hey everyone this is stefan from
projectlifemastery.com and today i'm
gonna share with you guys my stock
investment portfolio I'm gonna be very
transparent I'm gonna pull aside the
curtains and I'm actually gonna show you
guys I'm gonna log into my brokerage
accounts and actually show you my entire
stock investment portfolio I'm gonna
sure if the entire value of everything
what I own would I buy the dividends I
receive on a monthly basis and this my
overall approach mindset and strategy
when it comes to investing so that
hopefully you guys can benefit and learn
a lot from this I'm not doing this to
try to impress you or anything like that
but to hopefully educate you I know for
myself when I first started off as an
investor I wish that someone would share
behind the scenes of a multi-million
dollar stock investment portfolio I
think there's a lot you can learn from
that no I will mention that two years
ago I did a similar YouTube video than
this where I shared my 1 million dollar
stock investment portfolio that video
did really well get over 160,000 views
on YouTube and a lot of people have
asked me since then to share more of an
update and I do share my goals reports
my my net worth updates and my income
updates and things like that so I
thought it'd be useful to kind of share
with you guys where I'm at today with my
investments now also I will mention that
1 million dollars is Canadian dollars I
live in Canada my brokerage accounts are
Canadian brokerage accounts although I
do invest in the US markets as well and
I share with you guys that but anyways
since then over the last two years less
able to grow that to over three and a
half million dollars Canadian which at
the time of this and recording this of
May of 2018 is about 2.7 to 2.8 million
dollars u.s.
which is still a significant amount of
money now going from 1 million to 3 and
a half million is not from capital
appreciation or a gain so I want to make
that clear I wish that I could turn a
million to three and a half million in
two years that fast fortunate doesn't
work that way obviously I've been
earning more of my businesses I invest
more in two different stocks and I've
been building it up that way and I've
also been getting a great return from my
investments as well and I also earn a
get a dividend payments from my
investments on a monthly quarterly or at
or annual basis to
now a few things I want to mention for
you guys just to kind of explain my
overall approach in mindset before I
share few guys my brokerage accounts I
got it started investing when I was 18
years old I read the books the wealthy
barber by David Shelton the richest man
in Babylon all those kind of you know
classic investing books and it really
emphasized and taught me the importance
of paying myself first that no matter
how much money you're making
you always take 10% of that you put it
aside you save it and you invest it and
if you're just investing that over time
what happens is that compounds and when
you have time on your side over ten
years twenty thirty four years 50 years
a small amount of money can actually
turn into a significant amount of money
and so I've always kind of believed in
that and so my overall mindset is I'm a
long-term investor
I'm also very conservative I use my
businesses to online businesses that I
have primarily to generate cash flow
because business for me at least is the
easiest and fastest way to generate a
large amount of cash and then with that
I take that and then I invest it in a
more conservative investment vehicles
like stocks that can grow and compound
over a period of time I do have some
risky investments but for the most part
ninety percent of what I do is more
conservative okay now I don't just
invest in stocks I believe in being
diversified I also own a real estate
property that I've been renting out for
many years I own cryptocurrency I've
done loans I own different types of
investments like that too
so I believe that's important but the
majority of my wealth I invest it in
different stocks and everything and the
reason why I like stocks is you can get
a lot of diversity from that I think a
lot of people have a misconception where
they thinks all stocks are risky and
it's not true yes there are certain
stocks that are risky but there's also a
lot of blue chip companies on stocks
that you can own and have a piece of
that been around for for decades and
will continue to be around for decades
moving forward so I like to invest more
in blue chip stocks I like to invest in
bank stocks for example the Bank of
Montreal in Canada spit you know has
never missed a dividend payment in over
a hundred years and is most likely and
it's been through processions and
Russians and things like that it's going
to continue to be a very secure Bank and
everything - so I don't need to worry
about losing everything by owning a bank
stock typically I can also own index
funds where I can own a stock that's
diversified in a certain market so for
example I can own an S&P 500 index fund
where I own pieces of the top 500
companies in the United States on the SP
index so that's very diversified that's
gonna go up and down based on the
overall market it's not putting
everything into one stock where you know
you could lose all your money from that
I like owning real estate but I don't
like managing real estate so oftentimes
I prefer if I want to be involved in the
real estate market I can own stocks that
are known as reads real estate
investment trusts that can own real
estate and I don't have to manage it you
know I've got a rental property I've had
for many years and it's a lot of work
you know there's repairs there's issues
with tenants they move out you can lose
a lot of logistics with that that if you
have a property manager that's great but
when you own a REIT I can own commercial
real estate residential real estate and
a variety of different things in
different marketplaces and it's also
more liquid - I don't have to try to
sell the real estate property one day
it's just a lot easier to sell a stock
and so you can liquidate your assets a
lot easier that way - what it's the
beautiful thing about stocks is that you
don't have to be an entrepreneur you
don't have to run a business because
running a business is a lot of hard work
you know I don't have to build Amazon to
a multi-billion dollar one the biggest
businesses out there I don't have to do
that and I don't want to do that I you
know I'd much rather instead I don't
have to be Jeff Bezos I can invest in
Jeff Bezos and own shares of Amazon and
benefit from his expertise and his
brilliance and genius and I can benefit
from that I don't have to build Tesla I
can invest in Elon Musk and invest in
Tesla and and and benefit from that I
don't have to be Mark Zuckerberg I can
invest in Facebook and invest in Mark
Zuckerberg and benefit from that so it
really allows you to leverage yourself
in a lot of really amazing ways by
leveraging other people's expertise
knowledge and and things of that nature
and that's the beautiful thing about it
now
I should mention to my ultimate goal
when it comes to investing you've got to
always make sure you've got to know why
you're investing for me it's for income
my ultimate goal is I want to build my
stuff my investment portfolio to a
certain level where the income that that
provides for me the passive income that
that provides could then pay for and
support my entire lifestyle okay so the
way that I kind of look at it is like my
investment portfolio is the golden goose
that's laying the golden eggs and the
golden eggs are the income that I can
then use to support my lifestyle that
for me is the ultimate source of passive
income you can make passive income in a
business but it's hard to make long-term
passive income in a business because
with business you have to actively
manage it you've got to be involved in
all the decisions there's ups and downs
you've got to adapt a competition to the
marketplace all that sort of stuff and
you can maybe make passive income for a
while but oftentimes if you're not
actively managing or growing that then
that passive income slowly goes down
because the internet the world of
business changes so fast
if you don't adapt to it you're gonna
get left behind stocks on the other hand
I don't have to really manage that that
much especially with my approach of my
my philosophy of everything being a long
term okay I can set it and forget it I
can buy and just hold and benefit from
the dividends from that so for me that's
the truest form of passive income and
then usually given a dividend income at
least here in Canada you also get taxed
tax the best on eligible dividends so
there's certain tax benefits as well
there's a few other things I want to
share with you guys before I share my
screen and go through my different
accounts with you what I'm going to show
you guys is two different accounts two
primary brokerage accounts that I have
one is with RBC Direct Investing
okay another one is with Scotia I trade
now they're also one of the reasons why
I'm sharing with you guys is accounts is
because I'm actually transferring all my
stocks and assets to more of an
international brokerage account
I've yet to decide what that is yet so I
can be more transparent with you guys
because by the time this video is out
all my stocks are gonna be on a
different brokerage account because I'm
actually leaving Canada pretty soon and
becoming a non-resident and there's
actions I saw a whole different story
anyways I got to different accounts one
is for my holding company okay I've got
a holding company that holds a lot of my
assets and I invest out of and once a
personal account okay now the reason why
I have a holding company and why a lot
of wealthy people do this is because
primarily they earn a lot of their
wealth from their business and what they
do is they don't want you don't want to
invest out of your operating business
because when you have an operating
business like project life mastery I'm
dealing with a lot of customers that in
the event that any one were to sue me
they could then go after those assets
that would be within that company the
operating company so instead what you do
is you build a holding company now
holding company then owns your operating
company and then the money goes up to
the holding company with the holding
company that's what a lot of a lot of
the wealthy people do in order to invest
in on other businesses buy stocks real
estate all this sort of stuff there's no
liability with that or at least a lot
less liability and and that's typically
the way that they do it and the reason
why that they won't take that money from
their company and then pay themself and
invest is because oftentimes you'll get
double taxed so you get taxed on the
corporate level and then once you take
the money out to pay yourself you also
get taxed on the personal level too so
that's why a lot of business owners they
leave the money in a holding company and
they invest out of that and then they
own the holding company okay for me a
lot of that's changing because I'm I'm
moving to a new country and is there's a
lot of tax advantages and stuff as a
whole different video for hit different
times and I'll share with you guys but
that's I just want to explain that to
you why I have two different accounts I
will also mention two years ago when I
did that last video that was primarily
out of my operating company I didn't
have a holding company yet so since then
I've actually got two brokerage accounts
I've got one for sorry I actually have
three accounts I'm gonna show you guys
ones from an operating company which I
don't really invest in all I do is for
an exchange type stuff with that the
other one is my holding company the
other one's my personal company the
holding company is new probably
confusing you guys a lot apologize for
this but anyways that returns that
you're gonna see inside my account are
more recent returns they're not over all
the returns
had over the years that I've been
investing okay so I want to just kind of
make that clear too
even though I'm still getting good
returns at the time of this video the
markets been very volatile there's a bit
of a correction so earlier this year as
well with that being said guys I'm gonna
dive into this I'm gonna flip over my
screen I'm gonna show you guys login to
my accounts be very transparent with you
guys hopefully guys can benefit and
learn a lot from this and let's begin
okay so right now I'm at the RBC com
website RBC is Royal Bank of Canada now
which is one of the top banks in Canada
they have RBC Direct Investing which is
their brokerage accounts most banks have
brokerage accounts so if you want to set
up your own brokerage or trading account
to buy stocks talk to your local bank
you could also do research there's also
international brokerage accounts out
there as well I'm setting up an
international brokerage account because
I'm actually leaving Canada there's
restrictions on this account once I
leave Canada and also with RBC Direct
Investing you can only really buy in the
US and Canadian markets and I want to be
able to buy more international in Mexico
and Europe South America all over the
world so that's why I'm setting up more
of an international account and
transferring everything over today is
May 18th okay as you can see there's two
different accounts that I have here this
one is for my operating company I
primarily use it for foreign exchange
and maybe that's another video I'll do
at another point on how you can get the
best exchange rate when you're
transferring u.s. to Canadian dollars
and vice versa this is from a holding
company okay so this is the main account
that I'm going to show you guys and I'll
also show you my my personal account as
well the total value of in Canadian
dollars including the cash is about 3.4
million which ends up being about 2.6
2.6 million u.s. dollars based on this
exchange rate okay so let me show you
guys I'll show you guys my Canadian
holdings and also my US holdings as well
my whole approach is you know you want
to diversify on both but I benefit as a
Canadian right now I've benefitted
throughout the years on because I mainly
make US dollars in my business and
exchanging that to Canadian dollars so I
primarily have invest
in the Canadian markets a bit in the US
markets - only about 250,000 in the US
market but primarily Canadian because I
do I just know the Canadian market a lot
a lot better than the US market but I am
as I mentioned going more international
as well right now my trailing 12-month
return in this account is three point 15
percent which is honestly not really
that great the markets been volatile up
and down but it doesn't really reflect
the true return that have gotten from
investing over the years because as I
mentioned before I didn't have this
holding company this this holding
company counts two years ago and so I
was primarily investing before out of my
operating company but when I set up my
holding company I had to sell my stocks
and then rebuy them and transfer them to
this new account so I've gotten you know
over more than twelve months a much
greater return than this but as I
mentioned before I'm not really
investing for that one thing that a lot
of people don't fully understand I think
is whether your stocks go up or down it
doesn't really matter until you sell
okay it's not until you actually sell
that it really matters so I have certain
stocks I'll shoot I'll share overall
them up but I have a lot of stocks that
I'm down that have lost money thus far
but that's okay because when you have
that long-term approach and you've done
the research behind what you're buying
you're not that affected when it's down
because when it's down you just look at
that as a buying opportunity to buy the
those stocks at a discounted price
because you're in it for the long term
and you know that long term those stocks
aren't gonna correct and they're gonna
you're gonna end up getting a great
capital gain and appreciation but again
all that only matters is if you sell
what I prime primarily after my entire
not my entire but most of my approach is
after the dividends the income that my
stocks provide for me and all sure if
you guys a little bit more about that
what that is because regardless of
whether the stocks are up and down I
still get the dividends the dividends is
the income that they're paying out to me
either every month or every quarter
every every year based on the stock so
that's how I look at it I also look at
it as because I'm a long-term investor
when there's a correction every year it
has a great buying opportunity recently
we had a bit of a correction in the
market
great opportunity to buy more at a
discount if there is a recession which
typically throughout history has
happened every ten years or so I think
we're due for one pretty soon if there
is one it I mean it's it sucks for a lot
of people though that they lose their
jobs and things like that but when you
have time on your side and you're a
long-term investor that's a great
opportunity to buy more at a discount
you know when I in 2007-2008 I wish that
I knew what I knew now because I would
have bought a lot of those stocks at a
discount knowing that you know they
would go up so much to where they're at
today so that's why I don't really worry
too much up and down but overall you
know the unrealized gain has been
$146,000 Canadian this is just for my
Canadian accounts and I'll show you guys
I'm not gonna went to every stock what I
do recommend is if you guys want to do
more research on some of the stocks you
guys can pause this video if you'd like
look them up if you like as well but
I'll sure if you've got some of my
favorite ones usually I like to sort
everything by the change of what's down
because usually I'm not I'm not looking
to sell stocks I'm usually looking to
buy and when I can see what's down for
example like these are the stocks that
are down today
I'm usually looking to buy those ones if
it's a significant enough drop but all
organized things for you guys right now
based on the market value just to show
you some of the biggest stocks first as
I mentioned I really love bank stocks
Bank especially in Canada not not all
countries because some countries the
banking banking system is not that good
or secure Canada has one of the top
banking systems in the world and they
pay great dividends okay so all the bank
stocks in Canada usually pay really
great dividends and they've been around
for decades and will continue to be
around for decades as well for example
Bank of Montreal has never missed a
dividend payment in over a hundred years
so so you know you know it's a pretty
secure long-term investment okay so that
the biggest holding that I have in terms
of bank stocks is Bank of Nova Scotia as
you can see of you know I've benefited
from capital gain and appreciate
but again that only matters if I sell
but what I'm really after is the
dividend so Bank Nova Scotia pays a
really great dividends which is still
low okay
so you can see it's about $80 per share
but mainly what I'm looking at is the
dividend okay so this is what the
dividend is based on the share they do
if the frequency is every quarter and
then the yield
okay the dividend yield is is one of the
most important things and then what I
often deal with the stocks to because I
don't need that income that it provides
so this is gonna pay me a different
dividend based on how many shares that I
have every quarter okay so every three
months because I don't need the money
I have it on a drip a drip is a dividend
reinvestment plan so basically the money
that would get paid out it just goes to
buying more shares and that's how you
really get that compounding effect over
time because it just continuously keeps
you know buying more shares and then I
the more shares that I own the greater
the dividend I get as well so that just
keeps growing over a long period of time
which is really great
okay let's go back here so make a Nova
Scotia I like TD Bank as well I like as
well that's gone up 18 percent so that's
great
you know Royal Bank of Canada Sun Life
Financial National Bank of Canada Bank
of Montreal now I also have some of the
communication companies so these are
like communications in terms of internet
cable TV cell phone services so that the
some of the biggest ones in Canada are
Shaw Communications and tell us so I own
them Shaw's actually down
tell us has been up but Shaw pays a
monthly dividend which I like I'm not
sure if you guys hear that sound in the
background that was actually my washing
machine making that noise okay yeah so
they pay a monthly dividend which is
great so a great source of income for me
so even though they're down you know
even though I've lost almost five grand
I'm not that affected by it because
every month I'm getting a dividend
that's buying more at this discounted
price right so there's like dollar cost
averaging this happening where sometimes
it's going to buy more when it's higher
and lower but over time it bill
over a period of time you know
CIBC is a bank and this a variety one
one that I like here is not a dividend
paying stock which is Shopify this is
actually the one I've gotten the
greatest return from as you can see it's
gone up a hundred and fifty nine percent
and Shopify you can buy on the Canadian
and the US market but because I'm
involved in online businesses I also
like to invest in what I know and I kind
of just kind of know I know Shopify no
Amazon and no those kind of because I'm
involved in that business every single
day and I work with people with that but
Shopify has been blowing up big time so
you know I'm only gonna profit from this
when I sell it but eventually I will and
I just believe long-term again this is
going to continue to go up or that
Shopify might get bought out by Amazon I
mean I'm pretty diversified across a lot
of different sectors and industries some
stocks have been getting into that are a
little bit more risky have been cannabis
stocks especially in Canada so this is a
canopy growth this is like marijuana
cannabis I'm sure you guys are aware of
this has been going up and right now I
think these are it's more risky because
it's based on government and laws that
come out but right now things are at
least moving along the track record of
getting legalized in Canada but also in
different states in the US and also
different parts of Europe as well so
that provides a great opportunity that
even though you know some of these
cannabis stock can be a little bit more
high risk I'm willing to take that risk
with a small percentage of my portfolio
because I believe that five 10 years
from now not even next year or the next
two years but like five 10 20 years from
now cannabis and marijuana is gonna be
legalized and it's gonna be a huge
market and that these stocks that have
bought now even though it's gonna up 21%
eventually is gonna be worth
significantly more but I mean I buy
different energy stocks technology
stocks so a variety different you know
financial stocks and whatnot to
so I'm not going to explain each of them
- this is another cannabis stock this is
an energy stock this is a communication
stock PCE is like bell communications
Manulife is a financial one Rogers this
communication stock so as you can see
now I have ones that have gone up I made
money of lost money you know this is a
cannabis knock this down 29% this is a
Cineplex which is this was actually a
bad purchase I do make some some bad
purchases once in a while - and you
learn from them of course but Cineplex
is like entertainment company they have
movie theaters and things like that in
Canada and really I mean they're kind of
movie theaters are kind of dying long
you know in the future because now
people are just watching things on
Netflix now and there's not as much
reason to go to a movie theater as there
once was but yeah I'm just going to
slowly scroll through here I'm not gonna
explain each one to you but as you can
see this in terms of these Canadian
holdings it's up 6% so about 96 thousand
dollars now let's go to etf's
ETFs are exchange-traded funds so these
are usually the index funds that I was
referring to so the biggest one that I
have here is the iShares fun but I like
to diversify across a lot of different
ones so this one is the SP 500 and the
the TSX so those are the US and Canadian
exchanges and basically what they do is
they're they're very diversified across
these different sectors right so at
different times you know based in the
market you know the energy sector might
be down or financial services might be
up or communications might be up or down
but when you're diversified in this way
then you don't have to worry that much
about it because it just kind of evens
itself out it's kind of replicating the
market so I like ETS for that reason and
these ones also pay a dividend
okay and they're also on a drip as well
so I've got a variety here mainly you
know like the sp500 some of them are
bonds so this one for example is a
short-term bond index this one is an
aggregate bond index excuse me this one
is an index fund for the cannabis and
the marijuana market also pays a
dividend which is great so sometimes I
mean in it for example investing in one
individual marijuana or cannabis stock
is more risky versus buying in an index
fund that owns all the different
marijuana or cannabis stocks in the
market right because that way if one
goes under you don't lose all that money
but it's more diversified in this index
this is like a global all capital so
this is like a global market index of
the entire world I'm actually not sure
if it's an entire world but I'm sure
some of the biggest countries in the
world total market funds so it's not
just the top 500 companies in the S&P
500 it's the total US market emerging
markets yeah some of these I'd have to
explain a lot more in depth with but
overall you know this has also been up
by six point three one percent thirty
four thousand dollars if I were to come
down here these are trust funds that I
have so usually these are real estate
investment trusts that I buy so for
example Chartwell is a retirement
residence because right now a lot of
baby baby boomers are retiring and so I
see that as a good opportunity right now
because they're gonna need a lot of
senior housing Rio kin which has been
down they buy I think they buy a lot of
commercial real estate shopping centers
for example so I can own you know I
don't have to buy a shopping center and
you know be a real estate investor I
could buy something like this a real
estate investment trust that owns they
have a portfolio of real estate of
shopping centers which is really cool so
that's one of the reasons why I love
REITs
for example this one owns American
hotels which has been down but overall
you know I've got a variety of different
trusts and real estate investments this
portfolio has actually been the smallest
for me thus far it's barely up and it's
been struggling a little bit okay now
let's go into some of the u.s. holdings
mashing down overall in the US market
today so some of the biggest ones are
amazon.com so that's been going up
significantly about 22% I sell on Amazon
I know in Amazon I understand I know how
big they are growing and how
internationals are growing as well so
that's why I think owning Amazon if
you're an Amazon seller you should also
consider owning some of the stock - I
don't think this pays a dividend you
pull it up here no so it does not pay a
dividend a lot of the tech stocks in the
US don't pay dividends but I like to own
them again anyways and my strategy again
around that is that I would eventually
sell them when I sell them that's when
I'd benefit from the capital capital
gains and appreciation from it Facebook
now Facebook actually went down
significantly because of the whole camp
verge analytical situation but again if
you're a long-term investor that's an
opportunity to buy more so that's
exactly what I did Facebook does not pay
a dividend but if I come down to the
charts here they had this huge dip so
everything was going good with Facebook
going up boom something happens huge dip
again if you're a long-term investor
you're buying it cheap now you're buying
it from 150 to 160 dollars per share and
then sure enough it's gone back up so
that's what I look for as all buying
opportunities at least is I like to pay
attention to the markets a little bit
not not every day but for the most part
when certain things like that happen I
know I can go in there and buy more at a
discounted price Google Apple Tesla so a
lot of these companies are more than
ones that you guys are gonna probably
recognize Netflix of course so Tesla's
been down for me so far but I believe
long term in the vision of Elon Musk and
that technology Alibaba Johnson &
Johnson
Intel Shopify Wells Fargo says some US
bank stocks known as well store Capital
Bank of America Salesforce Connect
Canada actually has a better banking
system than the u.s. is more secure than
the US but I like to own some US banks
as well because even during the
recession we saw like for example Bank
of America during 2007-2008 got hit
really hard but you know again it
recovered and often the u.s. - the
government will kind of bail out banks
if maybe salesforce.com JPMorgan Chase
Berkshire Hathaway this is owned by
Warren Buffett pharmaceutical companies
Spotify I think Spotify I she recently
recently went public let me just check I
think it did that's why I bought it yeah
so they went public in April which is
really cool so Oracle I have some US
cannabis dogs which we're not doing well
because it's it's more up in the air
especially in California right now
Adobe MasterCard Visa PayPal Microsoft
so the US market there's more companies
that that most people are gonna be more
aware of and learn more about but the
reason why I haven't invested as much on
the US exchanges as I have a Canadian
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