July 2017 Income & Status Update

I can’t believe we are already done with July, it seems time is just flying by.  Things are running very smoothly with the portfolio, I have started to downsize my portfolio as it was a bit out of control with too many small positions and happy to report it is done.

New Capital

Happy to report that I was able to inject more capital to my Dividend Growth Engine, a total of $4,304.90 that is currently being deployed.   It is still 4x more than I was able to put last year and now that I have cleared off all credit card debt, this amount should start increasing also.

Dividends

Because of the shift of my portfolio, July was a small dividend month in terms of payouts, most of the dividends are getting paid out on the 2nd and 3rd month of the quarter.  Total income was $9.70 compared to $10.09 last July.  Companies/ETFs that paid out dividends are:

  • SPHD
Purchases
  • V (added 50 shares  @ $94.00)
  • TGT (added 10 shares @ $50.36)
  • SPHD (added 100 shares @ $39.75)
  • COST (added 10 shares @ $151.12)
  • T (added 75 shares at $36.63)
  • VZ (added 75 shares at $43.76)
Portfolio Balance

July finished with a balance of $91,801.51, a 13.24% change from June of $81,067.81.

I’m extremely happy with the portfolio performance thus far, balance is continuing to grow.  Expected Monthly Portfolio Income is also growing sitting at $279.23 in passive income that is being re-invested every month and thus getting closer to reaching my goal of FI.

Thanks for reading,

Tech Guy

May 2017 Income & Status Update

Hello Everyone, I’m sorry for the late update.  I have been busy with work and life in general and didn’t update on the time that I like to update.

May was another record month for me as we plow through and get the engine roaring.

New Capital

I have transferred a record breaking $5909.77 for new capital to be deployed into stocks.  An incredible update from $361.87 of May 2016 which I am extremely happy with the progress so far.

Dividends

Dividends are still growing nicely also year over year.  For May, I received $157.85 in dividend payments, a 7X increase from the previous year of $17.93.  Again, I’m extremely happy with the progress.

Strategy/Moving Forward

I have started consolidating most of my portfolio and did a few changes as I had way too many stocks that I purchased when they took a dive and sold them at their highs.  Most of the sells it would have taken me years to realize those gains through dividends.  I have started parking some money on SCHD which is a low cost dividend ETF.

Portfolio

Ended May 2017 with the portfolio size of $71,791.21, an increase of $9,466.21 from the previous month which I’m extremely happy with.

Thanks for reading the update and I promise I’ll get back on schedule with these updates.

December 2016 Update + Year In Review

2016 was the year I discovered two things that are taking shape in my financial life.  One is the path for Financial Independence that is achievable in a short period of time if we just focus and Dividend Growth Investing.

I am now extremely hungry for both FI/RE and Dividend Growth Investing.  I have cut down my expenses, low hanging fruit without changing a whole lot.

This blog/journal will help me achieve and keep in sane so I can look back and see the achievements that I have done.

Notable financial things that happened in 2016

  • Second home purchased
  • First year of First Property be 100% rented/occupied
  • Discovered the power of Dividend Growth Investing
  • Read 10 more books than 2015
  • Finished the year with $41,963.18 in taxable brokerage account that will produce about $1,503.90 in yearly dividends.
  • Started side gigs to generate extra capital to invest in taxable account

2016 I can say was a good year in terms of savings. I started saving aggressively into the taxable brokerage account adding a monstrous $37,644.92 in new capital, an average of $3,137.08 a month.  I hope that 2017 will continue to bless me in ways that I can not even imagine.

XIRR return for the portfolio currently sits at 16.64% and since the inception has generated $401.87 in dividends, 2017 will crush that.

Dividends Received Since taking changing focus from speculative to long term investing into good Dividend Growth Companies.

As you can see, the portfolio really started to take shape after September when the second stage of transformation happened.  Hopefully I can continue to contribute at such levels God willing in 2017.

Purchases

I continued to add to existing positions for December and opened new positions.

  • OHI (38 stares @ ~$30)
  • JNJ (7 shares @ ~$110)
  • MA (2 shares @ ~$103)
  • CSCO (12 shares @ ~$30)
  • and other smaller additions.

Goals for 2017

  • Double current savings rate to at least $6,000/monthly average.
  • Finish the year with at least $150,000 in taxable brokerage account. That means I need about $108,000 from where I am now if there is 0 growth in 2017.
  • Generate at least $40,000 in side income
  • Go on a trip to Asia with the Wife.

2017 will definitely be more active on this blog. See you at the other side 🙂

Thanks for reading.

God Bless.

– Div Tech Guy

Investing for the Long Term

Frequently enough, you will get notification from traditional budgetary organizers that rapidly entering and leaving certain securities exchange ventures has the reasonable probability of being a pointless try, and for the most part the clarification “why” basically concentrates on the way that stock exchange costs are whimsical in the transient and can take forever and a day to effectively mirror the estimation of the undertaking you have at the top of the priority list. That is totally part of the condition, yet there is a whole other world to it than that: the greater part of the stock exchange’s additions come in short blasts that are uncontrollably flighty.

On the off chance that you expelled the 100 greatest days in securities exchange history since 1926, you would lose 33% of your riches. That is psyche boggling to consider—the organizations that make up the real lists, for example, the Dow Jones and the S&P 500—don’t move in some direct design that give you 10% returns every year, except climb and down in fits and spurts.

I’ll give you a few case to bring home the point:

October 13th, 2008, was one of the best single days in securities exchange history. The stock exchange went up 11.08%. Considering that we were amidst a noteworthy securities exchange revision, this day could have effectively been missed by a financial specialist that poorly planned his way out methodology. It would have sucked to offer out on October twelfth.

On October 28th, 2008 (that same month!), the share trading system went up 10.88%. The recorded normal for extensive top American stocks amid the twentieth century was increases of around 10% every year. That solitary October day in October gave financial specialist’s over a year of increases.

There is a not insignificant rundown of 98 other “critical” securities exchange picking up days that proceed with in this vein. Walk 23rd, 2009 saw the share trading system go up 6.84%. There were three diverse days in November 2008 that saw money markets move more than 6%. Walk 2008 had two separate events of almost 4% day by day picks up. July 24th, 2002, saw a 6.35% addition, and after a week on July 29th, the share trading system saw a 5.41% increase. Those are only case from the post-2000 period, yet in the event that you audit the twentieth century by and large, you will probably achieve the conclusion that the vast majority of the share trading system’s increases come in down to business spurts, and that is the thing that can “advertise timing” a slacking methodology.

That is the sort of motivation behind why you turn on the TV to CNBC, watch the folks on Wall Street, and see them look so hopeless. They are attempting to figure the transient bearing of costs, and that is a simpleton’s amusement. You can spend your life concentrating on the strategies of Walter Schloss, Warren Buffett, Irving Kahn, and Charlie Munger, and after that you can assemble a respectable quality contributing vocation for yourself. How the hellfire would you be able to be a decent market clock? Who realized that October 2008 would have two days when the share trading system went up by more noteworthy than 10% in a solitary day? Who realized that July 2002 would have a few days with 5% or more increases each? On the off chance that you think you can foresee those sort of value changes, you should purchase yourself a gem ball and drop the figment that what you are doing is contributing.

I need you to have a decent putting life that suffocates you in pay like clockwork without you stressing about business sector variances. We have these superb American organizations sitting right in front us, beseeching us to end up their proprietors. We as a whole know Coca-Cola. It’s been raising its profit for a large portion of a century. It has a 30% profit for shareholder value. It’s expenses are insane low. The volume shipments become unassumingly with time. What’s more, in the event that you purchased $10,000 worth of Coca-Cola stock a quarter century today, and reinvested the profit, you’d be producing $5 in Coca-Cola profits each day. I know a lady that works the midnight shift at Steak ‘n Shake, and it would take her a hour of working from 2 AM-3 AM each day to procure the same measure of cash as you’d be getting from your Coca-Cola possessions only to wake up in the morning.

The share trading system picks up go back and forth in short blasts. Missing those short blasts in part clarifies why most financial specialists can’t beat most list assets. That is the reason I am partial to the expression “it is time in the business sector, not timing of the business sector” that matters. Anticipating the day by day vacillations in stock cost is an unpleasant waste of time. Warm don’t need to play that. Adopt the thought process of an entrepreneur. Decide the sort of organizations you hope to be gainful quite a while from now, decide a discerning cost to pay for those stocks, turn into a proprietor, and after that kick back and gather the profits while observing the long haul soundness of the firm. Get in the propensity for organizing your life so that crisp profit money is continually getting piped into your record. Try not to stress over the everyday variances. The enormous additions come to put it plainly, erratic blasts at any rate.

May 2016 Dividend Update

I follow a dividend-growth investing strategy. I started investing for the long term in the stocks of companies that not only pay dividends, but consistently increase their dividends from year to year. Almost every single week there is a small deposit in my brokerage account, I transfer more money and buy more shares. I reinvest the dividends and invest new funds I save from my job income. My ultimate goal is to create a sustainable, rising stream of dividend income that will eventually exceed the income from my job and allow me to be financially secure in retirement. I have been working to achieve this goal by building and maintaining a compounding machine that has three key parts: dividend growth, dividend reinvestment, and investment of new funds.

Any spare change or amount that is left over at the end of the month plus any automatic contributions are transferred to my Robinhood account, because it doesn’t charge commissions to buy stocks, I am able to buy shares and add to the pile on a weekly basis.

The final tally for May 2016 in Dividend Income was $18.16