Celebrating my highest net worth EVER: $520,005.78

My net worth closed this past Friday’s session at a very nice $520,005.78. This is my highest value ever so far!

It’s quite surprising, especially knowing that tomorrow we’ll already be in December. Lately, I’ve been quite frugal and making an effort to save some money. I didn’t even buy anything during the Black Friday sales. It would have been easy to spend, but I honestly didn’t need anything. I’m really trying to only spend money on things I truly need. Recently, I’ve been cooking vegetarian meals for my old folks, so I’ve been spending a bit more on food. There are three of us, so I have to cook for three instead of just myself. I can’t realistically cook for all of us for a full week, but I’m able to prepare a few meals at least. I do this on the weekend.

This saving mode will continue in the same direction in December.

I am trying to contribute a total of $7,000 to my 2025 RRSP. I already have around $4,000 invested through my job. Whatever I can save until the end of December will go toward my RRSP contribution, and whatever I can save starting in January 2026 will go into my savings.

I had bills to pay this weekend, including my rent for December, so I am now left with only $3,843.84 in savings.

It takes quite a bit of resilience and hard work to build up savings these days, but just because it’s difficult doesn’t mean it’s not doable in this economy where everything is getting so expensive. I am spending the winter months in New Brunswick, in a small town, so it’s actually easier for me to save money here than it would be if I were in Montreal. Winter can be quite long in New Brunswick, but I keep myself busy.

Despite having a net worth in the 500K range, my concerns remain the same as before: save some money, contribute to my RRSP, etc. Nothing is really changing. A 500K net worth is certainly a good amount, but it’s not yet enough to make a significant difference in my life. My investment portfolio doesn’t generate enough in dividends yet to cover all of my expenses. So building up some savings and investing in my RRSP remain on my agenda. It’s nothing I can’t deal with, but not having to actually care about those things would be nice. It just feels like I am at the same point, despite having a 500K net worth.

One reason I feel that way is that I always have to rebuild my savings. It’s something that I find quite annoying. If I could have at least a solid $20,000 in savings, it could have a positive impact on my situation. A year ago, I became debt-free; in 2025, I reached a 500K net worth; and in 2026, I would like to put a little bit more money aside. This won’t bring much excitement, but it’s something that I need to work on. Especially at my age, I am 45 and I have barely 4k in savings, come on!

Historic of my Total assets and Net worth values on date of November 28, 2025

2025

Net worth on November 28, 2025: $520,005.78 - HIGHEST NET WORTH EVER!

Net worth on November 26, 2025: $516,742.75

Net worth on November 12, 2025: $518,978.52

Net worth on October 24, 2025: $514,705.49

Net worth on October 8, 2025: $519,565.65

Net worth on September 22, 2025: $510,015.72

Net worth on September 11, 2025: $506,356.03

Net worth on September 5, 2025: $503,783.13 

Net worth on September 4, 2025: $502,409.05

Net worth on August 22, 2025: $500,783.80 - the 500k net worth had been reached for the first time!

Net worth on August 21, 2025: $498,245.25

Net worth on August 5, 2025: $491,722.79 
Net worth on July 25, 2025: $491,146.01 - first time I ever reached 491k

Net worth on July 23, 2025: $488,537.85 - first time I ever reached 488k

Net worth on July 11, 2025: $486,088.88 - first time I ever reached 486k

Net worth on July 10, 2025: $483,292.76 - first time I ever reached 483k

Net worth on June 2, 2025: $481,318.67 - first time I ever reached 481k

Net worth on May 27, 2025: $480,965.11 - first time I ever reached 480k
Net worth on May 20, 2025: $478,695.60 - first time I ever reached 478k
Net worth on May 17, 2025: $475,419.57 - first time I ever reached 475k

Net worth on May 8, 2025: $473,933.65 - first time I ever reached 473k

Net worth on May 7, 2025: $470,216.73 - first time I ever reached 470k, and it's happening on the 80th anniversary of the end of WWII. Coincidence? I don’t think so!

Net worth on May 2, 2025: $469,222.44

Net worth on April 24, 2025: $456,866.22

Net worth on April 18, 2025: $449,055.01

Net worth on April 14, 2025: $442,956.09

Net worth on April 9, 2025: $438,966.46

Net worth on April 8, 2025: $429,036.12

Net worth on April 7, 2025: $434,701.84

Net worth on April 4, 2025: $443,118.38

Net worth on April 2, 2025: $466,233.88

Net worth on January 23, 2025: $469,813.558 - first time I ever reached 469k!

Net worth on January 21, 2025: $464,986.66

Net worth on January 18, 2025: $462,576.18

Net worth on January 3, 2025: $459,983.13

2024

Net worth on December 31, 2024: $456,092.61

Net worth on December 20, 2024: $453,186.36

Net worth: $450,265.60 (I no longer have debt). December 19, 2024

Total in assets: $467,956.81/Net worth: $467,529.69: November 29, 2024

Total in assets: $467,971.92/Net worth: $465,398.33: November 22, 2024 

Total in assets: $466,587.87/Net worth: $464,014.28: November 21, 2024 

Total in assets: $464,207.08/Net worth: $460,527.54: November 14, 2024

Total in assets: $466,665.20/Net worth: $461,948.22: October 17, 2024 

Total in assets: $465,108.53/Net worth: $460,391.55: October 16, 2024 - First time I am in the 460k!

Total in assets: $461,695.76/Net worth: $456,916.94: October 11, 2024

Total in assets: $456,672.76/Net worth: $451,890.80: October 4, 2024 - First time I ever hit on the 450k!

Total in assets: $452,186.49/Net worth: $447,251.10: September 26, 2024 

Total in assets: $450,780.69/Net worth: $447,210.34: September 13, 2024

Total in assets: $447,942.71/Net worth: $444,372.36: September 12, 2024 - First time I ever hit on the 444k

Total in assets: $443,006.26/Net worth: $439,463.77: September 9, 2024

Total in assets: $440,323.44/Net worth: $435,834.87: August 23, 2024

Total in assets: $438,570.89/Net worth: $432,208.43: July 31, 2024 - first time I ever reached 430k.

Total in assets: $434,175.23/Net worth: $427,812.77: July 22, 2024 

Total in assets: $419,382.05/Net worth: $413,741.80: May 10, 2024

Total in assets: $415,656.63/Net worth: $407,032.02: March 28, 2024

Total in assets: $410,830.45/Net worth: $403,444.26: March 8, 2024

Total in assets: $409,656.30/Net worth: $402,219.07: March 7, 2024 - first time I ever reached 400k net worth!
Total in assets: $407,214.02/Net worth: $399,776.79: March 6, 2024
Total in assets: $406,530.78/Net worth: $399,043.10: March 1, 2024

Total in assets: $404,868.06/Net worth: $393,617.74: February 17, 2024 - first time I ever hit 393k!

Total in assets: $404,016.51/Net worth: $392,766.19: February 15, 2024 - first time I ever hit 392k!

Total in assets: $401,516.67/Net worth: $390,264.22: February 12, 2024 - first time I ever hit 390k!

Total in assets: $401,713.44/Net worth: $389,317.63: January 29, 2024 - first time I ever hit 389k!

Total in assets: $400,412.81/Net worth: $388,017: January 28, 2024 - first time I ever hit 388k!

Total in assets: $399,833.32/Net worth: $387,437.51: January 25, 2024 - first time I ever hit 387k!

Total in assets: $396,039.93/Net worth: $382,559.57: January 8, 2024 - first time I ever hit 382k!
Total in assets: $393,167.74/Net worth: $379,670.38: January 5, 2024

2023

Total in assets: $406,622.25/Net worth: $380,929.15: December 29, 2023

Total in assets: $408,307.33/Net worth: $380,099.13: December 27, 2023

Total in assets: $406,167.92/Net worth: $380,273.66: December 14, 2023 

Total in assets: $402,432.82/Net worth: $376,538.56: December 13, 2023

Total in assets: $397,453.80/Net worth: $371,540.77: December 8, 2023

Total in assets: $395,604.93/Net worth: $368,453.87: December 1, 2023

Total in assets: $390,070.59/Net worth: $362,630.53: November 17, 2023
Total in assets: $381,814.54/Net worth: $354,269.04: November 3, 2023
Total in assets: $373,267.72/Net worth: $345,282.56: October 6, 2023

Total in assets: $393,849.39/Net worth: $367,685.60: August 11, 2023

Total in assets: $397,595.65/Net worth: $361,500.59: July 18, 2023

Total in assets: $416,472.91/Net worth: $370,235.74: May 6, 2023

Total in assets: $419,167.77/Net worth: $373,150.19: April 21, 2023 - first time I ever hit the 373k!

Total in assets: $416,945.17/Net worth: $370,829.18: April 13, 2023 - first time I am in the 370k!

Total in assets: $415,945.38/Net worth: $369,820.54: April 11, 2023

Total in assets: $413,311.52/Net worth: $366,524.01: February 13, 2023

Total in assets: $411,186.99/Net worth: $364,399.48: February 10, 2023

Total in assets: $408,656.95/Net worth: $361,844.12: February 7, 2023

Total in assets: $407,606.87/Net worth: $361,043.28: January 17, 2023

Total in assets: $405,708.89/Net worth: $359,060.31: January 16, 2023

Total in assets: $404,983.22/Net worth: $358,324.64: January 13, 2023

Total in assets: $403,429.72/Net worth: $356,771.14: January 12, 2023

Total in assets: $399,232.95/Net worth: $352,574.37: January 11, 2023

Total in assets: $396,629.76/Net worth $349,971.18: January 10, 2023

Total in assets: $395,568.27/Net worth $348,909.69: January 9, 2023
Total in assets: $393,444.59/Net worth $346,786.01: January 6, 2023

2022

Total in assets: $384,602.29/Net worth $337,875.65: December 30, 2022

Total in assets: $394,205.35/Net worth $347,621.02: November 25, 2022

Total in assets: $383,659.43/Net worth $337,227.95: November 11, 2022

Total in assets: $373,493.10/Net worth $327,061.62: November 4, 2022

Total in assets: $356,147.14/Net worth $309,920.82: October 11, 2022

Total in assets: $396,620.95/Net worth $350,590.82: August 14, 2022

Total in assets: $369,523.83/Net worth $323,815.43: June 24, 2022

Total in assets: $367,287.71/Net worth $321,579.31: June 20, 2022

Total in assets: $364,145.55/Net worth $318,437.15: June 18, 2022

Total in assets: $398,010.84/Net worth $352,164.94: June 2, 2022

Total in assets: $385,843.39/Net worth  May 20, 2022: $340,156.47

Total in assets: $407,547.23/Net worth $361,442.42: April 20, 2022 

Total in assets: $405,658.35/Net worth $358,941.11: March 29, 2022

Total in assets: $403,792.28/Net worth $357,075.04: March 25, 2022

Total in assets: $402,081.01/Net worth $355,363.77: March 22, 2022

Total in assets: $400,979.64/Net worth $354,262.40: March 21, 2022 - First time I ever hit on the $400,000 in total assets!

Total in assets: $398,652.13/Net worth $352,071.24: March 18, 2022 - First time I ever hit on the $350,000 in net worth value!

Total in assets: $396,355.91/Net worth $349,713.01: March 10, 2022

Total in assets: $393,037.13/Net worth: $347,573.53: March 4, 2022

Total in assets: $391,766.36/Net worth: $345,622.80: February 9, 2022

Total in assets: $382,726.19/Net worth: $341,862.36: February 2, 2022

Total in assets: $386,320.32/Net worth: $340,128.37: February 1st, 2022

2021

Total in assets: $385,979.66/Net worth: $339,434.39: December 31, 2021

Total in assets: $382,726.19/Net worth: $336,268.16: December 23, 2021

Total in assets: $388,421.37/Net worth: $340,312.77 - FIRST TIME I EVER REACHED A $340,000 NET WORTH!
November 8, 2021

Total in assets: $387,068.51/Net worth: $338,959.91: November 5, 2021

Total in assets: $384,785.92/Net worth: $336,781.52: October 20, 2021

Total in assets: $382,580.80/Net worth: $334,576.40: October 19, 2021

Total in assets: $379,263.95/Net worth: $330,680.17: October 14, 2021

Total in assets: $364,072.52/Net worth: $315,407.64: July 26, 2021
Total in assets: $358,867.59/Net worth: $311,858.22: June 15, 2021
Total in assets: $354,774.64/Net worth: $307,559.30: June 10, 2021
Total in assets: $348,042.77/Net worth: $300,799.45 - FIRST TIME I EVER REACHED 300k in net worth, on May 26, 2021
Total in assets: $346,583.88/Net worth: $298,486.93: May 20, 2021
Total in assets: $349,651.45/Net worth: $298,435.31: May 7, 2021
Total in assets: $347,002.53/Net worth: $297,614.64: April 16, 2021
Total in assets: $338,188.16/Net worth: $287,914.75: March 11, 2021
Total in assets: $333,970.92/Net worth: $283,675.99: March 9, 2021
Total in assets: $328,881.12/Net worth: $279,611.57: February 10, 2021
Total in assets: $326,670.02/Net worth: $278,758.37: February 8, 2021
Total in assets: $324,891.52/Net worth: $276,979.87: February 4, 2021
Total in assets: $322,236.52/Net worth: $274,318.36: February 3, 2021
Total in assets: $327,639.01/Net worth: $274,298.23: January 19, 2021
Total in assets: $316,192.85/Net worth: $268,180.14: January 7, 2021
Total in assets: $313,003.95/Net worth: $264,915.22: January 6, 2021
Total in assets: $310,587.36/Net worth: $262,498.63: January 5, 2021

2020
Total in assets: $310,392.38/Net worth: $259,661.24: December 31, 2020
Total in assets: $307,812.05/Net worth: $259,070.79: December 24, 2020
Total in assets: $306,444.25/Net worth: $258,948.73: December 4, 2020
Total in assets: $304,701.39/Net worth: $257,331.58: November 27, 2020
Total in assets: $300,956.84/Net worth: $253,587.03: November 24, 2020
Total in assets: $298,903.01/Net worth: $251,533.20: November 23, 2020
Total in assets: $296,643.60/Net worth: $249,158.71: November 20, 2020
Total in assets: $294,514.87/Net worth: $247,145.87: November 11, 2020
Total in assets: $291,172.40/Net worth: $243,802.59: November 10, 2020
Total in assets: $287 803.13/Net worth: $240 433.32: November 9, 2020
Total in assets: $277,872.92/Net worth: $226,678.26: August 5, 2020
Total in assets: $276,627.27/Net worth: $227,745.47: June 6, 2020
Total in assets: $263,304.63/Net worth: $211,395.63: April 29, 2020
Total in assets: $241 461,13/Net worth: $194 558,29: March 13, 2020
Total in assets: $282,640.61/Net worth: $235,284.72: February 21, 2020
Total in assets: $304,955.72/Net worth: $257,187.44: February 12, 2020
Total in assets: $296,200.07/Net worth: $250,595: January 16, 2020
Total in assets: $292,715.58/Net worth: $244,970.41: January 9, 2020

2019
Total in assets: $288,237.52/Net worth: $239,582.44: December 31, 2019
Total in assets: $278,823.27/Net worth: $230,902.04: September 17, 2019
Total in assets: $271,896.19/Net worth: 226,137.05: June 24, 2019
Total in assets: $269 950.21/Net worth: $222 942.87: April 5, 2019
Total in assets: $251 634.94/Net worth: $206 278.84: January 18, 2019
Total in assets: $238 656.07/Net worth: $191 009.83: January 4, 2019

2018
Total in assets: $270 679.86/Net worth: $204 306.57: November 16, 2018
Total in assets: $332 750.88/Net worth: $232 609.15: August 3, 2018
Total in assets: $331 413.83/Net worth: $232 280.40: June 20, 2018
Total in assets: $326 085.75/Net worth: $226 801.92: June 3, 2018
Total in assets: $322 479.23/Net worth: $222 850.15: May 4, 2018
Total in assets: $319 644.86/Net worth: $217 246.23: March 16, 2018

2017
Total in assets: $318 544.64/Net worth: $221 989.65: December 29, 2017
Net worth on the date of November 17, 2017: $211 430.89
Net worth on the date of October 27, 2017: $212 633.39
Net worth on the date of September 29, 2017: $206 352.49
Net worth on the date of April 24, 2017: $204 277.66
Net worth on the date of March 31, 2017: $200 325.69
Net worth on the date of March 29, 2017: $198 299.73
Net worth on the date of March 18, 2017: $193 969.21

2016
Net worth on the date of December 30, 2016: $184 074.35

Net worth after debt on the date of January 1, 2014:
$101 172.99 (yes, finally, IN NET WORTH!).

On the date of February 16, 2011, the TMX hit 14 000+ points, and I exceeded the 150k in assets! (Not net worth yet).

On September 9, 2010, I reached $100,000 in assets! (not in net worth yet).

On the date of August 5, 2009, I reached my investment goal: I reached $50 000 worth of assets! (NOW, net worth).

On the date of December 5, 2009, I had exceeded $60 000 in assets! (not in net worth yet).   

My investment portfolio on date of November 28, 2025

Savings: $5,680.84

Stocks and Units investment portfolio $CAN

Loblaw Companies (L)
WSP Global Inc. (WSP)
George Weston Limited (WN)
TMX Group Inc. (X)
Canadian National Railway Co (CNR)
Methanex Corporation (MX)
Power Corporation of Canada Subordinate Voting Shares (POW)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)
Fortis Inc. (FTS)
Savaria Corporation (SIS)
South Bow Corporation (SOBO)
Bank of Nova Scotia (The) (BNS)
TransCanada Corp (TRP)
K-Bro Linen Inc. (KBL)
Enbridge Inc. (ENB)
Royal Bank of Canada (RY)
National Bank of Canada (NA)
Canadian Imperial Bank Of Commerce (CM)
Pembina Pipeline Corporation (PPL)
Exchange Income Corporation (EIF)
Open Text Corporation (OTEX)
Paramount Resources Ltd. Class A Common Shares (POU)
Toronto-Dominion Bank (TD)
Whitecap Resources Inc. (WCP)
Brookfield Renewable Partners L.P. (BEP.UN)
Alaris Equity Partners Income Trust (AD.UN)
Granite Real Estate Investment Trust (GRT.UN)
Premium Brands Holdings Corporation (PBH)
Algoma Central Corporation (ALC)
Canadian Tire Corporation Limited Class A Non-Voting Shares (CTC.A)
Ninepoint Energy Income Fund ETF (NRGI)
Russel Metals Inc. (RUS)
CT Real Estate Investment Trust (CRT.UN)
iShares S&P/TSX Capped REIT Index (XRE)
Slate Grocery REIT (SGR.UN)
SmartCentres Real Estate Investment Trust (SRU.UN)
Canadian Natural Resources Limited (CNQ)
New Flyer Industries Inc. (NFI)
Ag Growth International Inc. (AFN)
Caribbean Utilities Company Ltd. Class A Ordinary Shares (CUP.U)
Telus Corp (T)
TOTAL: $165,647.49

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B)
Vanguard Russell 1000 Growth Index Fund (VONG)
Nu Holdings Ltd. (NU)
CSX Corporation (CSX)
General Mills Inc. (GIS)
Brookfield Infrastructure Corporation (BIPC)
Pfizer Inc. (PFE)
TOTAL: $6,058.64 US: $8,547.53 CAN

Tax-free savings account (TFSA):
WSP Global Inc. (WSP)
Toromont Industries Ltd (TIH)
Brookfield Renewable Energy Partners L.P. (BEP.UN)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)
Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)
Kraken Robotics Inc. (PNG)
Brookfield Corporation Class A Limited Voting Shares (BN)
Royal Bank of Canada (RY)
TMX Group Limited (X)
Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)
Canadian Imperial Bank Of Commerce (CM)
Suncor Energy Inc. (SU)
Toronto-Dominion Bank (TD)
Finning International Inc. (FTT)
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)
Power Corporation of Canada Subordinate Voting Shares (POW)
Exchange Income Corporation (EIF)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Chemtrade Logistics Income Fund (CHE.UN)
Alimentation Couche-Tard Inc. (ATD)
Total Energy Services Inc. (TOT)
Calian Group Ltd. (CGY)
Metro Inc. (MRU)
National Bank of Canada (NA)
Amerigo Resources Ltd. (ARG)
Aecon Group Inc. (ARE)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
Emera Inc. (EMA)
Granite Real Estate Investment Trust (GRT.UN)
Bank of Nova Scotia (BNS)
Alaris Equity Partners Income Trust (AD.UN)
North West Company Inc. (The) (NWC)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Canadian Utilities Limited (CU)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Pembina Pipeline Corporation (PPL)
Diversified Royalty Corp. (DIV)
Nutrien Ltd. (NTR)
Fortis Inc. (FTS)
CGI Inc. (GIB.A)
Boston Pizza Royalties Income Fund (BPF.UN)
ATCO Ltd. (ACO.Y)
Boralex Inc. Class A Shares (BLX)
Saputo Inc. (SAP)
3iQ CoinShares Ether ETF (ETHQ)
Algoma Central Corporation (ALC)
Plaza Retail REIT (PLZ.UN)
Goodfellow Inc. (GDL)
Whitecap Resources Inc. (WCP)
Slate Grocery REIT (SGR.UN)
Westshore Terminals Investment Corporation (WTE)
Guardian Capital Group Limited (GCG)
Boyd Group Services Inc. (BYD)
Cargojet Inc. (CJT)
Canadian Net Real Estate Investment Trus (NET.UN)
Rogers Communications Inc. (RCI.B)
Wajax Corporation (WJX)
SIR Royalty Income Fund (SRV.UN)
Ninepoint Energy Income Fund ETF (NRGI)
A&W Food Services of Canada Inc. (AW)
Telus Corp (T)
Parex Resources Inc. (PXT)
Labrador Iron Ore Royalty Corporation (LIF)
Andrew Peller Limited (ADW.A)
Algonquin Power & Utilities Corp. (AQN)
European Residential Real Estate Investment Trust (ERE.UN)
Verde Agritech Plc Ordinary Shares (NPK)
Wescan Energy Corp. (WCE)
Tilray Inc (TLRY)
Data Communications Mgmt (DCM)
DNI Metals Inc. (DMNKF)
TOTAL: $152,725.64

RSP investment portfolio:
Thomson Reuters Corporation (TRI)
Savaria Corporation (SIS)
Brookfield Renewable Partners L.P. (BEP.UN)
Royal Bank of Canada (RY)
Toromont Industries Ltd (TIH)
Sprott Physical Gold Trust (PHYS)
Emera Incorporated (EMA)

Finning International Inc. (FTT)
Toronto-Dominion Bank (TD)

iA Financial Corporation Inc. (IAG)

Leon's Furniture Limited (LNF)
CAE Inc. (CAE)

Quebecor Inc. (QBR.B)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

National Bank of Canada (NA)

Canadian Imperial Bank Of Commerce (CM)

Bird Construction Inc. (BDT)

Capital Power Corporation (CPX)

Exchange Income Corporation (EIF)
Richards Packaging Income Fund (RPI.UN)

Power Corporation of Canada Subordinate Voting Shares (POW)

Stantec Inc. (STN)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Information Services Corporation Class A Limited Voting Shares (ISC)

TMX Group Limited (X)

Ivanhoe Mines Ltd. (IVN)

Suncor Energy Inc. (SU)
Alaris Equity Partners Income Trust (AD.UN)
Urbana Corp (URB)
TWC Enterprises Limited (TWC)

Hamilton Enhanced U.S. Covered Call ETF (HYLD)

Taiga Building Products Ltd. (TBL)

North West Company Inc. (The) (NWC)

MEG Energy Corp. (MEG)

Bank of Nova Scotia (BNS)

Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)

Boralex Inc. Class A Shares (BLX)

Vitreous Glass Inc. (VCI)

ARC Resources Ltd. (ARX)
Loblaw Companies Limited (L)
Topaz Energy Corp. (TPZ)
Olympia Financial Group Inc. (OLY)
George Weston Limited (WN)
Calian Group Ltd. (CGY)

Manulife Financial Corporation (MFC)

Algoma Central Corporation (ALC)

Morguard North American Residential Real Estate Investment Trust (MRG.UN)

Canadian Natural Resources Limited (CNQ)

Wajax Corporation (WJX)

Pembina Pipeline Corporation (PPL)
JFT Strategies Fund Class A Units (JFS.UN)

Keyera Corp. (KEY)
Guardian Capital Group Limited (GCG)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Russel Metals Inc. (RUS)

Maple Leaf Foods Inc. (MFI)
Rogers Communications Inc. Class B Non-voting Shares (RCI.B)

Whitecap Resources Inc. (WCP)

Canadian National Railway Company (CNR)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)

ADENTRA Inc. (ADEN)

Alimentation Couche-Tard Inc. (ATD)

Open Text Corporation (OTEX)
Parkland Corporation (PKI)

Nutrien Ltd. (NTR)

Metro Inc. (MRU)

Ninepoint Energy Income Fund ETF (NRGI)

Pender Growth Fund Inc. (PTF)

Goodfellow Inc. (GDL)
Valeura Energy Inc. (VLE)
ATS Corporation (ATS)
Dynacor Group Inc. (DNG)

Parex Resources Inc. (PXT)

Ag Growth International Inc. (AFN)

Cascades Inc. (CAS)
Ovintiv Inc. (OVV)

Interfor Corporation (IFP)
Wescan Energy Corp. (WCE)
AirBoss of America Corp. (BOS)
Total: $97,325.84 

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $4,558.71

Others: $1,159.90

NBI Income Fund: $1,382.84

Manulife Fidelity NorthStar GIF CAP
Manulife Simplicity Growth Portfolio
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest
Total: $11,746.05

Other various: $71,154.94

TOTAL: $187,328.28

Social Capital at Desjardins Membership share: $35
Online money: $41
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

TOTAL: $520,005.78
On date of November 28, 2025

Welcoming a TSX at 31,000 points for the first time ever!

Today was a special day: the TSX closed above 31,000 points for the very first time. It ended today’s session at 31,180.25 points. To mark the occasion, I published an update of my investment portfolio. My net worth is currently sitting at $516,742.75.

My investment portfolio on date of November 26, 2025

Savings: $4,123.14

Stocks and Units investment portfolio $CAN
Loblaw Companies (L)
WSP Global Inc. (WSP)
George Weston Limited (WN)
TMX Group Inc. (X)
Canadian National Railway Co (CNR)
Methanex Corporation (MX)
Power Corporation of Canada Subordinate Voting Shares (POW)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)
Fortis Inc. (FTS)
Savaria Corporation (SIS)
South Bow Corporation (SOBO)
Bank of Nova Scotia (The) (BNS)
TransCanada Corp (TRP)
K-Bro Linen Inc. (KBL)
Enbridge Inc. (ENB)
Royal Bank of Canada (RY)
National Bank of Canada (NA)
Canadian Imperial Bank Of Commerce (CM)
Pembina Pipeline Corporation (PPL)
Exchange Income Corporation (EIF)
Open Text Corporation (OTEX)
Paramount Resources Ltd. Class A Common Shares (POU)
Toronto-Dominion Bank (TD)
Whitecap Resources Inc. (WCP)
Brookfield Renewable Partners L.P. (BEP.UN)
Alaris Equity Partners Income Trust (AD.UN)
Granite Real Estate Investment Trust (GRT.UN)
Premium Brands Holdings Corporation (PBH)
Algoma Central Corporation (ALC)
Canadian Tire Corporation Limited Class A Non-Voting Shares (CTC.A)
Ninepoint Energy Income Fund ETF (NRGI)
Russel Metals Inc. (RUS)
CT Real Estate Investment Trust (CRT.UN)
iShares S&P/TSX Capped REIT Index (XRE)
Slate Grocery REIT (SGR.UN)
SmartCentres Real Estate Investment Trust (SRU.UN)
Canadian Natural Resources Limited (CNQ)
New Flyer Industries Inc. (NFI)
Ag Growth International Inc. (AFN)
Caribbean Utilities Company Ltd. Class A Ordinary Shares (CUP.U)
Telus Corp (T)
TOTAL: $164,825.64

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B)
Vanguard Russell 1000 Growth Index Fund (VONG)
Nu Holdings Ltd. (NU)
CSX Corporation (CSX)
General Mills Inc. (GIS)
Brookfield Infrastructure Corporation (BIPC)
Pfizer Inc. (PFE)
TOTAL: $6,031.28 US, $8,467.92 CAN

Tax-free savings account (TFSA):
WSP Global Inc. (WSP)
Toromont Industries Ltd (TIH)
Brookfield Renewable Energy Partners L.P. (BEP.UN)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)
Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)
Kraken Robotics Inc. (PNG)
Brookfield Corporation Class A Limited Voting Shares (BN)
Royal Bank of Canada (RY)
TMX Group Limited (X)
Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)
Canadian Imperial Bank Of Commerce (CM)
Suncor Energy Inc. (SU)
Toronto-Dominion Bank (TD)
Finning International Inc. (FTT)
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)
Power Corporation of Canada Subordinate Voting Shares (POW)
Exchange Income Corporation (EIF)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Chemtrade Logistics Income Fund (CHE.UN)
Alimentation Couche-Tard Inc. (ATD)
Total Energy Services Inc. (TOT)
Calian Group Ltd. (CGY)
Metro Inc. (MRU)
National Bank of Canada (NA)
Amerigo Resources Ltd. (ARG)
Aecon Group Inc. (ARE)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
Emera Inc. (EMA)
Granite Real Estate Investment Trust (GRT.UN)
Bank of Nova Scotia (BNS)
Alaris Equity Partners Income Trust (AD.UN)
North West Company Inc. (The) (NWC)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Canadian Utilities Limited (CU)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Pembina Pipeline Corporation (PPL)
Diversified Royalty Corp. (DIV)
Nutrien Ltd. (NTR)
Fortis Inc. (FTS)
CGI Inc. (GIB.A)
Boston Pizza Royalties Income Fund (BPF.UN)
ATCO Ltd. (ACO.Y)
Boralex Inc. Class A Shares (BLX)
Saputo Inc. (SAP)
3iQ CoinShares Ether ETF (ETHQ)
Algoma Central Corporation (ALC)
Plaza Retail REIT (PLZ.UN)
Goodfellow Inc. (GDL)
Whitecap Resources Inc. (WCP)
Slate Grocery REIT (SGR.UN)
Westshore Terminals Investment Corporation (WTE)
Guardian Capital Group Limited (GCG)
Boyd Group Services Inc. (BYD)
Cargojet Inc. (CJT)
Canadian Net Real Estate Investment Trus (NET.UN)
Rogers Communications Inc. (RCI.B)
Wajax Corporation (WJX)
SIR Royalty Income Fund (SRV.UN)
Ninepoint Energy Income Fund ETF (NRGI)
A&W Food Services of Canada Inc. (AW)
Telus Corp (T)
Parex Resources Inc. (PXT)
Labrador Iron Ore Royalty Corporation (LIF)
Andrew Peller Limited (ADW.A)
Algonquin Power & Utilities Corp. (AQN)
European Residential Real Estate Investment Trust (ERE.UN)
Verde Agritech Plc Ordinary Shares (NPK)
Wescan Energy Corp. (WCE)
Tilray Inc (TLRY)
Data Communications Mgmt (DCM)
DNI Metals Inc. (DMNKF)
TOTAL: $152,391.45

RSP investment portfolio:
Thomson Reuters Corporation (TRI)
Savaria Corporation (SIS)
Brookfield Renewable Partners L.P. (BEP.UN)
Royal Bank of Canada (RY)
Toromont Industries Ltd (TIH)
Sprott Physical Gold Trust (PHYS)
Emera Incorporated (EMA)

Finning International Inc. (FTT)
Toronto-Dominion Bank (TD)

iA Financial Corporation Inc. (IAG)

Leon's Furniture Limited (LNF)
CAE Inc. (CAE)

Quebecor Inc. (QBR.B)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

National Bank of Canada (NA)

Canadian Imperial Bank Of Commerce (CM)

Bird Construction Inc. (BDT)

Capital Power Corporation (CPX)

Exchange Income Corporation (EIF)
Richards Packaging Income Fund (RPI.UN)

Power Corporation of Canada Subordinate Voting Shares (POW)

Stantec Inc. (STN)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Information Services Corporation Class A Limited Voting Shares (ISC)

TMX Group Limited (X)

Ivanhoe Mines Ltd. (IVN)

Suncor Energy Inc. (SU)
Alaris Equity Partners Income Trust (AD.UN)
Urbana Corp (URB)
TWC Enterprises Limited (TWC)

Hamilton Enhanced U.S. Covered Call ETF (HYLD)

Taiga Building Products Ltd. (TBL)

North West Company Inc. (The) (NWC)

MEG Energy Corp. (MEG)

Bank of Nova Scotia (BNS)

Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)

Boralex Inc. Class A Shares (BLX)

Vitreous Glass Inc. (VCI)

ARC Resources Ltd. (ARX)
Loblaw Companies Limited (L)
Topaz Energy Corp. (TPZ)
Olympia Financial Group Inc. (OLY)
George Weston Limited (WN)
Calian Group Ltd. (CGY)

Manulife Financial Corporation (MFC)

Algoma Central Corporation (ALC)

Morguard North American Residential Real Estate Investment Trust (MRG.UN)

Canadian Natural Resources Limited (CNQ)

Wajax Corporation (WJX)

Pembina Pipeline Corporation (PPL)
JFT Strategies Fund Class A Units (JFS.UN)

Keyera Corp. (KEY)
Guardian Capital Group Limited (GCG)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Russel Metals Inc. (RUS)

Maple Leaf Foods Inc. (MFI)
Rogers Communications Inc. Class B Non-voting Shares (RCI.B)

Whitecap Resources Inc. (WCP)

Canadian National Railway Company (CNR)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)

ADENTRA Inc. (ADEN)

Alimentation Couche-Tard Inc. (ATD)

Open Text Corporation (OTEX)
Parkland Corporation (PKI)

Nutrien Ltd. (NTR)

Metro Inc. (MRU)

Ninepoint Energy Income Fund ETF (NRGI)

Pender Growth Fund Inc. (PTF)

Goodfellow Inc. (GDL)
Valeura Energy Inc. (VLE)
ATS Corporation (ATS)
Dynacor Group Inc. (DNG)

Parex Resources Inc. (PXT)

Ag Growth International Inc. (AFN)

Cascades Inc. (CAS)
Ovintiv Inc. (OVV)

Interfor Corporation (IFP)
Wescan Energy Corp. (WCE)
AirBoss of America Corp. (BOS)
Total: $97,410.18   

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $4,519.48

Others: $1,159.90

NBI Income Fund: $1,379.98

Manulife Fidelity NorthStar GIF CAP
Manulife Simplicity Growth Portfolio
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest
Total: $11,674.63

Other various: $70,714.43

TOTAL: 186,858.60

Social Capital at Desjardins Membership share: $35
Online money: $41
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

TOTAL: $516,742.75
On date of November 26, 2025

A new investment idea for my RRSP portfolio: Hamilton Gold Producer YIELD MAXIMIZER™ ETF (AMAX) - Part 2

You know, a good idea is a good idea until it isn’t anymore.

In the previous post, I explained what I planned to do once the shares I hold in Guardian Capital Group Limited (GCG) no longer trade on the TSX, which will happen sometime in 2026, probably fairly soon. I wanted to have a plan ready for when the money comes in – and we are talking about a good sum of money here, several thousand dollars, actually closer to $10,000 than $5,000. So you can see why I am trying so hard to come up with a very good plan. When I posted my idea for that money, I thought I had a very good plan, but after thinking about it again, I now believe that investing in Hamilton Gold Producer YIELD MAXIMIZER™ ETF (AMAX) might not be the key to all my problems.

AMAX has been trading on the TSX only since 2024, so it doesn’t have a lot of history behind it. AMAX’s overall chart looks very good – but that’s only based on a couple of months, during which gold delivered extremely strong returns. Gold investments are volatile, like any investment. For now, gold is trading near its highs. Such good results cannot last forever. That being said, I do think gold is a good investment for the long term. The only question is whether AMAX is a good investment for the long term and whether its distribution is sustainable over the long run. At 6.782%, AMAX’s yield is high, but it’s not outrageously high. Still, it’s not exactly a conservative dividend either. The fact is, AMAX charmed me because that pick would allow me to exceed $1,000 in monthly dividend income from my TFSA and non-registered portfolios.

When it comes to investing, dividends have always been important, but not as important as the quality of the assets I hold. Dividends came as a little extra. But now, at the equivalent of $971.51 per month, the dividend income coming from my TFSA, non-registered, and, not to forget, my U.S. dollar portfolio is actually going somewhere. And now that the $1,000 mark is so close, wouldn’t it be so much fun to actually be in the 1k?

At this point in my journey, I should know what to do with my money. I am trying very hard, but sometimes, like now, I simply have no idea. I sincerely think that my reaction, and the fact that I cannot decide where to park my money, is actually quite normal and honest. We are living in very particular times. The TSX closed today’s session at a splendid 30,900.65 points, +296.35, +0.97%. The TSX is trading near its highest level ever. We are so close to 31,000 points that it’s just not making any sense at all.

Basically, this post was meant to be just an "oh wait", maybe Hamilton Gold Producer YIELD MAXIMIZER™ ETF (AMAX) is not where I should park several thousand dollars after all… Sorry! Or not.

A new investment idea for my RRSP portfolio: Hamilton Gold Producer YIELD MAXIMIZER™ ETF (AMAX)

This summer, on our way back from a family vacation in Cap-Pelé, we stopped by the Magnetic Hill Zoo in Moncton. We had the perfect day. It wasn’t too hot, and the sun was nowhere to be seen. We wouldn’t have gone to the zoo if it had been a hot, sunny day. Among the lovely animals we saw were Azizi the lion and the female lion Amara, who were definitely the stars of the zoo. Sadly, it was announced today that Azizi has passed away. He was 18 years old and spent most of his life at Moncton’s Magnetic Hill Zoo.

These are the pictures I took of Azizi and Amara during my visit. They were pretty much asleep the whole time. I don’t know if it’s a good idea to keep animals in captivity in cages just for our entertainment. I still enjoyed my visit to the Magnetic Hill Zoo, though. I hadn’t visited a zoo in a very long time.

Following the sale of my Telus Corp (T) shares inside my RRSP portfolio, I was left with a couple of thousand dollars in cash, patiently waiting to be invested somewhere else. I actually have a few ideas, but for one reason or another, it’s difficult to come up with investment ideas for my RRSP, especially knowing that soon enough I’ll have a few thousand more to invest by the end of the year. It’s not a process that I enjoy, as I almost find it a waste of money since RRSP funds can only be touched much later in life. So I don’t know yet what I’ll be investing in for my RRSP, but I did come up with a great idea for my TFSA portfolio for when Guardian Capital Group Limited (GCG) will no longer be trading on the TSX and I’m left with several thousand dollars just waiting to be invested.

So here’s the plan I’ve been working on, focusing a bit too much on the dividend income, making it almost feel like it’s my top priority. Currently, my monthly dividend income is a little bit down, at $971. What I like about my plan is that I’ll be able to exceed the equivalent of $1,000 in dividend income per month. I’ve been dancing around the $1,000 mark for a little while now without actually being there.

It hasn’t been easy to come up with this idea, but basically, I started by looking for options among what I already hold in my portfolio. I’m already pretty packed with PPL and ENB. The energy sector has great dividend payers. I just had no idea where to park my money. Then I looked at my Hamilton Enhanced U.S. Covered Call ETF (HYLD) shares.

When I first invested in HYLD, I was quite skeptical. The price per unit was low, and the ETF was paying a very high distribution. Normally, I wouldn’t have invested in it, but I did because it offered me a bit of exposure to the U.S. market, which wouldn’t hurt in my opinion since most of my assets are concentrated on the good Canadian side. So I finally invested in Hamilton Enhanced U.S. Covered Call ETF (HYLD) in both my RRSP and TFSA portfolios. I’ve been enjoying their monthly distributions, but that’s not all. I’ve also been enjoying some capital gains: +18% in my RRSP portfolio, and +40% for the HYLD shares I hold inside my TFSA portfolio.

For those reasons, I’ve been looking into more Hamilton ETF options. I actually went through each of their funds, and this is how I found the investment that will soon replace my Guardian Capital Group Limited (GCG) shares inside my TFSA portfolio. That new investment is the Hamilton Gold Producer YIELD MAXIMIZER™ ETF (AMAX). Once GCG disappears from the TSX, I plan to reinvest the money in AMAX. That’s the plan for now. My plan could eventually change. AMAX’s yield is 7.232%, and distributions are paid monthly. I already have exposure to gold with Sprott Physical Gold Trust (PHYS) inside my RRSP, but I can handle a little bit more gold inside my investment portfolio. PHYS doesn’t pay any dividend, so AMAX will add income to that gold exposure.

A Big Thank You and Goodbye to Northland Power Inc. (NPI)

Today, I woke up and decided to sell my shares of Northland Power Inc. (NPI) that I was holding in my TFSA portfolio. I wasn’t holding much NPI anyway. I own so many stocks in my investment portfolio that dumping one or two names I don’t like anymore won’t hurt me, especially if those stocks are poor performers. One reason I went ahead and sold my NPI shares was to free up some easy cash to invest inside my RRSP portfolio. I lost around $100 on my NPI investment, but I’ll get that money back on my tax return—and even more—so I am not mad.

Today, a stock that I hold in my non-registered, TFSA, and RRSP portfolios has been in the spotlight: Telus Corp (T). I couldn’t care less about the opinion of a U.S. firm on my beloved Canadian stocks, but I have to admit that what “the firm,” not to name them, said about Telus resonated with me. Telus could eventually face problems paying its high dividend. Not too long ago, BCE Inc. (BCE) faced the exact same scenario. It seems that the Canadian telecommunication sector is taking a hit, and that’s the case for BCE, Telus, as well as Rogers Communications. One exception to the rule is Quebecor Inc., which appears to be doing better than the others. I hold some Quebecor Inc. (QBR.B) shares inside my RRSP portfolio.

Over the past 52 weeks, Telus’ stock price has ranged from $23.29 to $18.95. Telus closed today’s session at $19 per share. It seems like there’s no room right now for Telus to experience rational growth. Don’t expect Telus to hit $25 per share anytime soon—it’s not going to happen. One major problem Telus shareholders are facing is that if Telus cuts its dividend, the stock could eventually lose value, and that wouldn’t be ideal. For that reason, I decided to sell the Telus shares I was holding inside my RRSP portfolio. Fortunately, in my RRSP, I was still sitting on a small gain with Telus, since it’s a stock I’ve held there for a really long time. In both my TFSA and non-registered portfolio, I am currently facing a small loss on my Telus investment. It’s never fun, but since I am already holding Telus in my TFSA and non-registered portfolios, selling the shares I had in my RRSP for a small gain seemed like the right thing to do.

After Two Great Years, Can 2026 Push My Net Worth to $550,000?

My stock portfolio lost around $1,500 today, a totally normal reaction to the market. The TSX closed today’s session at 30,076.21 points, down 250.25 points or -0.83%. My net worth is probably around $517,000 right now. Still strong. In 2025, it was the first time I reached the 500k mark. Over the past two years, my stock portfolio has gained close to $140,000. I had two excellent years. Can 2026 be just as good and lead me to at least a $550,000 net worth?

I wouldn’t be surprised if the upcoming months turn out to be more difficult. My net worth could go back down into the 400k range. I am getting mentally ready for such a scenario. However, under no circumstances am I wishing for a stock market crash or a heavy correction to arrive anytime soon. Yes, stocks would become cheaper, but it would break my heart to see my valuable net worth fall back below the 500k mark. I have experienced some difficult years. For example, in 2022, I started the year with a net worth of $340,128.37 and closed it on a lower note at $337,875.65. Similar scenarios could happen again and, when they do, trust me, it’s no fun.

Time is passing by quite quickly. In less than two months from now, we’ll be celebrating the New Year. Not that I am ready to jump into a new year, but I am never really ready anyway. This is the time of year when I try to figure out how much extra I should contribute to my RRSP. Money being tight these days, I was thinking about proceeding with a contribution in kind with the New Flyer Industries Inc. (NFI) shares that I hold inside my non-registered portfolio and having them transferred over to my RRSP stock portfolio. By doing so, I would only have something like $2,000 to contribute out of pocket, and I would hopefully get a $2,000 tax return.

Last year, I contributed a whopping $15,000 to my RRSP and received a tax refund of about $4,200. Unless you hold a lot of cash, already have a solid emergency fund, and already have a good amount invested in your TFSA, I don’t think it’s really worth it to make large RRSP contributions, unless you are in an extremely privileged financial situation. Things are going quite well for me with that 500k+ net worth of mine, but I currently have less than $4,000 in savings, which means I basically have next to nothing in what you may define as an emergency fund. Earlier this year I had a bit more in savings, but I spent the money on summer vacations and other extravagances.

Over the past few weeks, many great Canadian stocks that I hold in my investment portfolio have increased their dividends, including Granite REIT (GRT.UN), Suncor Energy (SU), Fortis Inc. (FTS), Exchange Income Corp. (EIF), and CGI Inc. (GIB.A). Sometimes it just adds a few dollars to my dividend income, but it always helps. Currently, my dividend income coming from my non-registered, US, and TFSA portfolios is now equivalent to $973 per month. I am only $313 away from reaching the equivalent of $1,000 per month. And even then, it wouldn’t be an amount that clearly shows up in my pockets because I am on a DRIP for my biggest holdings. I don’t actually receive the equivalent of $973 per month in cash from my dividends. However, it’s almost as if I did. I’ve been dancing around that 1k mark for a little while. I’ll probably get there in maybe two years from now, even if I don’t invest any new money.

Most of my stocks usually announce dividend increases, but from time to time, because I hold so many stocks in my investment portfolio—one of my precious stocks announces a dividend decrease. Unfortunately, that has recently been the case with Northland Power Inc. (NPI).

My investment portfolio on date of November 12, 2025

Savings: $3,740.91

Stocks and Units investment portfolio $CAN
Loblaw Companies (L)
WSP Global Inc. (WSP)
George Weston Limited (WN)
TMX Group Inc. (X)
Canadian National Railway Co (CNR)
Methanex Corporation (MX)
Power Corporation of Canada Subordinate Voting Shares (POW)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)
Fortis Inc. (FTS)
Savaria Corporation (SIS)
South Bow Corporation (SOBO)
Bank of Nova Scotia (The) (BNS)
TransCanada Corp (TRP)
K-Bro Linen Inc. (KBL)
Enbridge Inc. (ENB)
Royal Bank of Canada (RY)
National Bank of Canada (NA)
Canadian Imperial Bank Of Commerce (CM)
Pembina Pipeline Corporation (PPL)
Exchange Income Corporation (EIF)
Open Text Corporation (OTEX)
Paramount Resources Ltd. Class A Common Shares (POU)
Toronto-Dominion Bank (TD)
Whitecap Resources Inc. (WCP)
Brookfield Renewable Partners L.P. (BEP.UN)
Alaris Equity Partners Income Trust (AD.UN)
Granite Real Estate Investment Trust (GRT.UN)
Premium Brands Holdings Corporation (PBH)
Algoma Central Corporation (ALC)
Canadian Tire Corporation Limited Class A Non-Voting Shares (CTC.A)
Ninepoint Energy Income Fund ETF (NRGI)
Russel Metals Inc. (RUS)
CT Real Estate Investment Trust (CRT.UN)
iShares S&P/TSX Capped REIT Index (XRE)
Slate Grocery REIT (SGR.UN)
SmartCentres Real Estate Investment Trust (SRU.UN)
Canadian Natural Resources Limited (CNQ)
New Flyer Industries Inc. (NFI)
Ag Growth International Inc. (AFN)
Caribbean Utilities Company Ltd. Class A Ordinary Shares (CUP.U)
Telus Corp (T)
TOTAL: $167,218.72

Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B)
Vanguard Russell 1000 Growth Index Fund (VONG)
Nu Holdings Ltd. (NU)
CSX Corporation (CSX)
General Mills Inc. (GIS)
Brookfield Infrastructure Corporation (BIPC)
Pfizer Inc. (PFE)
TOTAL: $5,939.96 US: $8,387.22 CAD

Tax-free savings account (TFSA):
WSP Global Inc. (WSP)
Toromont Industries Ltd (TIH)
Brookfield Renewable Energy Partners L.P. (BEP.UN)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)
Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)
Kraken Robotics Inc. (PNG)
Brookfield Corporation Class A Limited Voting Shares (BN)
Royal Bank of Canada (RY)
TMX Group Limited (X)
Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)
Canadian Imperial Bank Of Commerce (CM)
Suncor Energy Inc. (SU)
Toronto-Dominion Bank (TD)
Finning International Inc. (FTT)
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)
Power Corporation of Canada Subordinate Voting Shares (POW)
Exchange Income Corporation (EIF)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Chemtrade Logistics Income Fund (CHE.UN)
Alimentation Couche-Tard Inc. (ATD)
Total Energy Services Inc. (TOT)
Calian Group Ltd. (CGY)
Metro Inc. (MRU)
National Bank of Canada (NA)
Amerigo Resources Ltd. (ARG)
Aecon Group Inc. (ARE)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
Emera Inc. (EMA)
Granite Real Estate Investment Trust (GRT.UN)
Bank of Nova Scotia (BNS)
Alaris Equity Partners Income Trust (AD.UN)
North West Company Inc. (The) (NWC)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Canadian Utilities Limited (CU)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Pembina Pipeline Corporation (PPL)
Diversified Royalty Corp. (DIV)
Nutrien Ltd. (NTR)
Fortis Inc. (FTS)
CGI Inc. (GIB.A)
Boston Pizza Royalties Income Fund (BPF.UN)
ATCO Ltd. (ACO.Y)
Boralex Inc. Class A Shares (BLX)
Saputo Inc. (SAP)
3iQ CoinShares Ether ETF (ETHQ)
Algoma Central Corporation (ALC)
Plaza Retail REIT (PLZ.UN)
Goodfellow Inc. (GDL)
Whitecap Resources Inc. (WCP)
Northland Power Inc. (NPI)
Slate Grocery REIT (SGR.UN)
Westshore Terminals Investment Corporation (WTE)
Guardian Capital Group Limited (GCG)
Boyd Group Services Inc. (BYD)
Cargojet Inc. (CJT)
Canadian Net Real Estate Investment Trus (NET.UN)
Rogers Communications Inc. (RCI.B)
Wajax Corporation (WJX)
SIR Royalty Income Fund (SRV.UN)
Ninepoint Energy Income Fund ETF (NRGI)
A&W Food Services of Canada Inc. (AW)
Telus Corp (T)
Parex Resources Inc. (PXT)
Labrador Iron Ore Royalty Corporation (LIF)
Andrew Peller Limited (ADW.A)
Algonquin Power & Utilities Corp. (AQN)
European Residential Real Estate Investment Trust (ERE.UN)
Verde Agritech Plc Ordinary Shares (NPK)
Wescan Energy Corp. (WCE)
Tilray Inc (TLRY)
Data Communications Mgmt (DCM)
DNI Metals Inc. (DMNKF)
TOTAL: $153,143.08

RSP investment portfolio:
Thomson Reuters Corporation (TRI)
Savaria Corporation (SIS)
Brookfield Renewable Partners L.P. (BEP.UN)
Royal Bank of Canada (RY)
Toromont Industries Ltd (TIH)
Sprott Physical Gold Trust (PHYS)
Emera Incorporated (EMA)

Finning International Inc. (FTT)
Toronto-Dominion Bank (TD)

iA Financial Corporation Inc. (IAG)

Leon's Furniture Limited (LNF)
CAE Inc. (CAE)

Quebecor Inc. (QBR.B)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)

National Bank of Canada (NA)

Canadian Imperial Bank Of Commerce (CM)

Bird Construction Inc. (BDT)

Capital Power Corporation (CPX)

Exchange Income Corporation (EIF)
Richards Packaging Income Fund (RPI.UN)

Power Corporation of Canada Subordinate Voting Shares (POW)

Stantec Inc. (STN)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Information Services Corporation Class A Limited Voting Shares (ISC)

TMX Group Limited (X)

Ivanhoe Mines Ltd. (IVN)

Suncor Energy Inc. (SU)
Alaris Equity Partners Income Trust (AD.UN)
Urbana Corp (URB)
TWC Enterprises Limited (TWC)

Hamilton Enhanced U.S. Covered Call ETF (HYLD)

Taiga Building Products Ltd. (TBL)

North West Company Inc. (The) (NWC)

MEG Energy Corp. (MEG)

Bank of Nova Scotia (BNS)

Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)

Boralex Inc. Class A Shares (BLX)

Vitreous Glass Inc. (VCI)

ARC Resources Ltd. (ARX)
Loblaw Companies Limited (L)
Topaz Energy Corp. (TPZ)
Telus Corp (T)
Olympia Financial Group Inc. (OLY)
George Weston Limited (WN)
Calian Group Ltd. (CGY)

Manulife Financial Corporation (MFC)

Algoma Central Corporation (ALC)

Morguard North American Residential Real Estate Investment Trust (MRG.UN)

Canadian Natural Resources Limited (CNQ)

Wajax Corporation (WJX)

Pembina Pipeline Corporation (PPL)
JFT Strategies Fund Class A Units (JFS.UN)

Keyera Corp. (KEY)
Guardian Capital Group Limited (GCG)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Russel Metals Inc. (RUS)

Maple Leaf Foods Inc. (MFI)
Rogers Communications Inc. Class B Non-voting Shares (RCI.B)

Whitecap Resources Inc. (WCP)

Canadian National Railway Company (CNR)

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM)

ADENTRA Inc. (ADEN)

Alimentation Couche-Tard Inc. (ATD)

Open Text Corporation (OTEX)
Parkland Corporation (PKI)

Nutrien Ltd. (NTR)

Metro Inc. (MRU)

Ninepoint Energy Income Fund ETF (NRGI)

Pender Growth Fund Inc. (PTF)

Goodfellow Inc. (GDL)
Valeura Energy Inc. (VLE)
ATS Corporation (ATS)
Dynacor Group Inc. (DNG)

Parex Resources Inc. (PXT)

Ag Growth International Inc. (AFN)

Cascades Inc. (CAS)
Ovintiv Inc. (OVV)

Interfor Corporation (IFP)
Wescan Energy Corp. (WCE)
AirBoss of America Corp. (BOS)
Total: $96,933.71

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $4,494.21

Others: $1,159.90

NBI Income Fund: $1,376.82

Manulife Fidelity NorthStar GIF CAP
Manulife Simplicity Growth Portfolio
Maritime Life CI Harbour Seg Fund
Maritime Life Fidelity True North Seg Fund
Manulife GIF MLIA B World Invest
Total: $11,674.63

Other various: $70,773.32

TOTAL: $186,412.59

Social Capital at Desjardins Membership share: $35
Online money: $41
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

TOTAL: $518,978.52
On date of November 12, 2025