My investment portfolio on date of November 8, 2019

Cold cash: $2,728.04

Stocks and Units investment portfolio $CAN
Bank of Nova Scotia (BNS): $12,087

Methanex Corporation (MX): $5,639.92
Fortis Inc. (FTS): $6,642.72

Pembina Pipeline Corporation (PPL): $30,274.44

Corby Distilleries Limited (CSW.A): $2,173.50

iShares S&P/TSX Capped REIT Index (XRE): $3,038.42

New Flyer Industries Inc. (NFI): $3,315.20

TMX Group Inc. (X): $880

K-Bro Linen Inc. (KBL): $3,934

TransCanada Corp (TRP): $1,662.25

Canadian National Railway Co (CNR): $11,259

Enbridge Inc. (ENB): $16,599.25

Emera Inc. (EMA): $1,315.50

BCE Inc. (BCE): $1,390.62

Saputo Inc. (SAP): $1,615.60

Loblaw Companies (L): $847.20

Savaria Corporation (SIS): $7,252.32

WSP Global Inc. (WSP): $4,307

Aphria Inc. (APH): $1,348

George Weston Limited (WN): $103.90

Kinder Morgan Canada Limited restricted voting shares (KML): $4,275

TOTAL: $119,960.84

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B): $1,770.48

General Mills Inc. (GIS): $1,680

Cash: $13.33

TOTAL: $3,463.81   USD: $4,557.33 CAN

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI): $12.92

CT Real Estate Investment Trust (CRT.UN): $1,504

Canadian National Railway Co (CNR): $5,004

Exchange Income Corporation (EIF): $42.10

Brookfield Infrastructure Partners L.P. (BIP.UN): $4,532.55

Brookfield Renewable Energy Partners L.P. (BEP.UN): $1,693.20

Andrew Peller Limited (ADW.A): $2,099.50

Toronto-Dominion Bank (TD): $1,531

Boyd Group Income Fund (BYD.UN): $5,817.30

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN): $3,791.20

Data Communications Mgmt (DCM): $3.66

Morneau Shepell Inc. (MSI): $2,827.80

Royal Bank of Canada (RY): $4,337.60

Park Lawn Corporation (PLC): $1,758.60

Toromont Industries Ltd (TIH): $2,832

BCE Inc. (BCE): $568.89

Northview Apartment Real Estate Investment Trust (NVU.UN): $4,336.50

Sienna Senior Living Inc. (SIA): $1,500.80

Boralex Inc. Class A Shares (BLX): $895.20

Richelieu Hardware Ltd. (RCH): $1,253.96

Savaria Corporation (SIS): $974.40

Northland Power Inc. (NPI): $2,649

Calian Group Ltd. (CGY): $2,794.98

BMO Bank of Montreal (BMO): $2,013.60

Canadian Utilities Limited (CU): $1,623.72

WSP Global Inc. (WSP): $2,153.50

Granite Real Estate Investment Trust (GRT.UN): $659.10

Cargojet Inc. (CJT): $2,941.76

Nutrien Ltd. (NTR): $3,245

TFI International Inc. (TFII): $3,468

Canadian Imperial Bank Of Commerce (CM): $3,449.40

SIR Royalty Income Fund (SRV.UN): $821.60

ATCO Ltd. (ACO.Y): $3,018.60

Aecon Group Inc. (ARE): $1,878

Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A): $2,834.42

Metro Inc. (MRU): $2,124.58

Cash: $420.90

TOTAL: $83,413.34

RSP investment portfolio: 

Emera Incorporated (EMA): $15,154.56

EnCana Corporation (ECA): $691.20

Toronto-Dominion Bank (TD): $2,296.50

Telus Corp (T): $2,493.50

Royal Bank of Canada (RY): $2,168.80

Savaria Corporation (SIS): $2,811.84

Thomson Reuters Corporation (TRI): $3,204.36

Park Lawn Corporation (PLC): $5,862

Richards Packaging Income Fund (RPI.UN): $1,468.83

Toromont Industries Ltd (TIH): $495.60

CAE Inc. (CAE): $2,402.40

CGI Group Inc. Class A Subordinate Voting Shares (GIB.A): $3,715.60

Boralex Inc. Class A Shares (BLX): $1,119

Quebecor Inc. (QBR.B): $793.50

Logistec Corporation Class B Subordinate Voting Shares (LGT.B): $266

Brookfield Renewable Partners L.P. (BEP.UN): $1,072.36

Leon's Furniture Limited (LNF): $501.84

Cash: $149.65

Total: $46,667.54     

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,019.99

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

Natural Resources Term Savings (Indexed term savings): $502.45

GIC National Bank: $1,342.86              

Manulife Fidelity NorthStar GIF CAP B: $1,709.24

Manulife Simplicity Growth Portfolio: $1,434.52

Maritime Life CI Harbour Seg Fund: $1,320.97

Maritime Life Fidelity True North Seg Fund: $1,209.91

Manulife GIF MLIA B World Invest: $1,266.54

Total: $6,941.18

Other various: $14,951.27

TOTAL: $74,002.59

Social Capital at Desjardins Membership share: $35

Online money: $105

Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:

$284,802.14

On the date of November 8, 2019

My debt situation on date of November 8, 2019

Margin account: $49,633.75‬ @ 5.50%
Annual interest: $2,729.85
On the date of November 3, 2019

Surprise: Derek Foster is now investing in Nutrien Ltd. (NTR)!

So far, it's been a good week for the TSX. The pretty almost kick in the 16 700 points, which is absolutely AMAZING. It's quite an exciting time because I am secretly hoping for the TSX to hit on the 17 000 points. In result of those super hot numbers, my non-registered portfolio closed today session at very good $118,543.87, my TFSA portfolio at $82,650.57‬ and my RRSP portfolio at $46,056.85‬. I now have 420.90$ in cash inside my TFSA portfolio, which means that soon enough I will have enough to place a new investment.

In his latest newsletter, Derek Foster informs his readers that stocks are expensive right now, so he's pretty much in the same mood as I am right now, not really investing, but he had been investing in Nutrien Ltd. (NTR). And of course, pretty already own that one inside her portfolio. What can I say? I already hold on to the best of what the TSX has to offer. That's the reason why I keep saying over and over again that my investment portfolio has everything it needs to be in the $300 000 net worth. I know I do. I am absolutely, absolutely sure. With age, I am getting better and better at cashing in profit while doing at all, or almost. 

The year 2020 is just around the corner. And who says new year say new money to be invested in the TFSA portfolio! I don't know if you have noticed this, but the list of stock that I hold inside my non-registered portfolio is going shorter. That because I do contribution in kind for my TFSA, since I am so short in cash, I prefer to take stocks that I hold inside my non-registered portfolio and have them shipped to my TFSA portfolio just like magic by Santa TD Waterhouse hot brokers.

For a while, it looks like Savaria Corporation (SIS) was just going nowhere, but now, I am reassured now because I am under the impression that SIS will be in the $14 per stock and that's cool because SIS is a bit everywhere in my portfolio: in my non-registered portfolio, TFSA portfolio AND my RRSP portfolio. Got to love that stuff for sure!

Check it out, Susan Brunner had posted a review about a stock that I hold inside my TFSA portfolio: Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A).

And just one last thing, I had been noticing that my investment in SIR Royalty Income Fund (SRV.UN) had been losing in value. This is quite annoying. 

I think I will just follow Derek Foster and pick Nutrien Ltd. (NTR) as my next investment, even if I already have this one in my TFSA portfolio. At a point, too much candy is too much candy, I don't know which one to pick no one. Why should I literally tortured myself, trying so desperately to find THE stock that will push me forward to the $300 000 net worth, while Derek Foster is just there and happily throwing away some nice investment ideas. Thank you Derek Foster :0)

 

More cold cash please

I really like this time of year, the winter hour time change. It gives an extra hour to do everything needed on a Sunday before starting another week at work. And soon enough we'll be in the year 2020.

I was quite happy this past Friday to see the TSX getting closer to the 16 600 points. In my opinion, my net worth was going to be in the $232 000, but after updating my investment portfolio and debt pages earlier today, I found out that it wasn't the case. Compare to September of this year, my net worth only grow of $95.97. However, I am happy that my value actually didn't increase. I prefer a really small gain rather than a rough decline. One thing that I am happy about is that my savings account is slowly building up. It's something I wanted to work on for quite some time, but now that I am getting a bit older, I find that it doesn't make sense to have so little in savings and have everything pack in stocks only or almost... This is something that had been in my mind also for quite some time. I can be quite lazy, but when I get my mindset on something, I became a fast runner.

It doesn't look at it at first, but if I continue putting away only $200 per paycheque for the 12 months, it's $7,712.91 I will have in savings, instead of the tiny little $2,512.91 that I currently have. Eventually, I would like to have at least $20,000 in cash reserved. More is only better. It could happen in less than 4 years if I stick to this easy plan, so why not.

I feel like I am not that far away from a $300,000 net worth. It's just really hard these days to get where I want to be. The stock market being super volatile, it can actually be a good idea to just focus on putting money aside for savings rather than thinking about my next investment... I unfortunately don't have anything in mind as a new investment ideas. I feel like I have everything I need in my portfolio to hit on that magic number. Right now, the only thing I am missing in order to be a perfect investor is more savings, or what I like to introduce as cold cash in the beginning of each of my investment portfolio updates.