Tuesday, March 1, 2016

Portfolio and SPY

I was asked to share my portfolio and how it matched up with returns on SPY (which is SPDR S&P 500 ETF). In the table below I have shown in the To Date column my total return from December 31, 2015 to January 31, 2016. For the 5 year periods I am doing the calculations using XIRR in excel using data from December 31, 2010 and December 31.2015. For the 10 year periods I am doing the calculations using XIRR in excel using data from December 31, 2005 and December 31, 2015.

The first line includes the money I have withdrawn. I withdraw money every month from my portfolio as I am living off my portfolio. In my calculations I am assuming that all the withdrawals occur on June 30 of each year as I withdrawal a similar amount each month.

Period Covered To Date 5 Years 10 Years
Me - Including Withdrawals 0.81% 9.43% 8.05%
Me - Portfolio Only 0.46% 9.20% 8.03%
TSX -1.44% -0.65 1.44%
SPY -4.98% 10.14% 5.05%

I have some 51 stocks and 6 other items. I have a reserve fund in Tangerine. I do not have any medical or dental coverage and this is the reason I need a reserve fund. Also, I use it for large unexpected expenses. I have CIGs in my registered accounts as I have been taking money from these accounts. In these accounts I have cash or near cash and expected dividends that cover me for 5 years of withdrawals. All my investments are shown here.

Even though I have many investment items, there are some 20 stocks that make up some 77% of my total investments. These stocks are shown below.

No. Name TSX Symbol Mkt Symbol Sub-Index C
1 Toronto Dominion Bank TSX TD NYSE TD Bank F
2 Metro Inc. TSX MRU OTC MTRAF Cons Staple C
3 Bank of Montreal TSX BMO NYSE BMO Bank F
4 Canadian National Railway TSX CNR NYSE CNI Services I
5 Royal Bank TSX RY NYSE RY Bank F
6 Fortis Inc. TSX FTS OTC FRTSF Power U
7 TransCanada Corp TSX TRP NYSE TRP Infrastructure U
8 Power Financial Corp TSX PWF OTC POFNF Insurance F
10 Pembina Pipelines Corp TSX PPL NYSE PBA Infrastructure U
11 Enbridge Inc. TSX ENB NYSE ENB Infrastructure U
12 AltaGas Ltd. TSX ALA OTC ATGFF Infrastructure U
13 Sun Life Financial TSX SLF NYSE SLF Insurance F
14 Equitable GIC 1 GIC B
15 Canadian Tire Corporation TSX CTC.A OTC CDNAF Cons Dis C
16 Toromont Industries Ltd. TSX TIH OTC TMTNF Construction I
17 Manulife Financial Corp TSX MFC NYSE MFC Insurance F
18 DH Corporation TSX DH OTC DHIFF Financial Service F
19 SNC-Lavalin TSX SNC OTC SNCAF Construction I
20 Saputo Inc. TSX SAP OTC SAPIF Cons Staple C

On my other blog I wrote yesterday about Mullen Group Ltd. (TSX-MTL, OTC- MLLGF)... learn more. Tomorrow, I will write about Home Capital Group (TSX-HCG, OTC- HMCBF)... learn more on Wednesday, March 2, 2016 date.

Also, on my book blog I have put a review of the book World Order by Henry Kissinger. 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.

See my site for an index to these blog entries and for stocks followed. Follow me on Twitter.


  1. Many thanks for sharing about your stocks holding. I enjoy reading your blog very much. I am new to the Canadian stock market. It is so hard to time the market. I am waiting to buy some stocks that I will like to hold long term. However, prices have gone up. I guess one has to be very patient.


  2. Thanks for sharing Susan.

    I was very curious about your portfolio and top holdings. We share many of the same ones: CDN banks, pipelines, telcos, lifecos and utilities.

    Keep up the great work, very inspiring for me.


  3. Thank you very much for sharing this information. I'm new to investing (and your site) and am working to learn as much as I can. I was wondering what the final column "C" of your stock table is referring to? Thank you!

  4. C =Index code or type of stock. C=Consumer, E-Real Estate, F=Financial, I=Industrial, R=Resources, T=Techm U-Utilites.

    1. Thank you very much! Really looking forward to exploring the rest of your site.


  5. I'm trying to understand your 5 years of cash calculation. If your yearly withdrawal is 50,000 for example and your dividend income per year is 30,000, would you then want $100,000 in cash or near cash assets? ($20,000 × 5 years)

  6. dknk: Yes, that is waht I am saying. However, I only have this problem with my Registered Accounts. I am taking out less than my total income for spending.

    The thing is you do not want to be caught selling stocks when you are in a bear market. Bear markets seldom last beyond 3 years. So use 5 for safety, but you can cut it to 3 years.