The newest TSX's hottest stock of 2022: Ovintiv Inc. (OVV)

As predicted, the weather is super cold right now in New Brunswick. It will remain cold again tomorrow, after what, we'll get a little break, but later in the week...we'll have - again - some cold temperatures. So this is making it really a perfect time to check out my stocks and do some browsing over Stockopedia. Yesterday, I did it, I contribute one last $1,500 over my RRSP portfolio. Following what, I am done with contributing to my RRSP for 2021. Now begin for real my financial journey for 2022!

This past Friday session, my non-registered portfolio closed the session at $137,896.93, my US portfolio at $4,962.80, my RRSP - stocks only - portfolio at  64 915,32, and my TFSA portfolio at $124,843.69. I hold on to many stocks in my portfolio, and I had been holding many of them for a long time. Ovintiv Inc. (OVV) is one of those stocks. I hold OVV inside my RRSP portfolio. Before trading under the name of Ovintiv Inc. (OVV), this company was known as Encana Corp. I don't know for you, but personally, I preferred the name Encana over Ovintiv. 

Back in the day, Encana Corp. was a Derek Foster's stock. Even though OVV used to be a Derek Foster's stock, I haven't done well on that stock. I had done so badly on OVV that I am currently on a capital loss of -67.44% on that stock. This had been a hard hit to take in, but sincerely, I always taught I was going to recover from my losses on that stock, so that's why Ovintiv Inc. (OVV) had remained in my RRSP portfolio. 

This past Friday, I got a nice surprise concerning Ovintiv Inc. (OVV). For a reason or another, OVV gained +7.23% on that one single day. I still have a long way to go before I can recover that -67.44% loss, but I remain confident, still to this day. On January 12, Simply Wall St published an article regarding Ovintiv Inc. (OVV) explaining that its intrinsic calculation "suggests it's 48% undervalued". I am not exactly aware of what is an intrinsic calculation, but a 48% undervalued sound like being a pretty good thing to me. 

Does a 48% undervalued mean that Ovintiv Inc. (OVV) is currently trading at a bargain price? It could be because OVV appears in one of Stockopedia's bargain stocks screens. And surprise, surprise, Stockpedia rate Ovintiv Inc. (OVV) as a Superstock. Fine enough, however, I wouldn't recommend Ovintiv Inc. (OVV) as an investment idea, I kind of suffer too much on that stock.

Embracing F COVID Lockdown (!Level 3!) in New Brunswick

The weather had been very cold in New Brunswick for the past couple of days. Today was a lot better, but we are expecting again some very cold temperatures this weekend. By very cold temperature, I mean a mean -20C. I forgot just how cold it could get here in New Brunswick. We are getting a cold rush right on time for the lockdown. We are getting some tighter restrictions here in New Brunswick starting tomorrow, at exactly 11:59 pm. This lockdown is not really changing anything for me. I warn my old folks not to go eat at restaurants and not to do any interior activities. COVID shit is not for us. Working remotely from New Brunswick is going quite well so far.

I never cut my own hair before, but I am willing to try to cut the ends of my hair just a bit because it began to feel a bit rough. I think I can do a great job cutting my own hair. The trick is to cut, but only a bit at the end. I have curly hair so it doesn't really matter if the cut is not super straight. One thing for sure, with this lockdown, I won't be able to get a haircut from a professional for at least the next two weeks. And actually, I prefer to cut my hair by myself. With Omicron going on, New Brunswick had been quite slow at calling for a lockdown, it's a real shame. With the COVID, everything you took for granted - including your own health - is at risk. It's no joke. You really have to stay away from people outside your immediate family members as much as you can.  

I am getting my third COVID vaccine here in New Brunswick. I was able to get an appointment for later this month. Things are a bit more complicated for me since my health assurance is with Quebec province, but I was able to take an appointment over the phone. For the website, it only works with a New Brunswick health card. Once I will get back to Montreal, I should be able to have my third vaccination validated for my Quebec VaxiCode, but it will require an appointment. I plan to go back only later at the end of Spring. I am just hoping that my third dose is going to be a Pfizer one.

I don't like going out when the weather is too cold, but I spent around 1 hour outside today, spending a part of it doing my favorite winter activity: removing snow from the driveway. If there's not too much, I can do the job in less than 30 minutes. If there's a lot of snow, it can easily turn into an hour job. I especially loved it when it heavily snows in the morning so I can go clean it up during my lunch break, and I go clean again once I am done at work. Otherwise, my father takes care of it with his snowblower. I never used that machine myself. For the snow, I prefer the workout with a simple snow shovel. I never actually used a lawnmower of my life, or either way a snowblower.

I am getting ready to invest another $1,500 for my 2021 RRSP, Following what, it's close to 6k that I would have contributed to my RRSP for 2021. It really costs me to do so, but I don't really have a choice if I don't want to pay too much in taxes. My job income exceeds $60,000. On top of that, I will have a bit of capital gain to pay, and I also have a dividend income inside my non-registered portfolio on which I will have a bit to pay in taxes... Overall, I won't be that far away from a $70,000 income. It could seem like a lot of money, but sincerely, it's not. It feels tight being in my shoes, trust me.

I don't expect to invest any more money in my RRSP, except that upcoming $1,500.

In 2022, I am just going to try not to spend too much money and I will do my very best to stay in control of my money. It's sincerely all that I hope for, financially speaking.

What's next for my investment portfolio?

Those 21,084.45 points of this past Friday left my non-registered portfolio closing at $136,771.07, my US portfolio at 4,886.92 US, my RRSP - stocks only - portfolio at $65,034.43 and my TFSA portfolio at $125,034.67. At a point, I don't if you had noticed, but the TSX went under the 21,000 points this past Friday and it killed me. I don't like to watch disasters in real-time. Luckily enough, the TSX saved the day all by itself, closing a bit high than the 21,000 points.

Currently, I am trying to see what can be done in a better way. There's always room for improvement with an investment portfolio. Even if I find that mine is very very close to perfection, I want to have a sense of what's going in there. For a reason or another, the month of June is always very good for me, and more specifically around June 24, which is a Quebec holiday. I always had great success around that time of year doing some trading operations, selling-buying stocks, and thinking about my finances. January is also a great time to look over a bit deeper into things. 

For example, inside my RRSP portfolio, I have the following for a really long time:

Energy and Base Metals Term Savings (Indexed term savings)

Natural Resources Term Savings (Indexed term savings)

Those guaranteed investment certificates had now expired, leaving me with a bit over $1,100 to invest in something new, which I need to pick up. Also, a new year also means a new TFSA contribution. It's a new $6,000 that can be contributed over a TFSA portfolio, which represents quite a good sum of money

Over the years, I had used the "contribution in kind" system as a way to contribute to my TFSA portfolio. This is the main reason why I hold so many stocks inside my TFSA portfolio. It's because, over the year, I transferred stocks that I was holding inside my non-registered over my TFSA portfolio.

This is my way of doing it with the contribution in kind: I take stocks from my non-registered portfolio, and I transferred them "as is" over my TFSA portfolio. I learned the words "as is" just a few months ago while transferring my entire stocks investment portfolio from TD Direct over to National Bank Direct Brokerage. I try to pick stocks from my non-registered portfolio that are not experiencing an extremely good capital gain. It's because capital gain taxes need to be paid on stocks that you transferred from a non-registered to a TFSA portfolio.

At the present time, I only see one potential candidate inside my non-registered portfolio for a contribution in kind over my TFSA portfolio, and that's Saputo Inc. (SAP). My investment in Saputo Inc. (SAP) had been in my non-registered portfolio for quite a long time. I am on a capital gain of +17% on SAP. This specific capital gain represents less than $200. I am ok to pay a capital gain tax on this little sum. On the other hand, this, unfortunately, reveal that Saputo Inc. (SAP) is not a super performer, it's only an ok stock. I am however willing to keep in my portfolio because it brings on a bit of diversification.

Another thing I want to take care of is to switch the CIBC Emerging Markets Index Fund's units that I hold inside my RRSP portfolio for another CIBC mutual fund. I was thinking about CIBC Canadian Equity Value Fund.

Two investment ideas to start the New Year: Open Text Corporation (OTEX) and Suncor Energy Inc. (SU)

I just realize now that I still had PFB Corporation (PFB) in my latest portfolio update, under the list of stocks that I hold inside my TFSA portfolio. Unfortunately, PFB got acquired by a company that's not trading over the TSX, and as result, PFB Corporation got delisted. This means that now, PFB Corporation (PFB) is nowhere to be found over the TSX. It's a bit frustrating because I work really hard at trying to find new and reliable stocks to invest in. For me, it was clear, PFB Corporation (PFB) was my next pot of gold. It had actually, in a way because I received a dividend, a special dividend and great cash following PFB delisted, but my idea was more growth in the long term, rather than a quick and easy $$$.

Also under the list of stocks hold inside my TFSA, I finally modified the name of Morneau Shepell Inc. (MSI) to its current name, LifeWorks Inc. (LWRK). Overall, I am a gain of 39.32% on LifeWorks Inc. (LWRK). It seems impressive, but that's only because I had been holding on to my LWRK stocks for a very long time, at a time when LWRK was trading under the name and ticket of Morneau Shepell Inc. (MSI). For the past 3 years, LifeWorks Inc. (LWRK) chart hasn't been really impressive. And on top of everything, LWRK is not really well ranked on Stockopedia. I hold LWRK inside my TFSA portfolio only because I had been holding to it for a really long time. However, I wouldn't recommend LWRK as a new investment. You can find much better stock ideas for your investment.

Earlier today, I received a couple of alerts from my Yahoo Finance application regarding Berkshire Hathaway Inc. (BRK.B), Toronto-Dominion Bank (TD), and Royal Bank of Canada (RY) indicating that they had reached an all-time high value. However, the TSX didn't close on a high note today. With today's 21,039.66 points, that left me with a non-registered portfolio at $134,953.28, my US portfolio at $4,816.30 US, my RRSP portfolio - stocks only - at $65,789.17, and my TFSA portfolio at $125,858.30.

While the TSX was losing -0.93%, the JFT Strategies Fund Class A Units (JFS.UN) was gaining +0.476%. This is the reason why I like to have some JFS.UN units in my portfolio because it bring in a sort of stability within the chaos.

I am still checking around for new stocks to invest in. However, I don't plan to do my first investment in 2022 in the next few days. In my previous post, I explained that I plan to put some money aside on my margin, as well as or my savings. For that reason, I prefer to wait until the end of the month before investing in anything, just to make sure it remains within the limit of my budget. 

While remaining patient, I may have spotted at least two stocks to invest in. For 2022, its been said that energy stocks might be a good investment. And I agree with this article regarding Suncor Energy Inc. (SU). I already own some Suncor Energy Inc. (SU) stocks in both my RRSP and TFSA portfolios. I have a bit of room to increase my intake on Suncor. Now that I am trading with National Bank Direct Brokerage, I have the liberty to invest whenever and whatever amount. The $0 commission fee is giving me all the liberty of the word.

Another investment idea I have is Open Text Corporation (OTEX). Earlier in November 2021, Open Text Corporation (OTEX) CEO Mark Barrenechea talked on BNN. You can listen to his interview right here. I find Barrenechea quite interesting. A couple of years ago, Open Text Corporation (OTEX) was in my investment portfolio. I get rid of it because I wasn't satisfied with its growth, but now, I am ready to get back in OTEX. I wouldn't mind placing a small investment in Open Text Corporation (OTEX). this time, I would buy my shares in OTEX and just forget about them. It would be an investment made in the long run. In one of her latest posts, Susan Brunner refers to a site, and on it, I find this article regarding OTEX.

While trying to catch on to some good stocks to invest in, I like to take some walks, whenever the weather is not too cold. Other than working, watching TV, and searching for stocks, walking is my main activity. This being said, I rarely go out when the weather hits behind -15. Here are some pictures of what I can see around: trees, trees and... more trees :-)

Happy New Year, Investors!

Well, it seems like I am closing the year 2021 with a net worth of $339,434.39. Unfortunately, I am not exceeding my highest net worth reached back on November 8 - of now last year - with a super nice $340,312.77. It doesn't really matter, but it would have been quite fun to close the year on my highest note ever.

I had been enjoying a few vacations days. COVID is hurting hard here in New Brunswick. I am just confused about what I should do regarding the third vaccine dose against COVID. Anyway, my age group is not concerned yet. Later on, in 2022 I will be turning 42. Luckily, I didn't get the COVID so far, but that's involved a lot of sacrifices, like not going to the gym or the movies, not going to the restaurant, etc... From the sort, I told myself that I wasn't going to get sick from that Chinese virus. There's only one way not to get infected. It's quite simple: stay away from people, and reduce contacts to the extreme minimum. It's not too hard because I kept myself busy. I work full-time, I try to exercise regularly... I also have my investment portfolio to watch, and I sometimes browse on Stockopedia, searching for new investments. Currently, the only thing I am missing on is a good haircut. With Omicron, just getting a haircut is super risky right now. I like to get a haircut every 2-3 months. 

At the end of the year 2021, Stelco Holdings Inc. (STLC) made some great announcements. STLC will get involved in the recycling of electric vehicle batteries. It's a big deal that left STL on almost a 6% gain on the last trading day of 2021.

For 2022, I came with quite an ambitious monthly plan for my money. Other than my regular monthly expenses, I came with the following numbers:

Margin debt: $533 per month

TFSA contribution: $417 per month

Saving account: $334 per month

RRSP contribution: $208

Vacation: $200

Overall TOTAL: $1,692

I have quite a list of big payments in there, especially knowing that nothing of this concerns my rent, regular bills, and groceries, which I estimate roughly around $1,600 per month, sometimes less. A payment of $533 a month on my margin account debt is quite huge for me. Fortunately enough, I can count on my steady dividend income. For example, in the month of January, instead of costing me $1,692, it's only $752.72 that will come out of my pocket to cover my margin debt, TFSA, savings, RRSP, and vacation saving.

I never put away money specifically for my vacation. I never really strictly plan my budget before, but that didn't stop me from being able to reach over $300,000 in net worth. Putting away a bit of money for my vacation is something I am starting this year. I probably won't do much because of COVID, but I like the idea to have x amount of money available at my disposal for when I will need it. I am also planning to put away a monthly $334 in savings. What I am actually trying to do here is to break down my habits of living paycheck per paycheck. Not that I am not in a good place, but I would like to be more, let say, establish financially speaking.

This year, I would like to pay down my margin debt, which is currently at $46 545,27. I am now with National Bank Direct Brokerage. I don't have a bank account or credit line yet with National Bank. This is making it difficult for me to navigate safely the stock market with my margin account debt because I cannot transfer cash immediately in my margin in case I need it to. I currently have a great buffer, I do not fear. However, I like to have the option to easily add cash to my margin account in case of need. I prefer to play on the safe side. Currently, if I want to add cash to my margin account that I hold with National Bank Direct Brokerage, I need to wait something like 2-3 days. The cash fund, since coming outside National Bank, is not being transferred in real-time. That's something that is quite annoying for me. And it's the main reason why I am looking forward to pay down my margin debt in 2022.

Historic of my Total assets and Net worth values on date of December 31, 2021

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 - HIGHEST  NET WORTH VALUE EVER!
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 the 14 000+ points, and I had 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 the $60 000 in assets! (not in net worth yet). 

My investment portfolio on date of December 31, 2021

Cold cash: $8,107.88

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)

Saputo Inc. (SAP)

Loblaw Companies (L)

Savaria Corporation (SIS)

WSP Global Inc. (WSP)

George Weston Limited (WN)

Power Corporation of Canada Subordinate Voting Shares (POW)

National Bank of Canada (NA)

TOTAL: $135 381,43

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: $4,689.69 US: $6,008.90 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)

LifeWorks Inc. (LWRK)

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)

TOTAL: $128,293.20

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)

Total: $66,700.27

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,621.26

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

Natural Resources Term Savings (Indexed term savings): $502.45

NBI Income Fund: $1,380.92

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: $8,934.28

Other various: $26,396.27

TOTAL: $108,112.75

Social Capital at Desjardins Membership share: $35

Online money: $40.50

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

On the date December 31, 2021

$385,979.66

My debt situation on date of December 31, 2021

Margin account debt: $46 545,27 @ 3.75%

Annual interest: $1,745.45

On the date December 31, 2021

**For a complete update regarding my debt, click on the label "Debt situation" located at the right column of this blog.

A TSX at 21,344.65 points = a nice net worth for me

The TSX did well today, closing on a satisfying 21,344.65 points. My non-registered portfolio closed today session at $135,789.45, my US portfolio at $4,681.06 US, my RRSP stocks only portfolio at $66,341.86 and my TFSA portfolio at $128,323.06. I hope the TSX will be able to gain a bit more points for this upcoming Friday. It's going to be the really last trading day of 2021 and at the same time, I will be receiving my last paycheck of 2021. 

With today's results, I suspect my net worth to be somewhere in the $337,500. With a bit of luck, I  may be able to close the year 2021 on my highest net worth ever, I could exceed by a tiny bit my highest net worth value of 340,312.77 that reached back on November 8 of this year. I would like that of course, but unfortunately, each and single day being a different one for the stock market, I cannot be sure of anything so I will just welcome what comes my way.

For the end of December, I should receive something like $700 coming from dividend distribution. I am happy about that because I am looking forward to contributing another $1,500 to my RRSP portfolio. Otherwise, I had come with some great ideas on what to do with my money for 2022. The numbers are not small, but with the help of the money earn from my dividend income, I should be able to make it happen.

Welcome again, JFT Strategies Fund Class A Units (JFS.UN) in my RRSP and TFSA portfolio!

My non-registered portfolio closed today session at $135,553.52, my TFSA portfolio at $127,833.59, my US portfolio at $4 604,66 US, and my RRSP portfolio - stocks only - at $65,886.60. Earlier today, I invested in some new units of JFT Strategies Fund Class A Units (JFS.UN) inside my TFSA and RRSP portfolios. I am looking forward to receiving my special dividend distribution a bit later in January.

While updating my historic sheet, I was admiring the progress made in 2021. I had closed the year 2020 with a net worth of $259,661.24. The year 2021 is not over yet, but it's looking like I am going to close the year 2021 in the $336,000 net worth. With this awesome year, my net worth gain over $76,000.

For 2022, I would like to repeat the same achievement of course, but otherwise, I just have a couple of things in mind. I am looking forward to contributing another $1,500 to my RRSP for 2021. I should be able to do so by the end of next week. Also for 2022, I would like to reduce my margin debt to $40,000. That involved a margin debt payment of $6,458.03 for 2022. For my TFSA, I would like to contribute $5,000. For my savings, I would like to put in a 4k, so I can have at least $10,000 in savings.

On all those good ideas, I wish you all a Merry Christmas!