My Personal Income Plan!

What is my personal income building plan? For the most part, (I keep it really S.I.M.P.L.E.). I hold one major Canadian “monthly income mutual fund,” two Blackrock iShares ETFs that pay income every month and 250+ shares of National Bank of Canada, which of course, pays a handsome quarterly dividend.

Please note:

  1. I try to detail my investment and income building strategies to the point they are helpful; however I am not able to reveal certain specifics that are obviously personal or otherwise private.
  2. I discuss the majority of my specific investment plan(s) on my “monthly income blog!” (This page is simply an introduction to how I’ve built and continue to build a significant monthly income I will use in retirement).
  3. I am mostly a “buy and hold” investor. I do make rare portfolio changes from time to time.
  4. Like everyone else, I have certain mutual funds, ETFs and dividend-paying stocks I love. I will talk about them a lot, but that does not mean I necessarily endorse or recommend them. Check my legal and privacy policy page for more information.
  5. The investment math, and many of the images and graphics I utilize are (mostly) for illustration purposes only.

What do my numbers look like? (Due to the private nature of “money,” please consider my personal investment and savings numbers as “approximations.”)

My current monthly interest and dividend income (Exclusively from those two ETFs, my National Bank stock and the “monthly income mutual fund” exceeds $1,200 $1,300 per month, every month, month after month after month… after month; it never stops. Not that long ago, it was $1,100 per month and a few years ago it was approximately $800 or $900 per month and “way back” it was just a few hundred bucks a month. Time flies when you’re having fun! That’s just the monthly interest and dividend income. This does not include my capital growth and appreciation.

It has grown EVERY year for the past 15+ years straight, and continues to grow year-over-year (Even during the 2008/2009 worldwide financial mortgage/credit crisis and the 2020 COVID-19 worldwide market “crash.”) I am not bragging. In fact, because of investing mistakes I made in my 20s and early 30s, I am actually behind at least $6,000 a year in dividend and interest income.

I finally “figured it out” in my mid-30s and have not deviated much since, hence a low maintenance, growing, (low-to-medium risk) investment & retirement portfolio.

I should mention I am a DIY investor. I literally follow my own suggestions on how to successfully build a substantial “monthly income” for retirement 🙂 (As seen on the home page of I currently use CIBC Investor’s Edge. I’m a big fan of BMO Investorline also.

My “monthly income blog” contains investing specifics, updates, plans, strategies and lots of discussion! Enjoy, Learn, Prosper!

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