Here's my investment portfolio in date of September 20, 2009:
Savings:
2.69$ (ING Direct)
Non RRSP Investments:
Stocks & Units portfolio
Sprott Inc. (SII): 2 168$ (-2 766.99$)
Timminco (TIM): 258$ (-3 807$)
Blue Note Mining (BN): 74$ (-615$)
Bank of Nova Scotia (BNS): 4 929$ (+312.58$)
Hanwei Energy Services (HE): 363$ (-311$)
Methanex Corporation (MX): 2 022$ (+395.20$)
Fortis (FTS): 2 565$ (-8.17$)
Pengrowth Energy Trust (PGF.UN):
6 305$ (+20.43$)
Livingston International Income Fund
(LIV.UN): 639$ (+3.03$)
Pembina Pipeline Income Fund (PIF.UN): 1 552$ (+310.30$)
Just Energy Income Fund (JE.UN): 2 746$ (+250.75$)
Dumont Nickel Inc. (DNI): 460$ (-259$)
Yellow Pages Income Fund (YLO.UN): 2 115$ (+15.54$)
TOTAL: 26 195$
Mutual funds
Sprott Canadian Equity Fund: 4 457$
Tax-free savings account
RBC O'Shaughnessy Canadian Equity Fund:
2 443.09$
Creststreet Alternative Energy Fund: 1 185$
TOTAL: 3 628.09$
RRSP:
CIBC Dividend Fund: 478.23$
CIBC Emerging Markets Index Fund: 455.45$
CIBC Monthly Income Fund: 955.91$
Energy and Base Metals Term Savings
(Indexed term savings): 503.46$
Natural Resources Term Savings
(Indexed term savings): 502.06$
GIC National Bank: 1 098.49$
GIC Finance Plus: 1 513.97$
GIC Plus: 500$
TD Canadian Bond: 110.21$
TD Monthly Income: 98.10$
TD Emerging Markets: 78.07$
TD Energy: 80.11$
TD Precious Metals: 93.64$
TD Latin American Growth: 85.98$
TD Entertainment & Communications: 97$
TD Dividend Growth: 186.60$
TD U.S. Mid-Cap Growth: 94$
Maritime Life International Equity Fund (Templeton):
673.92$
Manulife Simplicity Growth Portfolio: 829.93$
Maritime Life CI Harbour Seg Fund: 992.35$
Maritime Life Fidelity True North Seg Fund: 940$
Maritime Life Trimark Europlus Seg Fund: 612.08$
Great West - Various: 1 577.81$
RBC Canadian Dividend Fund: 482.47$
RBC U.S. Mid-Cap Equity Fund C$: 1 721.76$
RBC Global Resources Fund: 763.66$
RBC O'Shaughnessy International Equity Fund: 651.22$
RBC O'Shaughnessy All-Canadian Equity Fund: 896.50$
GIC Canadian Market: 1 000$
TOTAL: 18 072.98$
Social Capital at Desjardins Membership share for 3 accounts:
40$
Savings + Stocks, units, mutual funds + Tax-free savings account + RRSP + Online Income (35.11$):
52 430.87$
[In date of September 20, 2009]
Wednesday, September 30, 2009
Monday, September 28, 2009
Because it's all about dividend
I just calculate my annual dividend income again, just to make sure that the effort worth it… This weekend, I got very bored with the overtime. I begin my day of work at 12pm today and left at 7:30pm. I couldn’t take it any longer. I didn’t reach my overtime hours goal yet, but I am pretty sure there will be some overtime available for this week. Calls are coming like crazy, but most of them are very short calls, less than 5 minutes. After working a straight 7 days this week, I have enough. I have enough of working and taking calls, as short they can be. And how about just yes or no calls? Wouldn’t be fun?
When talking a whole bunch of sh*t lol, I am thinking of those debts I will soon be paying off and it help me to keep going on. Sometimes, life is difficult like that. I just cannot wait to clear my RBC Visa card and all the little amounts I own here and there. I promise, never again I will pay my income taxes using credit card balance transfer, even at a low interest rate lol. And never again, I will have debts on my credit cards, except for my usual expenses. I barely ever have cash on me. I pay everything using my credit cards. This is actually helping me to build a great credit score. My credit cards are making me feel powerful and I like that, to have the feeling that I can pay whatever I want using one of my credit card. But of course, it’s just a feeling. I am not shopaholic and doesn’t spend that much. I don’t have expenses tastes and I am not wearing jewelry, expect plastic ones. I like what’s cheap and affordable.
So yes, I calculate my annual dividend income. And to my surprise, I am now at a 2 073.53$ annual dividend income. Its goes like this:
Bank of Nova Scotia (BNS): 201.88$
Fortis (FTS): 107.12$
Just Energy Income Fund (JE.UN): 286.62$
Methanex Corporation (MX): 70.56$
Pembina Pipeline Income Fund (PIF.UN): 157.56$
Pengrowth Energy Trust (PGF.UN): 780$
Sprott Inc. (SII): 50.30$
Yellow Pages Income Fund (YLO.UN): 323.20$
We can possibly add an extra 100$ for the power of the DRIP. We are possibly talking here of an annual dividend income of 2 173.53$. That’s nice. I had multiple problems with this huge investments portfolio of mine. Some could think my portfolio is too diversified. But from my point of view, a portfolio cannot be too diversified. There’s not too much diversification when talking about investment. For me, diversification is a way to reduce the risk. It’s been one of my dada since I begin to invest, back in 2005. From GIC to mutual funds to stocks and units and dividend, the step had been major for the My first 50 000$ girl so some forgiveness are require for the too important amount of money that had been invested in GIC and mutual funds. But they are not mistakes; they were a desperate way to reach what can only be reach through stocks and units investment.
When talking a whole bunch of sh*t lol, I am thinking of those debts I will soon be paying off and it help me to keep going on. Sometimes, life is difficult like that. I just cannot wait to clear my RBC Visa card and all the little amounts I own here and there. I promise, never again I will pay my income taxes using credit card balance transfer, even at a low interest rate lol. And never again, I will have debts on my credit cards, except for my usual expenses. I barely ever have cash on me. I pay everything using my credit cards. This is actually helping me to build a great credit score. My credit cards are making me feel powerful and I like that, to have the feeling that I can pay whatever I want using one of my credit card. But of course, it’s just a feeling. I am not shopaholic and doesn’t spend that much. I don’t have expenses tastes and I am not wearing jewelry, expect plastic ones. I like what’s cheap and affordable.
So yes, I calculate my annual dividend income. And to my surprise, I am now at a 2 073.53$ annual dividend income. Its goes like this:
Bank of Nova Scotia (BNS): 201.88$
Fortis (FTS): 107.12$
Just Energy Income Fund (JE.UN): 286.62$
Methanex Corporation (MX): 70.56$
Pembina Pipeline Income Fund (PIF.UN): 157.56$
Pengrowth Energy Trust (PGF.UN): 780$
Sprott Inc. (SII): 50.30$
Yellow Pages Income Fund (YLO.UN): 323.20$
We can possibly add an extra 100$ for the power of the DRIP. We are possibly talking here of an annual dividend income of 2 173.53$. That’s nice. I had multiple problems with this huge investments portfolio of mine. Some could think my portfolio is too diversified. But from my point of view, a portfolio cannot be too diversified. There’s not too much diversification when talking about investment. For me, diversification is a way to reduce the risk. It’s been one of my dada since I begin to invest, back in 2005. From GIC to mutual funds to stocks and units and dividend, the step had been major for the My first 50 000$ girl so some forgiveness are require for the too important amount of money that had been invested in GIC and mutual funds. But they are not mistakes; they were a desperate way to reach what can only be reach through stocks and units investment.
Saturday, September 26, 2009
Overtime to the extreme
I am planning to do as much hours as I can in just 4 days and I have to say, there’s not overtime for nothing, it’s call after call after call from 12pm to 12am… I did a 12 hours shift today or around so. I am exhausted, but I keep thinking about my next paycheck and how fun it’s going to be when all of my little credit card debts will be paid off… So I hope to wok 11 hours tomorrow and around 12 hours on Sunday… And after, I will take a rest before searching for a daytime job. I find a couple of jobs here and there, but since I am just exhausted right now, I didn’t apply to any yet. I am missing HubPages and cannot wait to write new articles. I am just missing my beauty sleep and my free time… My portfolio is doing well, especially PGF.UN. Love that company.
Friday, September 25, 2009
Overtime, paycheck and debts
I didn’t receive any calls from my weekend job today. Does it mean there is no work or there’s no work for me or… even worst… did they forget about me? I won’t ever know because I didn’t call to verify if there was work. Since I currently have overtime for this weekend at my evening job, I don’t care too much for the rest for now. I check my credit card balances yesterday and my expenses were not as bad as I taught. I will be able to pay it all by the time of my next paycheck. Seem like my next 100 units of Pembina Pipeline Income Fund (PIF.UN) investment will unfortunately have to wait for an extra month or 2. I really want to reach 200$ per month in dividend money as soon as possible. I can do it, the challenge is quite… challenging.
But after October 9th, once my credit cards bad debt will be all paid off, I will feel a lot much better and starting from there, all the money made will be to reach my goal. At this point, I feel important to save some money aside, outside my investment. At this point, all my money is invested and in case of need, I wouldn’t like to sell my investments. A 2 000$, or even just a 1 000$ aside in case of emergencies could be beneficial.
Doing a bunch of extra hours in a short period of time is always exhausting and it’s currently what I am doing. This remember last year when I was working during daytime at my 2 jobs from 9 am to 1:30pm and than from 3pm to midnight. Seem like the day never come to an end when I work from 9 to midnight. Since I am now working this weekend, I plan to do 12 hours on Saturday and Sunday… Very terrible week. I am looking forward for a 1 100$ paycheck for the next one, as I really need it. After that, I will probably begin my search for something daytime, as second job. And than after that I hope my weekend job will begin again.
Building a stocks and units portfolio for dividend income is certainly one of the most difficult thing. It take serious amount of money to be able to invest. For my next investment, 100 units of Pembina Pipeline Income Fund (PIF.UN), I will probably need a minimum of 1 580$. It’s represent a lot of money. Does the little 156$ in return – in dividend income worth it? YES.
But after October 9th, once my credit cards bad debt will be all paid off, I will feel a lot much better and starting from there, all the money made will be to reach my goal. At this point, I feel important to save some money aside, outside my investment. At this point, all my money is invested and in case of need, I wouldn’t like to sell my investments. A 2 000$, or even just a 1 000$ aside in case of emergencies could be beneficial.
Doing a bunch of extra hours in a short period of time is always exhausting and it’s currently what I am doing. This remember last year when I was working during daytime at my 2 jobs from 9 am to 1:30pm and than from 3pm to midnight. Seem like the day never come to an end when I work from 9 to midnight. Since I am now working this weekend, I plan to do 12 hours on Saturday and Sunday… Very terrible week. I am looking forward for a 1 100$ paycheck for the next one, as I really need it. After that, I will probably begin my search for something daytime, as second job. And than after that I hope my weekend job will begin again.
Building a stocks and units portfolio for dividend income is certainly one of the most difficult thing. It take serious amount of money to be able to invest. For my next investment, 100 units of Pembina Pipeline Income Fund (PIF.UN), I will probably need a minimum of 1 580$. It’s represent a lot of money. Does the little 156$ in return – in dividend income worth it? YES.
Wednesday, September 23, 2009
Fantastic gain in my investment portfolio (1:20PM)
No overtime today as I felt super exhausted. But this night, I am going to bed as soon as I arrive and watch out, tomorrow, I am going to do from 9AM to midnight. It’s going to be crazyyyyy. And right now, as I just wake up and log in into my online broker account…… tadammmmmmmmm…….. My stocks and units investment portfolio is up to 27 177.52$! Hope it will finish the day that way. It’s even better than yesterday! Compare to yesterday, where I was at 26 907.77$, I gain 269.75$! I don’t even make that much in a day, even with overtime at my job!
If we compare to September 20, where our stocks and units investment portfolio was at 26 195$, we gain, in date of today, a fantastic 982.52! That’s the power of the stock market! Right now, it could happen that my net value is around 54 000$. For the end of September, I am waiting for my Just Energy Income Fund (JE.UN) and Methanex Corporation (MX). Nice little gain there among the way.
Derek Foster strategy IS really working. And his strategy is going to make me become a really rich girl $$$ lol. And I cannot imagine how it will be when the market will reach it will 15 000 points. It’s going to be fantastic. In the meantime, I want to invest more in my portfolio! That’s the plan. But for now, I have to do overtime… I just have to go to bed earlier. Which is completely out of sense.
If we compare to September 20, where our stocks and units investment portfolio was at 26 195$, we gain, in date of today, a fantastic 982.52! That’s the power of the stock market! Right now, it could happen that my net value is around 54 000$. For the end of September, I am waiting for my Just Energy Income Fund (JE.UN) and Methanex Corporation (MX). Nice little gain there among the way.
Derek Foster strategy IS really working. And his strategy is going to make me become a really rich girl $$$ lol. And I cannot imagine how it will be when the market will reach it will 15 000 points. It’s going to be fantastic. In the meantime, I want to invest more in my portfolio! That’s the plan. But for now, I have to do overtime… I just have to go to bed earlier. Which is completely out of sense.
A gain of 712.77$ in my stocks and units portfolio
Today went very fine. I was able to do what I wanted to do, I just some couple of things to do. And nice surprise: my porfolio gain some nice points.
On date of today, my stocks and units investment portfolio is up to 26 907.77$, compare to 26 195$ on date of September 20. It’s a value increase of 712.77$! Overall, I may had gain an extra 1 000$ today… Which now make a total of 53 430.87$! I won’t calculate my overall value because it’s represent quite some work since all the money is all around the place, but I guess the 1 000$ or around 1 000$ increase gain is quite realistic. Things are slowly getting better and one day, I will about my bad luck with Timminco (TIM) and Sprott (SII).
Lessons learn: stick to Derek Foster strategy and not ty to be too adventurous when it come to investments. And forget about penny stocks. I don’t thing I will invest anymore in penny stocks, even if I feel quite awesome what Timothy Sykes can do with his penny stocks trading. But I had enough of penny stocks for now and I am pretty upset about my 3 penny stocks investments, Blue Note Mining (BNT) Hanwei Energy Services (HE) and Dumont Nickel (DNI). Even if those 3 are not performing too well, they still represent, from my point of view, good investments. Just when I taught that I regret my 100 units investment in Livingston International Income Fund (LIV.UN), the value to today had outpass the value of my initial investment. Quite not bad at all. But now, one question remains: can Livingston International Income Fund (LIV.UN) pays back dividend like before? I just hope it will!
I just cannot wait to make my next investment, 100 units of Pembina Pipeline Income Fund (PIF.UN).
On date of today, my stocks and units investment portfolio is up to 26 907.77$, compare to 26 195$ on date of September 20. It’s a value increase of 712.77$! Overall, I may had gain an extra 1 000$ today… Which now make a total of 53 430.87$! I won’t calculate my overall value because it’s represent quite some work since all the money is all around the place, but I guess the 1 000$ or around 1 000$ increase gain is quite realistic. Things are slowly getting better and one day, I will about my bad luck with Timminco (TIM) and Sprott (SII).
Lessons learn: stick to Derek Foster strategy and not ty to be too adventurous when it come to investments. And forget about penny stocks. I don’t thing I will invest anymore in penny stocks, even if I feel quite awesome what Timothy Sykes can do with his penny stocks trading. But I had enough of penny stocks for now and I am pretty upset about my 3 penny stocks investments, Blue Note Mining (BNT) Hanwei Energy Services (HE) and Dumont Nickel (DNI). Even if those 3 are not performing too well, they still represent, from my point of view, good investments. Just when I taught that I regret my 100 units investment in Livingston International Income Fund (LIV.UN), the value to today had outpass the value of my initial investment. Quite not bad at all. But now, one question remains: can Livingston International Income Fund (LIV.UN) pays back dividend like before? I just hope it will!
I just cannot wait to make my next investment, 100 units of Pembina Pipeline Income Fund (PIF.UN).
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