Portfolio

Canadian Prime 12 as of May 1, 2021 Annualized Return inside Portfolio 20-Yr Trend Ticker Company Cost Basis Market Value Total Capital Dividend Dip Factor Dip % Overall Capital Grade Comment ATD.B Alimentation Couche Tard 10743.80 $ 12495.00 $ 20.22% 19.36% 0.87% 2.02 12.30% 8.3 20% 8.25 Excellent Solid BCE BCE Inc. 13431.12 $ 13944.00 $ 5.51% 2.04% 5.62% 0.57 3.39% 8.6 10% 8.25 Excellent Great since 2009 NA National Bank 9971.53 $ 14744.40 $ 62.74% 58.96% 3.78% 0.07 0.52% 8.8 13% 8.5 Excellent Very solid CNR Canadian National Railway 5009.99 $ 6616.50 $ 45.70% 43.52% 2.18% 2.32 11.45% 9.5 16% 9.5 Excellent Solid stud CP Canadian Pacific Railway 8304.00 $ 16972.27 $ 21.54% 20.43% 1.11% 0.63 6.27% 8.6 18% 9.25 Excellent Almost a stud EMA Emera 5887.56 $ 10894.65 $ 15.94% 10.48% 5.46% 0.68 4.77% 8.6 11% 8.25 Excellent Reliable FTS Fortis Inc. 10367.39 $ 10691.85 $ 8.75% 5.17% 3.58% 0.34 2.71% 8.6 11% 8.25 Excellent Very steady IFC Intact Financial Corporation 9708.49 $ 11436.60 $ 31.05% 28.03% 3.02% 0.13 0.77% 9.3 33% 9,25 Excellent Steady strong MRU Metro Inc. 12995.44 $ 17346.56 $ 14.30% 12.26% 2.04% 3.36 14.99% 9.6 15% 9.25 Excellent No worry stud RY Royal Bank of Canada 11985.40 $ 20529.25 $ 14.84% 10.40% 4.44% 0.19 1.35% 8.3 11% 8 Excellent Good choice T TELUS Corporation 11598.26 $ 14025.00 $ 12.96% 7.85% 5.11% 0.99 7.41% 8.9 5% 8.25 Excellent Better since 2009 TD Toronto-Dominion Bank (The) 18868.87 $ 24082.50 $ 6.88% 4.13% 2.75% 0.17 1.18% 8.5 11% 8 Excellent Rock solid Note: Click on grade for link to StockChart US Prime 12 as of May 1, 2021 Annualized Return inside Portfolio 20 Yr Trend Ticker Company Cost Basis Market Value Total Capital Dividend Dip Factor Dip % Overall Capital Grade Comment AAPL Apple 1806.08 $ 18099.62 $ 30.83% 28.96% 1.87% 1.13 9.39% 8.6 23% 9.25 Excellent One of the best ADP Automatic Data Processing 12183.36 $ 14021.88 $ 32.69% 29.58% 3.11% 0.87 5.22% 8.4 10% 7.25 Good Stud after 2003 CL Colgate Palmolive 8297.16 $ 8928.41 $ 8.58% 6.52% 2.07% 0.94 6.61% 7.8 7% 6 Decent Steady COST Costco Wholesale 5149.75 $ 11435.26 $ 27.04% 24.83% 2.21% 0.54 5.36% 8.8 13% 7.5 Good Very solid JNJ Johnson & Johnson 11642.41 $ 17403.83 $ 15.93% 12.19% 3.73% 0.97 6.29% 8.0 9% 7 Decent Steady as can be MA Mastercard 4035.99 $ 5636.00 $ 41.28% 40.79% 0.49% 0.61 4.84% 7.8 36% 7.75 Good Dominant MCD McDonald's Corp. 4934.19 $ 11608.53 $ 18.15% 14.64% 3.51% 0.01 0.09% 8.4 11% 7.25 Good Solid after 2003 MMM 3M Co. 4986.76 $ 10905.49 $ 13.34% 9.87% 3.47% 0.49 2.96% 8.6 10% 7.25 Good Reliable PEP Pepsico Inc. 6538.61 $ 17721.59 $ 12.33% 8.93% 3.40% 0.44 3.10% 8.5 8% 7 Decent Solid despite 2009 hiccup SBUX Starbucks 4898.80 $ 7037.13 $ 77.53% 74.42% 3.11% 0.54 3.77% 9.3 17% 8.5 Excellent Stellar UTX United Technologies Corp. 2460.59 $ 4604.71 $ 8.93% 6.39% 2.54% -1.88 -12.24% 7.9 7% 6.75 Decent Very nice V Visa 5353.71 $ 12345.96 $ 25.21% 24.59% 0.62% 0.17 1.66% 9.8 27% 9.5 Excellent Strong Note: Click on grade for link to StockChart Extra 12 as of May 1, 2021 Annualized Return inside Portfolio 20-Yr Trend Ticker Company Cost Basis Market Value Total Capital Dividend Dip Factor Dip % Overall Capital Grade Comment AQN Algonquin Power & Utilities 6875.21 $ 7436.25 $ 17.64% 12.56% 5.08% 3.25 12.53% 8.3 8% 8.25 Excellent Steady BMO Bank of Montreal 6901.80 $ 15777.36 $ 13.29% 8.10% 5.19% 0.20 1.61% 7.0 10% 8 Excellent Almost there CAE CAE Inc. 3042.04 $ 5390.00 $ 95.69% 95.69% 0.00% 0.30 2.38% 8.5 13% 8.5 Excellent Adaptative CTC.A Canadian Tire Corporation 11055.11 $ 16653.20 $ 13.89% 11.26% 2.63% 0.56 3.62% 8.1 13% 7.25 Good Solid ENB Enbridge Inc. 5282.49 $ 5926.25 $ -2.12% -7.10% 4.98% 0.04 0.32% 7.8 11% 7.5 Good Faltering INTC Intel Corp 3289.73 $ 3536.08 $ 27.77% 25.28% 2.49% 3.07 16.00% 7.8 8% 7.75 Good Wavy strong OTEX Open Text 6763.92 $ 6945.60 $ 5.59% 4.17% 1.42% 1.53 9.56% 8.0 13% 8 Excellent Emerging PG Procter & Gamble 6815.57 $ 8200.66 $ 13.56% 9.87% 3.69% 2.11 9.19% 7.6 7% 6.25 Decent Stable but slow TRP TransCanada Corp. 4009.78 $ 6385.05 $ 10.86% 5.44% 5.42% 1.77 10.43% 8.0 8% 7 Decent Still steady Note: Click on grade for link to StockChart Annualized Return inside Portfolio Total Capital Dividend Other Average Total Stock Portfolio Value  415013.53 $ 12.91% 9.09% 3.48% 0.33% 8.4 13.26% 7.66 Other Holdings  91563.34 $ Total Value  506576.87 $ * Note: all values are in Canadian dollars

My Portfolio

Here’s my real-life portfolio. I hope it can inspire some of you to invest on your own. 

I will do my best to update this page every 12 weeks or so.

I’m no expert and you can see that some of my stock picks were far from perfect. But on average, a Good Return in the Long Run was still attainable.

Again, guided by the 12-Minute Approach, the core of my holdings is constituted by 12 solid Canadian stocks and also 12 reliable US stocks. With the remaining 12 other stocks in my portfolio, I sometime take the liberty to tackle a bit more risk.

To reduce time spent monitoring and managing my portfolio, I contempt myself within these three 12-stock series. Adequate diversification can still be obtained that way.

My Watch List is also limited to about 12 candidates.

I still try improving my portfolio with only a couple of changes every year as avoiding unnecessary transaction fees is always a priority of mine.

  

My brokerage accounts are currently with Questrade and i-Trade. I use Cost-Friendly Tools as much as possible and also developed one of my own, the Dip Factor.

I don’t directly manage all my investments as my personal and work-related situation provided me with more tax efficient possibilities. In due time, I’ll eventually be able to transfer all these assets to my DIY accounts. I almost can’t wait!

Also note our pension plans are not included in these figures.

Here’s an overview of the evolution of my portfolio since 2008:

Portfolio Value

DIY Portfolio Value (Total Investment Value) as of January 1st

2008   16 910.87$ (30 576.82$)  

2009   22 382.12$ (36 903.03$)  

2010   37 017.00$ (66 822.61$)  

2011   44 091.71$ (92 214.53$)  

2012   62 896.37$ (108 299.34$)  

2013   88 633.36$ (146 283.43$)  

2014   112 231.62$ (185 535.55$)  

2015   131 723.62$ (215 896.22$)  

2016   166 813.16$ (254 477.64$)  

2017   202 116.02$ (297 738.89$)  

2018   234 451.73$ (338 994.11$)  

2019   239 937.40$ (346 347.94$)  

  

January 2016 Note: Chart updated with 2016 figures.

January 2017 Note: Chart updated with 2017 figures.

January 2018 Note: Chart updated with 2018 figures.

January 2019 Note: Chart updated with 2019 figures.
January 2020 Note: Chart won’t be updated anymore.