I am talking about YOC because $46,500 is the amount of money that I have put to work and there is no tax involved whatsoever.  My top stocks are HOT.un, CUF.un, CHR, and VSN.  I don't diversify much and I don't rebalance.  I also am old style and buy by blocks in all my accounts.  My returns in this account pay $370 per month for $4440 per year and I just bought another 100 HOT.un today.  I have been fully invested in this account since 2009.