10 Jan 2013 2 Comments
Portfolio Update – December 2012
The year ended off pretty well for my portfolio, even though the TSX only posted a 3% gain for 2012. Hopefully, the market will tank a bit once I get my TFSA contributions in so I can make some purchases. If only the market works like that, hey? 
So this is what my investment portfolio currently looks like:
TFSA – Stocks (CRS, SLF), ETFs (VTI, XSB, XBB)
RRSP – ETFs (XBB, XSP, XIN, VEU, VTI)
Non-registered investment account – ETFs (XIC, SLF)
My target allocation is:
Canadian equities: 30%
US equities: 25%
International equities: 25%
Canadian bonds: 20%
My current allocation is:
Canadian equities: 31%
US equities: 23%
International equities: 22%
Canadian bonds: 22%
Cash: 2%
Notes:
- My investment income is automatically set to reinvest in more shares, except for the Vanguard ones because RBC does not offer DRIP for them. Unfortunately, my iShares holdings pay their December dividends at the beginning of January, so they were not showing up on my final December 2012 statements; I will account for them in my next update.
- I am debating getting rid of my CRS and VTI that are sitting in my TFSA as the 15% withholding tax on the dividends suck! I plan to purchase additional VTI in either my RRSP (where the withholding tax is not applicable), or my non-registered investment account (where I can at least claim it back).
- I have talked to RBC to have my shares of SLF in my investment account moved over to my TFSA account to keep them all together.
- My overall portfolio returned 9.2% in 2012, and my dividends increased by 51% compared to 2011. If you are interested in calculated your own rate of return for your portfolio, you can use the calculator found here. Let me know if you have any questions about using the calculator!
How did your December end up? Did you make any moves in your own portfolio?
Thanks for reading!
Jan 10, 2013 @ 20:36:03
Hey Vicky,
You know I don’t do any investing on my own but we will be meeting with our advisor next week. We noticed our TFSA is crap… $5.xx and changed in dividends being reinvested… but in dec it was $137.00 in dividends. We changed the account because we were seeing the money going down… and not up.. and got frustrated so now it’s in a low risk. Never know what to do it’s all risk.
Jan 11, 2013 @ 10:09:50
Hm.. Do you know what you are invested in? Do you know what your annual return is? Those are questions you should be asking your advisor.
They should be able to tell you what your portfolio returned. And don’t accept the ‘well, your holding in so and so returned x%’ as this may or may not be YOUR actual return.