Baby R2R’s Portfolio Update – Q1 2019

This post is part of the series where I share the progress of Baby R2R’s investment portfolio. I started documenting this in Q3 2017 and intend to provide quarterly updates.

Baby R2R was born in Spring 2016 and a few months later, I setup her education fund to which I contribute on a regular basis. We live in Canada, so we take advantage of the RESP program (Registered Education Savings Plan), an account type where we can save and invest for our child’s secondary education. In addition to tax advantages, we also receive an education grant, which matches upto 20% of the saved amount (upto a max of $500 per year). How can anyone say no to free money? 🙂

In addition to the education fund, we also decided to start a Nest Egg fund, where we save and invest for Baby R2R and let compounding do its job over the course next couple of decades. The two accounts take different approaches to investing strategy.

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Quarterly Update – Q1 2019

Welcome to the quarterly update for Q1 2019. This is part of  a series where I track our financial progress on a quarterly basis. I present three parts in this series: (i) Investment & Portfolio Update, (ii) Passive Income Update, and (iii) Goals Update.

1. Investment & Portfolio Update

Q1 2019 saw a some decent activity in our portfolio.   We added to the following positions.

Partially closed position & booked gains in

We continued adding to the following funds

Q1 saw 5 dividend increase announcements in our portfolios. The following calendar provides a quick overview of changes in our portfolio.

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Passive Income Update – Mar 2019

Welcome to our monthly passive income update for March 2019. This is part of the scorecard series where we track our dividends and other sources of passive income. We also include changes and updates related to our investments during the month – showing the overall progress.

Passive Income  Update

Passive income for the month of March 2019 was CAD$590.41, which comprised of US$141.02 and CAD$402.85 (exchange rate is US$1 = CAD$1.33).

The change for the month is -46.2% QoQ and -28.5% YoY for the month. This brings our passive income to $1,838.22 YTD and achieves 22.98% of our annual goal of earning $8K.

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Using Monte Carlo For Retirement Planning

The following is a 3rd party contribution

If you’re not sure you have the right retirement plan or worry about your financial future, there’s a way to check. Monte Carlo simulations, which test retirement planning results using a broad range of possible variables, will help you determine if you’ve planned well or you need to make changes.

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Outlook for April 2019

The stock market is on a tear lately with plenty of companies hitting all time highs, as central bank liquidity and FOMO from investors continue driving the increased stock demand. Valuations remain silly and have gotten even sillier over the past couple of months.

However, on central bank front, the Fed seems to be caving to the market pressure and signaling that the rate hike is done for this cycle. The bond yields continue to fall as the stock and bond market outlook continues to diverge.

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