Portfolio Update July 2026

July is always the busiest month of the summer for us and it was no different this year. My parents visited us and we went to a Blue Jays game to kick off the month. Part way through we traveled back to my hometown for a week. This is always kicked off by a boys golf weekend and this year there were 20 of us playing in a Ryder Cup style tournament. While it was the same format as last year my team was crushed 15-10 (much different from last year).

Major Indices VS My RRSP

I might as well leave the same comment as last month all in all preety quiet with the Nasdaq giving a bit back, TSX gained a bit and the rest were relatively flat. VDY continues to keep on crushing!

Ticker	Index	2026-07-01	2026-07-31	Percentage Gain
.INX	S&P 500	7483.23	7489.72	0.09%
.IXIC	Nasdaq 100	26040.03	25373.85	-2.56%
.DJI	Dow Jones	52305.24	52485.03	0.34%
TX60	TSX 60	2055.66	2083.27	1.34%

Ticker	RRSP ETFs	2026-07-01	2026-07-31	Percentage Gain
VDY	FTSE Index CAD	75.63	78.46	4.94%
XAW	Many Indexes	58.51	57.82	1.12%
QQQM	Nasdaq 100	298.61	283.29	-0.93%
VTI	Total US	369.27	368.21	-0.90%

My Moves

As mentioned in previouss updates I have scaled back deploying new cash in my portfolios. The two exceptions are:

• RESP small contributions each month to maximize the grant ($500) requiring ($2500) contributions in the year.
• Work RRSP for both the match and pre-tax deductions.aside from my work RRSP, RESP and reinvesting dividends/

This is in prepartion for us purchasing a new primarty residence at some point in the near future. I will also be simplifying the portfolio and derisking a bit. The plan is to liquidate as little as possible but if the right deal comes along its better to be ready.

This month I liquidated another position for redistribution… any guesses?

TFSA Buys & Sells

• SOLD
  • HDIV The second last covered call etf in the portfolio. The last one is BANK but I have absolutely zero plans of liquidating BANK
    • FOR
      • 85% VDY
      • 15% HXQ
• BOUGHT
  • META
    • Just rounded out the position with zero plans of buying more in the future
  • CASH
    • Tossed the rest of the dividends in here

AMD and GOOG are still being actively monitored for more trimming or exiting, I have been holding both since end of February 2025. CRM, META and SHOP are holds until they go for another run as I believe SAAS should within the next year. CRM and META are new buys for me this year and SHOP I first bought in April of 2022 all the way down in 2023 and haven’t bought any since.

TFSA Breakdown

RRSP Buys & Sells

No manual BUYs were made this month for the first time since the start of this update series!

• However I did notice that my QQQM value was incorrect but that has now been fixed 🎉

• BOUGHT

  • N/A

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

• CASH 0.072 -> 0.10
• XEI 0.117 -> 0.114
• BANK 0.132 -> 0.152

Fear and Greed Index

The CNN Fear and Greed Index is hovering around 64 (well into a state of greed) in the broader stock market. The Crypto Fear and Greed Index is also doing better this month at 39!

Wrap Up

July was an incredible month filled with fun summer memories, family visits, and an exciting golf trip back home! While the broader markets remained relatively quiet, our portfolios continued to perform wonderfully with standout growth from VDY and some strategic portfolio housekeeping. We are thrilled to be positioning ourselves for an upcoming home purchase while keeping our financial momentum strong and steady!

You can support me by:

• Subscribing to my YouTube Channel
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• Simply continuing to read my weekly posts here.

Cheers ☕