My investment portfolio on date of January 19, 2013

Savings: $11.69

Non registered Investments:
Stocks and Units investment portfolio $CAN
Sprott Inc. (SII): $4 183.65
Timminco (TIMNF): $0.20
Blue Note Mining (BNT): $4
Bank of Nova Scotia (BNS): $6 364.60
Hanwei Energy Services (HE): $27
Methanex Corporation (MX): $3 294.97
Fortis Inc. (FTS): $3 759.41
Pembina Pipeline Corporation (PPL): $13 458.06
Just Energy Group Inc. (JE): $8 090
Pengrowth Energy Corporation (PGF): $1 110.90
Enbridge Income Fund Holdings Inc. (ENF): $8 426.34
Corby Distilleries Limited (CDL.A): $2 156.25
Davis + Henderson Corporation (DH): $4 620.24
Premium Brands Holdings Corporation (PBH): $7 672.76
EnCana Corporation (ECA): $3 995.68
iShares S&P/TSX Capped REIT Index (XRE): $2 642.64

Horizons Gold Yield Fund (HGY): $1 865.07
Canfor Pulp Products Inc. (CFX): $1 083.24
New Flyer Industries Inc. (NFI): $1 928.16
Exchange Income Corporation (EIF): $8 814.96
Rogers Sugar Inc. (RSI): $568.10
Student Transportation (STB): $1 408.12
Colabor Group Inc. (GCL): $872.10
TMX Group Inc. (X): $421.28
Data Group Inc. (DGI): $1 507.68
K-Bro Linen Inc. (KBL): $2 999
Westshore Terminals Invest Corp (WTE): $5 712
Westernone Inc. (WEQ): $3 363
Atlantic Power Corp (ATP): $2 963.35
First Majestic Silver Corp (FR): $1 895
Kinross Gold Corp (K): $1 426.95
TransCanada Corp (TRP): $1 222.75
Canadian National Railway Co (CNR): $3 780.80
Firm Capital Mortgage Investment Corporation (FC): $558.40
Sprott Strategic Fixed Income Fund (SFI.UN): $437.50
Enbridge Inc. (ENB): $1 236.2
Agrium Inc. (AGU): $2 770.82
Canadian Utilities Limited (CU): $1 565.55
Veresen Inc. (VSN): $825.66
Chorus Aviation Inc. (CHR.B): $658.32

Crescent Point Energy Corp (CPG): $848.10
JFT Strategies Fund (JFS.UN): $1 918
Keg Royalties Income Fund (KEG.UN): $748

Geovencap Inc. (GOV): $1

Healthlease Properties Real Estate Investment Trust (HLP.UN): $1 127

Bombardier Inc. (BBD.B): $535.60

Heroux-Devtek Inc. (HRX): $517.55

Black Diamond Group Ltd (BDI): $566.50

Emera Inc. (EMA): $900.75

TOTAL: $126 853.21

Stocks and Units investment portfolio $US:
Sprott Physical Silver Trust ET (PSLV): $1 990.76
Cash: $4.12

TOTAL: $1 994.88

Tax-free savings account (TFSA):
EnerCare Inc. (ECI): $25.59
Dumont Nickel Inc. (DNI): $632.50
Sprott Physical Silver Trust UTS (PHS.U): $2 580.60
Cash: $5.60

TOTAL: $3 244.29

RSP investment portfolio:
Sprott Canadian Equity Fund: $4 822.32
Claymore Gold Bullion ETF (CGL): $5 090.28
EnCana Corporation (ECA): $1 978.63
Emera Incorporated (EMA): $7 998.66
Sprott Physical Silver Trust UTS (PHS.U): $860.20
Cash: $6 044.95

CIBC Dividend Growth Fund: $594.94
CIBC Emerging Markets Index Fund: $332.92
CIBC Monthly Income Fund: $1 066.24

Energy and Base Metals Term Savings (Indexed term savings): $577.30
Natural Resources Term Savings (Indexed term savings): $502.06

GIC National Bank: $1 227.70
GIC Plus TD: $500

Maritime Life International Equity Fund
(Templeton): $584.15
Manulife Simplicity Growth Portfolio: $926.87
Maritime Life CI Harbour Seg Fund: $1 100.31
Maritime Life Fidelity True North Seg Fund: $1 064.82
Manulife GIF MLIA B World Invest: $703.16

Great-West – various: $1 957.04
Various other mutual funds: $675

TOTAL: $38 607.55

Social Capital at Desjardins Membership share: $40

Savings + Stocks, units, mutual funds + Tax-
free Savings account + RRSP + Online Income
($112.43):
$170 864.05

Welcome in my non-registered portfolio Emera Inc. (EMA)!

I don’t know for you, but in my world, Mondays always sucked. And this Monday was one of those Monday. I wake up late so I did not even eat breakfast home – which makes me spend money. What a great way to begin the day! But I have my lunch at least. And since I wake up late, I haven’t place my automatic purchase order for my investment in Emera Inc. (EMA). In result, I added in some Emera Inc. (EMA) stocks in my portfolio only today.... You know how it goes around here... let’s make some NOISE and make Emera Inc. (EMA) feels like home. Now, Emera Inc. (EMA) belong in my non-registered portfolio for the rest of my life, which should be around 50 years or so of it I guess.

In result of the trading activity of today, my non-registered portfolio is at a very good $126 259.84. This is quite exciting because I don’t remember having that much in my non-registered portfolio never ever. So this is a score! AND... Are you ready?

My non-registered portfolio is in the positive gain!!! I am at +0.89%!!!

The positive gain is low, but just told yourself that, at least, it’s in the positive mark.

I have used $50 793.40 of my margin account and I have left an amount of $17 499.70. Those two numbers are on date of yesterday. I have some interesting dividend income that had come in, so my margin could be less than the number above. My goal was not to exceed the 50k on the margin and to have a 15k left on it. I am pretty closed of my numbers for now.

It would be important to decrease my usage of my margin. A 50k is a bit high. In the eventually of a bear market coming in, it could be a good idea to inject a few thousands on my margin account. It’s terribly hard to find a balance between investing and paying debt when you are a secretly ambitious stock investor. (I am writing secretly because between you and me, no one else know).

It’s very hard because I only want my dividend income and portfolio to grow grow grow. And with this all today recent 0.89% (ALMOST 1% READERS!!!) gain, the excitement make me wanted some more. Will this ever stop? Probably not! Unless... I get pregnant and meet a nice gentleman. Will it ever happen to me? If it goes, forget about investing any longer at such space. I once asked my mom why her and my dad didn’t have more money than that. Well, the answer was: we give it all to you (me and my bro). And you know what, raising a family is expensive. So if in my life I ever find love, there probably be no longer blogging, no more sexy over here, sexy over there, moron over here, moron over there. There will be no more social exhibition. If it happen, you’ll probably going to miss me a lot, I know.

Until there, I will be rocking on that place.

Gordon Pape's Enerplus Corporation (ERF) is a stock for losers

I received another paycheck this week and I have available exactly $1 110 in fresh new cash at my disposal for investment purposes. For some people, this could feel like a ridiculous low amount of money, but for me, that’s quite amazing to have the privileged to have more than a 1k available to do whatever I want with it. As an individual, like anybody else, I am capable of the worst and the best of anything. But the perfection in me had made myself so sexy perfect that I am able to save save save hundreds and hundreds of dollars every single month of my so enjoyable life. But don’t take my every word. Living in Quebec province for a proud patriotic Canadian like myself can be the desert. The sorrow of my life is to be stuck in a place that I don’t want to be, to be stuck in a place that elected Pauline Marois government. I want my life to be perfect and as a perfect Canadian, I want to be able to feel that I belong to a patriotic environment and it’s truly not the case while living in Montreal. Here in Montreal, I am nothing. I am a Canadian living in Bosnia.

So for all of you that have still the choice, for all future university students that might be reading me, think twice before even thinking to move to Quebec province. You’ll be tax more on your living and on top of that, you may not be able to graduate on time. See what I am talking about? Quebeckers are dangerous people and are able of the worst. They have ruined the economy of their province and now, they are looking forward to make of their own shit a country of their own – very good for them. But be aware that everything you acquired in Quebec doesn’t have any real values in the Canadian world. Corruption is the country of Quebeckers and you are way better to stay outside of it and stay as far as possible from anything related to Quebec government. Quebec is poison.

This being said, I am not in depression, I am not an alcoholic, I don’t do drug, I don’t prostitute myself. I won’t let Quebeckers kill me, but instead, I play hard. Very hard. LOL

I am staying strong, you know the drill – you know the chick anyway. And now come the real exciting part. Forget about all the Quebec shit. Now is coming the real interesting part. The reasons why you are reading my every word and the reason why you belong to me: what my next investment will be like? (I hope you liked the “you belong to me” part, because I really did).

Ok, so we first talked previously about getting my pretty hands on some awesome Emera Inc. (EMA). A reader recently suggested Cervus Equipment Corp (CVL). Apparently, this investment is hold by the Mister Jean-François Tardif. I don’t know if its true, I didn’t make any research but, what I do know is that Cervus Equipment Corp (CVL) could certainly be a new comer in my portfolio. Maybe not now, but later. CVL seems to be a good investment, the chart is nice and steady, not all over the place. The dividend is reasonable. 

Cervus Equipment Corp (CVL) is a much better choice than Gordon Pape’s poor stock pick Enerplus Corporation (ERF). In December of last year (2012), Gordon Pape wrote an article about this stock, saying that you know, you could have half of your portfolio in boring stuff like a GICs and sort term bonds and the other half could be invested in high dividend givers. 

Gordon Pape is actively promoting Enerplus Corporation (ERF). I am telling you this from the heart: look at the chart. On the long run, the chart is all ups, downs, even worse than the index. Enerplus Corporation (ERF) is all over the place, with no constancy and no direction. This is exactly the kind of investment you absolutely have to avoid. We are facing recession worldwide, this is not the time to play your money on the stock market. It’s time to build a strong portfolio with stuff you won’t have to never worry about. Now is the time to invest in quality stocks. And Enerplus Corporation (ERF) is not a quality stock. Its quite very scary that Gordon Pape came with that investment idea.

Gordon Pape is not protecting the middle class investors who are the vast majority of who are his readers. In time of insecurity, investors have to focus on quality. That’s something that is really hard to do when a so call financial guru is telling us that Enerplus Corporation (ERF) could be a good stock to any portfolio. With that level of inconsistency, Enerplus Corporation (ERF) seems to be very sensible to the volatility of the market. And while facing volatility, recession and whatever else, you need soldiers, you’ll need stocks that will protect the value of your portfolio. The soldiers are really hard to find. 

At first, because of its 8+% dividend yield, Enerplus Corporation (ERF) could appear appealing to middle class investors. But wake up. And shake it up for at least once in your life. Don’t be a fool, escape from the high dividend yield trap. Most of the time, the real soldiers, the quality stocks, offer a yield of less than 6%. Why is that? Well, companies sometimes are trying too hard to make themselves appealing to investors. In recent years, dividend investing had become fashionable. Most of the time, high dividend payers = what I have name among the way “troublemaker stock”. Over time, the capital invested in troublemaker stocks decreased in value and overtime, the company often struggle and reduced its dividend payment. When that happens, the stock often loses in value. See the big pictures?

It happen that Gordon Pape hold some Enerplus Corporation (ERF) stocks in his very own portfolio. As a senior citizen, it’s very an inappropriate investment that Gordon Pape has made in ERF. So don’t follow Gordon Pape every investment moves. I am way soo much better for explaining EVERYTHING to you.

Super stuff like those that I hold below ARE good investment picks. But don’t ask Gordon Pape too much. He won’t give all of those great stuff, but I will:

K-Bro Linen Inc. (KBL)
Westshore Terminals Invest Corp (WTE.UN)
WesternOne Equity Income Fund (WEQ.UN)
First Majestic Silver Corp (FR)
TransCanada Corp (TRP)
Canadian National Railway Co (CNR)
Enbridge Inc. (ENB)
Agrium Inc. (AGU)
Canadian Utilities Limited (CU)
Bank of Nova Scotia (BNS)
Methanex Corporation (MX)
Fortis Inc. (FTS)
Pembina Pipeline Corporation (PPL)
Enbridge Income Fund Holdings Inc. (ENF)
Corby Distilleries Limited (CDL.A)
Davis + Henderson Corporation (DH)
Premium Brands Holdings Corporation (PBH)
iShares S&P/TSX Capped REIT Index (XRE)
Exchange Income Corporation (EIF)
TMX Group Inc. (X)
Claymore Gold Bullion ETF (CGL)
Emera Incorporated (EMA)
Healthlease Properties Real Estate Investment Trust (HLP.UN)

The very only good investment pick I ever got from Gordon Pape was Firm Capital Mortgage Investment Corporation (FC).

You could think that the stock market is not a place to be for hot chicks (!!) or middle class or lower investors, but in my 5 years of investing in stocks, I only got richer among the way. And fact is, if you have the intelligence to ONLY and EXCLUSIVELY invest in high quality stocks and forget about stupid stuff like Gordon Pape’s Enerplus Corporation (ERF) and forget that high dividend stocks even exist, well, you’ll be on your way to become a millionaire at a very early age.

Personally speaking, I am not perfect, I got adventurous, a made money, lose money, but I had been able to equilateral ! the whole thing among the way. Now at a sexy 32 year old, I try to get myself on track and focus on quality stocks. And that’s why I have the privilege to announce you that I will soon get my pretty hands on some Emera Inc. (EMA) stocks so be ready.

The retirement calculator of TD Canada Trust

It’s still looking good for now. My non-registered is popping up on the $124 400. I gave a quick look at my stocks, everything seem to be fine. CHR.B is giving me awesome profits. I will take them as long it will last.

TD Canada Trust has a fun calculator tool. I adore online calculators. They let you imagine all kind of scenarios.... Like what if I make a 15% (!!!) per year from my investment, how I will have when I 45, 55 or 65?

I would qualify myself as being a good investor and in control but sometimes, I get adventurous and I guess at a point, even “good” investors can turn bad. Take for example Jean-François Tardif. He used to rock out the place. And now? His JFT Strategies Fund (JFS.UN) closed its first year on the market, the year 2012, at -6% or something like it. WHY?

Jean-François Tardif simply stops trying. He’s not as hard as he had been on himself because he no longer has Eric Sprott as boss. Now millionaire and on a more relax lifestyle, Jean-François Tardif is simply letting it go. And I am going to explain to you why we should all be doing the same: LET IT GO.

To be able to understand, we need to move back on that retirement calculator thing from TD Canada Trust.

First, play the game for real. Enter all the information needed in the section 1. About you.

Me: I am 32. I would to retire – let say 45.

I earn about 43k annually before tax.

NEXT.

2 – Retirement plan

How many years of retirement are you saving for? I enter 40.

How much income will you need for your desired retirement lifestyle? I enter $25 000.

If you expect to receive additional income after you retire, please enter it: I enter 0. But at a point, I guess at 67+, I will qualify for a small Canadian pension.

NEXT

3. Savings and investments

RSP accounts

How much have you saved? I enter $38 097.97

How much do you regularly contribute to these accounts? I enter 0 because I no longer contribute to my RRSP.

Other retirement savings and investments

How much have you saved? I enter $125 488.61 (non registered account + TFSA values on date of December 31).

How much do you regularly contribute to these accounts? I enter $1500 – Monthly. (realistic savings of 1k per month AND reinvestment of the dividend earn, $500. Even there, we could say $650 instead of $500, for a total of $1 650...)

4. Rate of Return

How much do you expect to earn on your investments annually, as a percentage?

I enter 6%

RESULTS:

Your Retirement Savings Goal is: $563,114

You are projected to save: $637,959     You will have a surplus of: $74,845

With that scenario that is quite realistic, I will be able to retired at 45 and I will still have a surplus of more than 74k. You need 7%, 8%, 9% or 10% in annual results on the stock market to be able to make it happen. In this case, I did not even enter any possible pension income that I will probably receive once I hit 67.... So that’s quite impressive, isn’t?

Lesson learns: you can be easy going, not to say lazy, like Jean-François Tardif on the TSX angel stock market. A 6% annually as income is quite realistic goal. You don’t have to try really hard. The early retirement dream is really that simple and easy. You really had to read this post tonight just to find out that yeah, money easy with the Dividend girl and Jean-François Tardif (sorry buddy, but I do really like u that much :0)).

In other words: TAKE IT EASY.