Dividends | June 2021

The turbulence of the pandemic and daily life meant I had not tallied my dividends in several months (if not a year!). I was not sure how much I made in June of this year but when I checked last week, I was pleasantly surprised. Just over eighty dollars.

Below is the breakdown of my TFSA, RRSP, as well as a synopsis of my various Wealthsimple accounts. I have a mix of self-directed (grandfathered from Wealthsimple’s takeover of Canadian Shareowner a while back) and an artificial intelligence portfolio for my kid’s registered education savings plan. This list does not include my husband’s investment accounts or any of our cash savings accounts.

My latest stock purchase this month was McDonald’s. I only bought 1 share with the extra cash in my Wealthsimple account. I’ve been buying way too much coffee at McDonald’s (new baby) and need to recoup my expenses!

I stand corrected – my daughter purchased McDonald’s, I just helped her (watch here). FYI when my Canadian Shareowner account was transitioned to Wealthsimple my shares stopped DRIPping and the dividends had been piling up since January.

Questrade Portfolio

Current Value:
Cash – $448.18
TFSA – $18,392.71
RRSP – $6,941.83

Total dividends: $80.37

ZRE (TFSA) – $4.50
REI.UN (TFSA) – $3.44
PLZ.UN (TFSA) – $14.95
PLZ.UN (RRSP) – $35.11
XHD (TFSA) – $3.65
XDV (TFSA) – $12.00
ACO.X (TFSA)- $6.72

*As of June, my PLZ.UN dividends are automatically reinvested (Synthetic DRIP)

Wealthsimple Portfolio

Invest (A.I. investing)

RESP (Risk level 10) – $10,363.77

Trade (Self-directed, non registered)

Current Value: $3,474.55
Current Holdings:
AFL – 1.6762
AIG – 2.2014
BNS – 1.2938
BRK.B – 1.35
C – 0.9622
CAR.UN – 1.9244
CM – 0.8822
CWB – 2.6702
JNJ – 0.9782
MCD – 1 (Just purchased)
NA – 1.555
PNC – 0.4756
RY – 5.0961
SNV – 1.5417
TD – 1.3304
USB – 1.4915
VWO – 2.0556

Account Value: $1088.22
Bitcoin – 0.02721


Total Account Value: $942.83

Stellar Lumens
The Graph

So far, I am very pleased with Wealthsimple’s A.I. portfolio manager, especially now that I am busier. I fund the account with weekly automatic deposits of $125 ($25 per kid). Baby #6 will be added to the RESP shortly, bumping the total weekly deposit to $150. Dividends in this account are automatically reinvested, however the downside for curious folk like myself is that I don’t get to see which company is paying and how much. I just see the total amount reinvested.

This month I am setting up an automatic deposit on an A.I. led personal account at Wealthsimple. I will be starting with $25 a week.

Also, after to speaking with our accountant this past month, he encouraged us to stop putting money into both our RRSPs and focus on our TFSAs due to our low family income. Figuring out how much I can put into my TFSA will be a bit finicky. I have plenty of contribution room in my and my husband’s TFSA however, this summer we are building a fence and replacing our minivan (we need at least 8 seats). Also, 2 weeks ago we splurged and got a Thermo Pump also known as a air conditioner in the rest of the world (LoL). We are hoping to purchase our wood from a relative to save on lumber costs and the van will be used of course. This will hopefully save us a few thousand. Once some extra cash is available my plan is to add some funds to get XDV dripping. This should get my monthly dividends in Questrade up to $100 a month.

That’s it for June.

Happy investing!


Why you Need to Start Investing NOW!

Welcome to Part 2!

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” – Paul Samuelson

When most people think about investing, they conjure up the image of a day trader, hedge funds and options traders glued to their monitors filled with complex graphs or the raucous New York Stock Exchange trading floor.

Buy low, sell high. Someone wins, someone loses. Big wins, but also so many, many thunderous losses.

This is also no different than going to the casino and gambling. I’d rather keep my money, thanks!

However, what if I told you – you never have to sell your shares in order to make money? It’s true.

But first, in this post let’s go over the basics.  I’ll touch on 3 topics:

  • The importance of time
  • The power of compounding interest
  • Dollar-cost-averaging


“You get recessions, you have stock market declines. If you don’t understand that’s going to happen, then you’re not ready, you won’t do well in the markets.” – Peter Lynch

Recessions happen. However, when you invest for dividends you are in it for the long run. Just like the four seasons, after winter spring is just around the corner. the economic cycle starts all over again and markets recover. Just be sure you are still around for when things go back up and you don’t leave when a downturn occurs.

I am not a fortune teller. I can’t tell you when the next recession will happen. The last one was in 2008, 10 years ago. So no matter what, there will be another recession. A mini one or a big one, I don’t know, but it will happen.

Remember, it is not the timing of the market that is important, but the time spent in the market. This will all make sense when we take a look at compounding interest and dollar-cost-averaging next.

The Power of Compounding Interest

What is compounding interest? Sweet and simple, it’s literally interest on the interest. Once your money earns interest and is reinvested, that interest earns interest etc. Compounding on itself – thus compounding interest.

Why is it important? Your money grows faster and faster over time. The more time you allow your interest to compound the quicker you accumulate more money.

Check out this cool illustration over at Direct Investing. They even have a nifty calculator to see how much you can earn over time.

Now, onto dollar-cost-averaging…


Yep, more math. But I promise, it is not hard!

All dollar-cost-averaging is, is putting in small amounts of money on a consistent basis (like once a month or once a quarter).

By buying shares in a company slowly, you are in turn buying the stock at different price points. Sometimes high, sometimes low.

Here is a nice example.

If you are putting in the same amount each time, lets say for simplicity sake $100 per month, and the price this month is $50 per share. You will end up buying 2 shares. Next month the price drops to $25, with the same $100, you buy 4 shares. Then the price jumps to $80 by the third month, you only buy 1.25 shares.

After 3 months you would have 7.25 shares and spent $300 total, at an average price of $41.38 per share. If you bought $300 worth at $50 the first month, you would only own 6 shares. At $80 per share, you would own just 3.75 shares! Dollar-cost-averaging can help you buy more shares, which will earn you more dividends in the long run.

If the price is high, you buy less. When the price of the share is low, you buy more. Over time the price at which you purchased your shares averages out to be a bit lower.

Neat, eh? Besides, I really love it when the things are on sale 😉

AND… the cool thing is, if you reinvest your dividends automatically you are already putting dollar-cost-averaging and compounding interest to work! Easy-peasy.

That’s it for this post!

Join me next week for Part 3, where I get into the nuts and bolts of how to buy your first share.

Dividends | August 2018

Happy Friday to everyone,

I have finally put my dividends onto a graph and seeing the progress visually is very satisfying. I am going somewhere and it is in the right direction. Up, up, up!

Progress up until August 2018

Now down to the nitty gritty…


Laurentian Bank – $3.20 (Laurentian had a nice dividend increase last quarter from $0.63 to $0.64)

Emera – $23.17

Inter Pipeline – $11.48

Transalta Renewables – $6.66


Plaza Retail REIT – $6.67 (Plaza had a dividend increase from $0.0233 per month to $0.02333 back in April this year)

Bringing this month’s total to $51.18. Looking at my monthly budget, this would cover my internet bill of $46 plus a couple coffees.

Using Plaza Retail REIT as my guideline, I calculated my family would need  $555,000 invested for our dividends to provide roughly $3000 a month, covering all of our current expenses in today’s dollars. This would allow my husband to stop working, and I could go back to work for fun. (See ya sucker! Have fun with that laundry and dishes! Hahaha, just joking he already helps. Or am I? Mmm…)

August Dividend Total

2018 Dividend Total: $462.16
2018 RRSP Dividend Total to $39.13

I’ve officially passed $500 in annual dividends!

Happy Investing,