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Saturday, January 1, 2011

My 2010 trading year in review


 





I am very lucky not to wake up with the flue because it was raining for New Year Eve in Montreal and I didn't have an umbrella. But who will carry an umbrella in January anyway? Some did, but they must had take a look at the weather forecast - something I barely ever do. You'll find in here some pictures I took from my iPod on New Year Eve. I was in Montreal in the Old Port.

Another year had come to an end. Overall, 2010 had been a good year for my commodity investment. I work like crazy, but I was able to made all the commodity investment I wanted and that's what was important to me, despite a laid off from the worst Canadian bank ever, BMO Bank of Montreal (BMO). They are disgusting, I know. And their online commodity broker BMO InvestorLine is absolutely horrible. I wasn't expecting much anyway coming from a Quebec provincial bank, an emigrant bank. And by the way, don't expect anything good from Quebeckers. 2011 will be just the same as 2010 for Quebec people: a black hole.

Ok, I got laid off from BMO Bank of Montreal (BMO) in 2010. Despite the laid off, I can assure you, I am a good investor and below is the proof. I took all of my commodity investment in this review - there's a lot of them as you'll see. I took all of them. but all of those investments were not made in 2010. My online investment in some RBC growth stock mutual funds were made somewhere in 2007-2008. Same thing for my Manulife investment. Anyhow, I wanted to take the whole monster and see where I am located in all that. Let's see how things went for the Dividend Girl online investing in 2010:

Non registered Investments:
Stocks and Units investment portfolio

Sprott Inc. (SII):
Investment initial value: 5 009.78$
Current value: 4 191.20$
-818.58$

Timminco (TIM):
Investment initial value: 4 065$
Current value: 66$
-3 999$

Blue Note Mining (BNT):
Investment initial value: 689$
Current value: 52$
-637$

Bank of Nova Scotia (BNS):
Investment initial value: 16 298.14$
Current value: 17 529.70$
+1 231.56$

Hanwei Energy Services (HE):
Investment initial value: 674$
Current value: 133.50$
-540.50$

Methanex Corporation (MX):
Investment initial value: 1 626.80$
Current value: 3 115.75$
+1 488.95$

Fortis (FTS):
Investment initial value: 2 680.06$
Current value: 3 635.86$
+955.80$

Pembina Pipeline Corporation (PPL):
Investment initial value: 6 313.20$
Current value: 9 309.60$
+2 996.40$

Just Energy Income Fund (JE.UN):
Investment initial value: 10 473.45$
Current value: 11 496.96$
+1 023.51$

Yellow Media Inc. (YLO):
Investment initial value: 2 467.68$
Current value: 2 914$
+446.32$

Bell Aliant Regional Communications Income Fund
(BA.UN):
Investment initial value: 5 513.40$
Current value: 5 223.99$
-289.41$

Pengrowth Energy Trust (PGF.UN):
Investment initial value: 2 290.55$
Current value: 2 722.14$
+431.59$

Enbridge Income Fund (ENF.UN):
Investment initial value: 3 584$
Current value: 5 792$
+2 208$

Corby Distilleries Limited (CDL.A):
Investment initial value: 3 087.99$
Current value: 3 399.66$
+311.67$

Davis + Henderson Income Fund (DHF.UN):
Investment initial value: 3 664.99$
Current value: 3 985.83$
+320.84$

Premium Brands Holdings Corporation (PBH):
Investment initial value: 2 955.16$
Current value: 2 851.92$
-103.24$

EnCana Corporation (ECA):
Investment initial value: 5 946.88$
Current value: 5 847.09$
-99.79$

Sprott Physical Silver Trust UTS (PHS.U):
Investment initial value: 2 190.49$
Current value: 2 814$
+623.51$

iShares S&P/TSX Capped REIT Index (XRE):
Investment initial value: 738.99$
Current value: 727.38$
-11.61$

Horizons Gold Yield Fund (HGY.UN):
Investment initial value: 2 000$
Current value: 2 020$
+20$

Total of gains: +12 058.15$
Total of losses: -6 499.13$
TOTAL: +5 559.02$

Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
Investment initial value: 3 000$
Current value: 2 946.19$
-53.81$

The Consumers’ Waterheater Income Fund (CWI.UN):
Investment initial value: 2 288.37$
Current value: 2 898.50$
+610.13$

Dumont Nickel Inc. (DNI):
Investment initial value: 719$
Current value: 345$
-374$

Total of gains: +610.13$
Total of losses: -427.81$
TOTAL: +182.32$

RSP investment portfolio:

Sprott Canadian Equity Fund:
Investment initial value: 7 000$
Current value: 7 773.76$
+773.76$

Claymore Gold Bullion ETF (CGL):
Investment initial value: 3 587.30$
Current value: 4 316.26$
+728.96$

EnCana Corporation (ECA):
Investment initial value: 3 230$
Current value: 2 909$
-321$

Emera Incorporated (EMA):
Investment initial value: 5 103.79$
Current value: 6 458.10$
+1 354.31$

CIBC Dividend Growth Fund:
Investment initial value: 500$
Current value: 554.19$
+54.19$

CIBC Emerging Markets Index Fund:
Investment initial value: 500$
Current value: 427.11$
-72.89$

CIBC Monthly Income Fund:
Investment initial value: 1 000$
Current value: 1 048.40$
+48.40$

TD Canadian Bond:
Investment initial value: 113.04$
Current value: 115.42$
+2.38$

TD Monthly Income:
Investment initial value: 110.45$
Current value: 109.13$
-1.32$

TD Emerging Markets:
Investment initial value: 100$
Current value: 91.38$
-8.62$

TD Energy:
Investment initial value: 102.76$
Current value: 96.46$
-6.30$

TD Precious Metals:
Investment initial value: 100$
Current value: 151.86$
+51.86$

TD Latin American Growth:
Investment initial value: 100$
Current value: 106.58$
+6.58$

TD Entertainment and Communications:
Investment initial value: 100$
Current value: 122.37$
+22.37$

TD Dividend Growth:
Investment initial value: 208.80$
Current value: 207.48$
-1.32$

TD U.S. Mid-Cap Growth:
Investment initial value: 100$
Current value: 115.85$
+15.85$

Maritime Life International Equity Fund (Templeton):
Investment initial value: 1 000$
Current value: 654.89$
-345.11$

Manulife Simplicity Growth Portfolio:
Investment initial value: 1 000$
Current value: 926.31$
-73.69$

Maritime Life CI Harbour Seg Fund:
Investment initial value: 1 000$
Current value: 1 097.67$
+97.67$

Maritime Life Fidelity True North Seg Fund:
Investment initial value: 1 000$
Current value: 1 066.40$
+66.40$

Maritime Life Trimark Europlus Seg Fund:
Investment initial value: 1 000$
Current value: 644.05$
-355.95$

RBC Canadian Dividend Fund:
Investment initial value: 500$
Current value: 548.88$
+48.88$

RBC U.S. Mid-Cap Equity Fund C$:
Investment initial value: 2 300$
Current value: 1 995.84$
-304.16$

RBC Global Resources Fund:
Investment initial value: 1 000$
Current value: 1 238.61$
+238.61$

RBC O’Shaughnessy International Equity Fund:
Investment initial value: 1 000$
Current value: 648.67$
-351.33$

RBC O’Shaughnessy All-Canadian Equity Fund:
Investment initial value: 1 100$
Current value: 1 208.58$
+108.58$

Total of gains: +3 618.80$
Total of losses: -1 841.69$
TOTAL: +1 777.11$

OVERALL GAINS: +16 287.08$
OVERALL LOSSES: -8 768.63$
TOTAL: +7 518.45$

Overall, I can say I did well. I invest without the help of any financial planners. but while living in Quebec, I prefer to invest just through my fabulous TD Waterhouse securities as  online future trading brokerage. A gain of 7 518.45$ in one year of Canadian online stock trading? From my point of view, for a small investor like myself, I can say I did pretty well. And 2011 should be even better. But remember 2010 had been an investment year in a recession one. Not easy for anyone, but even harder for smaller investors.

To all of my fellow readers, Quebeckers or not, I wish you a Happy 2011 Trading Year! Health and prosperity to you all. May my blog be helpful to you by sharing my trading experience on the Toronto stock exchange market.

My debt situation on date of January 1, 2011

9 431.36$ at a low interest rate of 4.75% (RRSP credit line rates) = 447.99$ in annual interest

4 900$ at a low interest rate of 4% (credit line rates) = 169$ in annual interest

7 978.32$ on a TD Canada Trust credit card at a low interest rate of 4.9% ending in April 2011 (result of a credit card balance transfer)

= 390.94$ in annual interest

4 911$ at 8.75% (credit line) = 429.71$ in annual interest PAID OFF

7 906.87$ at low interest rate loan at 5.50% (student loan) = 434.88$ in annual interest

10 000$ at 7.27% (credit line rates) = 727$ in annual interest

18 083.63$ at a low interest rates of 4.25% (margin money coming from TD Water house): = 768.55$ in annual interest

TOTAL: 58 300.18$

TOTAL in annual interest: 2 965.36$

[In date of January 1, 2011]

Special New Year Edition: My investment portfolio on date of January 1, 2011

Savings:
2 348.35$

Non registered Investments:
Stocks and Units investment portfolio
Sprott Inc. (SII): 4 191.20$
Timminco (TIM): 66$
Blue Note Mining (BNT): 52$
Bank of Nova Scotia (BNS): 17 529.70$
Hanwei Energy Services (HE): 133.50$
Methanex Corporation (MX): 3 115.75$
Fortis (FTS): 3 635.86$
Pembina Pipeline Corporation (PPL):
9 309.60$
Just Energy Income Fund (JE.UN): 11 496.96$
Yellow Media Inc. (YLO): 2 914$
Bell Aliant Regional Communications Income Fund
(BA.UN): 5 223.99$
Pengrowth Energy Trust (PGF.UN): 2 722.14$
Enbridge Income Fund (ENF.UN): 5 792$
Corby Distilleries Limited (CDL.A): 3 399.66$
Davis + Henderson Income Fund (DHF.UN):
3 985.83$
Premium Brands Holdings Corporation (PBH):
2 851.92$
EnCana Corporation (ECA): 5 847.09$
Sprott Physical Silver Trust UTS (PHS.U): 2 814$
iShares S&P/TSX Capped REIT Index (XRE): 727.38$
Horizons Gold Yield Fund (HGY.UN): 2 020$
Cash: 215.53$

TOTAL: 88 044.11$

Tax-free savings account (TFSA):
RBC O’Shaughnessy Canadian Equity Fund:
2 946.19$
The Consumers’ Waterheater Income Fund
(CWI.UN): 2 898.50$
Dumont Nickel Inc. (DNI): 345$
Cash: 5.59$

TOTAL: 6 195.28$

RSP investment portfolio:
Sprott Canadian Equity Fund: 7 773.76$
Claymore Gold Bullion ETF (CGL): 4 316.26$
EnCana Corporation (ECA): 2 909$
Emera Incorporated (EMA): 6 458.10$
Cash: 66.99$

CIBC Dividend Growth Fund: 554.19$
CIBC Emerging Markets Index Fund: 427.11$
CIBC Monthly Income Fund: 1 048.40$

Energy and Base Metals Term Savings (Indexed term savings):
503.46$
Natural Resources Term Savings (Indexed term savings):
502.06$

GIC National Bank: 1 147.42$
GIC Plus: 500$

TD Canadian Bond: 115.42$
TD Monthly Income: 109.13$
TD Emerging Markets: 91.38$
TD Energy: 96.46$
TD Precious Metals: 151.86$
TD Latin American Growth: 106.58$
TD Entertainment and Communications: 122.37$
TD Dividend Growth: 207.48$
TD U.S. Mid-Cap Growth: 115.85$

Maritime Life International Equity Fund
(Templeton): 654.89$
Manulife Simplicity Growth Portfolio: 926.31$
Maritime Life CI Harbour Seg Fund: 1 097.67$
Maritime Life Fidelity True North Seg Fund:
1 066.40$
Maritime Life Trimark Europlus Seg Fund: 644.05$

Great-West – various: 1 751.69$

RBC Canadian Dividend Fund: 548.88$
RBC U.S. Mid-Cap Equity Fund C$: 1 995.84$
RBC Global Resources Fund: 1238.61$
RBC O’Shaughnessy International Equity Fund: 648.67$
RBC O’Shaughnessy All-Canadian Equity
Fund: 1 208.58$

GIC Canadian Market: 1 000$

TOTAL: 40 104.87$

Social Capital at Desjardins Membership share
for 3 accounts: 40$

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
(53.35$):
136 785.96$
 

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