My debt situation on date of February 7, 2023

Margin Account Debt: $46,812.83 at 7.75%

Annual Interest: $3,627.99

As of February 7, 2023

For a complete update on my debt situation, please click on the label "Debt Situation" located in the right column of this blog.

My investment portfolio on date of February 7, 2023

Cold cash: $14,802.66

Stocks and Units investment portfolio $CAN 

Bank of Nova Scotia (BNS)

Methanex Corporation (MX)

Fortis Inc. (FTS)

Pembina Pipeline Corporation (PPL)

iShares S&P/TSX Capped REIT Index (XRE)

New Flyer Industries Inc. (NFI)

TMX Group Inc. (X)

K-Bro Linen Inc. (KBL)

TransCanada Corp (TRP)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

Emera Inc. (EMA)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

BCE Inc. (BCE)

Canadian Imperial Bank Of Commerce (CM)

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

TOTAL: $148,128.95

Stocks and Units investment portfolio $US:

Berkshire Hathaway Inc. (BRK.B)

General Mills Inc. (GIS)

Vanguard Russell 1000 Growth Index Fund (VONG)

Pfizer Inc. (PFE) 

TOTAL: $5,128.02 US: $6,845.91 CAN

 

Tax-free savings account (TFSA):

Dumont Nickel Inc. (DNI)

CT Real Estate Investment Trust (CRT.UN)

Canadian National Railway Co (CNR)

Exchange Income Corporation (EIF)

Brookfield Infrastructure Partners L.P. (BIP.UN)

Brookfield Renewable Energy Partners L.P. (BEP.UN)

Andrew Peller Limited (ADW.A)

Toronto-Dominion Bank (TD)

Boyd Group Services Inc. (BYD)

Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)

Data Communications Mgmt (DCM)

Royal Bank of Canada (RY)

Park Lawn Corporation (PLC)

Toromont Industries Ltd (TIH)

BCE Inc. (BCE)

Boralex Inc. Class A Shares (BLX)

Savaria Corporation (SIS)

Northland Power Inc. (NPI)

Calian Group Ltd. (CGY)

Canadian Utilities Limited (CU)

WSP Global Inc. (WSP)

Granite Real Estate Investment Trust (GRT.UN)

Cargojet Inc. (CJT)

Nutrien Ltd. (NTR)

TFI International Inc. (TFII)

Canadian Imperial Bank Of Commerce (CM)

SIR Royalty Income Fund (SRV.UN)

ATCO Ltd. (ACO.Y)

Aecon Group Inc. (ARE)

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

Metro Inc. (MRU)

Alimentation Couche-Tard Inc. (ATD.A)

Fortis Inc. (FTS)

CGI Inc. (GIB.A)

TMX Group Limited (X)

Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Suncor Energy Inc. (SU)

Rogers Communications Inc. (RCI.B)

Telus Corp (T)

JFT Strategies Fund Class A Units (JFS.UN)

Bitcoin Fund The Class A units (QBTC)

Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)

3iQ CoinShares Ether ETF (ETHQ)

Tilray Inc (TLRY)

North West Company Inc. (The) (NWC)

Bank of Nova Scotia (BNS)

National Bank of Canada (NA)

Stelco Holdings Inc. (STLC)

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

Saputo Inc. (SAP)

Labrador Iron Ore Royalty Corporation (LIF)

Intertape Polymer Group Inc. (ITP)

Parex Resources Inc. (PXT)

Wescan Energy Corp. (WCE)

Verde Agritech Plc Ordinary Shares (NPK)

Wajax Corporation (WJX)

Whitecap Resources Inc. (WCP)

Goodfellow Inc. (GDL)

Algonquin Power & Utilities Corp. (AQN)

TOTAL: $127,072.94

RSP investment portfolio: 

Emera Incorporated (EMA)

Ovintiv Inc. (OVV)

Toronto-Dominion Bank (TD)

Telus Corp (T)

Royal Bank of Canada (RY)

Savaria Corporation (SIS)

Thomson Reuters Corporation (TRI)

Park Lawn Corporation (PLC)

Richards Packaging Income Fund (RPI.UN)

Toromont Industries Ltd (TIH)

CAE Inc. (CAE)

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

Boralex Inc. Class A Shares (BLX)

Quebecor Inc. (QBR.B)

Logistec Corporation Class B Subordinate Voting Shares (LGT.B)

Brookfield Renewable Partners L.P. (BEP.UN)

Leon's Furniture Limited (LNF)

Bank of Nova Scotia (BNS)

Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)

Cascades Inc. (CAS)

JFT Strategies Fund Class A Units (JFS.UN)

AirBoss of America Corp. (BOS)

Suncor Energy Inc. (SU)

Pender Growth Fund Inc. (PTF)

Rogers Communications Inc. Class B Non-voting Shares (RCI.B)

ATS Automation Tooling Systems Inc. (ATA)

Algoma Central Corporation (ALC)

Finning International Inc. (FTT)

Guardian Capital Group Limited (GCG)

Information Services Corporation Class A Limited Voting Shares (ISV)

Interfor Corporation (IFP)

Maple Leaf Foods Inc. (MFI)

National Bank of Canada (NA)

Nutrien Ltd. (NTR)

Open Text Corporation (OTEX)

Taiga Building Products Ltd. (TBL)

Vitreous Glass Inc. (VCI)

Power Corporation of Canada Subordinate Voting Shares (POW)

North West Company Inc. (The) (NWC)

Whitecap Resources Inc. (WCP)

Parex Resources Inc. (PXT)

North West Company Inc. (The) (NWC)

Wajax Corporation (WJX)

Canadian Imperial Bank Of Commerce (CM)

Total: $64,616.53

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,414.71

Others: $1,159.90

NBI Income Fund: $1,242.60

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: $8,386.09

Other various: $32,910.98

TOTAL: $111,730.81

Social Capital at Desjardins Membership share: $35

Online money: $40.68

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

TOTAL: $408,656.95

On the date February 7, 2023

My plan to reach $35,000 in savings by the end of 2023

The TSX almost closed the past session within 20,800 points, leaving my non-registered portfolio at $147,997.55, my US portfolio at $5,066.31, my RRSP stocks-only portfolio at $65,358.95, and my TFSA portfolio at $127,967.12.

It has been an easy week for the TSX, but in New Brunswick, the weather was very cold and not much fun. The upcoming week should be better, except for tomorrow.

This past Friday, I was watching BNN, but I had shut down the TV sound. At some point, I glanced at the screen just in time to read that Brookfield Renewable Energy Partners L.P. (BEP.UN) was increasing its dividend distribution by 5.5%! This also includes Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC). In my opinion, BEP.UN and BEPC should trade under the same ticket because they are essentially the same company. Dealing with both BEP.UN and BEPC just adds unnecessary complications to the game. And it's not only BEP.UN and BEPC, but also Brookfield Infrastructure Partners L.P. (BIP.UN)... Just like BEP.UN and BEPC, Brookfield Infrastructure Partners L.P. (BIP.UN) also increased its dividend distribution. To be honest, all those Brookfield companies are quite confusing for me.

Lately, all these dividend increases have been quite encouraging. It's coming as a surprise to me, given the inflation, I would have thought that businesses would rather keep their cash in their pockets. But hey, I take what I can get and I am very happy with all these dividend increases. Inflation is super high, interest rates are increasing, and, strangely, at the same time, the unemployment rate in the US is at its lowest since... 1969. It's a strange mix that doesn't make much sense. For that reason, I prefer to focus on my savings. With my upcoming paycheck, I should be close to $16,000. By the end of 2023, I think I will be able to reach $35,000 in savings, even allowing for some extra expenses. I already have a large exposure to stocks through my investment portfolios. It makes sense to build up some savings. This task is easier when the temperature ranges between -40 and -20 outside... I don't remember experiencing such cold temperatures in New Brunswick. I won't forget this winter, that's for sure.

Due to the cold weather and my desire to spend more time inside, I have become increasingly active on Twitter. With all the extra time I have been spending inside, Twitter has become a great source of entertainment and distraction. You can follow me on Twitter, @SunnyJNB

Thanks to BCE Inc. (BCE), my annual dividend income is now at $12,130

The TSX closed today's session within a good 20,700 points. My non-registered portfolio closed today's session at $147,113.06, my US portfolio at $5,108.48 US, my RRSP stocks-only portfolio at $65,212.59, and my TFSA portfolio at $127 957,99. The difference between my non-registered and my TFSA portfolio is now less than $20,000, which is the amount I am trying to reach as savings. It's something quite interesting for me to watch. Currently, I have exactly $14,800 in savings. I am just missing over $5,000 before reaching the famous $20,000 in savings. 

It will take me probably until the of May before I can reach $20,000 in savings if everything goes as planned. If I think further, I may be able to reach over $30,000 in savings by the end of December 2023, and maybe even $35,000. It's not because of my domain name, but lately, I caught myself thinking that I would like to build up $50,000 in savings.

Thanks to BCE Inc. (BCE), my annual dividend income is now in the $12,130. It's been announced that BCE didn't meet analysts' expectations. I wasn't expecting a dividend increase coming from BCE for that reason, and I didn't very verify, but I was quite happy to learn that BCE was increasing its dividend. It's quite a generous move coming from that company. On the other hand, Rogers Communications Inc. (RCI.B) did very well, but they didn't increase their dividend distribution. Another stock of mine that announced great results recently is CGI Inc. (GIB.A). Unfortunately, GIB.A doesn't pay any dividend distribution. 

I used to be on Twitter, but since I haven't used the platform for many years, all my subscribers are now all gone... If you would like to follow me on Twitter, please do so. I am at @SunnyJNB. I plan to post on Twitter from time to time, you wouldn't like to miss my hot stock picks, don't you? @kyleliu_invest had been my first Follower on Twitter, and I strongly suggest you follow him as well. He's the Twitter user who built my beautiful chart. I follow back everyone willing to follow me. :-)

My complete investment portfolio review, from 2008 to 2022

The Toronto Stock Exchange (TSX) ended today's trading session with a strong finish, closing at 20,767.38 points. My personal investment portfolios, including my non-registered, US, RRSP stocks-only, and TFSA portfolios, closed the day with values of $147,346.97, $5,166.98, $64,067.71, and $126,283.65, respectively.

As a seasoned investor since 2008, I've had the opportunity to weather the 2008 stock market crash and come out on top. My investment philosophy is centered around investing in high-quality, conservative stocks that can weather market volatility. An example of such a stock is Richards Packaging Income Fund (RPI.UN), a boring yet solid stock in the industrial sector.

To start 2023 off right, I recently published a comprehensive review of my 14-year investment journey since 2008. In this review, I analyze the returns of each stock in my different portfolios, giving readers the opportunity to benefit from my experience.

My highest return came from my investment in Canadian National Railway Company (CNR), which generated a +304.14% return in my non-registered portfolio. Despite not taking dividends into account, CNR is still a solid stock, one that Bill Gates himself is said to have invested in at one point. As a conservative investor, I hold CNR in both my non-registered and TFSA portfolios, where I have gained +108.37%.

My second-highest gainer is TFI International Inc. (TFII), with a +250.50% return in my TFSA portfolio. I discovered this stock through Stockopedia, as well as other great Canadian stocks such as Richards Packaging Income Fund (RPI.UN), Toromont Industries Ltd. (TIH), and Park Lawn Corporation (PLC) in my RRSP portfolio. Although I recently canceled my annual Stockopedia subscription due to cost constraints, I still plan on re-subscribing for a monthly plan later in the year.

I also registered impressive gains from investments in Methanex Corporation (MX) +217.78%, Enbridge Inc. (ENB) +65.51%, Pembina Pipeline Corporation (PPL) +64.74%, and TC Energy Corporation (TRP) +32.73%. Although I've never invested large sums at once, my portfolio has steadily gained value over time, thanks to my exposure to the oil sector.

Meet the Canadian ETF with a 14.25% yield: Hamilton Enhanced U.S. Covered Call ETF (HYLD)

The TSX ended last Friday's trading session at 20,700 points, but my current investments are not as favorable as they were on January 17. Consequently, I won't be making any changes to my investment portfolio this weekend. My non-registered portfolio ended last week at $146,962.46, my RRSP stocks-only portfolio at $64,070.80, my TFSA portfolio at $125,725.53, and my US portfolio at $5,132.81. My margin debt stands at over $46,800.

Following the Bank of Canada's recent interest rate hike, National Bank Direct Brokerage also raised their interest rate for margin accounts to a steep 8%. Although this is a challenging rate, I consider my margin debt to be low at less than $50,000. I have decreased my margin usage from over $100,000 in the past, which has helped me feel more in control. I'm not worried about the 8% interest rate since I have been holding margin debt for many years and declaring the interest as financial fees on my taxes.

I currently have over $15,000 in savings, with a goal to reach over $20,000 by the end of May by following a strict budget. I have taken into account all major expenses, including gifts for my father's birthday in February and mother's in March. I plan on giving my father a Tim Horton's gift card and a few lottery tickets. My mother likes skincare products, so I was thinking about the Caudalie The Rich cream as a gift for her.

I recently came across advertisements for Hamilton ETFs, including Hamilton Enhanced U.S. Covered Call ETF (HYLD), which has a high yield of 14.25%. Despite the appealing yield, I generally avoid investments with high dividend yields and this ETF also has heavy exposure to the volatile US technology sector. Additionally, HYLD has limited history, only trading on the TSX since February 2022. However, its performance has followed the S&P 500. I wouldn't invest a large sum in HYLD, but I am comfortable considering a smaller investment for its US exposure. My current US portfolio includes stocks like Berkshire Hathaway Inc., General Mills Inc., Vanguard Russell 1000 Growth Index Fund, and Pfizer Inc.

Welcoming an annual dividend income of $12 095.87

The TSX closed the day still in the 20,600 points. Today was what I qualified as being a usual day on the stock market. My non-registered portfolio closed the day at $148,182.58, my US portfolio at $5,122.83 US, my RRSP stocks-only portfolio at $64,434.77, and my TFSA portfolio at $126 533,49. Personally, I like to watch the TSX every business day, and most of the time, I have a look at my investment portfolios almost every day. I like to watch the stock market going, and I like to see where my numbers are at on a day-to-day basis. It's been said that "retail investors" - I actually really dislike that term - that us, so call retail investors, shouldn't take a look at our investment portfolio on a daily basis. That advice is really wrong.

I think it's important for investors, big or small, to follow the stock market. By watching it, you can kind of experience it for yourself a bit more. You never know what to expect, but you have to accept that reality if you want to invest in stocks. By looking at my TFSA portfolio, I just came to the realization today that my investment in Boyd Group Services Inc. (BYD) is doing much better these days, but I am still at a loss of -3.10% when it comes to BYD. Back in the day - don't ask when exactly because I couldn't tell exactly, but back in the day, BYD was a Derek Foster stock. I always like to hold some stocks that he holds inside his own portfolio.

Today, I update my dividend income sheet. It's a simple Excel sheet that I keep updated for my dividend income. Before, I had a little booklet in which I wrote everything, but now, I prefer an Excel sheet. At least the sums being generated by each investment get to be calculated automatically, it simplifies things. My annual dividend income is now almost in the $12,100. I am short by just a few dollars.

Recently, Algonquin Power & Utilities Corp. (AQN) cut its dividend distribution. I own a very small amount of AQN shares in my TFSA portfolio, so this isn't bothering me too much. I bought AQN because it's a Derek Foster stock. 

Today, both Metro Inc. (MRU) and Canadian National Railway Co (CNR) came with some very good news for their investors. Both companies increased their dividend distribution and guess what, I hold to both MRU and CNR in my investment portfolio. That helped me to push me closer to the $12,100 annual dividend income. Canadian National Railway Co (CNR) is one of my major holders. I built my portfolio on high-quality stocks like CNR and MRU. This is why I have that amazing chart.

While investing, it's important to pick high-quality stock instead of investing massively in very high dividend stock payers like Algonquin Power & Utilities Corp. (AQN). Stocks like AQN that pay too high dividend yield are tempted to decrease their dividend income for whatever reason, whenever, and when such companies do so, the value of their stock drop. I don't mind being adventurous from time to time with stocks like AQN, but you should never consider too high dividend stocks as major holdings for your portfolio. That's my opinion and only mine to share.

See the Dividend Girl chart for yourself

From January 9 to 17, I just kept publishing portfolio updates after portfolio updates, happily welcoming nice gains every single day during that period. But now, the party is over. It was just a matter of time. This period was just a super weird one. It simply just doesn't make any sense at all. It's because of those types of events and so many others that I stopped even trying to understand the stock market. It's what works best for me, ignorance. And the willingness to keep it that way.

The TSX closed this past Friday's session with a good 20,503.21 points. My non-registered portfolio closed the session at $148,793.61, my US portfolio at $5,124.66 US, my RRSP stocks-only portfolio at  $64,175.20, and my TFSA portfolio at $125,777.06. 

I am not very active on social media. I already spend a lot of time in front of my laptop for my job and add to this, my blog and not to forget, my investment portfolio... At the end of the day, it makes a lot of time to spend online. However, I cannot help it, when I began to notice that I was receiving some traffic coming from Twitter, so I need to check it out.

And this is what I find, over here:

Here's a closer look at this wonderful, super amazing chart of mine!

I appreciate seeing my historic like this. During all those years, I think what really help to boost the value of my net worth is the fact that I always invested during the TSX downturns. When well invested,  a little amount of money invested can go a very long way.

Making 2023 the year for a $20,000 in savings

It's now official, I am back in the $361,000 net worth! I am really only missing a few dollars before hitting back my highest net worth value ever, $361,442.42. This is quite fascinating because the TSX just keeps on going. Day after day, the TSX closed on a few more gains after a few more gains. It's somewhat obvious that this is not going to stay this way for very long. Major businesses announced lately some layoffs. It's been said that Microsoft is getting ready to announce some massive layoffs.

In my investment portfolio update posts, what I design under the name of "cold cash" at the beginning of each little report is the actual amount of money that I have in savings. I will be in New Brunswick until probably the month of April or May. Currently, I have over $13,000 in savings. I had planned to reach the $20,000 by the end of May. But in order to do so I need to remain very calm with my spending. I can make it for the month of May, but it will take all that I can, including the dividend distribution earned inside my TFSA for the period of January to May. It won't be an easy task. 

Talking dividends, today I received some nice dividend distributions coming from BCE. 

Time like we are living right now, with a stock market accumulating gain, for now, several days, while we are still actively fighting against inflation and, at the same time, major businesses across the US are announcing massive layoffs, I mean all of this doesn't make any sense. One major problem is that the TSX is exceeding the 20,000 and is fast driving over the 20,500 points while everything from the outside seems to be chaotic.

I began to invest in stocks shortly before the 2008 stock market crash so I can say that I can deal with market volatility, but one thing is for sure, I will be careful with my money and my spending in the months to come - more than I ever did before. While the TSX had been experiencing gains for several days in a row, I am not looking forward to investing in stocks. I really don't feel like investing in anything right now and this is quite a new feeling for me, not to me on the hype to find some new stocks to invest in, or in anything really.

I am taking this opportunity to save as much as I can and build up my savings. I never had too much in savings because I always invested what I had at my disposal. Now that I am getting a bit older, I want to be a smart girl. A $20,000 in savings is reachable and I am looking forward to it.

My investment portfolio on date of January 17, 2023

Cold cash: $13,606.79

Stocks and Units investment portfolio $CAN 
Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
iShares S&P/TSX Capped REIT Index (XRE)
New Flyer Industries Inc. (NFI)
TMX Group Inc. (X)
K-Bro Linen Inc. (KBL)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Enbridge Inc. (ENB)
Emera Inc. (EMA)
Loblaw Companies (L)
Savaria Corporation (SIS)
WSP Global Inc. (WSP)
George Weston Limited (WN)
Power Corporation of Canada Subordinate Voting Shares (POW)
BCE Inc. (BCE)
Canadian Imperial Bank Of Commerce (CM)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
TOTAL: $149,366,91
 
Stocks and Units investment portfolio $US:
Berkshire Hathaway Inc. (BRK.B)
General Mills Inc. (GIS)
Vanguard Russell 1000 Growth Index Fund (VONG)
Pfizer Inc. (PFE) 
TOTAL: $5,304.57 US: $7,119.26 CAN 
 
Tax-free savings account (TFSA):
Dumont Nickel Inc. (DNI)
CT Real Estate Investment Trust (CRT.UN)
Canadian National Railway Co (CNR)
Exchange Income Corporation (EIF)
Brookfield Infrastructure Partners L.P. (BIP.UN)
Brookfield Renewable Energy Partners L.P. (BEP.UN)
Andrew Peller Limited (ADW.A)
Toronto-Dominion Bank (TD)
Boyd Group Services Inc. (BYD)
Canadian Apartment Properties Real Estate Investment Trust (CAR.UN)
Data Communications Mgmt (DCM)
Royal Bank of Canada (RY)
Park Lawn Corporation (PLC)
Toromont Industries Ltd (TIH)
BCE Inc. (BCE)
Boralex Inc. Class A Shares (BLX)
Savaria Corporation (SIS)
Northland Power Inc. (NPI)
Calian Group Ltd. (CGY)
Canadian Utilities Limited (CU)
WSP Global Inc. (WSP)
Granite Real Estate Investment Trust (GRT.UN)
Cargojet Inc. (CJT)
Nutrien Ltd. (NTR)
TFI International Inc. (TFII)
Canadian Imperial Bank Of Commerce (CM)
SIR Royalty Income Fund (SRV.UN)
ATCO Ltd. (ACO.Y)
Aecon Group Inc. (ARE)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
Metro Inc. (MRU)
Alimentation Couche-Tard Inc. (ATD.A)
Fortis Inc. (FTS)
CGI Inc. (GIB.A)
TMX Group Limited (X)
Brookfield Infrastructure Corporation Class A Exchangeable Subordinate Voting Shares (BIPC)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Suncor Energy Inc. (SU)
Rogers Communications Inc. (RCI.B)
Telus Corp (T)
JFT Strategies Fund Class A Units (JFS.UN)
Bitcoin Fund The Class A units (QBTC)
Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B)
3iQ CoinShares Ether ETF (ETHQ)
Tilray Inc (TLRY)
North West Company Inc. (The) (NWC)
Bank of Nova Scotia (BNS)
National Bank of Canada (NA)
Stelco Holdings Inc. (STLC)
Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A)
Saputo Inc. (SAP)
Labrador Iron Ore Royalty Corporation (LIF)
Intertape Polymer Group Inc. (ITP)
Parex Resources Inc. (PXT)
Wescan Energy Corp. (WCE)
Verde Agritech Plc Ordinary Shares (NPK)
Wajax Corporation (WJX)
Whitecap Resources Inc. (WCP)
Goodfellow Inc. (GDL)
Algonquin Power & Utilities Corp. (AQN)
TOTAL: $126,395.52

RSP investment portfolio: 
Emera Incorporated (EMA)
Ovintiv Inc. (OVV)
Toronto-Dominion Bank (TD)
Telus Corp (T)
Royal Bank of Canada (RY)
Savaria Corporation (SIS)
Thomson Reuters Corporation (TRI)
Park Lawn Corporation (PLC)
Richards Packaging Income Fund (RPI.UN)
Toromont Industries Ltd (TIH)
CAE Inc. (CAE)
CGI Group Inc. Class A Subordinate Voting Shares (GIB.A)
Boralex Inc. Class A Shares (BLX)
Quebecor Inc. (QBR.B)
Logistec Corporation Class B Subordinate Voting Shares (LGT.B)
Brookfield Renewable Partners L.P. (BEP.UN)
Leon's Furniture Limited (LNF)
Bank of Nova Scotia (BNS)
Brookfield Renewable Corporation Class A Exchangeable Subordinate Voting Shares (BEPC)
Cascades Inc. (CAS)
JFT Strategies Fund Class A Units (JFS.UN)
AirBoss of America Corp. (BOS)
Suncor Energy Inc. (SU)
Pender Growth Fund Inc. (PTF)
Rogers Communications Inc. Class B Non-voting Shares (RCI.B)
ATS Automation Tooling Systems Inc. (ATA)
Algoma Central Corporation (ALC)
Finning International Inc. (FTT)
Guardian Capital Group Limited (GCG)
Information Services Corporation Class A Limited Voting Shares (ISV)
Interfor Corporation (IFP)
Maple Leaf Foods Inc. (MFI)
National Bank of Canada (NA)
Nutrien Ltd. (NTR)
Open Text Corporation (OTEX)
Taiga Building Products Ltd. (TBL)
Vitreous Glass Inc. (VCI)
Power Corporation of Canada Subordinate Voting Shares (POW)
North West Company Inc. (The) (NWC)
Whitecap Resources Inc. (WCP)
Parex Resources Inc. (PXT)
North West Company Inc. (The) (NWC)
Wajax Corporation (WJX)
Canadian Imperial Bank Of Commerce (CM)

Total: $64,748.72

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,411.90

Others: $1,159.90

NBI Income Fund: $1,248.19
 
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: $8 298,72
 
Other various: $32,177.19
 
TOTAL: $111,044.62
 
Social Capital at Desjardins Membership share: $35
Online money: $38.77
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
TOTAL: $407,606.87
On the date January 17, 2023