My investment portfolio on date of January 21, 2025

Savings: $2,716.49

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: $155,142.13

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: $5,996.61 US: $8,617.73 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)

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)

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)

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)

TOTAL: $139,951.03

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: $85,002.30

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,995.33

Others: $1,159.90

NBI Income Fund: $1,331.94

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: $10,318.31

Other various: $56,707.62

TOTAL: $158,515.4

Social Capital at Desjardins Membership share: $35

Online money: $8.88

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

TOTAL: $464,986.66

On date of January 21, 2025

A Few New Stock Investment Ideas From Stockopedia to Start the New Year!

This past Friday was a good day for the TSX, which closed the session at 25,067.92 points (+221.72 points, +0.89%). This came as a surprise. As Donald Trump’s inauguration approaches this upcoming Monday, I thought the TSX would prepare to enter negative territory. Fortunately, that didn’t happen. My non-registered portfolio closed this past Friday session at $154,024.22, my US portfolio at $5,973.25 USD, my RRSP stocks-only portfolio at $84,768.00, and my TFSA portfolio at $139,008.09. I updated my investment portfolio this weekend and discovered that my net worth is now standing strong at $462,576.18. I’m now not too far from my highest net worth, which was in the $467,000 range not long ago. My rule is: if I’ve reached it once, I can do it again.

Currently, two of my stocks have been borrowed under the Fully-Paid Securities Lending Program of National Bank Direct Brokerage: iShares S&P/TSX Capped REIT Index (XRE) and General Mills Inc. (GIS). I paid off my margin debt in mid-December. After that, I began noticing that some of my stocks were being borrowed through the program. In December, I earned exactly $0.09 from my USD Securities Lending! I assume those nine cents are in US dollars. I was charged a $0.03 fee, meaning I made a net profit of $0.05 USD in December from the National Bank Direct Brokerage's Fully-Paid Securities Lending Program. 

For my Canadian dollar account, I didn’t receive any payments, likely because the borrowing process started too late in December to qualify for that month’s payment. Not many of my stocks have been borrowed so far, so I’m expecting pocket change, but you never know. I am currently earning exactly $910.14 per month in dividend income from my non-registered and TFSA portfolios. If I could just reach $1,000 per month from dividends and other income sources, I would be really pleased.

In November, I subscribed to a one-year subscription with Stockopedia, taking advantage of their Black Friday sale. Over the past couple of years, I hadn’t subscribed, but I used to be a regular subscriber. As I worked on completely paying off my margin debt, I decided to return to Stockopedia. Over the years, I’ve made great investments using Stockopedia. Some notable ones include: WSP Global Inc. (WSP), Toromont Industries Ltd (TIH), Cargojet Inc. (CJT), TFI International Inc. (TFII), ATCO Ltd. (ACO.Y), Hammond Manufacturing Company Limited Class A Subordinate Voting Shares (HMM.A), Finning International Inc. (FTT), Richards Packaging Income Fund (RPI.UN), and Vitreous Glass Inc. (VCI), to name just a few.

When it comes to investing, I know I don’t follow the typical approach. I hold too many stocks—probably more than I should. I’m aware of this, but it doesn’t bother me. When I started investing, I had a pre-determined list of stocks that I absolutely wanted to buy, mostly those recommended by Derek Foster. My early years of investing were very exciting because I knew exactly where my money was going to be invested, and there was always a new stock I was eager to add to my investment portfolio. Investing became a big part of my life. I always had new goals for my portfolio and it felt quite exciting. Over time, my “wanted” list naturally became smaller and smaller because I had already invested in most of the stocks I had planned to. It was something that happened gradually, without warning. Today, my feelings toward investing are completely different—I’m in a different place now.

As an investor, there’s always room for improvement, and I’m certainly no exception. That said, I’m pretty happy with what I’ve built. Most of my stocks have performed well. Earlier this January, I shared an interesting review of my top performers: My Top Stock Performers as of January 3

If you’re looking for stocks to invest in, my suggestion (though not official advice, as I cannot legally provide any) would be to steer clear of the telecom sector. Who would have thought that one day BCE would become a disaster for shareholders? Currently, other telecom stocks aren’t doing well either. In my non-registered portfolio, my Telus Corp (T) shares are down by -6.37%. My Rogers Communications Inc. Class B Non-Voting Shares (RCI.B) are performing even worse in my RRSP portfolio, with a -27.91% loss. Among telecom stocks, BCE is one of the worst performers. While I don’t think there’s a need to panic about Telus or Rogers, I wouldn’t recommend investing in these stocks right now.

That being said, my investment in Quebecor Inc. (QBR.B) has performed well. I guess it’s the exception to the rule. Quebecor is different because—as far as I know—it operates solely within the province of Quebec. What some might see as a limitation is actually a strength. That’s how I view Quebecor. While you shouldn’t expect super-high growth, you can certainly count on Quebecor for steady, reliable growth. We’re living in an era of change. These changes manifest in various ways, including catastrophic climate events and significant societal shifts. What was once considered a good stock in the past can no longer hold up in today’s world. We’ve seen an example of this with BCE.

Lately, I invested in a few new stocks that are totally new to my investment portfolio. I find those stocks on Stockopedia. Among them, here are the top performers:

Dynacor Group Inc. (DNG): +6.72%

This is exactly the kind of discovery I’m extremely proud to make thanks to Stockopedia. Take a close look at this overall chart:

If this doesn’t impress you, and if I’m not impressing you right now, I honestly don’t know what will. I had never heard of Dynacor Group Inc. (DNG) before, and this is exactly the kind of stock discovery that makes my subscription to Stockopedia totally worth it. I honestly couldn’t have made such an amazing find on my own without using any tools. DNG is a dividend payer and actually pays a monthly dividend. With a 2.64% dividend yield, it’s a bit low, but keep in mind that DNG is currently trading below $10 per share. DNG operates in the mining industry, and because of the nature of its sector, I would suggest investing in this one cautiously.

Canadian Natural Resources Limited (CNQ): +2.90%

Of course, I knew about CNQ, but I had never invested in it before. CNQ is best known as one of the largest oil and natural gas producers in western Canada. CNQ pays a quarterly dividend, and with a yield of 4.666%, its dividend is reliable and solid. The overall chart for CNQ is looking good.

Stantec Inc. (STN): +3.76%

This one is no stranger to my investment portfolio—I used to own shares of Stantec Inc. (STN) a couple of years ago. Unfortunately, I decided to sell. I remember that STN wasn’t growing enough for my taste. But this is the kind of stock you need to invest in, then simply forget about it and leave it as is—exactly like OpenText Corporation (OTEX). With a dividend yield of 0.749%, Stantec’s dividend isn’t particularly exciting. However, I’m not ruling out a small investment in this one.

Stantec’s overall chart looks quite decent:

I’ve had very good results investing in stocks similar to Stantec, such as WSP Global Inc. (WSP) and Aecon Group Inc. (ARE). I like the industrial sector; it’s my top favorite sector to invest in. In my opinion, you can’t go wrong investing in engineering and construction firms—they will always be in demand. On the other hand, you can’t say the same about the tech sector, like Shopify and others of that nature. I guess it’s safe to say that you probably won’t catch me investing in the latest trendy tech stock. I dislike everything that’s trendy. I’d rather invest in stocks that fly under the radar and are barely known by the general public.

That’s why I like Stockopedia so much!

Kraken Robotics Inc. (PNG): 8.70%

Last but not least, Bitcoins have been performing very well under Donald Trump's influence. I currently hold some Bitcoin ETFs in my TFSA portfolio, but I won’t be investing in more. I prefer to stay away from anything related to Donald Trump. If you want to play the market by buying and selling an investment quickly, well, I have something for you.

Take a look at this:

PNG is a stock from the Venture exchange. Keep in mind that, because of this, PNG can be volatile. But at the same time, its volatility makes it the perfect candidate for a bit of trading fun! Unfortunately, Kraken Robotics Inc. (PNG) doesn’t pay any dividends. The name of this stock is just mind-blowing, and you haven’t even had the chance to see its logo yet. PNG’s headquarters are located in beautiful Newfoundland and Labrador. As a New Brunswicker, I really like this discovery. I don’t come across many stocks from the Maritimes. Another great stock coming directly from Newfoundland is the one and only Fortis Inc. (FTS)!

My opinions are strictly my own. Invest at your own risk. My instincts tell me that there may be more great finds in 2025, so if I were you, I’d stick around. As Canadians, we hold to the best stocks in the market. It’s a reality that needs to be exploited to its full potential.

Historic of my Total assets and Net worth values on date of January 18, 2025

2025

Net worth on January 18, 2025: $462,576.18

Net worth on January 3, 2025: $459,983.13

2024

Net worth on December 31, 2024: $456,092.61

Net worth on December 20, 2024: $453,186.36

Net worth: $450,265.60 (I no longer have debt). December 19, 2024

Total in assets: $467,956.81/Net worth: $467,529.69: November 29, 2024 - My highest net worth ever!

Total in assets: $467,971.92/Net worth: $465,398.33: November 22, 2024 

Total in assets: $466,587.87/Net worth: $464,014.28: November 21, 2024 

Total in assets: $464,207.08/Net worth: $460,527.54: November 14, 2024

Total in assets: $466,665.20/Net worth: $461,948.22: October 17, 2024 

Total in assets: $465,108.53/Net worth: $460,391.55: October 16, 2024 - First time I am in the 460k!

Total in assets: $461,695.76/Net worth: $456,916.94: October 11, 2024

Total in assets: $456,672.76/Net worth: $451,890.80: October 4, 2024 - First time I ever hit on the 450k!

Total in assets: $452,186.49/Net worth: $447,251.10: September 26, 2024 

Total in assets: $450,780.69/Net worth: $447,210.34: September 13, 2024

Total in assets: $447,942.71/Net worth: $444,372.36: September 12, 2024 - First time I ever hit on the 444k

Total in assets: $443,006.26/Net worth: $439,463.77: September 9, 2024

Total in assets: $440,323.44/Net worth: $435,834.87: August 23, 2024

Total in assets: $438,570.89/Net worth: $432,208.43: July 31, 2024 - first time I ever reached 430k.

Total in assets: $434,175.23/Net worth: $427,812.77: July 22, 2024 

Total in assets: $419,382.05/Net worth: $413,741.80: May 10, 2024

Total in assets: $415,656.63/Net worth: $407,032.02: March 28, 2024

Total in assets: $410,830.45/Net worth: $403,444.26: March 8, 2024

Total in assets: $409,656.30/Net worth: $402,219.07: March 7, 2024 - first time I ever reached 400k net worth!
Total in assets: $407,214.02/Net worth: $399,776.79: March 6, 2024
Total in assets: $406,530.78/Net worth: $399,043.10: March 1, 2024

Total in assets: $404,868.06/Net worth: $393,617.74: February 17, 2024 - first time I ever hit 393k!

Total in assets: $404,016.51/Net worth: $392,766.19: February 15, 2024 - first time I ever hit 392k!

Total in assets: $401,516.67/Net worth: $390,264.22: February 12, 2024 - first time I ever hit 390k!

Total in assets: $401,713.44/Net worth: $389,317.63: January 29, 2024 - first time I ever hit 389k!

Total in assets: $400,412.81/Net worth: $388,017: January 28, 2024 - first time I ever hit 388k!

Total in assets: $399,833.32/Net worth: $387,437.51: January 25, 2024 - first time I ever hit 387k!

Total in assets: $396,039.93/Net worth: $382,559.57: January 8, 2024 - first time I ever hit 382k!
Total in assets: $393,167.74/Net worth: $379,670.38: January 5, 2024

2023

Total in assets: $406,622.25/Net worth: $380,929.15: December 29, 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 

Total in assets: $402,432.82/Net worth: $376,538.56: December 13, 2023

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 January 17, 2025

Savings: $2,706.40

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: $154 024,22

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: $5,973.25 US: $8,608.05 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)

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)

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)

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)

TOTAL: $139,008.09

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: $84,822.16

CIBC Dividend Growth Fund + CIBC Emerging Markets Index Fund + CIBC Monthly Income Fund: $3,990.08

Others: $1,159.90

NBI Income Fund: $1,326.90

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: $10,136.69

Other various: $56,749.81

TOTAL: $158,185.54

Social Capital at Desjardins Membership share: $35

Online money: $8.88

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

TOTAL: $462,576.18

On date of January 18, 2025

A Peek at My Monthly Budget for 2025

My non-registered portfolio closed today’s session at $151,487.68, my US portfolio at $5,853.47 USD, my RRSP stocks-only portfolio at $83,258.29, and my TFSA portfolio at $137,662.08. Overall, my stock portfolio gained $2,500 today—a nice little jump in the right direction while waiting for Donald Trump’s inauguration this coming Monday. However, I can’t say I’m very optimistic about how things might turn out. In a way, this uncertainty is why I’m primarily focusing on building up my savings. It’s my way of unplugging from the chaos. Thankfully, I can do so freely because I no longer have a margin debt in play.

On a personal note, my father has been feeling unwell lately, though not excessively ill. He has no fever at the moment. I still have some COVID tests at home, and he took one—it came back negative for now. I have no idea where he caught this bug. I haven’t been sick in a while, so he certainly didn’t catch it from me. He had COVID a few months ago, so this is probably just a sore throat. Winters here can be rough and tough. That said, winters aren’t what they used to be; we used to get a lot more snow. I’d be curious to see the statistics for New Brunswick. Climate change is affecting the world in many different ways.

With the New Year comes new resolutions. Last year, I paid off my margin debt—a feat I still can’t quite believe! This year, I’m aiming to build up savings, ideally $20,000. Once I hit $10,000, I’ll be thrilled. I should be able to save $5,000 by the end of February, which is a great start. In my spending spreadsheet, I’ve marked March as the month I return to Montreal. Because of this, I’ll likely only save $500 that month.

I have an Excel sheet—nothing fancy, very simple—where I track my expenses, upcoming bills, rent, and any anticipated costs for the next few months. I’ve created a couple of versions with different scenarios but decided to stick with a realistic plan I can follow. That’s what budgets are supposed to be. The good news is that if I stick to my plan, I should easily reach my $20,000 savings goal this year.

Here’s my budget for when I’m in Montreal:

Groceries: $400
Extra: $400
Internet and Cable: $101.68
Rent: $750
Cell: $40.24
Netflix: $6.89
Banking Fees: $12
Crave: $19.54
Laundry Tickets: $40

Total: $1,770.35

This is the most realistic budget I’ve come up with so far. I’m considering canceling my Crave subscription and keeping only Netflix. Once I maintain a balance in my chequing account, my banking fees will be waived. I have a basic cable subscription but would like to suspend it, if possible, and keep it only when my parents visit. At some point, my rent will likely increase—maybe by $10 or $15 per month. With $100 a week for groceries, I should manage, but steak and salmon won’t be frequent items on the menu, that’s for sure!

My "Extra" category includes fun money and my daily espresso. 

Actually, it’s more of an expresso with a bit of steamed milk, but I’ve forgotten its name. When I’m in Montreal, I usually go out for one almost every day. It’s probably one of my favorite things in the world, followed by swimming and going to the movies. Montreal is blessed with various free festivals and activities, so I often enjoy myself without spending much. My daily espresso costs about $5.50 after a 20% tip. Some might think that’s excessive, especially since I go nearly every day, but I view tipping 20% on an espresso as a small but meaningful gesture.

After accounting for my daily espresso, I’ll have about $61.50 left each week for fun activities. That should cover a few enjoyable things over the weekend, but I’ll see how it goes—money can disappear quickly!

I honestly don’t remember the last time I worked so tightly within a budget to save money. Usually, I’m not very restrictive and still manage to save, but never with a strict plan. This new approach could be beneficial for me, especially since inflation is reshaping financial priorities. Having little to no savings, as I’ve done in the past, isn’t sustainable anymore.

Watching from a Distance The California's Wildfires

This past Friday session, my stock portfolio experienced a loss of $4,000. Unfortunately, it’s a normal occurrence under these difficult stock market conditions. The TSX closed at 24,767.73 points, down -305.67 (-1.22%). The decline continued today as the TSX lost another -231.41 points (-0.93%), closing this Monday at 24,536.32 points. For the day, my stock portfolio experienced a further loss of $1,700.

With my margin debt paid off, I don’t have to worry about anything. Still, as always, I like to keep a close eye on my numbers. My non-registered portfolio closed today’s session at $149,639.24, my US portfolio at $5,764.25, my RRSP stock-only portfolio at $83,043.92, and my TFSA portfolio at $136,270.06.

I have been closely watching the wildfires affecting the Los Angeles area. It’s a terrible tragedy. I’ve never personally experienced the loss of a home, but I can imagine how those affected must feel. A few years ago, my family’s neighbor in New Brunswick lost their home to a fire. It was a complete loss. Luckily, my parents' house was saved.

My old folks were disturbed by a knock at the door, asking them to prepare for evacuation. They packed essentials, including family photo albums, while neighbors helped move some belongings to a safe place. I wasn’t home when this happened, as I was in Montreal. Thanks to the firefighters' hard work, my family’s house didn’t suffer any fire or water damage.

The neighbor’s house, however, was completely destroyed and later rebuilt. During a fire, even if your house isn’t directly affected by flames, it can suffer significant water damage. Water damage can be as destructive as fire in terms of loss, but fire is far more dangerous because of the immediate life-threatening risk.

More recently, just a few weeks ago before Christmas, another fire occurred in my New Brunswick neighborhood. This time, it was our second-next-door neighbor. The house, an old structure in need of serious repairs, caught fire. Surprisingly, the family living there was renting, even though the house seemed uninhabitable. The roof needed to be redone, the windows were in poor condition, and one window was even broken.

The fire didn’t completely destroy the house, but it’s no longer livable. A sad sight, with Christmas decorations still visible through the broken living room window. The family had planned to spend Christmas there, but that wasn’t possible. Fortunately, no one was home when the fire happened. Thankfully, my experience with residential fires stops here, and I hope it stays that way. In my small New Brunswick town, many houses are located close together, which is a risk to consider when buying a home. Personally, I don’t think I’ll ever buy a house.

Currently, I’m still in New Brunswick with my family, having stayed here since October. I decided to remain through Christmas instead of traveling back to Montreal in November. There’s no bus service connecting New Brunswick to Quebec, which makes winter travel complicated. Living in a place with almost no public transportation is incredibly inconvenient. A bus route between New Brunswick and Rivière-du-Loup, even once every two weeks, would be a huge help.

I miss my little tiny Montreal apartment. Spending the entire winter in New Brunswick is always challenging for me.

In Montreal, I live in a small studio apartment in a building likely constructed in the ’60s or ’70s. It’s well-maintained, but I sometimes worry about fire risks. I have renters’ insurance now, but I went many years without it—a mistake I wouldn’t recommend. Without insurance, you could lose everything and have nowhere to go in an emergency. My advice: enroll in renters’ insurance with a reputable institution to ensure peace of mind.

You never know when something like this might happen. I split my time between Montreal and New Brunswick, much like a snowbird—except instead of Florida, I spend winters in New Brunswick. Since COVID, I’ve been spending a significant portion of the winter here.

Lately, I’ve been going through my pictures and videos. When taking photos on my phone, I often take multiple shots of the same scene but rarely review them. Over time, they accumulate. Recently, I’ve been cleaning up my photo library and discovered some great pictures, like this one:

 

I took this picture in Montreal on Saint-Laurent boulevard - or the Main if your prefer. It's one of my favorite picture that I took last year. 

One thing that I missed from Montreal is the coffee shop. 

I have been monitoring the situation in California. I’ve listened to many testimonies and watched several live streams on TikTok. Unfortunately, too many creators are spreading conspiracy theories. In my opinion, these fires are simply caused by climate change. The winds have worsened the situation, along with the lack of water supply. Many beautiful communities are being affected, and it’s truly heartbreaking to see. I’m only watching from a distance, but even so, I find it morally exhausting. These fires are incredibly difficult to contain. I had never really heard of the Palisades before this. Maybe I had, but it wasn’t something I had paid much attention to. From what I’ve seen, the Palisades were a really special place.

Today was a busy day at work, and I didn’t have time to take advantage of the market. I currently have over $13,000 in cash waiting to be invested in my RRSP. I think the TSX could drop further, so I’m not in a rush to invest. However, I may start making small investments over the next few weeks.