Tuesday, September 13, 2016

In Depth Look at My Portfolio

Hello everybody I hope you are all doing great. I started this blog earlier this year and I realised that I have yet to do a post about how my stocks are doing and the diversification of my portfolio. Sure I talk about how much dividends I receive from each company I own. Today I thought it would be fun to show you how my stocks are doing since I purchased them and to also show what sectors of the market I am invested in.

By doing this post I believe it will help me become a better investor. I will show you a breakdown of both of my accounts that make up my portfolio. The numbers you will see are from September 11, 2016 so they are pretty up to date. Also just wanted to mention that when you see the gain/loss numbers they do not include dividends received just appreciation or depreciation.


TFSA


SharesBook ValueMarket ValueGain/Loss
Chorus Aviation273$1,540.32$1,638.006.35%
Corus Entertainment69$884.87$844.564.56%
Inter Pipeline131$2,983.65$3,635.2521.84%
ZCL Composites Inc.127$1,152.95$1,268.7310.04%
Artis REIT155$1,809.38$2,004.1510.76%
Boardwalk REIT70$2,967.45$3,546.9019.53%
Boston Pizza Royalties Income107$1,786.15$2,302.6428.92%
Keg Royalties Income Fund166$2,997.95$3,399.6813.40%
Total15.61%
Cash$334.20

My TFSA account currently consists of eight dividend stocks, seven pay monthly and one quarterly. All of the stocks were purchased throughout the course of this year. I am quite pleased so far as I have gained 15.61%. As you see I have a small bit of cash sitting in the account at the moment I intend to continue to build up my cash in case of a market correction, so no new purchases are planned for the near term.


Above Above you can see what percentage each stock has within my TFSA.



Above you can see a breakdown of which sectors I have so far invested in. In the future I would like to add to Basic Materials and possibly add Healthcare in an effort to help diversify the account.

RRSP

SharesBook ValueMarket ValueGain/Loss
Algonquin Power & Utilities309$2,916.48$3,686.3726.40%
Alimentation Couche-Tard9$574.70$586.622.07%
Bombardier1$1.23$2.0163.41%
BCE110$5,363.71$6,703.4024.98%
Bank of Montreal71$5,641.20$6,076.187.71%
Canadian Utilities130$5,134.25$4,807.406.37%
Enbridge94$5,166.87$5,462.345.72%
Fortis161$5,239.90$6,589.7325.76%
JPMorgan & Chase88$5,395.82$7,643.5341.66%
Leon's Furniture1$24.08$16.0233.47%
Magna International44$2,200.96$2,287.563.93%
North West Company1$39.00$26.6331.72%
Proctor & Gamble62$5,378.00$6,968.0629.55%
Potash Corp45$1,072.85$996.307.14%
Power Corp of Canada36$974.75$971.280.36%
Pizza Pizza Royalty Corp235$3,186.17$3,586.1012.55%
Royal Bank of Canada77$5,832.98$6,215.446.56%
Telus69$2,951.98$2,900.071.76%
TransCanada102$5,156.15$6,217.9220.59%
Westjet1$30.40$24.0021.05%
Cash$1,022.95Total15.22%

My RRSP consists of 20 stocks 19 of which pay dividends (18 quarterly and 1 monthly). Since July 2014 my RRSP account has gained 15.22%. I have enough cash on hand to make a purchase if I want however like my TFSA account I am planning on building up my cash, and no new purchases are being planned at this time.



Above you can see what percentage each stock has within my RRSP account. Both of my American stocks are the biggest as the exchange rate has helped push them higher.



Above you can see a breakdown of which sectors I have so far invested in. Financials and utilities have a large percentage and that may lead me to think about selling a financial stock in order to reduce my exposure.

TFSA and RRSP Combined



Above you can see what my entire portfolio is invested in by sector.

Working on this post has allowed me to see that I need to diversify my portfolio better there are areas that I have yet to invest in such as healthcare. There are other areas such as industrials, basic materials where I want to increase my investments.

Thank you for reading I greatly appreciate it. If you have any comments I would love to read them.

Matthew

Friday, September 2, 2016

August 2016 Income

Hello everyone I hope you are all doing great. This is my favourite post as I get to tell you how my portfolio did in the month of August. August was a quiet month for me as I did not make any purchases, I sat back and collected dividends.

My portfolio consists of two accounts a TFSA (Tax Free Savings Account) and an RRSP (Registered Retirement Savings Account). For my TFSA I earned $89.14, and my RRSP earned $209.09 for a total of $298.23 so close to $300.

TFSA


Inter Pipeline$17.03
The Keg Royalties Income Fund$15.24
Artis Real Estate Investment Trust$13.95
Boardwalk Real Estate Investment Trust$13.13
Boston Pizza Royalties Fund$12.31
Chorus Aviation$10.92
Corus Entertainment$6.56

RRSP

Royal Bank of Canada $62.37
Bank of Montreal$61.06
Proctor & Gamble$53.56
Pizza Pizza Royalty Corp$16.76
Potash Corp$14.64
Alimentation Couche-Tard$0.70

2016 Dividends

I have received a total of $2,373.72 this year. At the beginning of 2016 I set a goal of wanting to receive $3,500 so I still have $1,126.28 to go before I achieve it.




Increases/Decreases

In August my portfolio received two dividend increases and no decreases.

  • On August 10th, 2016 The Keg Royalties Income Fund increases their dividend 2% $0.0900 to $0.0918.
  • On August 24th, 2016 Royal Bank of Canada increased their dividend 2% $0.81 to $0.83.


So that wraps up my August post I hope you guys had a good month as well. Let me know how you are doing?

Wednesday, August 24, 2016

Royal Bank of Canada Increases Dividend Once Again

Hello everyone I hope you are all doing great. Today my portfolio received a dividend increase. Today Royal Bank of Canada after releasing their third quarter earnings announced an increase to their dividend.



Royal Bank of Canada (RBC) is a diversified financial services company. The Company provides personal and commercial banking, wealth management services, insurance, investor services and capital markets products and services on a global basis. It operates in five segments: Personal & Commercial Banking, which operates comprises its personal and business banking operations, as well as its auto financing and retail investment businesses; Wealth Management, which comprises Canadian Wealth Management, United States and International Wealth Management and Global Asset Management (GAM); Insurance, which operates under two business lines: Canadian Insurance and International Insurance; Investor & Treasury Services, which is a provider of asset servicing, custody, payments and treasury services, and Capital Markets, which comprises two business lines: Corporate and Investment Banking and Global Markets. It operates in three geographic segments: Canada, United States and Other International.

(Source: Google Finance)

Royal Bank of Canada currently pays a dividend of $0.81 with today's announcement the dividend will increase 2% to $0.83. This will be payable on November 24th, 2016. Since I initiated a position with RBC this is the 5th increase I have received since 2014.

I currently own 77 shares and with this announcement my income will increase $1.54 in 2016.

If you own shares in the bank (TSX: RY) congrats on the raise.

Matthew

Wednesday, August 10, 2016

Another Raise From The Keg Royalties Income Fund

Hello everybody how are you? I got home from work today and discovered some exciting news I got a raise not from work but from one of my stocks :)


The Keg Royalties Income Fund is a limited purpose, open-ended trust. The Trust's objective is to provide consistent monthly distributions to unitholders at the highest sustainable level, and the Trustees of the Trust review distribution levels on an ongoing basis to fulfill that objective. The Trust pays distributions on a monthly basis to unitholders. The Trust is administered by its trustees and by the Keg Rights Limited Partnership (Partnership). The Trust, through the Partnership, owns The Keg trademarks and other related intellectual property from Keg Restaurants Ltd. The Trust makes cash distributions to its unitholders of amounts received by the Trust pursuant to interest paid on the Keg Loan and the Notes and pursuant to distributions on the Trust Units, less estimated amounts required for the payment of expenses, any cash redemptions of Units and reasonable reserves. The Keg GP Ltd. is the managing general partner of the Partnership and administrator of the Trust.

(Source Google Finance)

Today The Keg Royalties Income Fund increased the dividend 2% from $0.0900 per unit to $0.0918 per unit beginning with the August distribution. This is the second dividend increase from The Keg in 2016 ( 2.9% increase in May 2016).

I own 166 shares and this is the second increase that I received this starting a position in the stock. With this raise my income will increase $1.50.

Thanks for reading I hope everyone is receiving increases :)

Matthew

Wednesday, August 3, 2016

July 2016 Income

Hello everybody another month is in the books, 2016 is flying by way to fast. It is time for my favourite post where I get to tell you how my portfolio did for the past month. I have exciting news July was my BEST month in terms of dividends received. In July I received a total of $367.33 my previous high was in April when I had received $346.87.

My portfolio is made up of two accounts my TFSA (Tax Free Savings Account) and RRSP (Registered Retirement Savings Plan). For my TFSA I received $88.84 it is slightly higher than previous months has I received my first payment from Corus Entertainment. For my RRSP I received $278.49.

TFSA

Inter Pipeline$17.03
The Keg Royalties Income Fund$14.94
Artis Real Estate Investment Trust$13.95
Boardwalk Real Estate Investment Trust$13.13
Boston Pizza Royalties Fund$12.31
Chorus Aviation$10.92
Corus Entertainment$6.56
RRSP

BCE$75.08
TransCanada$57.63
JP Morgan$54.87
Algonquin Power & Utilities$42.00
Telus$31.74
Pizza Pizza Royalty Corp.$16.76
North West Company Inc.$0.31
Leon's Furniture$0.10

Dividends Received in 2016

So far in 2016 I have received a total of $2040.31




Dividend Increases/Decreases


  • On July 12th Alimentation Couche-Tard increased their dividend 1 cent per share or 15% to 7.75 cents.
  • On July 28th Potash Corp cut their dividend 60% to $0.10 US from $0.25 US.


Purchases

I made one purchase in July. On July 18th I purchased 127 shares @$9 of ZCL Composites Inc.


Thanks for reading I hope everyone had a great month as well :) please feel free to post comments I would love to hear your thoughts.

Thanks
Matthew

Thursday, July 28, 2016

Potash Corp Cuts Dividend 60%


Hello everyone I wish I was writing about something positive happening to my portfolio, but today it suffered a small setback. Today Potash Corp announced that they were cutting their dividend by 60% to $0.10 US from $0.25 US.

This is the second dividend cut for Potash Corp in recent months. In a way I am glad they did this because ever since they cut the dividend there was consistent talk that the cut wasn't deep enough. I believe this move will help free up cash until the fertilizer market improves. This morning when I read the news the first thought was to go sign in to broker account and sell, but after a few minutes I calmed down and realised that I would be overreacting since I am in this for the long haul I am going to keep the stock in my portfolio and monitor the situation.

I currently own 45 shares of Potash Corp and with the dividend cut I will lose $13.50 in passive income for the remained of 2016.

Thanks for reading

Matthew

Monday, July 18, 2016

New Purchase - ZCL Composites Inc.

Hello everybody hope you are all doing great. Today I made a purchase and would like to share it with you. The newest stock to my portfolio is:



ZCL is North America’s largest manufacturer and supplier of environmentally friendly fibreglass reinforced plastic (“FRP”) underground storage tanks. We also provide custom engineered aboveground FRP and dual-laminate composite storage tanks, piping and lining systems, and related products and accessories where corrosion resistance is a high priority. ZCL has five plants in Canada, six in the US and one in The Netherlands.

The Company has three product groups, Petroleum Products, Water Products and Corrosion Products, and continues to leverage off the strong brand identities of ZCL, Xerxes, Parabeam, ZCL Dualam and ZCL Troy. The Petroleum and Water Products groups are components of the Underground Fluid Containment (“Underground”) operating segment, use a similar production process, and use the brand identities of ZCL, Xerxes, and Parabeam. Corrosion Products are included in the Aboveground Fluid Containment (“Aboveground”) operating segment and use the brand identities of ZCL Corrosion, ZCL Dualam and ZCL Troy.

Underground Fluid Containment (Petroleum Products)

ZCL is the leading provider of underground fuel storage tanks for the downstream retail and commercial markets in both Canada and the US. The Company also supplies tanks for pipelines (midstream petroleum markets) and for oil and gas exploration companies (upstream petroleum markets). The vast majority of tanks supplied to these markets are double wall tanks, with single wall and triple wall models also available. In addition, ZCL operates internationally through technology licensing agreements.

As an alternative to the replacement of underground storage tanks, ZCL also provides the Phoenix System®. This unique Underwriters Laboratories (“UL”) and Underwriters Laboratories of Canada (“ULC”) listed tank system allows in-situ upgrades of steel or fibreglass tanks to either a secondary containment system or a fully self-supporting double wall tank. It is an effective alternative to tank replacement.

A key component of both ZCL’s double wall tank and the Phoenix System® is Parabeam®, a three-dimensional glass fabric that is manufactured and distributed from the Company’s facility in The Netherlands.

Water Products

ZCL’s lightweight, watertight and easily installed fibreglass tanks are an ideal alternative to the concrete products that have traditionally dominated this market.

Applications for ZCL’s underground FRP storage tanks in the Water Products market include onsite wastewater treatment systems, fire protection systems, potable water storage, rainwater collection, large diameter wet wells and lift stations, grease interceptors and storm water detention systems.

Aboveground Fluid Containment ( Corrosion Products)

ZCL manufactures custom designed and engineered aboveground tanks, piping and related products and accessories for industrial projects where corrosion and abrasion resistance is high priority. ZCL’s capabilities include the manufacture and installation of custom engineered FRP and dual-laminate composite products for use in the power generation, chemical, chloralkali, pulp and paper, agriculture, mining and Oil Sands industries.

(Source for above information ZCL Composites 2015 Annual Report)

2016 First Quarter Highlights


  • Revenues up 12%
  • Net income up 104%
  • Gross Margins doubling to 18%
  • EBITDA up 46%
  • Increased dividend 60%
  • Paid special dividend of $0.50
Majority of the revenues was generated by the Underground segment including both the Downstream Petroleum and the Water Products groups, which are benefiting from the low energy prices.

Revenue Per Product Group




Revenue Per Geography




Dividends

ZCL Composites Inc. started paying a dividend in 2012 $0.01 per share, since then they have increased it every year. In that time frame the dividend increased 9 times. This year the dividend was increased 60% to $0.08, also there was also a special dividend where the company paid out $0.50 per share in April.




Stock Purchase Details

As mentioned above today I purchased 127 shares @ $9.00 a share with a trading cost of $9.99 for a total cost of $1152.99. This purchase will provide me dividend income of $20.32 for the remainder of the year if the dividend remains the same. The stock was purchased in my TFSA account.

So what do you guys think? I would love to hear your opinions.

Thanks for reading.