My investment portfolio on date of April 2, 2025

Savings: $10,382.06

Stocks and Units investment portfolio $CAN 

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)

South Bow Corporation (SOBO)

Canadian National Railway Co (CNR)

Enbridge Inc. (ENB)

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)

National Bank of Canada (NA)

Telus Corp (T)

TOTAL: $157,465.40

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)

Nu Holdings Ltd. (NU)

TOTAL: $6,509.43 US: $9,287.65

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)

Toromont Industries Ltd (TIH)

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)

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)

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)

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)

Bank of Nova Scotia (BNS)

Emera Inc. (EMA)

Kraken Robotics Inc. (PNG)

Brookfield Corporation Class A Limited Voting Shares (BN)

Innergex Renewable Energy Inc. (INE)

TOTAL: $127,420.45

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)

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)

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)

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)

Keyera Corp. (KEY)

ADENTRA Inc. (ADEN)

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

Bank of Nova Scotia (BNS)

Pembina Pipeline Corporation (PPL)

Manulife Financial Corporation (MFC)

Ag Growth International Inc. (AFN)

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

Morguard North American Residential Real Estate Investment Trust (MRG.UN)

Russel Metals Inc. (RUS)

Canadian Natural Resources Limited (CNQ)

Dynacor Group Inc. (DNG)

Calian Group Ltd. (CGY)

Alimentation Couche-Tard Inc. (ATD)

Canadian Western Bank (CWB)

Capital Power Corporation (CPX)

Stantec Inc. (STN)

Topaz Energy Corp. (TPZ)

Alaris Equity Partners Income Trust (AD.UN)

Wescan Energy Corp. (WCE)

Goodfellow Inc. (GDL)

ATS Corporation (ATS)

Parkland Corporation (PKI)

Total: $87,602.50

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $4,001.93

Others: $1,159.90

NBI Income Fund: $1,364.50

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: $10,345.32

Other various: $57,147.17

TOTAL: $161,621.32

Social Capital at Desjardins Membership share: $35

Online money: $22

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

TOTAL: 

$466,233.88

On date of April 2, 2025

Welcoming the month of April in Montreal!

It’s now my second week in Montreal. Basically, I went from this—somewhere in New Brunswick—to this:

To this, Montreal:

In Montreal, The Bay is my favorite store, followed by Simons and Uniqlo. The Bay is located right downtown in an iconic building. I was quite sad to learn about The Bay’s financial distress. I had a gift card, so I went and spent it. I bought a nice top and a pair of sandals. The sandals weren’t on a super bargain sale, but I didn’t want to lose the money on my gift card.

Recently, I also bought a really nice black Calvin Klein trench coat and another Ralph Lauren trench in a great khaki green at Winners. I adore Ralph Lauren—it’s definitely my favorite designer. I own a few Ralph Lauren pieces: a blazer, a few t-shirts (which I call shoulder t-shirts), a pair of jeans, a summer dress, and now a spring jacket. I had a great spring coat from The Bay that I bought many years ago, but the interior started deteriorating, so I treated myself to a new one. Winners is a great place to shop for clothes, though I’ve never been lucky enough to find a good pair of shoes there. I know Ralph Lauren and Calvin Klein are U.S. brands, but at some point, a girl needs to put clothes on her back.

It always takes me a little time to adjust when coming back to Montreal, especially after spending the months from mid-October to mid-March in New Brunswick. This year, my father celebrated his 75th birthday (I’ll be turning 45 in August!). I wanted to stay at least until his birthday, and then my mom’s birthday followed shortly after, so I waited until after both their birthdays to return to Montreal. Coming back always comes with a bit of stress from leaving my old folks behind, but at the same time, I’m quite happy to be in my little apartment, enjoying my own space.

I'm trying to build a new routine. Yesterday was the first time I went to the gym in a long time. When I’m in New Brunswick, especially during the winter, I can’t go to the gym as much as I’d like. I also can’t go out or shop as often as I want. So being in Montreal comes with a lot of perks. One thing that affects my health when I’m in New Brunswick is that I basically live at the same pace as my old folks, and I don’t get to exercise as much as I should. And I cannot simply do whatever I want while spending the winter with them.

Last night marked my first day back at the gym. I managed to burn 600 calories in 57 minutes on the elliptical. I kept my eyes on the timer the whole time—goal achieved, 600 calories in 60 minutes. I’m not totally out of shape, but I definitely need to get more active. Let see if I can make it to 600 calories withing 55 minutes this evening. I usually prefer going to the gym in the evening. I am not a morning person—at all.

Now that I’m back in Montreal, I recently ordered a copy of Derek Foster’s new book, God and Santa. It’s obviously not one of his usual financial books, but I wanted to read it. You can learn more about it here: https://godandsanta.com/about-the-book/

Since returning to Montreal, I’ve already spent quite a bit of money, but it was expected. I went straight to the hairdresser as soon as I arrived—I badly needed a haircut. Of course, I also went shopping. I went to the movies and saw The Monkey by Stephen King. I highly recommend it. It’s a horror movie, but it’s funny—you’ll laugh out of disgust, if that makes any sense!

As for savings, I closed March with exactly $10,382.06. I submitted my tax return early and hope to get $5,000 back, though that might be a bit optimistic. I should be able to reach $15,000 in savings by June, or even more, depending on my tax refund.

The stock market remains volatile, and I think it will unfortunately stay that way for a while—possibly the next four years… But today was a good day. The TSX closed at a satisfying 25,033.28 points (+0.46%). Anything above 25,000 points is reassuring, considering the mess that is the U.S. government. Thanks to the idiots’ club, I estimate my current net worth to be around $464,000. My highest net worth ever was back in January of this year, at $469,813.55. Right now, I have everything I need to reach the $500K mark with ease. My portfolio isn’t just a portfolio—it’s a work of art, absolute perfection. But thanks to the U.S., I have no idea when I’ll be able to make my dream come true, and that’s frustrating. Nearing $500K, my net worth is finally starting to look like something interesting.

Here’s how my numbers looked at today’s market close:
Non-registered portfolio: $155,270.14
U.S. portfolio: $6,485.04 USD
RRSP portfolio (stocks-only): $87,226.57
TFSA: $126,350.25

My numbers remain solid, but investing in stocks isn’t an easy task these days. I still have over $13K in cash sitting in my RRSP portfolio, quietly waiting to be invested. And that’s okay—I’ll have cash ready when the TSX drops again.

Earlier, I received an email saying that I was featured in the 10 Best Canadian Dividend Blogs and Websites of 2025 on FeedSpot: https://bloggers.feedspot.com/canadian_dividend_blogs/

How cute is that?

I don’t know about you, but lately, I’ve been stuck on this song—I love it so much! Good job, North West! The other songs on FKA Twigs’ album are quite different and don’t have the same pop/dance vibe. But this one? That’s my song of the moment! I must admit that I didn't know FKA Twigs before hearing this cool song.