Portfolio Update February 2026

Second month down and the first month I have been back to work. It has been more challenging for sure to stay focussed between balancing a newborn, watching the wild swings in the market and dialing in for work. Perhaps I should be ignoring the wild swings and remove my single stocks like the majority of my friends. In actuality I picked up another single stock and exited one ETF 😅.

Major Indices VS My RRSP

The indices across the board are all slightly down since the beginning of the month… oh wait a moment look at us go up here north of the border with the TSX60 up 5.5%. I’m feeling like a broken record here but really how long can we keep this up? Was last month just a bump in the road?

Ticker	Index	2026-02-01	2026-02-27	Percentage Gain
.INX	S&P 500	6976.44	6878.88	-1.40%
.IXIC	Nasdaq 100	23592.11	22668.21	-3.92%
.DJI	Dow Jones	49407.66	48977.92	-0.87%
TX60	TSX 60	1869.95	1971.95	5.45%

Ticker	RRSP ETFs	2026-01-01	2026-02-27	Percentage Gain
VDY	FTSE Index CAD	63.6	67.08	5.47%
XAW	Many Indexes	52.86	53.23	0.70%
SCHD	Subset of Dow	30	31.77	5.90%
VTI	Total US	342.48	338.77	-1.08%

My Moves

As I eluded to earlier this turned into a bit of a busy month trading wise for me. Part of me wants to hold back some cash in case we experience a big dip but not too much as I still believe in DCA, always be invested because time in the market beats timing the market.

TFSA Buys & Sells

• Started off with BUYs in:
  • HHIS, META and added a bit to CASH
  • I also rounded out my positions in GOOG and AMD with small buys
• Finally decided to exit HYLD for a small ~2% gain on stock price although I have years of dividends on top of that:
  • BUY CASH with the majority until I decided what to do with it
  • BUY equalish portions of HHIS, HXQ, GOOG, META
    • okay maybe now I have actually rounded out my position in GOOG 😅
• SOLD some CASH for CRM
  • I’m planning on buying more CRM and perhaps even some NOW the thought there is that they are oversold and undervalued basically out of fear like what happened last year with AMD and GOOG which turned out to be fantastic BUYs from me yesterday. I’ll do it in batches like last year
• Finished off with a small BUY of HHIS the day before the ex-dividend date

So the wildest thing this month for me was the sale of HYLD which is something I’ve debated for awhile. Lately I’ve been thinking about moving away from the majority of my covered calls. Doing something like:

• HDIV -> VDY
• QQCL -> HXQ

This would leave me with HHIS and BANK only for covered calls which I’m good with. My prediction for the next few months is either flat or decrease overall which is supposed to be ideal for CC ETFs. If we get a big decrease I will likely switch out at that point so I can hopefully capture all of the upside coming out of it.

TFSA Breakdown

RRSP Buys

Honestly we couldn’t decide what to buy in the spousal RRSP, BANK has been killing it and is by far the best performer since we opened the spousal almost one year ago so we bought some of all 3. My RRSP didn’t see any action this month other than a nice fractional VDY DRIP

• BUY
  • VFV 2:4
  • QQCL 1:4
  • BANK 1:4

MY RRSP Breakdown

• percentages are calculated based on current market value, USD is converted to CAD based on google finance rate

Spousal RRSP Breakdown

Dividend Increases and Decreases

• VDY First month since September with a distribution in the $0.20 range 🤞
• CASH 0.097 -> 0.071 Tough to see this at 1.7% given my HISA is 2.25%
  • PSA is doing better at 2.1% currently (my wife has some joint money in that ETF in her TFSA)
  • may have to slowly transition out of CASH throughout the year as I earn money to replace it with in the HISA. My goal is to not take any withdrawals out of my TFSA moving forward.

Fear and Greed Index

A bit of a change up from last month as we have dipped from the bottom of greed through neutral and landed just in the fear territory. Definitely some uncertainty now with the SAAS-mageddon we have going on paired with all of the hyper-scalers devoting basically their entire cash flow to capital expenditure on chips this year. I’m talking Google, Amazon and Meta although there are likely others in the same position.

Wrap Up

February turned out to be just as wild as January for us this year. Globally there was more military action from the USA as well so we’ll have to see what affect that has on the market’s tomorrow. Good news is that we have some cash and CASH to deploy still. Just before I sign off I have to mention it is now tax season and I believe I finally have all of my forms to file our taxes. Translation should have even more funds to deploy in a week or so. Speaking of which I better get at it. That’s all for this week, take care!

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Cheers ☕