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Portfolio

Non registered Investments:
Cold cash: $2 168.42
  
Stocks and Units investment portfolio $CAN

Timminco (TIMNF): $0.26
Bank of Nova Scotia (BNS): $9 860.34
Blue Note Mining Inc. (BLNMF): $0.05
Methanex Corporation (MX): $6 593.03
Fortis Inc. (FTS): $5 561.34
Pembina Pipeline Corporation (PPL): $25 055.84
Just Energy Group Inc. (JE): $6 797.16
Enbridge Income Fund Holdings Inc. (ENF): $11 081.77
Corby Distilleries Limited (CSW.A): $2 819.40
Premium Brands Holdings Corporation (PBH): $49 146.51
iShares S&P/TSX Capped REIT Index (XRE): $2 499.42
New Flyer Industries Inc. (NFI): $5 824.44
TMX Group Inc. (X): $542.88
K-Bro Linen Inc. (KBL): $3 876
WesternOne Inc. (WEQ): $15.30
TransCanada Corp (TRP): $1 527.50
Canadian National Railway Co (CNR): $9 379.80
Enbridge Inc. (ENB): $1 380.40
Agrium Inc. (AGU): $6 330.06
Canadian Utilities Limited (CU): $1 623.72
Black Diamond Group Ltd (BDI): $46.75
Emera Inc. (EMA): $1 223
BCE Inc. (BCE): $1 310.10
Saputo Inc. (SAP): $1 899.20
Lassonde Inc. (LAS.A): $2 438
Loblaw Companies (L): $810.96
Savaria Corporation (SIS): $7 991.30
Canadian Imperial Bank Of Commerce (CM): $3 398.10
ATCO Ltd. (ACO.Y): $2 772
CAE Inc. (CAE): $3 388.50
Dollarama Inc. (DOL): $2 151.90
Home Capital Group Inc. (HCG): $2 742
Jamieson Wellness Inc. (JWEL): $1 893
Northland Power Inc. (NPI): $2 440
WSP Global Inc. (WSP): $2 860
Aecon Group Inc. (ARE): $1 956

TOTAL: $189 236.03

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B): $1 508.72
Coca-Cola Company (The) (KO): $1 566.38
Cash: $55.37

TOTAL: $3 944.71 CAN     

Tax-free savings account (TFSA):

EnerCare Inc. (ECI): $60.39
Dumont Nickel Inc. (DNI): $25.83
RioCan Real Estate Investment Trust (REI.UN): $865.90
AltaGas Ltd (ALA): $868.80
CT Real Estate Investment Trust (CRT.UN): $1 416
Canadian National Railway Co (CNR): $4168.80
Exchange Income Corporation (EIF): $33.45
Firm Capital Mortgage Investment Corporation (FC): $504.40
Brookfield Infrastructure Partners L.P. (BIP.UN): $3 666.91
Brookfield Renewable Energy Partners L.P. (BEP.UN): $1 316.10
Laurentian Bank of Canada (LB): $1 203.20
The North West Company Inc. (NWC): $1 575
Andrew Peller Limited (ADW.A): $2 099.50
Canadian Imperial Bank Of Commerce (CM): $9 627.95
Hydro One Limited (H): $2 266.44
Toronto-Dominion Bank (TD): $1 455.40
Boyd Group Income Fund (BYD.UN): $2 867.70
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $2 416.40
Keg Royalties Income Fund (The) (KEG.UN): $1 407
Data Communications Mgmt (DCM): $8.82
Westshore Terminals Invest Corp (WTE):
Morneau Shepell Inc. (MSI): $1 908
Royal Bank of Canada (RY): $4 046.80
Morguard North American Residential Real Estate Investment Trust (MRG.UN): $2 341.50
Parkland Fuel Corp (PKI): $1 647.36
Park Lawn Corporation (PLC): $1 191
Toromont Industries Ltd (TIH): $2 245.20
National Bank of Canada (NA): $2 496.80  
BCE Inc. (BCE): $535.95
Northview Apartment Real Estate Investment Trust (NVU.UN): $3 550.50
Pure Industrial Real Estate Trust (AAR.UN): $1 344
Sienna Senior Living Inc. (SIA): $1 439.20
Boralex Inc. Class A Shares (BLX): $919.60
Cash: $61.98

TOTAL: $61 581.88

RSP investment portfolio:
Emera Incorporated (EMA): $12 914.88
EnCana Corporation (ECA): $1 558.44
Toronto-Dominion Bank (TD): $2 183.10
Telus Corp (T): $2 334
Alimentation Couche-Tard Inc. (ATD.B): $482.48
Royal Bank of Canada (RY): $2 023.40
Savaria Corporation (SIS): $3 171.40
Thomson Reuters Corporation (TRI): $2 412
Park Lawn Corporation (PLC): $3 970
Richards Packaging Income Fund (RPI.UN): $960.96
Toromont Industries Ltd (TIH): $392.91
CAE Inc. (CAE): $1 581.30
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $2 406.60
Boralex Inc. Class A Shares (BLX): $1 149.50
Cash: $84.54

Total: $37 625.51                                  

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund:
Total: $2 818.26                          

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1 320.27                          

Manulife Fidelity NorthStar GIF CAP B: $1 561.87
Manulife Simplicity Growth Portfolio: $1 350.80
Maritime Life CI Harbour Seg Fund: $1 234.88
Maritime Life Fidelity True North Seg Fund: 1 258.91
Manulife GIF MLIA B World Invest: $1 205.51
Total: $6 611.97

Other various: $1 451.71 + $2 681.71 + $5 797.95 = $9 931.37

TOTAL: $59 387.13

Social Capital at Desjardins Membership share: $35
Pending online income: $58.85
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
$316 412.02


To follow the progression of my investment portfolio, you can click under the label "Investment portfolio" located in the right column of the blog. The posts rate under “Investment portfolio” contains the portfolio updates made since the beginning of my blog.

Only the best of the best: my very top investment picks

I hold many investments and many investment products. I had been investing since 2005. What I currently hold as investment portfolio is mostly the result of accumulation of now over 10 years of investment. I am not a major seller. Once I purchase some mutual fund units, stocks or others, I mostly stick and hold, only selling in case of necessity or whenever a situation happen with a company. That only happens a few times so far. Among the way, I did good and bad choices. Luckily, most of my choices were good, but not everything that I hold in my portfolio is on my top list. To help you make better investment choices, proudly, I present my fabulous money makers $$. 

The best of the best investment picks from the Dividend Girl:

K-Bro Linen Inc. (KBL)
Westshore Terminals Invest Corp (WTE.UN)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Firm Capital Mortgage Investment Corporation (FC)
Enbridge Inc. (ENB)
Agrium Inc. (AGU)
Canadian Utilities Limited (CU)
Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
Enbridge Income Fund Holdings Inc. (ENF)
Corby Distilleries Limited (CDL.A)
Davis + Henderson Corporation (DH)
Premium Brands Holdings Corporation (PBH)
EnerCare Inc. (ECI)
iShares S&P/TSX Capped REIT Index (XRE)
Exchange Income Corporation (EIF)
TMX Group Inc. (X)
Emera Incorporated (EMA)

Savaria Corporation (SIS)
Cineplex Inc. (CGX)
BCE Inc. (BCE)
Stella Jones Inc. (SJ)
Saputo Inc. (SAP)

CT Real Estate Investment Trust (CRT.UN)
Exchange Income Corporation (EIF)

Morneau Shepell Inc. (MSI)
Royal Bank of Canada (RY)

The North West Company Inc. (NWC)
Andrew Peller Limited (ADW.A)
Barrick Gold Corporation (ABX)
Canadian Imperial Bank Of Commerce (CM)
Hydro One Limited (H)
Toronto-Dominion Bank (TD)
Boyd Group Income Fund (BYD.UN)

Lassonde Inc. (LAS.A)

30 comments:

Anonymous said...

good blog, would be also interested in your worst investments. Why did you decide on the horizons gold yield fund BTW?

cheers, keep it up.

Sunny said...

Hi,

I invested in Horizons Gold while it was their public offering. I was looking for a gold investment paying out some dividend. I got what I wanted with HGY.UN, at the exception of spectacular gains. I originally purchase my units at 10$ and it worth now a bit less.

Anonymous said...

This is my first time to step into the world of stock investing. I stumbled on your blog when researching online. Thank you for sharing.

Anonymous said...

While the 'tax tail' shouldn't 'wag the dog' often a bit more explanation (research) is needed in making decisions. Please read the shareholders' information pages for every stock purchase. EIF --one of your darlings-- issues both an eligible & ineligible portion of a single dividend payment. This can have implications for holdings in a non-registered account. I'm unsure if US withholding tax has already been taken off at issuance. Another example of a "dividend" not being a "dividend" is MCAN where it is issued (along with a year-end T5) as interest. Cheers.

Iain from Smart Dividend Growth said...

Hi Sunny,
Thanks for sharing everything on your blog. I'm a little confusing after reviewing your portfolio.

Do you take a top down approach or bottom up approach? It seems that you own a wide variety of stocks and mutual funds. What is your overall approach to investing?

Sunny said...

Hi Iain,

I can understand the confusion!

I started investing in 2005 and the overall portfolio is the result of regular investments from 2005 to today.

The oldest part of my portfolio is the RRSP one, with its GICs. Following what, I invested in distinct funds, RBC mutual funds and CIBC mutual funds.

In 2008, I started investing in stocks.

In 2011, I made my first US dollars investment in Sprott Silver.

I like to hold different kind of investment in my portfolio. I am not familiar with top down, bottom approach... I keep everything pretty much simple. I like to mix with different sectors, different companies, different financial products. My RRSP would need a review, but the non-registered part is what is keeping me busy at this time.

What I am looking for is ways to invest wisely and to protect my asset.

Silverclan said...

Hey I really like your blog I just wanted to give a sugestion for a company to possibly invest in. The company is Aberdeen Asia-pacific income fund and the ticker is FAP on the tsx. It's a closed end investment fund, and it pays a steady dividend of $.05 a share per month, it's share cost around the $7 range and it yields over 8%! And the best part is it offeres a dividend reinvestment plan! I have owned this company for a while and it has been one of my best performers!

Sunny said...

Hi, thanks for sharing! The chart is quite good for a small cap. And the company is interesting. I can see myself investing in this one for sure in a close future.

Anonymous said...

I note u don't have much in the way of defensive positions...other than the metals holdings. Have u considered bonds, especially real return bonds as a anti-flationary holding? Cheers.

Sunny said...

It could be a good idea. I just move to New Brunswick and I have many things to do. Major one being on refreshing myself on how to drive a car... I do not even follow my portfolio at this time, I just give a quick check. My non registered is at 108 559.39$... look like it's doing ok :0)

Anonymous said...

I am glad you like to invest and save money. The thing is if you hold lots of stocks and mutual funds of just canadian stuff you are overweighted in canadian equities and not too diversified. The tse is a very small exchange. Actually you are overdiversified holding the same stuff between mutual funds and stocks which are part of the mutual funds you hold. you may want to consider putting 100k in a dividend mutual fund which re-invests the distributions and take advantage of dollar cost averaging. Still get dividends:)

cheers!

Anonymous said...

What's you average return on a year? Just a suggestion check out carfinco (CFN). Great small cap stock with a good dividend and ROE of 49%. For a high dividend stock it also has a great equity growth. Long term hold.

Anonymous said...

Hi Sunny

Happy New Year!!

I justed wanted to make sure I can follow your progress with increasing your dividend income from your non-registered investments.

As of Dec 31, 2012 you recieved 7700 dollars in dividend income.

Part of this comes from your margin account which you need to pay at least the interest ($2100).

This leaves 5600 per year before paying your credit card balances which is about $900

Net: 4500 before you get some money back in taxes for recieving mostly dividends and deducting the
interest from the elligible loan

Your goal is to get to 1000K/annum in the short to medium term?

Assuming your earnings from your jobs is variable and low (<15000K?), you could withdraw somefunds from your RRSP. There will be witholding taxes but..use the dividend credits to lower your taxable income (it is possible to get back most, if not all the witholding tax on an amount of RRSP withdrawn, when you do your taxes the following year). Use the RRSP money to invest in your non-registered account (and please invest in companies that increase their dividends!) Also, use your TFSA to make sure "bets" on companies that will give you a capital gain in the short term. Withdraw the money from the TFSA and invest in non-registered account to increase your dividends and get the dividend credit. Again, this will be effective in allowing you to take a little more from your RRSP and invest. This could be a way of "melting" your RRSP in a tax efficient way if your income is low for a few years.
I would not focus on TFSA at this stage unless we have another market melt down and you have accumulated 25-50K to invest in a sure bet rebound. I would focus on melting the RRSP's (assuming the low income situation) and tailoring your non-reg portfolio a little bit better into good dividend growers like CNR, BNS(banks), ENB,TRP,FTS/EMA etc.Seasonally sprinkle with some good high beta names that are growth companies.

If your income is (40K you say) i would not put too much or any into RRSP maybe the bare minimum but use your dividend investing to get back money from the quebec government.

Please be aware that if you have XX.UN companies in your non-reg portfolio (i know most have converted to div. paying), they are likley paying interest distributions and not dividend. Some might even be paying Return of capital which you will be need to adjust for cost base going forward in can you sell at a future date.

Have you consulted a financial advisor or tax accountant? I think it might be worth your while to do this.

You might be interested in a book by Jeremy Siegel called "Stocks for the long run"...a very good read.

Good luck for 2013


Anonymous said...

It would be nice to know your actual purchase price for each of the stocks you list.

Anonymous said...

Hey Sunny

I was looking over your non-registered portfolio for the purpose of identifying growth companies that have i) had a great run and whose outlook is not great i.e. high PE or PEG valuation or ii) companies that have gone south price wise and their future uncertain due to wayward mismanagement etc.Since purchasing many of these during the financial crisis, some unsystematic or systematic risks may be around the corners that will bring down your capital gain drastically. So, it may be worth your time to find out what is going on with some these big winners and abysmal losers.
The reason for my interest in your portfolio is the following. If you sell those high fliers with poor growth prospects for a capital gain and sell the losers for a capital loss, you may be able to minimize your capital gain on which you will be taxed. If this can be done, the proceeds can be used to invest in those stable dividend growers and those can then form a better core holding that you should never, if ever, sell (e.g. pipeline, telco,utility, bank, rail, energy company)...but only if some materail change in the their business occurs that you unequivocally disagree with.

Since a good portion of your portfolio is leveraged /margin, you may, out of necessesity, need to be more discriminating in which stocks you sell.

As an aside, it would be interesting to calculate the beta of your non-registered portfolio.

Anonymous said...

Why is your TFSA not maxed out?

Anonymous said...

How can stocks like ATP, FR, JE, PGF, be the best of the best or your top investment picks, these should be the worse of the worse

Anonymous said...

I like many of your stock selections but to be honest, your fund holdings are a waste of money. There is no reason to pay any management fees for sub-par performance.

Anonymous said...

BNT is going to go bankrupt.

Anonymous said...

how's cgl doing since you are invested???

the best measure is tell us your average cost and current price then this is truer measure of how well you are doing overall. otherwise this is all bullshit and fake.

ken said...

Still think Stornoway diamond is a good bet? I am
invested in Copper Mountain mining, this stock is under valued till the summer. This company firm contracts for the sell of their copper. Their management is strong and there is twenty analyzes following. Cum.to
From ken

Louis said...

I like your blog (except for the Quebec bashing part). The energy level and motivation you deploy at building your assets is incredible.

For you portolio, you seems to me that your are spread too thin. The logistics of tracking your return and doing your taxes must be a huge pain.

I understand that it was built over time but you are close to 200k in asset so any position of less than 2000$ is less than 1% of your whole portfolio so their impact are negligable to the total return. Personaly I would start consolidating the smaller positions into blocks of 5-10k$ minimum.

Sam from The Nude Investor said...

You've definitely got yourself a diversified portfolio there! Glad to hear you've done really well over the past 8 years or so. I just started a similar blog with a similar goal - so people can follow all my ups and downs and hopefully learn from my mistakes and successes.

Keep up the good work!

Annie said...

I am impressed. I have a question though: do you have any advice for someone who is thinking of getting their feet wet in the stock market? I know absolutely nothing about it, but I wonder about making small investments with my nest egg to diversify my income.

joshua debaie said...

Wow, great job. I am just starting out with my TFSA, first time investing. With money starting to save up decided to give it a try. Read a few books and the time is now lol. I like the idea of Dividend stocks over growth. Thinking of Telus for my next pick, I will see. Love any ideas or advice for a Newbie.

Sunny said...

When I first start investing, Derek Foster books is what help me started. Check him out: stopworking.ca and register to his video series for updates.

Investing in stocks is always risky. I can make suggestion picks that work well for me so far, but it doesn't mean that those investments are free of risk (suggestions will follow). As soon as you invest in stocks, you'll become vulnerable to the stock market. When the stock market goes down and that you lose thousands of dollars in a single day, trust me, life get hard. And moment like that can last on a long period of time. However, stock market seem to have ability to go up just like nothing happen... Its a crazy world. You must be aware that you are entering a world where non-sense rule.

The portfolio expose if my very own portfolio, I hold a bit of junk stocks that I wouldn't suggest to anyone to hold. Those "junk stocks" remain in my portfolio by choice. What I mean here is that my portfolio is not perfect. You shouldn't go and invest in all of the stocks I hold. It result of my best and worst decisions, of my best and worst move.

TD, CNR, FTS, SAP are what I consider very strong assets and it could be consider as good Canadian stocks to invest when you begin a portfolio. Avoid the oil sector, avoid gold and silver investments - too volatile and difficult to hold.

Anonymous said...

Too bad you didn't keep Rogers Sugar. 6.37 and pays .09 every quarter.

Char Wong said...

Thank you for sharing! Would you mind me asking how much of your funds you initially invested in the stock market in 2008?

Matt said...

It is always a good idea to collect a good group of dividend paying stocks.

I was curious if perhaps you have too many stocks?

I have a 740K portfolio and I have less then a quarter of the stocks you have.

At some point when you have a large selection of stocks over many sectors it seems a better choice to get into index's and ETF's that traditionally out perform the stock market.

I'd consolidate consolidating your stocks a bit to make keeping track of them a bit more manageable.

Congrats on being disciplined in your saving habits.

Anonymous said...

Doesn't mean much with the 20% depreciation in the Canadian dollar.

 

Thank you

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