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Friday, December 29, 2023

My investment portfolio on date of December 29, 2023

Cold cash: $2,771.87

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)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
Toronto-Dominion Bank (TD)
Canadian Imperial Bank Of Commerce (CM)
Royal Bank of Canada (RY)
Alaris Equity Partners Income Trust (AD.UN)
Ag Growth International Inc. (AFN)
BCE Inc. (BCE)
National Bank of Canada (NA)
Telus Corp (T)
TOTAL: $141,564.06

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) 
CSX Corporation (CSX)
Brookfield Infrastructure Corporation (BIPC)
TOTAL: $5,172.54 US: $6,857.75 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)
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)
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)
Pembina Pipeline Corporation (PPL)
TransCanada Corp (TRP)
A&W Revenue Royalties Income Fund (AW.UN)
Total Energy Services Inc. (TOT)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Power Corporation of Canada Subordinate Voting Shares (POW)
Alaris Equity Partners Income Trust (AD.UN)
Westshore Terminals Investment Corporation (WTE)
Finning International Inc. (FTT)
Element Fleet Management Corp. (EFN)
Ninepoint Energy Income Fund ETF (NRGI)
Chemtrade Logistics Income Fund (CHE.UN)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
TOTAL: $135,733.85

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)
Wajax Corporation (WJX)
Canadian Imperial Bank Of Commerce (CM)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
TMX Group Limited (X)
iA Financial Corporation Inc. (IAG)
Ninepoint Energy Income Fund ETF (NRGI)
Ivanhoe Mines Ltd. (IVN)
ARC Resources Ltd. (ARX)
Sprott Physical Gold Trust (PHYS)
Total: $64,477.89

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,478.92

Others: $1,159.90

NBI Income Fund: $1,284.26

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: $8,755.10

Other various: $40,427.31

TOTAL: $119,583.38

Social Capital at Desjardins Membership share: $35
Online money: $76.34
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
TOTAL: $406,622.25

On date of December 29, 2023

My debt situation on date of December 29, 2023

Margin Account Debt: $25,693.10 at 8.50%

Annual Interest: $2,183.92

As of December 29, 2023

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

Wednesday, December 27, 2023

Historic of my Total assets and Net worth values on date of December 27, 2023

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 - HIGHEST NET WORTH EVER
Total in assets: $402,432.82/Net worth: $376,538.56: December 13, 2023 - first time I ever hit the 376k!
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 December 27, 2023

Cold cash: $2,822.90

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)
Brookfield Asset Management Inc. Class A Limited Voting Shares (BAM.A)
Toronto-Dominion Bank (TD)
Canadian Imperial Bank Of Commerce (CM)
Royal Bank of Canada (RY)
Alaris Equity Partners Income Trust (AD.UN)
Ag Growth International Inc. (AFN)
BCE Inc. (BCE)
National Bank of Canada (NA)
Telus Corp (T)
TOTAL: $144 044,23

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) 
CSX Corporation (CSX)
Brookfield Infrastructure Corporation (BIPC)
TOTAL: $5,162.20 US: $6,881.73 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)
Pembina Pipeline Corporation (PPL)
TransCanada Corp (TRP)
A&W Revenue Royalties Income Fund (AW.UN)
Total Energy Services Inc. (TOT)
Empire Company Limited Non-Voting Class A Shares (EMP.A)
Power Corporation of Canada Subordinate Voting Shares (POW)
Enbridge Inc. (ENB)
Alaris Equity Partners Income Trust (AD.UN)
Westshore Terminals Investment Corporation (WTE)
Finning International Inc. (FTT)
Element Fleet Management Corp. (EFN)
Ninepoint Energy Income Fund ETF (NRGI)
Chemtrade Logistics Income Fund (CHE.UN)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
TOTAL: $135,461.59

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)
Wajax Corporation (WJX)
Canadian Imperial Bank Of Commerce (CM)
Hamilton Enhanced U.S. Covered Call ETF (HYLD)
TMX Group Limited (X)
iA Financial Corporation Inc. (IAG)
Ninepoint Energy Income Fund ETF (NRGI)
Ivanhoe Mines Ltd. (IVN)
ARC Resources Ltd. (ARX)
Sprott Physical Gold Trust (PHYS)
Total: $64,230.30

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,456.73

Others: $1,159.90

NBI Income Fund: $1,274.44

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: $8,711.42

Other various: $40,152.75

TOTAL: $118,985.54

Social Capital at Desjardins Membership share: $35
Online money: $76.34
Savings + Stocks, units, mutual funds + Tax-free Savings account + RRSP:
TOTAL: $408,307.33

On date of December 27, 2023 

My debt situation on date of December 27, 2023

Margin Account Debt: $28 208,20 at 8.50%

Annual Interest: $2,397.70

As of December 27, 2023

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

Monday, December 25, 2023

My 2023 financial year in review

With only a few days left in 2023, now is a good time to reflect on how things went this year, considering the ongoing impact of COVID. The TSX closed this past Friday's session at a satisfying 20,881.19 points. On those positive numbers, my non-registered portfolio closed at $143,247.83, my US portfolio at $5,150.63, my RRSP stocks-only portfolio at $63,830.84, and my TFSA portfolio at $134,573.77. Although my overall results are not as strong as of December 14, when I reached my highest net worth ever of 380k, my TFSA portfolio closed Friday higher than ever. It's been enjoyable to watch my investment portfolio perform well in the past couple of weeks. Overall, 2023 has been a very good year for me, with other peak net worth moments in April at 373k on April 21, 2023, and $370k on April 13, 2023.

Considering that I started the year 2023 with a net worth of $337,875.65, my net worth is now probably around $380k. This reflects a gain of over $40,000 for the year, representing approximately +12.5%. Notably, this outperforms the TSX, which has seen a 7.72% gain so far this year. While it's always satisfying to beat the market, my primary goal in investing is not just to outperform the TSX but to build a portfolio for the long run that provides a reliable dividend income.

I did well in paying down my margin account debt, but as a result, I don't have much cash reserve. I started the year with a $46,658.58 debt at 7.75%, and my margin account debt is now at $28,208.20 at 8.50%. It was recently within the $25k range, but I had some expenses and withdrew money from my margin. I should be able to bring my margin debt back to $25k by mid-January. Despite spending a lot in November and December, I'm currently on a financial break, especially considering the winter in New Brunswick. I'm unsure how long I'll stay here, but for now, things are stable.

Dealing with a $25k debt is both a lot and not that much. I can envision paying off that debt in 2024, but it will require considerable effort. My overtime earnings, which I frequently do, will go entirely towards that debt, as well as all dividend income that doesn't DRIP, amounting to roughly $7,000.

Here's a breakdown of my financial scenario:

Income for 2024:
Annual possible income after tax, with overtime: approximately $43,500
Dividend income that doesn't DRIP: $7,100
Total income: $50,600

Annual expenses for 2024:
Rent: $8,760 ($730 per month - that could eventually get increase later on unfortunately in 2024)
Clothes wash: $240
Cell: $360
Internet and cable: $998.16
Netflix: $84
Crave: $75
Groceries: $6,240
Travel to NB: $1,032.40 (4 times a year at least, $258.10)
Vacation money: $6,000 (I know it seems a lot, but let's go a little bit crazy in 2024)
Clothes: $1,400 (around $500 per season, skipping winter because I have everything I need for next year)
Others (coffees, eating out and others): $3,000
Health expenses: $700
Driver's license renewal: $80 (about)
Extra income taxes: $500
Hairdresser: $350
Highlights, once a year: $250 (approximately)
Tenant insurance: $350 (could be a bit higher for 2024)
Income taxe declaration: $120 (more or less)
Banking fees: $94.80
Total expenses: $30,634.36

Expenses ($30,634.36) - Income ($50,600) = $19,965.64, which I will have available to put toward my margin debt.

Considering my margin debt will be at $25k by mid-January, I won't have exactly enough to cover it. Despite my good income, taxes take a significant portion, and managing expenses is crucial. By being mindful of my spending, I might be able to reduce my expenses and come close to covering the full $25k in debt repayment. Even if I'm left with a margin debt of $6k by the end of 2024, it's a manageable situation worth pursuing. The more I delve into this debt repayment scenario, the more I see it as a two-year plan instead of just one year.

Other than putting in some overtime, I've thought about selling a piece of jewelry I own but never wear. It's a sophisticated bee brooch with sapphires that I purchased a while ago. I've never worn it because brooches aren't really my style, and I'm concerned I might lose it if I do. It's challenging to estimate how much I could get for it—perhaps around $1,500? It looks similar to this.

I could get my hands on $3,000, and maybe a bit more once one of my ETF crypto holdings recovers. For a little while, I was actively trading crypto ETFs until I couldn't sell them for a profit anymore. That's why I still hold the following ETFs in my TFSA portfolio: Bitcoin Fund Class A units (QBTC), Purpose Bitcoin ETF CAD ETF non-currency hedged units (BTCC.B), and 3iQ CoinShares Ether ETF (ETHQ).

It's all I can think of at the present time regarding how I can possibly pay off the remaining balance of my margin account debt, which is currently around $28,000. Let's just hope that 2024 will bring many dividend increases and a lot of fun!

Friday, December 15, 2023

Historic of my Total assets and Net worth values on date of December 14, 2023

 2023

Total in assets: $406,167.92/Net worth: $380,273.66: December 14, 2023 - HIGHEST NET WORTH EVER
Total in assets: $402,432.82/Net worth: $376,538.56: December 13, 2023 - first time I ever hit the 376k!
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).  

 

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