During 2023 I completed my salary continuounce and the complete detachment of the company I spent almost 30 years with. This included the transfer of my non-reg RRSP and commuted pension. All assets were transferred to my broker as a began to build a CC dominated portfolio for my future retirement. I continued to add to this portfolio TFSA and RRSP until the end of 2024 before converting to LIF / RRIF to start 2025. During the past 3 years including all withdrawals, My portfolio has a total return of 84.42% or a CAGR of 22.63% I hold a cash wedge of over $100,000 in $HISA secured to my LIF / RRIF accounts for future downturns as a buffer to ensure my mandatory withdrawals are secure or purchase assets at a discount. This may sound like a lot but it’s 5% of a 2M portfolio. I continue to purchase assets $ZWT$UTIL$HEQL and $IDVO at a lower div rate to maintain a 19K a month dividend yield which is more than twice my income needs. My current YTD performance is over 19% or $326,000. I spent 30+ years holding mutual funds, single stocks and low dividend paying ETFs but over the past 3 yrs my portfolio has a total return of over $945,000. When people think that your investment strategy is not optimized to be successful in the future. You do what works for you and ignore the noise! Your investments don’t stop when you retire, it’s just another part of your investment journey! Happy 3 yr portfolio anniversary!!!
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21 Comments
Bert @simple_acre_homestead · 22d
Rabid Money Badger @riggs · 21d
Keep going Money Bunny! Inspiration to many and a wealth of knowledge
Christopher J@cjs033 · 21d
Well isn’t that just the bees knees! They’ll write books about you M8? 😆😉🤩🙏🏻
Gus Hk@bond747 · 22d
Happy anniversary Heath! To a more great success! Thank you for sharing your journey with us. There's so many ways to achieve Fire and I believe none of them is optimum it just comes down to what makes you sleep better at night.
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