My Investing Journey


When I started learning how to invest, I haven’t read any books and internet was my only resource.

Equally important, I visit personal finance websites and joined their forums and actively posting questions and taught myself along the way.

Notably, Couch Potato strategy was the model that was easiest to understand that I have adopted at first. I am not a fan of mutual funds due to the fees involved in maintaining the account and how much commission goes to fund advisors.


Here’s the chronological order in my investing journey!


FIRST: Tangerine Investment Funds

I have been a client of Tangerine which was formerly known as ING Direct since our time living in Europe.

It is an online bank with zero fees on their checking accounts and minimal fees on their investment funds.

The Tangerine Investment Funds  offer an index portfolio with five choices ranging from the conservative Balance Income Portfolio to Equity Growth Portfolio.

Management Expense Ratio (MER) is about 1.07% and have five funds to choose from.

I went for the Balance Growth Portfolio with the following asset allocation:

Canadian Bonds       = 25%

Canadian Stocks       = 25%

US Stocks                 = 25%

International Stocks = 25%


SECOND: TD E-series Funds

Upon learning more from the investment forums, I then set up Registered Education Savings Plan (RESP) for my kids. RESP is an investment vehicle available to parents’ in Canada to save for their children’s post-secondary education.

The TD E – Series Funds allow you to customize your portfolio with several asset mix.

This is also mainly an online investment account and you just have to set-up the account first by visiting any branches of TD Bank.

Once it’s set up, you just need to contribute regularly and it’s best in my opinion to contribute at the beginning of the year the maximum of $2,500 if you have the funds, as the government will contribute $500 per year. (You can’t bet that as that is 20% return on your investment!)

Lifetime maximum government contribution is $7,200 and lifetime maximum contribution each child of $50,000.

For my kids RESP I invested TD Canadian Index – e. It has a low Management Expense Ratio (MER) of 0.33%.


THIRD: Dividend Growth Stocks

Learning from the two above index funds, I understand that fees are very important. Minimizing fees to a bare minimum is the goal to a much better returns on your investment portfolio.

After learning about index funds, I finally evolved myself and learned about investing in individual common stocks.

The mentor I have met on one of the investment forums has been very diligent and patient in teaching the basics and the fundamentals of common stock investing.

I continue to educate myself and read books on investing and personal finance.

I’ve opened an account with one of the online brokerages Virtual Brokers which still has one of the cheapest commission fees per trade.

This account was opened 6 years ago and I am fortunate as clients who have the account still benefited the penny per share commission which is no longer available to new customers.

Dividend growth stocks is my focus and I am for long term investing. Some of my holdings pay dividend on a monthly and quarterly basis. My dividend portfolio has an annualized return of 7-8%.


FOURTH: Exchange Traded Funds (ETFs)

For diversification, I have allotted small portion of my portfolio in Exchange Traded Funds (ETFs). It holds assets such as stocks, bonds or commodities and most ETFs track an index.

An ETF is an investment fund that traded on stock exchanges. There also lots of ETFs in the market and you can choose from that fits your age and your long-term goals.

I am adding ETFs to my portfolio that has very low fees and better returns.




In my humble opinion, I prefer investing in stock market as it is very liquid and you can sell investments easily unlike real estate rental properties.

Ultimately, Our goal is to live off from dividend income without harvesting its capital. Thus, It’s a long shot having learned the concepts of investing late in life, but I am willing to give it a go. Moreover, I no longer hold investments with Tangerine and TD e- series funds.

From the couch potato strategy which I have started, I have evolved and focused on dividend growth investing.

It wasn’t easy and made lots of mistakes along the way, but I was persistent and a very eager learner.  As a result, I am more focused on achieving better results of my investments.

In a word, the pursuit of knowledge is indeed powerful and practice makes it perfect.


What type of investments do you have in your portfolio?
Which particular investment that has given you a better return? Let me know in the section below.
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3 years ago

Hi Rommel. I also used to have TD e-series then moved all the funds to ETF index funds on Questrade with low asset allocation to bonds since I have long time horizon to invest in stocks. I also have REIT and weed stocks. In the future I’m looking forward to have asset in social responsible investing that focuses on renewable energy and sustainability. It’s interesting to know what will be your future investing venture.

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