Baby R2R’s Portfolio Update – Q4 2017

This is the second update in a new series where I intend to 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 benefit for 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? ūüôā

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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Annual Update – 2017 Review

Welcome to the annual 2017 update. This is part of  a series where I track our financial progress on a regular basis. I present three parts in this series: (i) Investment & Portfolio Update, (ii) Passive Income Update, and (iii) Goals Update.

1. Investment & Portfolio Update

2017 was quite an interesting year. The broad equity markets performed very well with S&P 500 returning ~19%. Regular readers of this blog may be aware that I have been following a multipronged approach to investing lately — with a focus on diversification and following multiple strategies for different portfolios. I focus on active stock investing in both dividend growth companies and growth-focused companies, while my wife’s and daughter’s portfolios use index funds.

The companies from our portfolios increasing their dividends and details of portfolio changes are summarized below.

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Passive Income Update – Dec 2017

Welcome to our monthly passive income update for December 2017. 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 December 2017 was CAD$1,515.41, a new all time high thanks to an annual payout from one of the funds ūüôā¬†The passive income for the month comprised of US$406.83 and CAD$1,002.80 (exchange rate is US$1 = CAD$1.26).

Passive income change is +110.4% QoQ and +6.01% YoY for the month. The passive income for 2017 adds up to $9,697.25 and achieves ~97% of our annual goal of earning $10K. Even though I came up ~$300 short on the goal, I still consider this a pretty good achievement for the year.

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Results: 2017 Top Investment Picks

As we ring out the year 2017, its time to look back and evaluate some of our investment picks/decisions. At the end of 2016, I reached out to the investing community and asked them to pick one investment security as their top pick for the year 2017. Plenty of folks responded and I was happy to compile the list and track them over the year.  The original post & quarterly updates can be found here. It is always interesting to see what everyone was thinking a year ago and how the picks played out over the year.

Again, I would like to remind readers that this was meant to simply be a fun exercise and should not be considered investment advise. Please do your own research before investing in any securities.

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Passive Income Update – Nov 2017

Welcome to our monthly passive income update for November 2017. 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 November 2017 was CAD$970.80. The passive income for the month comprised of US$557.76 and CAD$251.29 (exchange rate is US$1 = CAD$1.29).

Passive income change is +18.22% QoQ and +81.46% YoY for the month. The passive income YTD is $8,181.85 and achieves 81.8% of our annual goal of earning $10K.

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