Smith Manoeuvre results 2021-now

Started reading about the Smith Manoeuver on www.edrempel.com and www.milliondollarjourney.com in 2020.

I'm not exactly following things to a T in the sense that I'm not putting the dividends and tax refunds into the mortgage. My current mortgage rate is 1.79% fixed for 5, renews Sept 2025. When I renew at a higher rate I might consider putting the tax refunds at that time. But I want to build the portfolio.

I did a modified Rempel Maximum and took out $100k. We have a lot of equity but didn't feel comfortable putting the max in. It was split into 90% XEQT and 10% XRE. I've since added another $75k and the break down is 90% XEQT 5% XRE and 5% ZRE. If I could redo it I would make it 10% ZRE.

All dividends are reinvested.

I'm pretty happy with my results.