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Wednesday, February 16, 2022

Finally, my accurate dividend yield per investment portfolio

The TSX closed today's session at 21,383.64 points. My non-registered portfolio closed today session at $139,071.35, my US portfolio at $4,781.88 US, my RRSP portfolio - stocks only - at $65,345.82 and my TFSA portfolio at $128,914.61. My numbers are still strong. I received recently some sustainable dividend distributions. My margin debt is now down to $45,919.30. I would like to see my margin down to $40,000, or even better, in the $30,000. I suspect my net worth to be a bit behind the magical $345,622.80 of February 9, but not by that much.  

Yesterday, TransCanada Corp (TRP) announced an increase of 3.4 percent of their dividend distribution. Lately, many stocks of mine had declared an increase in their dividend distribution. My annual dividend income, including RRSP, is now quite close to $10,800 which is quite fun. Eventually, I would like to reach a $12,000 in annual dividend income, just to have somewhat the equivalent of a $1,000 per month in dividend income.

A few days ago, I was asked for the dividend yield that generate my portfolio. I find this to be quite an interesting question. I provided the following numbers:

Non registered CAN portfolio: $139,881.86; Annual dividend: $5890; Annual yield: 4.21%  

TFSA portfolio: $130,565.54; Annual dividend: $3000; Annual yield: 2.29%  

US portfolio: $4,884.58; US Annual dividend: $67.324; US Annual yield: 1.37%  

RRSP portfolio: $66,606.29 Annual yield: $1,768 Annual yield: 2.65%

However, I think the way I calculated my dividend yield per portfolio is not accurate, because I believe I have to use the initial investment value in my calculation and not the current investment value per portfolio. If I use the acquisition value as the main data in this yield calculation, I come up with those numbers:

Non registered CAN portfolio Annual dividend yield: 7.95%

TFSA portfolio Annual dividend yield: 3.37%

US portfolio Annual dividend yield: 2.45%

RRSP portfolio Annual dividend yield: 4.54%

I think I have it correctly this time! :-)

4 comments:

Anonymous said...

Pretty good payouts. :)

Cheryl said...

Thank you for today's write up on Yield Percentage. I suppose having calculated both ways, (original yield at purchase and again based on current stock value) this give a view into how much your yield/portfolio has increased. Wonderful to see that yield going up.

Cheryl said...

I think I was wrong in my first assumption. I dont think you can retro calc your yield percentages unless you have the yields etc from the time of purchase. Can you tell me why you redid your calculation using the other totals? Thank you

Sunny said...

Hi Cheryl,

I taught about it since last time, and I came up with that idea.
I taught this time I had the correct way to calculate yield.
Based on the initial value of each portfolio, in regard of today's portfolio yield.
But maybe I am wrong.
As for the yield of each investment at the time I purchased the stock, it would be hard to find the data.
Anyway, what I gave as numbers kind of gives an idea of the yield or an impression of it lol

 

Thank you

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