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.
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