Throughout the year I usually try in each account to DCA on funds that are close to or below my cost of average or increase a funds weight within that account. Around this time every year I review my portfolio to see what adjustments would need to focus on for the next. My first action is that I am planning to do is consolidate $BKCL into $BANK and $EMAX into $ENCL in my non-reg. The screenshot I intentionally left out BKCL and EMAX and what the consolidation would look like. I uploaded 5 screenshots; non-reg, TFSA, RSP-CAD, RSP-USD, and overall sector weight portfolio. I have cash sitting in my non-reg that has been allocated to certain funds. I have broke down the allocation to make a transaction before those funds fund's ex-date to DCA. Might shuffle that around after this. I have no plans of adding new funds for 2027. My current strategy; - Living off my non-reg distribution and working on increasing it. - 100% re-invest TFSA. Started angel investing, using my HELOC. The amount I have in my TFSA can eliminate the HELOC loan if the investment goes side ways. - Re-investing 25% in each RSP account (CAD and USD ) distribution, withdrawing 75% by transferring to my RIF, Norbert Gambit USDCAD... In 2026 the RSP withdraw was focus on buying out my 4 yr old vehicle lease, saving for 2027 TFSA and annual mortgage lump sum allotment, solar panels for the house, a few trips this year. In 2027 my planning to invest what I do not spend from my non-reg and RSP withdraws into the existing non-reg funds. Save up for 2028 & 2029 annual mortgage lump sum - to be mortgage free again in 2029, save a little bit to the future vehicles, trips... My Holdings: Non-Reg: $BANK$UTES$QDAY$CANY$ENCL$SDAY$OILY$MSTE TFSA: $HYLD$USCL$CALL$TSLY$INTY RSP CAD: $HHIS$LLHE$NVHE$QQCL$USCL RSP USD: $RDTE$XDTE$QDTE$SPYI$QQQI$TOPW I found a portfolio analysis tool ( myfinancialfreedomtracker ) that can compare both Canadian and US funds. I have been reviewing my portfolio (account and overall) on underlying overlap holdings and sector breakdown. Note 1: Not my site Note 2: Data weight is based on number of shares and current market price
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8 Comments
Mike L
@noviceadvisor · 10d
Why would you remove exposure to US energy considering that some of the holdings in emax will be working in Venezuela
Matt H
@audi_specter · 9d
The holdings in your Non-Reg, do they count as "Eligible Dividends"?
John HODLing
@hodltillidrop · 10d
Are you worried about $BANK with the impending rate hikes?
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