Thursday, 2 July 2015

JUNE 2015 Dividends


 I received $1239.98 in dividends in June.

$763 of that was in my taxable account and the rest in my registered accounts.  $763 is taxable income and subject to favorable taxation. Better to be taxed on dividend income then regular income.

The long-term plan is to use the income generated in the taxable account to pay for my living expenses. One day it will pay for my bills and allow me to work less. For now, I’m simply reinvesting that money and allowing the compounding effect to take place.
           
In 2015 I have received a total of $6862.24 in dividends in my registered and non-registered accounts.

At this rate, I could end up with over $14,000 in 2015.


Going-Forward yearly dividend income:

If I were to stop buying stocks today, the income I would receive on a yearly basis is: $15,114.92 (or $1259.57 per month).


Financial Independence Fund:

The total value of my Financial Independence Fund at the end of June was: $329,583

This is a month-to-month decrease from $329,583 compared to last month to $333,236. Despite adding $3500 in new cash and collecting $1200 in dividends, my portfolio still took a slight dent.  To be honest, I wouldn’t mind if it took another massive dent. I find the markets overvalued and would love to add more to existing stocks on a lower basis.

The markets took a hit with the news in Greece. I’m hoping the markets continue to slide in July because I’d love to average down on existing positions.



Purchases made in June:

The total amount of new purchases made this past month: $3534
I’m not taking into consideration the sale of Lorillard and purchases of Wal-Mart.


Regular taxable account: $3534

Coca-Cola (25 shares @ $40.91 per share = $1293 Canadian)
Canadian Utilities (35 shares @ $35.92 per share = $1262)
Procter & Gamble (10 shares @ $77.40 per share = $979 Canadian)

        
RRSP:


My 54 Lorillard shares were sold off for a total of $3822, not bad considering I paid half that amount a few years ago and collected dividends for a few years. I received 15 shares in Raynolds that I’ve decided to keep. The remainder I received $3344 in Canadian cash. I bought LO when the dollar was on parity and the dollar is now some 20% cheaper. 

         (15 shares of RAI = @ $72 per share for a total of $1095 US Dollars
(50 shares of Wal-Mart @ $73.05 per share for a total of $4528 Canadian)


JUNE 2015


NAME OF COMPANY
DIVIDEND


1. TAXABLE ACCOUNT



Fortis
$93.50
Canadian Utilities
$56.05
SNC Lavalin
$51.25
Suncor
$50.40
XPF etf
$40.04
Crescent Point Energy
$39.56
Power Corp
$37.35
Dream Office Reit
$37.33
Northland Power
$34.20
Sun Life Financial
$30.40
DirectCash Payments
$28.80
Enbridge
$25.58
Just Energy (3 DRIP)
$24.50
Baytex
$24.00
BTB Reit
$22.05
Brookfield Renewable Energy
$20.31
Liquor Stores
$17.55
Riocan Reit
$16.45
Thomson Reuters
$14.66
Exchange Income
$14.50
Enbridge Income Fund
$14.14
Canadian National Railway
$10.63
Intact Financial
$10.60
Pengrowth Energy (3 DRIP)
$10.24
Johnson & Johnson
$9.57
Pembina Pipeline
$8.85
Shaw Communications
$8.49
Student Transportation
$7.88
Chartwell Reit
$5.05



$763.93


2. TAX FREE SAVINGS ACCOUNT (TFSA)



Caribbean Utilities
$34.47
Brookfield Infrastructure
$26.59
Cominar Reit
$20.21
Bank of America
$19.43
Artis Reit
$18.45
Dream Office Reit
$17.73
NorthWest Healthcare Reit
$15.93
Dream Global Reit
$15.33
Crombie Reit
$12.83
Pure Industrial Reit
$10.95
H&R Reit
$9.90
RioCan Reit
$9.17
Extendicare Reit
$7.96
Cap Reit
$6.61
Skylon Trust
$5.83
Innvest Reit
$5.66
Killam Properties Reit
$5.00
Calloway Reit
$4.00



$246.05


3. REGISTERED RETIREMENT SAVINGS ACCOUNT (RRSP)



Raynolds American
$54.00
Lorillard
$35.64
Digital Realty
$28.90
Realty Income
$21.79
McDonald’s
$17.85
Southern Company
$16.28
Waste Management
$12.32
Walgreen
$11.48
Exxon Mobil
$10.22
Dream Ind Reit
$8.75
Northern Properties Reit
$7.60
Emerson Electric
$5.17



$230.00




TOTAL
$1239.98


Tuesday, 2 June 2015

May 2015 dividends



May 2015 Dividends

I received $993.62 in dividends in May. Only about $6-$7 shy of the thousand mark.

This month is usually my weaker months of the quarter and to say that my weakest month is on par to nearly $1,000 per month is quite an achievement.

$722 of that was in my taxable account and the rest in my registered accounts. Not to bad. I’ll have to pay taxes on $722 but the tax rate is mostly dividend income and is taxed at a favorable rate, better than earning income working some job that I dislike.
           
In 2015 I have received a total of $5622.26 in dividends in my registered and non-registered accounts.

What a phenomenal year and it will only get stronger.


Going-Forward yearly dividend income:

If I were to stop buying stocks today, the income I would receive on a yearly basis is: $15,015.91 (or $1251.32 per month).


Financial Independence Fund:

The total value of my Financial Independence Fund at the end of May was: $333,236

This is a month-to-month increase from $333,236 compared to last month's $327,335


Purchases made in May:



May was a busy month. The TFSA limit was increased to $10,000 (I still won't vote conservative) so I made sure to add money in my TFSA. I've also contributed to the RRSP. Going forward, I'm going to reduce my REIT exposure but keeping REITs as they are but contributing more so to blue chip dividend growers, like CNR and Canadian financials. 

The total amount of new purchases made this past month: $9244

Regular taxable account:

Canadian Utilities                            (45 shares @ $37.07 = $1673) 
Canadian National Railway          (20 shares @$73.55 = $1476)

TFSA:

Caribean Utilities                   (100 shares @ $10.88 = $1342 Canadian)
Killam Reit                            (100 shares @ $10.75 = $1080)
Valener                            (59 shares @ $16.64 = $987)

RRSP:

Omega HealthCare Reit          (60 shares @ $36.31 = $2686 Canadian)


MAY 2015


NAME OF COMPANY
DIVIDEND


NON-REGISTERED ACCOUNT



Emera
$121.20
Potash Corp                         (3 DRIP)
$119.52
Royal Bank
$63.14
Power Financial
$55.88
Ishares XPF ETF
$40.04
Crescent Point Energy
$39.56
Dream Office Reit
$37.33
Northland Power
$34.20
DirectCash Payments
$28.80
Baytex Energy
$24.00
BTB Reit                              
$22.05
Liquor Stores
$17.55
RioCan Reit
$16.45
National Bank
$15.00
Exchange Income
$14.50
Enbridge Income Fund
$14.14
Bank of Montreal
$12.00
Pengrowth Energy                (2 DRIP)               
$10.20
Shaw Communications         
$8.49
Pembina Pipelines                
$8.41
Student Transportation         
$7.88
Procter & Gamble
$7.33
Chartwells Reit
$5.05


Sub-total:
$722.72


TFSA ACCOUNT



Cominar Reit
$20.21
Artis Reit
$18.45
Dream Office Reit
$17.73
Northwest Healthcare Properties Reit
$15.93
Dream Global Reit
$15.33
Pure Industrial Reit 
$10.95
H&R Reit
$9.90
RioCan Reit
$9.17
Extendicare Reit
$7.96
Cap Reit
$6.39
Skylon Growth & Income     
$5.83
Innvest Reit
$5.66
Crombie Reit
$5.41
Calloway Reit
$4.00


Sub-total
$152.92


RRSP ACCOUNT



AT&T
$37.60
Kinder Morgan
$27.84
Realty Income
$21.79
Deere
$14.40
Dream Industrial Reit
$8.75
Northern Properties Reit                  
$7.60


Sub-total
$117.98


TOTAL DIVIDENDS IN MAY 2015
$993.62