Thursday, December 1, 2016

My November Dividend Income Summary: $PWF $VZ $VSB $CUF.UN $RY

Hey Personal Financial Freaks! This is my eleventh Dividend Income Summary for 2016. 

As you can see on my Passive Income page5 companies chipped in for this month of November. 

It's been a pretty quiet month dividend wise. But I have been more active on the transactions front. Yes, 4 transactions is a lot for me. Remember : we are suppose to buy and hold. (I know it's not easy.)

BuyCUF.UN100$13,95$1 395,00
BuyBCE20$57,50$1 150,00
SellVCN50$30,39$1 519,50
Sell VIU100$23,81$2 381,00

So I made a couple of purchases, namely Cominar (CUF.UN) which is the only REIT I currently hold. I simply bought it to average down my cost per share since the stock has been recently beat down. I am considering buying another REIT with perhaps a greater exposure to the apartments sector. I'm thinking along the line of Boardwalk (BEI.UN) and Canadian Appartment Properties (CAR.UN). Appartements aside, I also like RIO Can REIT (REI.UN). If they drop again by more than 10% I might make a move on either of these fellas.

And, on a rare occasion since I first initiated a position, my telecom stock BCE dropped a little and I decided to scoop 20 shares at 57,50$. The stock is now trading at roughly the same price, but I will wait for another dip before making a move. I am considerably low on telecom exposure. And I know you folks out there are hooked on those so-called smart-phones -- among other things. (Don't deny it, I see you in the subway holding on to dear life to your devices)

I did sell some shares of my Vanguard Index Funds simply because I wanted to keep my portfolio allocation to a perfect 80-20 (between bonds and stocks). In the meantime it provides additional cash in case of a drop in my individual stocks. Asset allocation is key. I can easily do this by selling (or buying -- depending on how the market fluctuates) either some bonds or stocks in my funds. This way I can keep my original settings. If the Market goes up I sell some shares or buy some more bonds. If the Market goes down I buy some more shares or sell some more bonds. Easy peasy.

This month I managed to collect the pretty decent sum of 257.20$

The amounts are all in Canadian dollars. 

My Dividends came from:


·      1-REIT Cominar (CUF.UN) : 30.63$

·      2-Royal Bank of Canada (RY) : 107.90$

·      3-Power Financial (PWF) : 78.50$

·      4-Verizon (VZ) : 19.29$

·      5- Vanguard Canadian Bonds (VSB) : 21,18$

My total Dividend paid for 2016 :  
250.47$+256.52$+531.59$+313.70$+160.71$+400.55$+319.49$
+177.71$+556.96$+249.23$+257.50 = 3474.43$

Total Dividend paid since I started Investing :  19 858,87$+257.20$ = 20116.07$

What do you think of my dividend income stream? 

Wednesday, November 2, 2016

My October Dividend Income Summary: $BNS $KHC $MDLZ $CP $BCE $CUF.UN

Hey Personal Financial Freaks! This is my tenth Dividend Income Summary for 2016. 

As you can see on my Passive Income pagecompanies chipped in for this month of October. 

This is not a big number in terms of company (nor in income), but remember I do not hold a lot of them. I keep my holdings to a minimum of 20. Why? Because I consider this amount to be more than enough to feel well diversified.

People tend to forget that sometimes their holdings are already pretty well diversified. Take for instance Power Corporation (POW). When you are buying POW you are actually buying stakes in various companies throughout the world : Pernod Ricard, LafargeHolcim, Total, WealthSimple, etc. They also own directly or indirectly insurance companies (London Life, Irish Life, Great-West), financial companies (Group Investors, Mackenzie, etc.) as well as many funds like Sagard China. Needless to say this company is well diversified.

This is true for many companies. So before going on a buying spree and stacking up as many companies as you possibly can, remember to consider wisely what exactly you are investing in. Maybe then you will realize that you won't need to invest in this particular sector or region simply because you already have.

Not much too add considering the current state of the Market. It's pretty pricey and I don't see much buying occasions on my part. I don't plan on holding new positions so I will have to wait for some drops on my actual shares. I might add some Cominar (CUF.UN) at some point... Will see.

This month I managed to collect the pretty decent sum of 249.23$

The amounts are all in Canadian dollars. 

My Dividends came from:


·      1-REIT Cominar (CUF.UN) : 24.99$

·      2-Bank of Nova Scotia (BNS) : 111.74$

·      3-Kraft-Heinz (KHC) : 33.55$

·      4-Mondelez (MDLZ) : 26,65$

·      5-Canadian Pacific (CP) : 25,00$

·      6-BCE (BCE): 27,30$

My total Dividend paid for 2016 :  
250.47$+ 256.52$+531.59$+313.70$+160.71$+400.55$+319.49$+177.71$+556.96$+249.23$ = 3216,93$

Total Dividend paid since I started Investing :  19 609.64$+249.23$ = 19 858,87$

What do you think of my dividend income stream? 

Friday, September 30, 2016

My September Dividend Income Summary: $CNR $JNJ $POW $SU.TO $FTS $ENB $VIU $VCN $VSB $CUF.UN $ATD.B $ACO.X

Hey Personal Financial Freaks! This is my ninth Dividend Income Summary for 2016. 

As you can see on my Passive Income page, 12 companies chipped in for this month of September. 

I'm not a fan of fall -- especially with all the crap publicity surrounding the "back to school" propaganda. I say to this : chill out! 

What's the big deal? Holidays are over, we are all going back to work or to school. It's already depressing. Do we really need to be reminded as early as July? NO!

After all, unless we chucked out all or clothes or pencils during summer, there's a frickin' good chance we are ready to go back to what we were doing a couple of weeks ago : that is going to work or school dressed and with some papers and pencils!

Maybe if I held some Walmart  (WMT) of Group Jean Coutu (PJC.A) stocks I would be happier to go through this nonsense. Just wait till' they get the X-MAS tree ready... 

I might also be a little misanthropist; that is why most people get on my nerves (not you!). Or is it because Mr. Market has been so frickin' high for so long... None of my stocks are cheap. Well, except for POW and PWF, but I have enough of both for now. 

It seems I can't buy anything with the necessary margin of security. Go back to reading Benjamin Graham is you do not know what I am talking about. (go!

And so I wait. and I wait... (so much for my dividend goal of 5 400$/year in 2016)...But eh, I'm piling up some cash that I will be able to deploy eventually. Check out my Fix Income Graphic here.

Anyway, back to my Dividend Income post...that's why you are here, no?

September was a great month dividendwise. It always is when my king of kings chips in. (Hello JNJ!)

This month I managed to collect the pretty decent sum of 556.96$

The amounts are all in Canadian dollars. 

My Dividends came from:


·      1-REIT Cominar (CUF.UN) : 24.99$

·      2-Vanguard Bonds (VSB) : 14.82$ + 6.78$ = 21.60$

·      3-Alimentation Couche-Tard (ATD.B) : 9.30$

·      4-Vanguard Canadian Index ETF (VCN) : 28.36$

·      5-Vanguard International (VIU) : 17.08$

·      6-Enbridge (ENB) : 53.00$ 

·      7-Fortis (FTS) : 48.00

·      8-Johnson and Johnson (JNJ) : 135.50$

·      9-Suncor (SU) : 43.50$

10- Power Corporation (POW) : 100.50 $

11-Canadian National Railway : 31.88$

12-ATCO (ACO.X) : 42.75$

My total Dividend paid for 2016 :  
250.47$+ 256.52$+531.59$+313.70$+160.71$+400.55$+319.49$+177.71$+556.96$ = 2967.70$

Total Dividend paid since I started Investing :  19 052.68$+514.21$ = 19 609.64$

What do you think of my dividend income stream? Do you like autumn (who cares really?)? And are you too planing on selling all of your assets on the Market?

Monday, September 12, 2016

My August Dividend Income Summary: $VZ $RY $ATD.B $VSB $CUF.UN

Hey Personal Financial Freaks! This is my eight Dividend Income Summary for 2016. 

As you can see on my Passive Income page, only 5 companies chipped in for this month of August. 

It's a quiet month when you don't pass the 200$ bar. As you get richer and your divvy start to stack up you get a little greedy I guess! ;)

Of the 5 stocks, one is really showing his love : hello Royal Bank of Canada!  

This month I managed to collect the ok sum of 177.71$

The amounts are all in Canadian dollars. 

My Dividends came from:

               REIT Cominar (CUF.UN) : 24.99$

              Vanguard VSB (VSB) : 19.77$

              Verizon (VZ) : 18.35$

              Alimentation Couche-Tard (ATD.B) : 9.30$

               Royal Bank of Canada (RY) : 105.30$

My total Dividend paid for 2016 :  250.47$+ 256.52$+531.59$+313.70$+160.71$+400.55$+319.49$+177.71$ = 2 410.74$

Total Dividend paid since I started Investing : 18 874.97$+177.71$ = 19 052.68$

What do you think of my dividend income stream?

Monday, August 1, 2016

My July Dividend Income Summary: $BCE $CUF.UN $KHC $MDLZ $CP $BNS $PWF

Hey Personal Financial Freaks! This is my seventh Dividend Income Summary for 2016. 

As you can see on my Passive Income page7 companies chipped in for this month of July. 

Some of them really show their love : Power Financial (PWF) and Bank of Nova Scotia (BNS) among others.  

This month I managed to collect the sum of 319.49$

The amounts are all in Canadian dollars. 

My Dividends came from:

               REIT Cominar (CUF.UN) : 24.99$ (I put the DRIP to rest for now.)

              BCE (BCE) : 27.30$ (I need to accentuate my exposition to the telecom sector. But I can't seem to find a decent entry point nowadays. I will have to wait for a correction. BCE and VZ will be my targets)

              Bank of Nova Scotia (BNS) : 108.72$  (What can I say?A keeper.)

              Power Financial (PWF) : 78.50$ (I recently added to this position. The stock is cheap. .Very cheap)

                Kraft Heinz Company (KHC) : 31.62$ (Warren Buffett's top holdings. A great acquisition since 2011)

                Mondelez International (MDLZ) : 23.36$ (I became a stockowner with the Kraft spinoff in 2012. The dividend yield is low, but MDLZ stock has soared since then. A keeper too).

               Canadian Pacific (CP) : 25.00$ (This stock has soared like mad since 2011. This 4K$ investment is now one of my top holdings. I love trains.)

My total Dividend paid for 2016 :  250.47$ + 256.52$+531.59$+313.70$+160.71$+400.55$+319.49$ = 2233.03$

Total Dividend paid since I started Investing : 18 555.48$+319.49$=18 874.97$

What do you think of my dividend income stream?

Friday, July 1, 2016

My June 2016 Dividend Income Summary : $JNJ $ENB $CNR $FTS $SU $CUF.UN $VCN $VSB $VIU

Hey Personal Financial Freaks! This is my sixth Dividend Income Summary for 2016. 

As you can see on my Passive Income page, 9 companies/ETF's chipped in for this month. 

June is a great month that kicks off the summer in such a fine way!  

This month I managed to collect the nice sum of 400.55$

The amounts are all in Canadian dollars. 

My Dividends came from:

               REIT Cominar (CUF.UN) : 24.87$ (I used to buy one more unit with my DRIP @17.20$);

              Vanguard Canadian Short-Term Bond Index ETF (VSB) : 13.56$ (A new comer that I like and that will provide me with a steady and safe dividend income stream. This number will grow as I intend to increase my position over time in VSB. Remember my 15-20% bond strategy?)

              Vanguard Canadian Index ETF (VCN) : 18.24$ (A new comer as well according to my hybrid strategy).

              Vanguard FTSE Developed All Cap ex North Amer Idx ETF(VIU) : 39.87$ (Same again. A new comer!).

                Enbridge (ENB) : 53.00$ (A fairly new addition to my portfolio and a keeper for the very long term).

                Fortis (FTS) : 47.63$ (which I use in part to buy one more share @ 40.20$ with my DRIP).

               Johnson and Johnson (JNJ) : 133.63$ (The king of Kings).

              Suncor (SU) : 43.50$ (SU isn't part of my big 6 anymore, it's still a force to be reckon with.)


             Canadian National Railway (CNR) : 26.25$. (I love trains, what can I say!)


My total Dividend paid for 2016 :  250.47$ + 256.52$+531.59$+313.70$+160.71$+400.55$ = 1913.54$

Total Dividend paid since I started Investing : 18 154.93$+400.55$ =18 555.48$

What do you think of my dividend income stream?

Tuesday, May 31, 2016

My May 2016 Dividend Income Summary : $RY $VSB $VZ $CUF.UN

Hey Personal Financial Freaks! This is my fifth Dividend Income Summary for 2016. 

As you can see on my Passive Income page, only 4 companies chipped in for this month. May is a slow month, what can I say.  Money coming in is... well it's money!

So although May is a quiet month I still managed to collect 160.71$

The amounts are all in Canadian dollars. 

My Dividends came from:

               REIT Cominar (CUF.UN) : 24.75$ (I used to buy one more unit with my DRIP @17.31$);

              Vanguard Canadian Short-Term Bond Index ETF (VSB) : 13.02$ (A new comer that I like and that will provide me with a steady and safe dividend income stream. This number will grow as I intend to increase my position over time in VSB. Remember my 15-20% bond strategy?)

              Verizon (VZ) : 17.64$ (One of those stocks I wish I had more.. I will if the stock price goes  down and the Canadian dollar goes up!...)

             Royal Bank of Canada (RY) : 105.30$. (My biggest financial position. A keeper.)

My total Dividend paid for 2016 :  250.47$ + 256.52$+531.59$+313.70$+160.71$  = 1512.99$

Total Dividend paid since I started Investing : 17 994.22$+160.71$ = 18 154.93$

What do you think of my dividend income stream?

Friday, April 29, 2016

*** Modified: April 2016 Dividend Income Summary : $CP $CUF.UN $MDLZ $KHC $ATD.B $BCE $BNS $PWF $VZ

Hey Personal Financial Freaks! This is my fourth Dividend Income Summary for 2016. 

As you can see on my Passive Income page, 9 companies chipped in for this month.  

In April, I managed to collect 313.70$. Not a great amount, but not too shabby either

The amounts are all in Canadian dollars. 

My Dividends came from:

                REIT Cominar (CUF.UN) : 24.62$ (which I use in part to buy one more unit @ 17.20 with my DRIP);

                Canadian Pacific (CP) : 17.50$ (CP has become a top holding for me due to the rise of the stock over the past 5 years. Thanks to Bill Ackman and Hunter Harrison. They recently just raised their dividend after a 2-3 years interruption. It's a keeper.) 

                Mondelez (MDLZ) : 23.05$ (MDLZ's price stock has grown quite a bit. But not the dividend. Will see how it goes. Could be a potential buy like Kraft).

                Kraft Heinz (KHC) : 31.98$ (Mature stock. Now in the hands of Warren Buffet. Buy and hold like the master and see how it does in 20 years)

                Alimentation Couche-Tard (ATD.B) : 8.10$ (Not a dividend player just yet. But wait and see. Remember, you read it here first!).

                BCE (BCE): 27.30$. (Year after year, BCE show strong results and hike its dividend. What's not to like? I wish I had some more.)

                Bank of Nova Scotia (BNS) : 108$ (Yes, that's mighty impressive! BNS is now a top holding. I used this money in part to buy one more share@ 65$ with my DRIP)

                Power Financial (PWF) : 39.25$ (PWF is such a diversified stock : insurance, financials, name it. One of the cheapest stocks, most conservatively and well-managed company out there. What are you waiting for?).

                TransCanada Corp (TRP) : 33.90$ (I don't own TRP anymore. I still think it's a great stock but between TRP and ENB I had the latter with a slight advantage. Hence TRP not making the cut no more. Remember, I don't want to hold more than 20 individual stocks!)

My total Dividend paid for 2016 :  250.47$ + 256.52$+531.59$+313.70$  = 1352.28$

Total Dividend paid since I started Investing : 17 680.52$+313.70$ = 17 994.22$

What do you think of my dividend income stream?

Friday, April 15, 2016

A glimpse of my new Hybrid Strategy

Hey Financial Freaks,

I hope all is we'll for you guys. I've been quite busy lately working, saving and doing a little bit of investing. And no... I haven't developed any kind of "strange obsession" with anyone as of late -- well since forever I might add.  (don't get me started!)  ;-)

I have been tweaking my investing strategy though.

Like I've hinted in the past, I have made a few moves to developed a mix strategy between a dividend growth and a Index one. I know some of you are already doing this. Congrats! I also know some of you will be sticking forever with the same strategy, namely a Dividend stocks approach. Both strategies are sound in my opinion. This is why I picked both!

Like I said numerous times in the past, I don't have time (nor the passion) to monitor closely more than 20 stocks. Heck, I barely find the time to do 20 push-ups... So I thought about allowing a certain percentage of my portfolio to Index Investing. This meant I would also cut on the number of stocks I would hold since I had 22 as of late. I say "had" because I now hold only 17 individual stocks.

Since the beginning of the year, I have made more than 26 transactions. This is a lot, I know. If you do you share of reading, you probably know that when it comes to investing the less you do is the better. But I had some tweaking to do and I thought that I would be better off doing this after a 7 years bull Market than before all Hell break loose. Call it Market Timing if you want. I call it necessary changes.

All the 13 buys I have made since January 2016 have been in stocks I still hold today and will be holding for a long time.

My new Big Five holding consists of : Johnson and Johnson (JNJ), Power Corp, (POW) Bank of Nova Scotia (BNS), Royal Bank (RY) and Canadian Pacific (CP). 

Unfortunately (or fortunately in some cases), I had to let go of some companies.

I said goodbye to : Transcanada Corp (sadly, but I prefer Enbridge), Barrick Gold (good frickin' riddance!), Suncor (only sold some shares in my RRSP), COP (dividend cut = adios muchacho and thanks for the good memories), PJC.A (short-term intense romance) and POT (second time around wasn't a charm after all).

That leaves me with 17 stocks. (I will try to never hold more than 20).

Finances (4) : Power Corp, Financial Corp, Bank of Nova Scotia, Royal Bank.
Industrials (2) : Canadian National Railway, Canadian Pacific Railway.
Consumer Staple (3) : Kraft Heinz, Mondelez, Alimentation Couche-Tard
Energy (4) : Suncor, Enbridge, ATCO, Fortis.
Telecom (2) : BCE, Verizon.
Healthcare (1) : Johnson and Johnson.
REIT (1) : Cominar.

I also purchased some new Index Funds:

  • Vanguard Canada All Cap Index ETF (VCN);
  • Vanguard FTSE Developed All Cap ex North America (VIU);
  • And Vanguard short-term Canadian Bonds (VSB).

Check out my leaner portfolio here.

I also still hold two Index Funds from RBC. These funds enable me to purchase on a regular basis shares of the funds without commission.  So, twice a month, I buy new shares without really care if the Market is up or down. Eventually I will sell parts of these funds to buy new shares of my Vanguard's funds.

I find that the most important aspect of my strategy will be the balancing between my bonds % and my stocks %. This is key. Right now I have set this balance to 80-20 in favour of stocks, of course.

This means that, once or twice a year, depending on how the Market performed, I will rebalance everything.

Say, for instance, the Market had a poor year and my balance is now 65-35. This means I would only have to sell shares of my bond funds and allocate new capital to my stock funds (or my individual stocks). I could also simply allocate new capital to my stock funds to find my initial balance.

Or for instance, say the Market has performed too well and my allocation is now 95-5. Well I would then sell some shares of my stock funds and allocate the new capital money towards bonds. Simple as that!

Right now, I hold more cash than normal. I might add a Vanguard US Fund in the coming months. Not sure which one. I'm hesitating between a US currency one and a Canadian one.

But you get the gist of my strategy. It's very simple. The bonds simply act as a security cushion that enables me to balance my portfolio.

Eventually, stocks wise, I would like to get a parity between my individual stocks % allocation and my Index Funds % allocation. This means, most of my coming buys will be in my new funds. However, I swill till keep money aside to grow my actual  individual stock holdings if opportunities arise. (Like Verizon)

I realized this is a bit of a long post. I will shares my other thoughts on this new approach in coming weeks. Stay tune.

Meanwhile, let me know what you think. How do you like this hybrid strategy ? It is too passive for you?















Friday, April 1, 2016

My March 2016 Dividend Income Summary : $JNJ $ACO.X $POW $ENB $CNR $FTS $COP $SU $CUF.UN $ABX

Hey Personal Financial Freaks! This is my third Dividend Income Summary for 2016. 

As you can see on my Passive Income page, a whopping 10 companies chipped in for this month.  

In March, I managed to collect 531.59$. This is the first time, if I'm correct, that I have reached the 500$/month milestone. Shots for everybody!

The amounts are all in Canadian dollars. 

My Dividends came from:

                REIT Cominar (CUF.UN) : 31.48$ (which I use in part to buy one more unit with my DRIP);

                ATCO (ACO.X) : 57.00$ (ATCO is now a top holding for me.)

                Power Corp. (POW) : 93.38$ (POW remains one of my big 6).

                Barrick Gold (ABX) : 3.96$ (My most hated stock. Only 100 shares remaining...).

                Enbridge (ENB) : 53.00$ (A new addition to my portfolio and a keeper for the long term).

                Conoco Philipps (COP) : 16.85$. (COP and I parted ways recently. It was a minor holding)

                Fortis (FTS) : 47.25$ (which I use in part to buy one more share with my DRIP).

               Johnson and Johnson (JNJ) : 129.92$ (The king of Kings).

              Suncor (SU) : 72.50$ (SU isn't part of my big 6 anymore, it's still a force to be reckon with.)

             Canadian National Railway (CNR) : 26.25$. (I love trains, what can I say!)

My total Dividend paid for 2016 :  250.47$ + 256.52$+531.59$ = 1038.58$

Total Dividend paid since I started Investing : 17 148.93$+531.59$ = 17 680.52$

What do you think of my dividend income stream?