD for a total cost of $44.21 (TFSA)

1 unit of BPF.UN @ $19.67 for a total cost of $19.67 (TFSA)

5 shares of T.TO @ $22.09776 for a total cost of $110.49 (TFSA)

1 unit of REI.UN @ $17.70455 for a total cost of $17.70 (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

There has been no dividend increases since the last update. 

Dividend Decreases

There has been no dividend decreases since the last update.

Summary: 

As of July 12 , 2025, the total value of the portfolio is $283359.52 CAD. This is a 5.14% increase over last month's total.

The portfolio is estimated to produce an estimate $12455.81 CAD in dividend income over the next 12 months. This is an increase of $244.39 CAD , or 2.00%. 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 financia

Portfolio Update - May 2025

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

In Canada, the new cabinet was sworn in and parliament resumed on May 26, 2025. On May 26, a new speaker was elected. On May 27, was the reading of the throne speech that "suppose" to lay out the government priorities.

Tariffs have affected the cost of living and cost of business in Canada, United States and around the world.

The S&P500 was up 6.55% over the past month.  In the last 5 days, the S&P500 was up 1.76%. 

The S&P TSX Composite Index was up 5.04% over the past month.  In the last 5 days S&P TSX Composite Index was up 0.93% 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 June 2, 2025, I purchased 10 shares of TFI International (TFII.TO) at $115.85 for a total cost of $1158.50 including commissions.  Currently, TFI International pays an annual dividend of $1.80 USD per share.  At the time of this writing, this is equivalent to $2.47 in Canadian dollars.  Using the Canadian dollar equivalent, the yield on cost for this purchase is 2.13%.

Using the Canadian dollar equivalent, this purchase adds approximately $24.70 CAD to my annual dividend income.

On June 2, 2025, I purchased 6 shares of Canadian National Railway (CNR.TO) at $142.65 for a total cost of $1426.50 including commissions. Currently, Canadian National Railway pays an annual dividend of $3.55 CAD per share.  The yield on cost for this purchase is 2.49% .

This purchase adds $21.30 CAD to my annual dividend income. 

Shares Purchased Via DRIP

1 unit of BPF.UN @ $19.13786 for a total cost of $19.14 (TFSA)

1 share of FTS.TO @ $66.87151 for a total cost of $66.87 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 May 27, Bank of Nova Scotia increased their dividend from $1.06 CAD to  $1.10 CAD per share quarterly, or from $4.24 CAD to $4.40 CAD per share annually.  This is an increase of 3.77%.  Bank of Nova Scotia has been increasing their dividend semi-annually for the past number of years prior to keeping the dividend the same over the past year.  

I currently own 100.510316 shares of Bank of Nova Scotia.  This increase adds $16.08 CAD to my annual dividend income.

On May 28, Bank of Montreal (BMO.TO) increased their dividend from $1.59 CAD to  $1.63 CAD per share quarterly, or from $6.36 CAD to $6.52 CAD per share annually.  This is an increase of 2.52%.  Bank of Montreal has been increasing their dividend semi-annually for the past number of years.

I currently own 85 shares of Bank of Montreal.  This increase adds $13.60 CAD to my annual dividend income.

On May 29, Royal Bank of Canada increased their dividend from $1.48 CAD to  $1.54 CAD per share quarterly, or from $5.92 CAD to $6.16 CAD per share annually.  This is an increase of 4.05%.  Royal Bank of Canada has been increasing their dividend semi-annually for the past number of years. 

I currently own 56 shares of Royal Bank of Canada.  This increase adds $13.44 CAD to my annual dividend income.

Dividend Decreases

There has been no dividend decreases since the last update.

Summary: 

As of June 7 , 2025, the total value of the portfolio is $269513.25 CAD. This is a 2.48% increase over last month's total.

The portfolio is estimated to produce an estimate $12211.42 CAD in dividend income over the next 12 months. This is an increase of $55.63CAD , or 0.458%. 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 financia

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. 

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. 

Portfolio Update - February 2025

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

The news about tariffs have been the big news story the past month. This has led to layoffs due to uncertainty.

The S&P500 was down 7.48% over the past month.  

The S&P TSX Composite Index was down 4.46% over the past month.

Portfolio Activity

Margin Account Activity

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

TFSA Activity

On February 12, I "attempted" to purchase 44 additional shares of Titanium Transportation Group (TTNM.TO)at $1.65 per share.  I clicked sell instead of buy.  So, the order got filled immediately at $1.69 per share.

Following this mistake, I purchased 100 shares of TTNM.TO at $1.65 per share for a total cost of $165.00 including commissions, which are actually $0.00 now with Questrade). 

On February 21, I purchased 20 additional shares of TFI International at $135.75 per share for a total cost of $2715.00.  Currently, TFI International (TFII.TO) pays a dividend of $0.45 USD quarterly, or $1.80 USD per share annually. 

So this purchased adds $36.00 USD to my annual dividend income.  This is equivalent to  $51.74 in Canadian dollars at the time of this writing. 

Shares Purchased Via DRIP

1share of FTS.TO @$64.0052  for a total cost of $64.01 CAD (TFSA)

1 unit of REI.UN @  $18.73288 for a total cost of $18.73 (TFSA)

1 unit of KMP.UN @  16.1998 for a total cost of $16.20 (TFSA)

1 unit of SRU.UN @ $25.35594 for a total cost of $25.36 CAD (TFSA)

3 shares of EMA.TO @ $56.2365 for a total cost of $168.71 (Margin)

2 units of BPF.UN @ $17.32 for a total cost of $34.64 (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 February 13, Meta Platforms (META) increased their dividend from $0.50 USD to $0.525 USD per share quarterly, or from $2.00 USD to $2.10 USD per share annually.   This is an increase of 5.00%.  

I currently own 10 shares of Meta Platforms. This increase adds $1.00 USD  to my annual dividend income. At the time of this writing, this is equivalent of $1.44 CAD in Canadian dollars. 

On February 19, Riocan REIT  (REI.UN) increased their distribution from $0.0925 to $0.0965 CAD per share quarterly, or from $1.11 to $1.158 CAD per unit annually.   This is an increase of 4.32%.  

I currently own 278 units of Riocan REIT.  This increase adds $13.34 CAD to my annual dividend income.  

Dividend Decreases

 On February 7, Titanium Transportation Group (TTNM.TO) announced the company is suspending their dividend due to all the uncertainty in the economy.

I owned 856 shares of Titanium Transportation Group at the time of this announcement.  Titanium Transportation was paying a dividend of $0.02 per share quarterly, or $0.08 per share annually.

This suspension reduces my annual dividend income by $68.48 CAD from my annual dividend.

Summary: 

As of March 12, 2025, the total value of the portfolio is  $249572.22 CAD . This is a 1.241% decrease over last month's total.  

The portfolio is estimated to produce an estimate $13075.76 CAD in dividend income over the next 12 months. This is an increase of of $23.90 CAD , or 0.183%. 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 February 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. 

Portfolio Update - January 2025

 The month of January 2025 as end and what a month!

Edit:  I had to remove stuff from this post.

The S&P500 was up 3.41% over the past month.  

The S&P TSX Composite Index was up 1.47% over the past month.

Portfolio Activity

Margin Account Activity

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

TFSA Activity

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

Shares Purchased Via DRIP

1share of QSR.TO @ $65.29 USD for a total cost of $94.04 CAD (Margin)

1 unit of REI.UN @ $18.35321 for a total cost of $18.35 (TFSA)

1 unit of KMP.UN @ $16.98615 for a total cost of $16.99 (TFSA)

1 unit of SRU.UN @ $24.72232 for a total cost of $24.72 CAD (TFSA)

4  shares of AQN.TO @ $4.32974USD for a total cost of $24.85CAD (TFSA)

2 units of BPF.UN @ $17.5335 for a total cost of $35.07 (TFSA)

3 shares of TD.TO @ $83.12913 for a total cost of $249.39 CAD (TFSA)

1.106024 shares of BNS.TO @ $74.917 for a total cost of $82.86 CAD (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 January 30, Canadian National Railway (CNR.TO) increased their dividend from $0.845 CAD to $0.8875 per share quarterly, or from $3.38 CAD to $3.55 CAD per share annually.   This is an increase of 5.03%.  

I currently own 94 shares of Canadian National Railway. This increase adds $15.98 CAD to my annual dividend income.

On January 31, Brookfield Renewables LP  (BEP.UN) increased their distribution from $0.355 USD to $0.373 USD per share quarterly, or from $1.42 USD to $1.492 USD per share annually.   This is an increase of 5.07%.  

I currently own 147 units of Brookfield Renewables LP. This increase adds $10.58 USD to my annual dividend income. At the time of this writing, this is equivalent to $15.13 CAD.

On January 31, Brookfield Renewables Corporation (BEPC.TO) increased their dividend from $0.355 USD to $0.373 USD per share quarterly, or from $1.42 USD to $1.492 USD per share annually.   This is an increase of 5.07%.  

I currently own 118 shares of Brookfield Renewables Corporation. This increase adds $8.50 USD to my annual dividend income.  At the time of this writing, this is equivalent to $12.15 CAD.

Dividend Decreases

There were no dividend decreases in January 2025.  

 

Summary: 

As of February 9, 2025, the total value of the portfolio is  $252708.59 CAD . This is a 0.73% decrease over last month's total.  

The portfolio is estimated to produce an estimate $13051.86 CAD in dividend income over the next 12 months. This is an increase of of 52.98 CAD , or 0.408%. 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 February 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.

Portfolio Update - December 2024

 The month of December 2024 as end and what a month!

In Canada, The federal finance minister resigned the morning of the same day she was to present the fall economic statement.  The federal finance minister was offered another position in the federal cabinet, but resigned instead as she felt she didn't have the confidence of the Prime Minister.

The opposition parties were all over this and pushing more and more for the Prime Minister of Canada to resign.  The Prime Minister has cancelled all his year-end interviews with the major news channels and is keeping quiet.  

Parliament is set to resume on January 27 2025.  There has been ongoing calls for the Prime Minister to resign, including those in the liberal government. 

This ongoing tension is affecting the markets and business in Canada.  On top of this, Donald Trump will be sworn in as president of the US on January 20th.  Shortly after a US president is sworn in, there could be immediately changes that happen and these changes can affect the markets. 

The S&P500 was down 2.37% over the past month.  

The S&P TSX Composite Index was down 2.21% over the past month.

Portfolio Activity

Margin Account Activity

On November 18th, I sold 2 Dec202024 RCI.B.TO $49 put options at $0.65 for a net premium of $118.05 after commissions.  As the option seller, I am paid this net premium.

This option was assigned as the price of the stock was below $49.00 at expiration. 

Strike Price = $49.00

# of contracts = 2

Net Premium = $118.05

Assignment Fee = $24.95

The adjusted cost base of this purchase is $9706.90  (2*100*$49.00-118.05+24.95).  Currently,  Rogers Communicaton Class B  (RCI.B.TO) pays a dividend of $0.50 CAD per share quarterly, or $2.00 CAD per share annually.  The yield on cost for this purchase is 4.12%. 

This put option assignment adds $400.00 CAD to my annual dividend income.

TFSA Activity

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

Shares Purchased Via DRIP

1 unit of REI.UN @ $18.70201 for a total cost of $18.70 (TFSA)

1 unit of KMP.UN @ $17.7235for a total cost of $17.72 (TFSA)

1 unit of SRU.UN @ $25.47918 for a total cost of $25.48 CAD (TFSA)

7 shares of TTNM.TO @ $2.3235 for a total cost of $16.26 (TFSA)

1 share of MFC.TO @ $43.12926 for a total cost of $43.13 (TFSA)

1 share of AW.TO @ $36.73418 for a total cost of $36.73 CAD (TFSA)

2 units of BEP.UN @ $23.10927US for a total cost of $66.34 CAD (TFSA)

3  units of BPF.UN @ $17.7535 CAD  for a total cost of $53.26 CAD (TFSA)

5 shares of T.TO @ $19.64178 CAD for a total cost of $98.21 CAD (TFSA)

Brookfield Renewable Corporation (BEPC) changed its corporation structure with a share restructuring.  Therefore, at the time of this writing, a dividend was paid but there is no sign of new shares via DRIP.

  

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 December 3rd, Enbridge Inc  (ENB.TO) increased their dividend from $0.915 CAD to $0.9425 per share quarterly, or from $3.66 CAD to $3.77 CAD per share annually.   This is an increase of 3.01%.  

I currently own 359.278 shares of Enbridge. This increase adds $39.52 CAD to my annual dividend income.

On December 4th, Royal Bank of Canada  (RY.TO) increased their dividend from $1.42 CAD to $1.48 CAD per share quarterly, or from $5.68 CAD to $5.92 CAD per share annually.   This is an increase of 4.23%.  

I currently own 56 shares of Royal Bank. This increase adds $13.44 CAD to my annual dividend income.

On December 5th, Canadian Imperial Bank Of Commerce "CIBC"  (CM.TO) increased their dividend from $0.90 CAD to $0.97 CAD per share quarterly, or from $3.60 CAD to $3.88 CAD per share annually.   This is an increase of 7.78%.  

I currently own 220 shares of CIBC. This increase adds $61.60 CAD to my annual dividend income.

On December 5th, Bank of Montreal  (BMO.TO) increased their dividend from $1.55 CAD to $1.59 CAD per share quarterly, or from $6.20 CAD to $6.36 CAD per share annually.   This is an increase of 2.58%.  

I currently own 85 shares of Bank of Montreal. This increase adds $13.60 CAD to my annual dividend income.

On December 5th, TD Bank  (TD.TO) increased their dividend from $1.02 CAD to $1.05 CAD per share quarterly, or from $4.08CAD to $4.20 CAD per share annually.   This is an increase of 2.94%.  

I owned 205 shares of TD Bank the day of the announcement. This increase adds $24.60 CAD to my annual dividend income.

On December 9th, Boston Pizza Royalties Income Fund (BPF.UN) increased their distribution from $0.113 CAD to $0.115 CAD per unit monthly, or from $1.356 CAD to $1.38 CAD per share annually.   This is an increase of 1.77%.  On top of this increase, a one time special distribution was announced of $0.075 per unit.

Dividend Decreases

There were no dividend decreases in December 2024.  

 

Summary: 

As of January 4, 2025, the total value of the portfolio is  $254567.25 CAD . This is a 1.863% decrease over last month's total.  

The portfolio is estimated to produce an estimate $12998.88 CAD in dividend income over the next 12 months. This is an increase of of 626.98 CAD , or 5.07%. 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 December 2024, 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.