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Wednesday, February 8, 2012

My investment portfolio on date of February 8, 2012

Savings: 1 113.71$

Non registered Investments:
Stocks and Units investment portfolio CAN$
Sprott Inc. (SII): 7 548.45$
Timminco (TIM): 2$
Blue Note Mining (BNT): 24$
Bank of Nova Scotia (BNS): 5 688.71$
Hanwei Energy Services (HE): 30$
Methanex Corporation (MX): 3 037.47$
Fortis Inc. (FTS): 3 680.64$
Pembina Pipeline Corporation (PPL): 13 037.04$
Just Energy Group Inc. (JE): 8 737.46$
Pengrowth Energy Corporation (PGF): 2 237.40$
Enbridge Income Fund Holdings Inc. (ENF): 7 470.50$
Corby Distilleries Limited (CDL.A): 1 803.48$
Davis + Henderson Corporation (DH): 3 900.03$
Premium Brands Holdings Corporation (PBH): 7 442.52$
EnCana Corporation (ECA): 4 012.88$
iShares S&P/TSX Capped REIT Index (XRE): 2 462.46$
Horizons Gold Yield Fund (HGY.UN): 2 025.72$
Canfor Pulp Products Inc. (CFX): 1 374.95$
New Flyer Industries Inc. (NFI): 1 528.80$
Exchange Income Corporation (EIF): 7 944.30$
Rogers Sugar Inc. (RSI): 528.28$
Student Transportation (STB): 1 445.35$
Colabor Group Inc. (GCL): 1 135$
TMX Group Inc. (X): 4 256.46$
Data Group Inc. (DGI): 3 084.90$
K-Bro Linen Inc. (KBL): 2 178$
Westshore Terminals Invest Corp (WTE.UN): 5 007.58$
WesternOne Equity Income Fund (WEQ.UN): 2 724.60$
Atlantic Power Corp (ATP): 3 375.60$
First Majestic Silver Corp (FR): 1 960$
Kinross Gold Corp (K): 1 659$
TransCanada Corp (TRP): 1 047$
Canadian National Railway Co (CNR): 2 346.30$
Firm Capital Mortgage Investment Corporation (FC): 537.20$
Sprott Strategic Fixed Income Fund (SFI.UN): 465$
Enbridge Inc. (ENB): 1 094.52$
Agrium Inc. (AGU): 1 156.82$
Canadian Utilities Limited (CU): 1 299.48$
Veresen Inc. (VSN): 1 023$

TOTAL: 120 312.90$

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): 2 303.19$
Cash: 4.12$

TOTAL: 2 307.31$

Tax-free savings account (TFSA)
EnerCare Inc. (ECI): 28.44$
Dumont Nickel Inc. (DNI): 1 581.25$
Sprott Physical Silver Trust UTS (PHS.U): 2 990.64$
Cash: 3.73$

TOTAL: 4 604.06$

RSP investment portfolio:
Sprott Canadian Equity Fund: 6 404.46$
Claymore Gold Bullion ETF (CGL): 5 239$
EnCana Corporation (ECA): 1 967.48$
Emera Incorporated (EMA): 7 126.20$
Sprott Physical Silver Trust UTS (PHS.U): 996.88$
Cash: 136.72$

CIBC Dividend Growth Fund: 561.82$
CIBC Emerging Markets Index Fund: 458.18$
CIBC Monthly Income Fund: 1 081.96$

Energy and Base Metals Term Savings (Indexed term savings): 577.30$
Natural Resources Term Savings (Indexed term savings): 502.06$

GIC National Bank: 1 242.70$
GIC Plus TD: 500$

Maritime Life International Equity Fund
(Templeton): 616.68$
Manulife Simplicity Growth Portfolio: 891.93$
Maritime Life CI Harbour Seg Fund: 1 053.79$
Maritime Life Fidelity True North Seg Fund: 1 004.54$
Manulife GIF MLIA B World Invest: 633.67$

Great-West – various: 1 957,04$
Various other mutual funds: 675$

RBC Canadian Dividend Fund: 558.62$
RBC U.S. Mid-Cap Equity Fund C$: 2 080.71$
RBC Global Resources Fund: 1 094.57$
RBC O'Shaughnessy International Equity Fund: 589.18$
RBC O'Shaughnessy All-Canadian Equity
Fund: 1 191.18$
RBC Global Precious Metals Fund: 885.97$

TOTAL: 40 027.64$

Social Capital at Desjardins Membership share: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
168 549.84$


Anonymous said...

You have contribution room in your TFSA of $15,396. It would make a lot of sense to move some of your higher dividend payers (JE, DH) there, so you can earn that income tax free. Any income you withdraw in a given year adds to your TFSA contribution room the following January - it's a good way to increase the tax sheltering of your holdings.

Liquid Independence said...

Thanks for the update D-girl. Smart choice for buying AGU in December. Some of your stocks have done really well.

Anonymous said...

I've seen ETF's with fewer O.K. Is there any idea here what the ROI is (assuming everything is DRIPed)? Book values? What is the aggregate Div yield? New (infused) capital? What is the debt (margin/personal)?... Net worth increase/decrease? Wheres THE ACCOUNTANT when you need him? Now lets get to some of the nitty gritty: maybe someone can enlighten me abt seg funds, but i think the only benefit is for your heirs when you die. So why? Some of the overlap is scary. We have HGY, CGL, RBC Prec Met, PHS, all commodity plays chasing metals, sometimes the same metal. Then we throw in Bluenote (chasing gold) then DNI (nickel). There's really no consumer goods here execept for booze: CDL.A PBH There doesn't seem to be any fixed term investments here, they may be hidden inside some of the mutuals, but I haven't that much time (wow what a LOT of mutuals going every which way). Some of the funds & ETFs are income ones, not growth ones. Why? planning on retiring soon? All we have is less than 2 thousand dollars in cash/cash equivalents. IMHO its time to sell off & consolidate this portfolio to properly diversify & risk manage. Help!! Cheers, Anony-maximus.

Sunny said...

I did not maximize my TFSA because I have a margin account and I always invest mostly in the non-registered account to boost my margin value and keep it secure, kind of.

TFSA kind of suck, only one withdraw authorize per year. I can do more, but extra withdraws will cost money. I need more flexibility with my money. I don't like TFSA much. It's good for the real rich.

Hi Liquid,

I have to say, I am getting better at the thing. The 200k is going to pop up soon.... just watch up. :)

I don't understand the third comment.

Ruth said...

but if you just transfer one of your stocks to the tax free fund , you are not taking money out of JE or Pengrowth , you might as well earn tax free money with those.

Sunny said...

The dividend earn inside a TFSA are free of any taxes, BUT the money in stuck there and static. I cannot withdraw the money every month to pay gas for my car or any other thing.

TFSA was made for RICH people who don't need their cash to survive.
A super dumb initiative coming from Tories who are looking to jack up to 67 the retirement age. Instead of doing so, they should banish TFSA.

Canadians are bunch of stupid people for having massively vote for Harper. Today, our seniors are paying the price for the stupidity.

I don't like and I don't care about TFSA. My dividend cash, I want to have the freedom to do whatever I want to with it EVERY SINGLE MONTH OF MY LIFE. Not only once a year.

Anonymous said...

She doesn't really need the TFSA because she probably has more than enough losses to write off anyway.

Sunny said...


Anonymous said...

Hi Sunny-Wow you are really diversified girl!! How about diversifying according to country/a specific market too(like The Chinese Market/ South Asia)?


PS-I agree with anony-maximus-you should limit your ideas and invest around them. For example one idea that I have is the idea that as demographics in Western Economies age there will be a need for new therapies to extend life/the working population-and I have positioned my portfolio accordingly.



Anonymous said...

Your TFSA is with TD Waterhouse I assuming. They allow only one free withdrawal a year.

Search the other brokers and you will find at least one that you can make multiple withdrawals for free. You can not put this money back in to the following year. My broker is Questrade and they allow multiple withdrawals without having to pay for them.

I agree that you should invest in your non-registered account due to the margin.

Ruth said...

But Sunny, surely you don't take money from all your stocks on a regular basis...this is tax free from our many breaks do u get from them,,can't you take out , say an amount once a year to cover a certain item...anything that saves on taxes is a good thing for all people.

Sean said...

Direct Investing allows me to withdraw my TFSA income whenever I want to. Quite convenient.

Anonymous said...

TFSA was not created for rich people. It was created as a "rainy day" account for the middle class & for people starting out in life. Its greatest impact is on interest bearing instruments ie. saving accounts, gic's, not divi or capital gains--that are for the "rich". There's not enough contribution headroom for the "rich people" to squirrel their money. The cumbersome "withdrawl/repayment" business was created to discourage short term money parking. The really bad part is that most institutions (with only one exception I know) charge a fee or require a large investment account balance for servicing this account. Cheers! Anony-oompa-loompa

Anonymous said...

My post where I mentioned Questrade and TFSA

If you take money out, you cannot put this money back in until the following year. Take 500 out in 2011 then your new contribution limit is 500 +5000 = 5500 for 2012.

Questrade lets you take money out whenever you want. I assuming there are other brokers that let you do this.

Margin or non-registered cash accounts has its benefits as well.


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