Tuesday, January 12, 2016

How did I do in 2015

I have a portfolio mainly of dividend growth stocks. I am currently taking out money each year for living expenses. I have little in resource stocks. The breakdown of portfolio is Financials (29.53%), Utilities (22.17%), Industrials (18.67%), Consumer (15.21%), Real Estate (6.01%), and Resources (1.14%). The rest is mostly in cash and near cash (GICs, Investment Savings).

My total income increased by 8.9% last year. The increase in my dividend income was 7.6% last year. I have GICs in my RRSP/RRIF accounts so my dividend increases and my total income increased will be different. My 5 year median total income growth is 8.93% and my 5 year median dividend growth is 9.23%.

I spent 85% of my total income in 2015. The 5 year median of what I spend of my income is also around 85%.

I did my budget for next year and the biggest increases I can see is for Household internet/cable/phone combo, taxes and food. Household internet/cable/phone combo has gone up by 4.4% per year over the past 3 years and my food budget has gone up 7.3% per year over the past 3 years. I expect my taxes to go up around 4.2%. This is because I have to take more and more out of my RRSP/RRIF accounts.

The TSX went down by 11.77% in 2015 from 14744.70 at the end of 2014 to 13009.95 at the end of 2015. My portfolio when down by 5.76% this is including the money I took out. My actual portfolio fell 8.53% as I took out 2.76%.

Over the past 5 years my portfolio is up by 35.09% or 6.20% per year. This is looking at the total value of the portfolio in 2010 and 2015 so does not include the money I took out. If you include what I took out my portfolio has total return of 9.43% per year over the past 5 years. Over the past 5 years the TSX is down by 0.65% per year (13443.22 at the end 2010 and 13009.95at the end of 2015).

Over the past 10 years my portfolio is up by 63.44% or 5.03% per year. If you include the money I took out, my total return would be 8.05% per year. Over the past 10 years the TSX is up by 1.44 % per year (11272.26at the end 2005 and 13009.95at the end of 2015).

For those interested in S&P 500 statistics, this index was down just 0.73% over the past year. Over the past 5 years, the S&P 500 is up by 10.20% per year. Over the past 10 years, the S&P 500 is up by 5.05% per year.

Well, I do not think I have done badly.

On my other blog I wrote yesterday about Calian Technologies Ltd. (TSX-CTY, OTC-CLNFF)... learn more. Tomorrow, I will write about Bank of Montreal (TSX-BMO, NYSE-BMO) ... learn more.

This blog is meant for educational purposes only, and is not to provide investment advice. Before making any investment decision, you should always do your own research or consult an investment professional. I do research for my own edification and I am willing to share. I write what I think and I may or may not be correct.

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  1. Hi Susan,

    Thank you for this summary specifically and all of your postings in general. I am facing an end to employment within the next year or so. It is reassuring to follow your blogs and see that you have been able to accomplish what I hope to do.