It’s that time of the month again! Let’s take a look at my April 2017 investment portfolio growth, and see how all of my assets did in the last 30 days. After a few months of changing banks, and moving money around to new accounts to make it more efficient, things have started to stabalize. I also saw my biggest single day growth in my TD e-Series portfolios!
Overall Assets
TFSA TD e-Series Index Funds
April saw a fairly big jump in my TD e-Series Index Funds portfolio. The US and International equity fund made the biggest jumps and I saw an overall return of $420 for April 2017. I didn’t get a chance to buy as many more additional shares as I would have liked to this month due to some home expenses (my washer and dryer had to be replaced). With the $200 more that i did invest, I added additional shares to the US and International funds as they were lagging behind in value a little bit. I’m always trying to stay within my 23%/23%/23%/31% portfolio ratio.
April 23rd saw my biggest single day jump in portfolio return since I started investing – rising $155 in 1 day! Now 1 day doesn’t really mean anything when it comes to long-term investing, but I still like to take my wins when i see them.
RRSP Mutual Fund
With putting all of my focus on growing my short-term savings and my TFSA investment portfolio, I’ve held back on adding any money to my RRSP investments. My RRSP is small at this point, so I’ve taken an incredibly aggressive approach, leaving out any Bonds entirely. So far it has paid off, but we’ll see what it does in the long term. You’ll notice from the ‘Total Gain’ graph below that it follows a pretty similar trend as my TFSA investment portfolio.
High Interest TFSA
I’ve been able to keep adding a good amount of money to this account. The reason I’ve put so much focus on this short-term, low growth account as it acts as my emergency fund, as well as an educational savings fund that I’ll need to access in the next year or so.
The interest rate still isn’t great, at 0.8%, and I may look to move it to an Alterna Savings account soon. The problem with that is that it will cost me money to transfer between the TFSA accounts I have with each banking institution (Tangerine and AlternaBank) which would negate the additional savings.
Chequing account
I no longer keep any savings in my chequing account since I’ve moved my finances from TD to Tangerine. I’ll remove this section from next month’s finance update.
Home Value
Equity in my home continues to rise a little bit every month. The estimated equity value below makes a few assumptions:
- The value of my property has remained the same (unlikely)
- Does not include fees and costs associated with selling
Car value
My car dropped in value this month based on average selling prices based on Canadian Black Book‘s value estimate. I don’t see my car as an investment, but since it has value as an asset, I include it.
Pension
My pension updates come every March, and were included in last month’s portfolio update.