Interest rates on the rise… or not!

In opposite direction to interest rates, fixed income investments have been going down in price.  In my portfolio, my fixed income allocation is filled with preferred shares.  During November, the decrease in price has been noticeable.  So much so that my Allocation of funds indicated that it was time to sell off some common shares to move over to fixed income and buy additional preferred shares.

Also typically moving in opposite direction to increasing interest rates are another result of changing interest rates is the changing price of interest sensitive stocks such as Real estate (REIT) and Utilities.  These two sector’s impressive growth in November seems to indicate that the markets believe interest rate increases are over.  Nonetheless, my stock allocation indicated that these two sectors were overweight.  Therefore, I did some “pruning” by selling some shares.  Interesting note, stocks in these two sectors were having a bad 2018.


In November, three sectors spiked up in price.  Therefore, I sold some of the following stocks :

  • American State Water (AWR-N) – Utilities
  • RIO CAN (REI.UN-TO) – Real estate
  • Johnson & Johnson (JNJ-N) – Health

With the sale proceeds and the monthly dividends I added to these not so popular stocks :

  • AFLAC (AFL-N) – Finance
  • Canadian Western Bank (CWB-T) – Finance
  • Dollarama (DOL-T) – Basic consumption
  • Helmerich & Payne (HP-N) – Energy
  • Oracle (ORCL-Q) – Technology
  • Tecsys (TCS-T) – Technology

Please note that these stocks are not recommendations.  Stock picking is very personal.  So please have fun selecting your own “businesses”.

Until next month,

Sale, sale, sale!

Wow… October brings a great stock exchange sale.

When is the best time to buy shares?  When you have cash in your long term savings plan.

Which stock should I buy?  Base your decision using an objective decision tool like the 2019 stock allocation.

I have already completed my October stock shopping.  I will be back at it again in November.  I hope the sale lasts for a while and even gets better.

Happy shopping!

Until next month,

S&P 500 index capital allocation modifications to three sectors

Last week, the S&P 500 index managers decided to move several stocks from both the technology and the discretionary consumption sectors to the newly renamed communication sector.  This change involves 24 stocks.  On this list, are big names like Alphabet, Facebook and Walt Disney.

All this to let you know that my 2018 stock allocation tool has been adjusted to reflect theses changes ahead of my normal year end update.  The bottom line, more money now goes into the communication sector and less money goes to the both the technology and discretionary consumption sectors.

Therefore, to help you and I make investing decisions; I’ve uploaded and posted my Stock allocation tool for 2019.

—————————————————————————————————————————————–With the changes taking place in the stock allocation tool, I now have my eyes on buying shares of Walt Disney in the communication sector.  Its dividend increases regularly, and more importantly to me, I really enjoy its movies and would be proud to be associated with the name.

By the way, my other communication stock holding are AT&T (T-N) and Telus (T-T).


During the month of September I sold some shares of Pepsi (PEP-N).  The basic consumption sector in my portfolio and more precisely this stock was getting too high in value.  With these funds added to the dividends I received, I added to my shareholdings of Novo Nordisk (NVO-N) in the health sector and Trans Continental (TCL.A-T) in the discretionary consumption sector.

Until next month,

Tech and healthcare stocks are hot!

Over the month of July, my tech and healthcare stocks increased in price.  So much so that my stock allocation was telling me that my portfolio’s share of these two sectors was above their targets.  Therefore, I sold some shares of Microsoft (MSFT-Q), Tecsys (TCS-T) and Novo Nordisk (NVO-N).

I ploughed the proceeds into sectors that were below my portfolio’s targets.  Therefore, I added to the following sectors that were below my sector targets:

– Magna (MG-T) Industrial

– AT&T (T-N) Telecom

– Allied Properties (AP.UN-T) REIT

– Helmerich & Payne (HP-N) Energy

– Mcdonalds (MCD-N) Consumer discretionary

– Nutrien (NTR-T) Material

– TD Bank (TD-T) Finance

With the PCC model portfolio I use, it is easy to sell high and buy low!

Note that these stocks are not recommendations.  They are stocks that I have held for many years.

Please select stocks that meet your criteria.  You are welcomed to use my asset allocation and stock allocation tables to build your portfolio.


Note that I’ve added a button to allow donations to pay for my blog’s expenses and my time.

Until next time,