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Discussion Starter · #21 ·
JUNE 1, 2016
TFSA-$63,163.89
RRSP-$74,402.00
Savings-$26,950.89
Pension-$164,205.00
TOTAL at the end of June $329,720.89


JULY 1, 2016
TFSA-$62,829.00
RRSP-$74,190.00
Savings-$28,040.00
Pension-$165,545.00
July total = $330,604.00 Month over month of $884 and 0.3%

August 1, 2016
TFSA-$62,100.00
RRSP-$74,900.00
Savings-$30,540.00
Pension-$166,845.00
August total = $334,385.00 Month over month increase of $3,781 and1.29%

September 1, 2016
TFSA- $61,300
RRSP- $75,000
Savings- $31,500
Pension- $167,340
September total = $335,140. Month over month increase of $755 or 0.24%

October 1, 2016
TFSA- $61,700
RRSP- $78,350
Savings- $33,950
Pension- $168,209
OCTOBER total = $342,239. Month over month increase of $7096 or 2.12%

November 1, 2016
TFSA- $61,239
RRSP- $75,063
Savings- $40,178
Pension- $169,500
NOVEMBER total = $345,980. Month over month increase of $3741or 1.09%



Cheers
Steve
December 1, 2016
TFSA- $64,032
RRSP- $85,156
Savings- $41,382
Pension- $171,000
DECEMBER total = $361,570. Month over month increase of $15,590 or 4.51%

Total Dividends I received in November was $515

November was a great month.
 

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Discussion Starter · #22 · (Edited)
End of the Year update


JAN 1, 2017
TFSA- $66,878
RRSP- $88,353
Savings- $49,500
Pension- $171,605
JAN total = $376,360. Month over month increase of $14,757 or 4.08%

Total Dividends I received in November was $766

Total yearly dividends was $6,192

Self Directed Portfolio
TFSA 33.82% VS TSX 15.45% +18.37% above the TSX not including Dividends.
RRSP (Hold US Stocks) 21.90% VS DJIA 10.91% +10.99% Above the Dow not including Dividends.
Savings (3.42) VS TSX 15.45% -18.87 Below the TSX. This was in BOND etfs about 20G so i'm down a few hundred :(

Pension
I believe it to be fixed at 4% but i'm calculating it a 0% and only my contributions will be added.

My house which is paid off in full increased $300,000 but I live in Vancouver and I don't like to view my house as an investment and think that prices should come down by over 50%



Age: 37
Net Income (after taxes): $118,000 (Single income family of 5)
Status: Married

Assets

House 1,000,000.00
TFSA $67,000
RRSP $88,000
Savings $49,500
Pension $171,505
Vehicles $40,000
Silver and Cash $10,000.00 (Bought more silver :))
Brokerage. $10,500.00




Liabilities
$0


Net Worth
$1,436,500
 

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Discussion Starter · #23 ·
Jan 31, 2017 Update#1

TFSA- $85,740
RRSP- $90,451
Savings- $45,265 (moved $5,500 to TFSA)
Pension- $174,080
JAN total = $394,438. Month over month increase of $18,120 or 4.80%

Total Dividends I received in January was $639.12

Total yearly dividends to date is $639.12



Year Total Dividends Received
2014 $2,421.00
2015 $4,169.00
2016 $6,192.86
2017 $639.12
2018
2019
2020
Total $13,421.98 of free money :)
 

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Discussion Starter · #24 ·
February 28, 2017
Yearly update #2

TFSA- $88,483
RRSP- $88,369
Savings- $51,827
Pension- $175,845
Feb total = $404,524. Month over month increase of $9,067 or 2.29%

Total Dividends I received in February was $557.24

Total yearly dividends to date is $1,196



Year Total Dividends Received
2014 $2,421.00
2015 $4,169.00
2016 $6,192.86
2017 $1,196
2018
2019
2020
Total $13,997 of free money since 2014
 

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Discussion Starter · #25 ·
I'm pretty excited to be over that $400k mark.

I plan to hit the $500k by this month next year.

Onwards and Upwards :)
 

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How did you manage to pay the mortgage off so fast? I mean age 37 and 1 (decent) income but a family of five?

Most people don't mange to pay their mortgages before mid 50s especially on one income.

Edit: just read the first post got it. Was it difficult to get your wife on board. That is a huge issue on the MMM forums
 

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Discussion Starter · #28 ·
How did you manage to pay the mortgage off so fast? Was it difficult to get your wife on board?
Hi Lost in Space.

It was and is very difficult to get the wife on board and it's a continuing thing. Luckily, she is frugal by nature so this helps to a degree. The way I convince her to let me save and invest so much is by explaining the truth to her. I am doing it for HER retirement. Mine is already funded through my work so I am investing to build her a nest egg.

It also helps that I don't spend anything on myself so I try to lead by example. One thing we never do is scrimp on the kids. If anything I would count them as spoiled. So there is that.

Thanks for taking the time to read :)
 

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Discussion Starter · #29 ·
March 31, 2017
Yearly update #3

TFSA- $88,512
RRSP- $90,119
Savings- $57,920
Pension- $177,832
Feb total = $414,383. Month over month increase of $9,859 or 2.44%

Total Dividends I received in March was $850.50

Total yearly dividends to date is $2,046



Year Total Dividends Received
2014 $2,421.00
2015 $4,169.00
2016 $6,192.86
2017 $2,046
2018
2019
2020
Total $14,829 of free money since 2014
 

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Discussion Starter · #30 · (Edited)
April 31, 2017
Yearly update #4

TFSA- $87,886
RRSP- $94,155
Savings- $54,872 **Typo Savings total this month is $64,872
Pension- $180,028
April total = $426,941. Month over month increase of $12,557 or 3.03%

Total Dividends I received in April was $931.94

Total yearly dividends to date is $2,978



Year Total Dividends Received
2014 $2,421.00
2015 $4,169.00
2016 $6,192.86
2017 $2,978
2018
2019
2020
Total $15,761 of free money since 2014 :courage:
 

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Out of curiosuty checked YTD ours dividend/interest income on all account: interest $4,100 , dividends $8,300. Total $12,400
In 2016 it was: Interest $10,150, dividends: $23,890
 

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Discussion Starter · #35 ·
Out of curiosuty checked YTD ours dividend/interest income on all account: interest $4,100 , dividends $8,300. Total $12,400
In 2016 it was: Interest $10,150, dividends: $23,890

I don't track capital gains as much as dividends. I'm trying to FIRE and my goal is to make 2g a month.
 

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Discussion Starter · #36 ·
Would you mind to share the name of stocks or ETFs you are holding in the TFSA & RRSP accounts?
I have around 30 companies. The only ETF I hold is ZLB.TO

Biggest holdings right now are AQN, ENB, RY, CWB, PLZ.UN, NKE, O, WPC, AX.UN, ALA, WDC

All holding listed below

TSE:NVU.UN
TSE:pZA
O
TSE:AD
TSE:ENF
TSE:SJR.B
TSE:ALA
TSE:CPG
TSE:AX.UN
TSE:D.UN
TSE:pLZ.UN
TSE:AQN
WDC
TSE:ZLB
NKE
WPC
TSE:RY
OHI
GIS
TSE:pWF
TSE:SU
TSE:TS.B
NVDA
TSE:XTC
TSE:BIP.UN
CVE:pTG
TSE:CWB
TSE:ENB
NASDAQ:BBRY
TSE:BTE
TSE:SHOP
TSE:REW
 

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I have around 30 companies. The only ETF I hold is ZLB.TO

Biggest holdings right now are AQN, ENB, RY, CWB, PLZ.UN, NKE, O, WPC, AX.UN, ALA, WDC

All holding listed below

TSE:NVU.UN
TSE:pZA
O
TSE:AD
TSE:ENF
TSE:SJR.B
TSE:ALA
TSE:CPG
TSE:AX.UN
TSE:D.UN
TSE:pLZ.UN
TSE:AQN
WDC
TSE:ZLB
NKE
WPC
TSE:RY
OHI
GIS
TSE:pWF
TSE:SU
TSE:TS.B
NVDA
TSE:XTC
TSE:BIP.UN
CVE:pTG
TSE:CWB
TSE:ENB
NASDAQ:BBRY
TSE:BTE
TSE:SHOP
TSE:REW
Interesting list. Few, as another commenter noted "dividend champs" but mostly many high-yielders. We share some of the same though but with SHOP, BBRY, etc. you're most speculative about newer companies than I am! 30 companies is getting rather diverse.

I specifically like these calls and holdings for long-term growth and juicy dividends: AQN, ENB, RY, OHI, BIP.UN.
 
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