Q2 2025 Review
Reviewing the portfolio and checking in on my goals
10 Goal Check-in
For a full description please refer back to my Looking Forward to 2025 Post
- Maintain investing savings rate of 33% ✅
- My contributions divided by my gross pay is currently 33.85%. This is obviously propped up by Tax Returns
- Open spousal RRSP ✅
- 🎉this is big for us as it makes sense mathematically and even more importantly makes my partner happy!
- 50 blog posts. 📈
- tracking really well as I haven’t missed one yet 😄
- 25 long form videos on YouTube. Or essentially 2 a month. 📈
- 14/25 Videos have continued to slow down but I should be able to hit the target. I definitely have less passion for recording
- 50 short videos ❌
- I still have not made a single short video this year
- Negotiate our bundled home and car insurance. ✅
- Negotiated with our current broker upped the deductible slightly as well, unfortunately rates are way higher for everyone this year.
- Negotiate our mortgage renewal. ✅
- Signed on for a 5 year fixed interest rate got a match and a beat with our current broker and am very happy with that
- 150 30 minute workouts. 📈
- 61 recorded sessions some of which were shorter walking sessions. I recently signed up for a 1 year subscription of the BetterMe app and am looking forward to being motivated through there
- Improve on the blog. ❌
- Still nothing here, unlikely to happen until August or maybe the fall
- Introduce quarterly check-in posts with videos seeing how closely I am tracking my goals set for the year. 📈
- Second checkin complete
Stats
| Symbol | Count | Description |
|---|---|---|
| ❌ | 2 | Little to no progress |
| 📈 | 4 | Making solid progress |
| ✅ | 4 | Complete |
Portfolio Performance Review
Note I noticed that I missed a deposit when calculating my portfolio returns in Q1 so I ended up being slightly worse than the S&P 500.
Halfway through the year we are looking more solid than the Q1 mark
- Value wise my portfolio is currently up 14.12% YTD
- Removing deposits over Q2 it is up 11.36% YTD
- By comparison:
- Nasdaq is up 8.62%
- S&P is up 6.67%
- TSX is up 7.64%
One big callout is that a significant portion of my portfolio is in USD and for these quarterly performance calculations I like to convert the USD to CAD. For the day to day or week to week I usually leave the conversion out for simplicity.
- At the start of the year my recorded conversion rate was 1.4407 and today for end of Q2 it is 1.3686
Full Year
| Category | Q1 | Q2 | Q3 | Q4 |
|---|---|---|---|---|
| Portfolio With Deposits | -1.69% | 14.12% | - | - |
| Portfolio without Deposits | -10.43% | 11.36% | - | - |
| Nasdaq | -13.26% | 8.62% | - | - |
| S&P 500 | -8.61% | 6.67% | - | - |
| TSX 60 | -4.96% | 7.64% | - | - |
Wrap Up
Goal wise I have made some incredible progress and am not worried at all about hitting all 10 by the end of the year.
Portfolio wise I am doing better than the S&P 500 which is my main goal. Some of my moonshot bets have definitely paid off and I do have a lot of exposure to Canadian equities which have outperformed the S&P 500 as well. I am very curious to see if I will still be ahead come Q3 and maybe just maybe by years end.
Thanks for stopping by
You can support me by:
- Subscribing to my YouTube Channel
- Using my WealthSimple referral link
- Simply continuing to read my weekly posts here.
Cheers ☕