As of January 9, 2017
The following shows you the details of my investment portfolio, and provides some context around investment decisions I’ve made (whether or not they’re bad or good). My assets come in a variety of ways, including index fund investments, home equity, a work pension, and old fashioned savings accounts.
- TD e-Series: an analysis of my returns from 2017 and 2018
- See my latest portfolio update for in-depth analysis of how my assets did in the previous month.
TFSA Index Funds
I use TD e-Series Funds to purchase and manage my index fund investments. I use the following breakdown target portfolio:
| Fund | Target Percentage |
|---|---|
| TD Canadian Bond Index Fund – e (TDB909) | 31% |
| TD Canadian Index Fund – e (TDB900) | 23% |
| TD U.S. Index Fund – e (TDB902) | 23% |
| TD International Index Fund – e (TDB911) | 23% |
RRSP Mutual Funds
I currently keep a small portion of savings in an Actively Managed TD Mutual Fund – the TD Comfort Balanced Portfolio – this is something that I need to change, but haven’t gotten around to..
TFSA High Interest Savings Account
I use a TFSA High Interest Savings Account to hold my short term savings. This includes money stored away for emergencies, and money that might be spent in the next year or so (saving for education).
Chequing Account
I keep the minimum balance required in my chequing account to waive my monthly bank fees. Learn more about the return on investment for keeping a minimum balance to waive bank fees.
Home Equity
I purchased a 1 bedroom condo as my primary residence in April 2012, and have been building home equity ever since. When calculating equity, I assume that the current value of the condo is the same as when I purchased it (which probably isn’t true).
Pension
I have worked with my employer since 2009, and have been able to build a nice pension package since then. Both my employer and I contribute to the pension, and my employer invests it as they see fit.
Car Value
I never purchased my vehicle looking at it as an investment, and it definitely has lost much of it’s value. But that doesn’t mean that it doesn’t hold value as an asset. I use the Canadian Black Book to estimate my vehicles worth.