Hello everybody. Sorry about not posting a May’s blog post. I got busy and forgot all about it thus this is a combination of May and June. Like I said a lot has happened especially with my trading and my goals going forward. The biggest change is that I have gone back to option trading and so I am using 10% of my portfolio to do that which means my forward dividends has lowered from April’s post. I also will not be adding any funds into my account outside of option trading because of vacation plans I have in August and October.
Last 2 month’s dividends & interest: $191.70 Year to date dividend & interest: $414.95 May and June 2019 vs May and June 2018: -$24.02/-11.13% Forward annual dividend: $1,179.12 May and June’s Options Earnings: -$707.87 Portfolio’s value: $24,446.96 (+2,042.72/+9.12% since April)
Overall my portfolio has grown since April. I have lost some money in option trading but this should improve as I get back into it and put more time into it. It is a mix of day trading and weekly option trading. Let’s see what July brings
This month’s dividends & interest: $37.74 Year to date dividend & interest: $211.57 April 2019 vs April 2018: -$199.37/-78.95% Forward annual dividend: $1,432.32 Portfolio’s value: $22,404.24 (+759.89/+3.51% MoM)
First quarter of 2019 is over. With the help of cash deposits, capital growth, and dividend reinvestment my portfolio grew. The real question though is by how much and should I continue what I am doing?
Here is a breakdown of this quarter’s growth and where it came from:
As you can see my portfolio grew by $3,147.86 in the first quarter. While 52% of this came from cash deposit the remain came from capital growth and dividends which came to $1502.86. If you compare this to Q1 2018 in which I made $410.99 in dividends but had a negative cap growth of a few hundred dollars, you can see that I saw at least an increase of $1091.87 YoY.
Another thing I said I was going to do was rebalance my portfolio every quarter. The main reason for this is to keep a 25/75 balance between bonds and stocks but to also take advantage of any growth I saw the previous quarter.
As you can see I switched out a few ETFs and Mutual funds and changed my portfolio weight so that bonds have a 30% weight while stocks have a 70% weight. I gave bonds a 5% more weight going into the 2nd quarter because of rocky economy news I have seen both domestic and foreign. Depending on how the 2nd quarter goes I will either add more weight to bonds or go back to a 25/75 ratio.
Overall I like trading/owning ETFs and Mutual funds even though they come with fees. With REITs I was trading the last few years, I had to keep an eye on them regular for wild price swings, making sure the the areas the REITS covered were doing well, and constantly read up on the dozen or so stocks I owned to make sure they were doing well financially. With ETFs and Mutual funds you can buy them and forget about them for the most part. This allowed me to not have to check my portfolio as often and take care of other things.
Well, April is half way done and it is about time it started to look like Spring. I will talk to everybody in a few weeks when I post April’s review. Until then, happy trading and I will see everybody in retirement.
NOTE: A more detail breakdown of the 1st quarter will be posted this weekend.
This month’s dividends & interest: $70.84 Year to date dividend & interest: $177.00 March 2018 vs March 2019: +$.04/+.06% Forward annual dividend: $1,419.16 Portfolio’s value: $21,644.35 (+943.36/+4.56% from last month)
February was a reminder of why I switch from a 100% stock portfolio to a bond/stock portfolio primarily in ETFs and Mutual Funds. I sold all my shares of UNIT for a lost of almost 50% thanks to a settlement that didn’t go in favor of its parent company. With that proceeds I bought ~23 shares of FSMEX and I added $525.00 into my portfolio and bought 13 more shares of EPP. Other than the craziness from UNIT, I received $99.50 in dividends and at the end of the month my portfolio’s value only dropped by $150.00.
This month’s dividends: $99.50 Year to date dividend payments: $99.50 February 2018 vs February 2019: -$41.09 / -29.23% Q1 2018 vs Q1 2019: – Forward annual dividend: $1,237.39 Portfolio’s value: $20,700.99 (-$150.00/-0.719%)
It is that time of the year again where we look back at the past year and reflect on the good times and the bad times. 2018 overall was a good year. I didn’t get hospitalized, I finally finished a degree, and I was able to grow my investment portfolio. There were some bad and I will talk about them shortly. First here is how more portfolio performed and grew over 2018.
As you can see my portfolio grew from $13,779.57 to $19,221.49 thanks to $6570.40 in funds being added and earning $1,966.94 in dividends. Wait though, if you add up $13,779.57, $6570.40, and $1,966.94 you get $22,316.91 and not 19221.49! So what happened well, we all know what happened. During the 4th quarter we saw a huge drop in stock prices. While I had an exit plan and waited to see if stocks would recover I lost over $3000.00 Once I sold all my shares and paid fees my lost came to $3095.42. I do not regret this action looking back even though stocks have rebounded in the last few weeks of January, as an investor I have to think about now not what or could happen in the future.
I do not blame how my portfolio was constructed. I know it was very aggressive portfolio and I knew it would have huge swings in prices. The problem with this I didn’t want to have to watch my portfolio every day to see if I need to sell or if it was a great time to buy. This lead me to wanted to create a portfolio that was still aggressive but there was more order to the chaos. So after a few weeks of looking at stocks, mutual funds, and ETFs I have created a portfolio that is 25% bonds, and 75% stocks. As you can see most of my bonds concentrate on US companies with some coming from foreign. With my stock I chose to have 15% of my holdings be made up of foreign stocks while 60% is made up of US stocks. I thought it was a good idea to make sure my holdings was well balanced across all markets.
I have 2 stocks, UNIT and SUN, and a mix of ETFs and Mutual Funds. While the ETFs have a very low fee the Mutual Funds fees are pretty high so I will keep an eye on them to how much they eat into my dividend throughout the year. My current dividend yield is not as aggressive as my 100% stock portfolio which was mainly concentrated on REITS that had high yield. As of this written my yield is 7.17% compared to 10.92% of my old portfolio. I am hoping I make up the difference by investing in capital growth ETFs/Mutual Funds. Here you can see my current projected monthly dividend payments for 2019 and compared to 2018.
So for 2019 my plan is to invest in at least $6000. I plan on buying at least one more foreign ETF to have coverage in all emerging and developed markets. Continue to buy shares of the current funds and stocks I own and at the end of every quarter I will rebalance my portfolio to make sure it keeps to the 25/75 ratio I have. Every 6 months I will look to see if I need sell any under performing holdings and pick up new ones. Of course if we go through a recession I will switch to a more conservative portfolio to ride out the recession.
As always, Happy dividend investing and see everybody in retirement!
Year to date dividend payments: $1,985.73
2018 Dividend payments: $1,121.96
Increase of $844.98 or a 75.31% year over year.
Forward annual dividend: –
A lot has happened this year especially in December and in 2018. I plan to go over 2018 and what my plans are going forward in a future blog post. I think most people will be shocked. I should have the blog post up in the next day or two.
As always, Happy dividend investing and see everybody in retirement!