{"id":331291,"date":"2025-12-05T14:12:22","date_gmt":"2025-12-05T14:12:22","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/november-2025-dividend-income-update\/"},"modified":"2025-12-05T14:12:22","modified_gmt":"2025-12-05T14:12:22","slug":"november-2025-dividend-income-update","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=331291","title":{"rendered":"November 2025 Dividend Income Update"},"content":{"rendered":"


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November 2025 Dividend Income Update<\/h2>\n

Hi Again!<\/p>\n

Welcome to our latest update: our November 2025 dividend income update.<\/p>\n

A reminder for anyone new to the site and existing thousands of subscribers, this is a standing monthly series related to our hybrid investing approach \u2013 an approach I\u2019ve been using for about 16 years now.<\/p>\n

It will be about 17 years in early 2026!<\/p>\n

We invest this way as we approach retirement in 2026:<\/p>\n

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  1. We invest in a bunch of Canadian stocks.<\/li>\n
  2. We invest in a few low-cost ETFs for extra diversifcation.<\/li>\n
  3. We keep cash\/cash equivalents for near-term spending.\u00a0<\/li>\n<\/ol>\n

    Simple, but it works to date!<\/p>\n

    \"Saving\"Saving<\/p>\n

    Source: With thanks to Behavior Gap.<\/em><\/p>\n

    November 2025 Dividend Income Update<\/strong><\/h3>\n

    So far, so good with #1-#3 above.\u00a0<\/p>\n

    There were two dividend increases in our portfolio last month \u2013 doing nothing but staying invested.<\/p>\n

    Fortis (FTS) raised its dividend by 4.1 per cent, marking 52 consecutive years of increases.<\/p>\n

    Telus Corp. (T) hiked its dividend by 0.5 per cent.<\/p>\n

    Regarding Telus, I was surprised to be honest \u2013 in that they have too much debt and as a shareholder, I would much rather see them buyback shares, stop raising their dividend \/ stop their dividend reinvestment plan (DRIP), pay down debt or do a few other things to create shareholder value. Raising the dividend again<\/em> isn\u2019t one of them right now\u2026<\/p>\n

    I personally predict a 50% dividend cut for Telus in 2026 if they don\u2019t make a change. I will hold my shares for now given Telus represents far less than <1% of our entire portfolio at the time of this post and if I do sell it<\/em>, I can use it to offset any capital gains when I am retired next year.\u00a0<\/p>\n

    On a more positive tilt, it\u2019s bank earnings week!<\/strong><\/p>\n

    Bank of Nova Scotia (BNS) didn\u2019t raise their dividend recently when their earnings came out (I thought that might happen?!) but that\u2019s OK \u2013 other Canadian banks might still raise their dividend in December: TD, RY, BMO, CM and NA.<\/p>\n

    Generally speaking, Canadian banks and other financials have been flying in 2025. Glad I own them.\u00a0<\/p>\n

    I hope your portfolio has done well too\u2026<\/p>\n

    November 2025 Dividend Income Update<\/strong><\/h3>\n

    Like I\u2019ve shared many times already in 2025, it\u2019s worth repeating, we are making the shift from savers to spenders in 2026.<\/p>\n

    It is my hope we have enough saved up for spending needs in 2026 and 2027.\u00a0<\/p>\n

    I will know more when I get there! \ud83d\ude42<\/p>\n

    With one month to go in our reporting year, we\u2019re on target to earn this below from our * part of our portfolio \u2013<\/em> our projected annual dividend income (PADI) for retirement spending needs:<\/p>\n

    \"November\"November<\/p>\n

    * Recall these projected annual dividend income (PADI) updates on my site focus on part of our portfolio \u2013 not all accounts. This cashflow does not include<\/strong> any TFSAs, no corporation assets, nor any small future workplace DB pension I might have in 2026. I\u2019m also far too young to include any government benefits in our near-term retirement spending plans as well since those days are almost 13 years away.\u00a0<\/em><\/p>\n

    That said\u2026I will be updating how we report our PADI starting in January 2026! Stay tuned.<\/em><\/p>\n

    I post answers to FAQs related to these updates here.<\/a><\/p>\n

    And, <\/strong><\/em>as I have mentioned a few times in recent months, I continue to share this information not to brag but to share what is possible with a long-term investing plan.<\/p>\n

    For instance, I know some investors just starting their income journey \u2013 their portfolio generates $5,000 per year.\u00a0<\/p>\n

    I know others like me on the cusp of early retirement in their 50s and 60s.\u00a0\u00a0<\/p>\n

    I know others still, established and very successful retirees that earn over $100,000 per year<\/strong> from their portfolio excluding CPP and OAS government benefits.\u00a0<\/p>\n

    Maybe we will get there ourselves when we add everything up in another year or so\u2026we shall see!?<\/em><\/p>\n

    I continue to report these monthly updates for personal inspiration and motivation. Focusing on income from a mix of stocks and ETFs keeps me accountable for our path. I also believe it can work wonders over time too.<\/p>\n

    I look forward to sharing more updates<\/em> in another month given some Canadian stocks we own as mentioned above might juice their dividends this week\u2026.<\/p>\n

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    Onwards and upwards to you too!<\/strong><\/p>\n

    Mark<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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    Mark<\/a><\/h3>\n
    \"\"<\/div>\n

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    My name is Mark Seed – the founder, editor and owner of My Own Advisor. As my own DIY financial advisor, I’ve reached financial independence. Now, I share my lessons learned for free on this site. Join the newsletter read by thousands every week.<\/p>\n<\/div>\n<\/div>\n