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I will be making some changes to the monthly reports starting from today.  From now on, I will only be sharing the dividends I receive and my savings rate on the monthly reports.  I will share the market values on my taxable brokerage account, Roth IRA accounts, and 401(k) account every quarter.  My brokerage only sends me statements quarterly for my Roth IRA accounts so it takes me a lot of time to compile the information.  From a cost benefit analysis, it makes more sense for me to just post the numbers quarterly instead of having to compute all the amounts for every stock.

Without further ado, below is the monthly report as of January 31, 2018:
Taxable Dividend Income (Total: $71.91)
  • Cardinal Health, Inc. (CAH) - $9.26
  • Genuine Parts Company (GPC) - $14.41
  • Kimberly-Clark Corporation (KMB) - $19.63 (Increased 102.58% YOY)
  • Medtronic plc (MDT) - $6.55
  • Realty Income Corporation (O) - $6.19 (Increased 6.17% YOY)
  • Sysco Corporation (SYY) - $1.82
  • Wal-Mart Stores Inc. (WMT) - $14.05 (Increased 3.84% YOY)
    • Total taxable dividend income increased 73.78% YOY.
All dividend increases are from dividends reinvested and dividend raises from the companies.  I'm very happy with the total year over year dividend increase.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividend Income (Total: $47.32)
  • Automatic Data Processing, Inc. (ADP) - $7.68 (Increased 12.28% YOY)
  • Cardinal Health, Inc. (CAH) - $7.45
  • Genuine Parts Company (GPC) - $8.28
  • Medtronic plc (MDT) - $6.55 (Increased 8.80% YOY)
  • Pepsi, Inc. (PEP) - $9.04 (Increased 9.18% YOY)
  • Wal-Mart Stores Inc. (WMT) - $8.32
    • Total non-taxable dividend income decreased 60.74% YOY.
The main reason for the large decrease YOY is because I exchanged my entire position in VBLTX for VGHCX.  VBLTX paid a monthly dividend, whereas VGHCX is more focused on capital appreciation.

You can see a schedule of all the non-taxable dividend income I have received here.

Savings Rate
  • 50.50%
Savings rate was excellent for this month!  I achieved my savings rate target of 25% in 2017 with an actual savings rate of 35.66% so I'm going to increase my savings rate target for 2018 to 30%.  The savings rate for January is a great start to 2018.

You can see a schedule of my savings rate by month here.
How did you do this month?
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Life has been really busy for me the past few months, but I will try to catch up on my posts to keep everyone aware of my dividends I've been receiving, my portfolio, my stock purchases, and my savings rates.

Below are my stock purchases for January:
  • I purchased 20 shares of HCP, Inc. (HCP) at $25.5799 per share in my taxable brokerage account.  This is a dividend yield of 5.79%, adding $29.60 to my taxable dividend income.
  • I purchased 10 shares of Welltower Inc. (WELL) at $60.75 per share in my taxable brokerage account.  This is a dividend yield of 5.73%, adding $34.80 to my taxable dividend income.
  • I purchased 24 shares of The Southern Company (SO) at $46.75 per share in my Roth IRA account.  This is a dividend yield of 4.96%, adding $55.68 to my non-taxable dividend income.
  • I purchased 13 shares of The Procter & Gamble Company (PG) at $86.50 per share in my Roth IRA account.  This is a dividend yield of 3.32%, adding $37.31 to my non-taxable dividend income.
After these purchases, my taxable dividend income will increase by $64.40, and my non-taxable dividend income will increase by $92.99.

What do you think of my January purchases?  Do you own any of the same companies?
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On my 9/8/2015 post, I had written that the point I can retire is when my passive income I receive exceeds my expenses.  And that amount is $3,000 per month in passive income.  Therefore, my goal at that time of the post was to receive $36,000 in dividends by 2041.  I had also posted a breakdown of target dividend income goals for each year from 2015 to 2041, which can be found here.

Now that 2017 has passed, it's time to reflect on how I did.  My 2017 dividend goal was $6,000 as of 5/3/2017.  The actual amount of dividends I received was $7,346.95.  I surpassed this goal by $1,346.95, or 22.45%!  This is 20.41% of $36,000, which means I've already attained 20.41% of the total dividends I need to retire.  I would say that 2017 was a great year - significantly exceeding my dividend goals.

Since the amount of dividends I actually received exceeds the projected 2018 dividends, I'll need to revise my projected dividend amounts.  You can find these revised projected dividend goals for each year here.  For 2018, my goal is to receive $7,800 in dividend income.  This dividend goal of $7,800 for 2018 is a 6.17% increase from the $7,346.95 dividends I received in 2017.  I'm counting on dividend growth, dividend reinvestments, and new capital to achieve this goal.

What do you think of my dividend goal for 2018?  Do you have any goals or financial new year's resolutions for 2018?
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As another year has passed by, I'm one more year closer to financial independence and retirement.  It feels like time just keeps flying by faster and faster... and I feel it especially so because I can see my children growing up.  I still remember bringing my firstborn back from the hospital and now he's talking with his own personality.  Looking back at his baby pictures and looking at him now just reminds me of how fast time flew by.

I mention financial independence and retirement as if they are two different things, and to me, they are.  Financial independence is the point in which I no longer need to work to survive since my investments can cover my living expenses.  With financial independence, I can still choose to work if I want to; it also gives me the independence to do work that I'm passionate about, without having to worry whether my salary can support my family.  On the other hand, retirement is quitting the workforce and no longer working.

For me, my goal is to reach financial independence ASAP and aim to retire by the age of 56 in 2041.  I still have a while to go before retirement, but I'm hoping to quickly get to the point where my passive income can cover all my expenses so that I don't need to worry about supporting my family in case I get laid off (God forbid).

For purposes of my "Passive Income Coverage" posts, I will only consider my dividend income and rental income.

Below are my dividends and rental income for 2017:
  • Dividends From Taxable Brokerage Account = $3,298.46
  • Dividends From Roth IRA Account = $4,048.49
  • Rental Income = $18,000.00
    • Total Passive Income = $25,346.95
My total living expenses for 2017 is $61,087.16.  This does not include money spent on charitable contributions and investing.  The reason I did not include these amounts into my living expenses is because they are not costs that are necessary in retirement.  I do not have to make charitable contributions nor do I have to have money to invest with when I am in retirement.  My total living expenses for 2017 is $19,138 more than 2016.  The main reasons are due to increased children's expenses, my accelerated real estate tax payments at the end of 2017, and car payments.  I had to buy a bigger car to accommodate my bigger family, and so I bought a new car with a 5 year loan at 0% interest with no down payment.  Now I know some frugal people will think I'm stupid for buying a new car instead of a used car, but it's psychological for me.  I like the peace of knowing that I'm buying a brand new car with no problems instead of having to worry I got tricked into buying a used car with issues I didn't identify.  So yea, that pretty much explains my increased living expenses from the prior year.

So for 2017, my passive income covered 41.49% of my living expenses.  My passive income coverage percent decreased compared to 2016, which was 54.57%.  Again, this is primarily due to my increased living expenses.  The good news though is that my passive income is increasing.  These living expenses should be significantly lower in retirement because hopefully I will no longer have to pay for any of my children's expenses and I don't plan on having any car payments to make in retirement.  Overall, I think I am still heading in the right track because my passive income is consistently growing and a 41.49% passive income coverage is still pretty good in my opinion.

I'm looking forward to what 2017 has in store for me.  Hopefully good investments, increasing dividends, and enjoying life's precious moments.

How much of your investments or passive income covers your living expenses?
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I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of December 31, 2017:

Taxable Dividend Income (Total: $793.70)
  • 3M Company (MMM) - $5.98
  • Bank of America Corporation (BAC) - $15.65 (Increased 61.34% YOY)
  • Chevron Corporation (CVX) - $12.23 (Increased 0.91% YOY)
  • The Coca-Cola Company (KO) - $20.87 (Increased 1.31% YOY)
  • Consolidated Edison, Inc. (ED) - $118.87 (Increased 6.24% YOY)
  • Dominion Resources, Inc. (D) - $3.96
  • Emerson Electric Co. (EMR) - $26.82 (Increased 4.03% YOY)
  • Exxon Mobil Corporation (XOM) - $30.79 (Increased 54.34% YOY)
  • Johnson & Johnson (JNJ) - $8.56 (Increased 1.78% YOY)
  • Kellogg Company (K) - $16.24 (Increased 2,852.73% YOY)
  • The Kraft Heinz Company (KHC) - $12.50 (Increased 13,788.89% YOY)
  • McDonald's Corp. (MCD) - $117.39 (Increased 9.31% YOY)
  • Microsoft Corporation (MSFT) - $254.08 (Increased 10.18% YOY)
  • Pfizer Inc. (PFE) - $18.43 (Increased 9.12% YOY)
  • Realty Income Corporation (O) - $6.16 (Increased 6.39% YOY)
  • Southern Company (SO) - $16.20 (Increased 7.86% YOY)
  • Target Corp. (TGT) - $54.79 (Increased 64.98% YOY)
  • Time Inc. (TIME) - $0.04 (Decreased 80.95% YOY)
  • V.F. Corporation (VFC) - $18.34 (Increased 376.36% YOY)
  • Walgreens Boots Alliance, Inc. (WBA) - $10.00
  • W.W. Grainger, Inc. (GWW) - $25.80
    • Total taxable dividend income of $793.70 increased 28.47% YOY.
New positions I added fresh capital to this year are D, GWW, MMM, and WBA.  Existing positions I added fresh capital to this year are K, TGT, VFC, and XOM.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  TIME cut its dividend so that's a bummer, but TIME is also a company in my portfolio as a result of my parents purchasing AOL for me many years ago.  Overall, I'm very happy with the total year over year dividend increase.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividend Income (Total: $1,939.17)
  • 3M Company (MMM) - $8.37
  • Archer-Daniels-Midland Company (ADM) - $12.11 (Increased 9.69% YOY)
  • Chevron Corporation (CVX) - $13.34 (Decreased 1.55%YOY)
  • Emerson Electric Co. (EMR) - $11.42 (Increased 4.20% YOY)
  • Exxon Mobil Corporation (XOM) - $9.50 (Increased 1.93% YOY)
  • Kellogg Company (K) - $8.22
  • Target Corp. (TGT) - $10.24 (Increased 6.67% YOY)
  • Unilever plc (UL) - $11.97
  • V.F. Corporation (VFC) - $8.46 (Increased 11.90% YOY)
  • W.W. Grainger, Inc. (GWW) - $6.50
  • Vanguard Health Care Fund Investor Shares (VGHCX) - $1,457.35
  • Vanguard REIT Index Fund Admiral Shares (VGSLX) - $381.69 (Decreased 21.77% YOY)
    • Total non-taxable dividend income of $301.16 increased 12.55% YOY.
New positions I added fresh capital to this year are GWW, K, and MMM.  CVX had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts.  VGSLX had a YOY decrease as well, but the distributions are entirely up to the fund managers.  This is one of the annoying things about mutual funds; because the distributions are based on the fund managers' discretion, they fluctuate so it's difficult to get a reliable estimate of the amount of distributions expected to be received from year to year.  However, I don't want to sell these mutual funds since I want some diversification in case my individual stock picking skills don't pan out as well as I'd like.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  Overall, I'm very happy with the total year over year dividend increase.

You can see a schedule of all the non-taxable dividend income I have received here.

Market Values (Total: $508,071.57)
  • Brokerage Accounts - $153,138.46 (Increased 2.41% from prior month)
  • Roth IRA - $90,679.21 (Increased 0.86% from prior month)
  • 401(k) - $264,253.90 (Increased 1.53% from prior month)
    • Total market value increased 1.67% from prior month.
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income.  As long as the dividends keep coming and are increasing, I'm not too worried.  Nevertheless, it's still interesting to see how it is performing.

You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month here.

Savings Rate
  • 0%
Savings rate was terrible for this month as I had no savings.  I actually had to slightly tap into my emergency savings, but I can explain why.  The two main reasons I had no savings this month was because I spent a decent chunk of money on vacation, and also because I decided to pay my first and second quarter real estate taxes for 2018 this month.  Due to the new tax law changes signed by our president, I decided to accelerate my real estate tax payments due 2018 in 2017.  I think this is the right move for our family so I'm ok with not having any savings this month.

You can see a schedule of my savings rate by month here.
How did you do this month?
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I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of November 30, 2017:

Taxable Dividend Income (Total: $98.02)
  • Air Products and Chemicals, Inc. (APD) - $4.81
  • AT&T Inc. (T) - $9.86
  • The Clorox Company (CLX) - $8.56
  • Colgate-Palmolive Company (CL) - $13.35
  • General Mills, Inc. (GIS) - $14.74
  • HCP, Inc. (HCP) - $12.95
  • Hormel Foods Corporation (HRL) - $1.70
  • Kinder Morgan, Inc. (KMI) - $4.97 (Increased 0.40% YOY)
  • The Procter & Gamble Company (PG) - $10.50 (Decreased 0.47% YOY)
  • Realty Income Corporation (O) - $6.13 (Increased 6.24% YOY)
  • Time Warner Inc. (TWX) - $4.48 (Decreased 2.40% YOY)
  • Verizon Communications Inc. (VZ) - $5.97
    • Total taxable dividend income of $98.02 increased 348.81% YOY.
New positions I added fresh capital to this year are APD, GIS, HCP, HRL, T, and VZ.  An existing position I added fresh capital to this year is CL.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  The reason for the decrease YOY for PG and TWX is due to the liquidation of my partial shares when I consolidated my brokerage accounts.  I'm very happy with the total year over year dividend increase.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividend Income (Total: $97.45)
  • Air Products and Chemicals, Inc. (APD) - $7.70
  • The Clorox Company (CLX) - $7.70 (Increased 6.94% YOY)
  • Colgate-Palmolive Company (CL) - $6.88
  • General Mills, Inc. (GIS) - $8.97
  • HCP, Inc. (HCP) - $13.27
  • Hormel Foods Corporation (HRL) - $5.67
  • Kinder Morgan, Inc. (KMI) - $7.77 (Increased 1.44% YOY)
  • Omega Healthcare Investors, Inc. (OHI) - $24.34
  • Welltower Inc. (HCN) - $15.15
    • Total non-taxable dividend income of $97.45 decreased 11.44% YOY.
New positions I added fresh capital to this year are APD, HCN, HCP, and OHI.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  The reason for the decrease in my non-taxable dividend income is because I exchanged my entire position in VBLTX for VGHCX.

You can see a schedule of all the non-taxable dividend income I have received here.

Market Values (Total: $499,719.38)
  • Brokerage Accounts - $149,530.58 (Increased 3.48% from prior month)
  • Roth IRA - $89,910.21 (Increased 2.70% from prior month)
  • 401(k) - $260,278.59 (Increased 3.25% from prior month)
    • Total market value increased 3.22% from prior month.
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income.  As long as the dividends keep coming and are increasing, I'm not too worried.  Nevertheless, it's still interesting to see how it is performing.

You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month here.

Savings Rate
  • 36.03%
Savings rate was pretty good for this month since it's above my 25% savings rate target.

You can see a schedule of my savings rate by month here.
How did you do this month?
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I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of October 31, 2017:

Taxable Dividend Income (Total: $61.45)
  • Cardinal Health, Inc. (CAH) - $2.31
  • The Coca-Cola Company (KO) - $20.70 (Increased 6.43% YOY)
  • Genuine Parts Company (GPC) - $14.31
  • Kimberly-Clark Corporation (KMB) - $9.85 (Increased 2.39% YOY)
  • Medtronic plc (MDT) - $6.51
  • Realty Income Corporation (O) - $6.11 (Increased 6.26% YOY)
  • Sysco Corporation (SYY) - $1.66
    • Total taxable dividend income of $61.45 increased 75.32% YOY.
New positions I added fresh capital to this year are CAH, GPC, and SYY.  An existing position I added fresh capital to this year is KMB.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  I'm very happy with the total year over year dividend increase.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividend Income (Total: $29.05)
  • Automatic Data Processing, Inc. (ADP) - $6.92
  • Cardinal Health, Inc. (CAH) - $7.40
  • Genuine Parts Company (GPC) - $8.22
  • Medtronic plc (MDT) - $6.51
    • Total non-taxable dividend income of $29.05 decreased 70.07% YOY.
New positions I added fresh capital to this year are CAH and GPC.  The reason for the large decrease in my non-taxable dividend income is because I exchanged my entire position in VBLTX for VGHCX.

You can see a schedule of all the non-taxable dividend income I have received here.

Market Values (Total: $484,133.58)
  • Brokerage Accounts - $144,499.23 (Increased 9.39% from prior month)
  • Roth IRA - $87,545.50 (Decreased 0.86% from prior month)
  • 401(k) - $252,088.85 (Increased 2.44% from prior month)
    • Total market value increased 3.79% from prior month.
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income.  As long as the dividends keep coming and are increasing, I'm not too worried.  Nevertheless, it's still interesting to see how it is performing.

You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month here.

Savings Rate
  • 8.95%
Savings rate for this month is the lowest year to date, and it's also lower than my 25% savings rate target.  I'm not pleased with this low savings rate in comparison to my savings rates historically, but having any kind of savings is still better than no savings at all.

You can see a schedule of my savings rate by month here.
How did you do this month?
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Happy New Year everyone!  With 2017 behind us, it's time to reflect on our new year's resolutions, our goals, our achievements, and our areas for improvement.  I make it a habit to set new year's resolutions every year and aim to achieve as many of them as possible.  Looking back over this past year, I have achieved a majority of my new year's resolutions so I'm very happy about that.  With the start of the new year, I'm optimistic that 2018 will be just as good, if not better, than 2017.

It's been a while since I've posted, but I plan to post my monthly reports for October, November, and December before the end of this month.

October was a great month for picking up stocks, and I did my best to capitalize on that opportunity.  I also made some purchases in November and December as well.  Below are my stock purchases for the months of October, November, and December:
  • I purchased 5 shares of Cardinal Health, Inc. (CAH) at $62.75 per share in my taxable brokerage account.  This is a dividend yield of 2.95%, adding $9.25 to my taxable dividend income.
  • I purchased 10 shares of Cardinal Health, Inc. (CAH) at $58.15 per share in my taxable brokerage account.  This is a dividend yield of 3.18%, adding $18.50 to my taxable dividend income.
  • I purchased 5 shares of Welltower Inc. (HCN) at $64.35 per share in my taxable brokerage account.  This is a dividend yield of 5.41%, adding $17.40 to my taxable dividend income.
  • I purchased 10 shares of HCP, Inc. (HCP) at $25.60 per share in my taxable brokerage account.  This is a dividend yield of 5.78%, adding $14.80 to my taxable dividend income.
  • I purchased 10 shares of Kellogg Company (K) at $60.429 per share in my taxable brokerage account.  This is a dividend yield of 3.57%, adding $21.60 to my taxable dividend income.
  • I purchased 10 shares of The Kraft Heinz Company (KHC) at $76.60 per share in my taxable brokerage account.  This is a dividend yield of 3.26%, adding $25 to my taxable dividend income.
  • I purchased 5 shares of Kimberly-Clark Corporation (KMB) at $112 per share in my taxable brokerage account.  This is a dividend yield of 3.46%, adding $19.40 to my taxable dividend income.
  • I purchased 10 shares of Omega Healthcare Investors, Inc. (OHI) at $28.25 per share in my taxable brokerage account.  This is a dividend yield of 9.20%, adding $26 to my taxable dividend income.
  • I purchased 20 shares of Omega Healthcare Investors, Inc. (OHI) at $26.83 per share in my taxable brokerage account.  This is a dividend yield of 9.69%, adding $52 to my taxable dividend income.
  • I purchased 10 shares of AT&T Inc. (T) at $33.495 per share in my taxable brokerage account.  This is a dividend yield of 5.97%, adding $20 to my taxable dividend income.
  • I purchased 10 shares of Walgreens Boot Alliance, Inc. (WBA) at $71.6299 per share in my taxable brokerage account.  This is a dividend yield of 2.23%, adding $16 to my taxable dividend income.
  • I purchased 10 shares of Walgreens Boot Alliance, Inc. (WBA) at $67.83 per share in my taxable brokerage account.  This is a dividend yield of 2.36%, adding $16 to my taxable dividend income.
After these purchases, my taxable dividend income will increase by $255.95.

What do you think of my October, November, and December purchases?  Do you own any of the same companies?
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I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of September 30, 2017:

Taxable Dividend Income (Total: $713.88)
  • 3M Company (MMM) - $5.94
  • Bank of America Corporation (BAC) - $15.58 (Increased 61.45% YOY)
  • Chevron Corporation (CVX) - $12.12 (Increased 2.02% YOY)
  • Consolidated Edison, Inc. (ED) - $117.91 (Increased 6.32% YOY)
  • Dominion Resources, Inc. (D) - $3.85
  • Emerson Electric Co. (EMR) - $26.34 (Increased 4.19% YOY)
  • Exxon Mobil Corporation (XOM) - $30.49 (Increased 54.15% YOY)
  • Johnson & Johnson (JNJ) - $8.51 (Increased 1.79% YOY)
  • Kellogg Company (K) - $5.40 (Increased 1,025.00% YOY)
  • McDonald's Corp. (MCD) - $108.60 (Increased 7.80% YOY)
  • Microsoft Corporation (MSFT) - $234.71 (Increased 10.96% YOY)
  • Pfizer Inc. (PFE) - $18.26 (Increased 9.01% YOY)
  • Realty Income Corporation (O) - $6.07 (Increased 6.12% YOY)
  • Southern Company (SO) - $16.01 (Increased 7.74% YOY)
  • Target Corp. (TGT) - $54.21 (Increased 83.83% YOY)
  • Time Inc. (TIME) - $0.04 (Decreased 80.00% YOY)
  • V.F. Corporation (VFC) - $16.63 (Increased 23,657.14% YOY)
  • Wal-Mart Stores Inc. (WMT) - $13.96 (Decreased 4.90% YOY)
  • W.W. Grainger, Inc. (GWW) - $19.25
    • Total taxable dividend income of $713.88 increased 21.74% YOY.
New positions I added fresh capital to this year are D, GWW, K, and MMM.  Existing positions I added fresh capital to this year are GWW, K, TGT, XOM.  TIME had a YOY decrease due to a huge dividend cut; WMT had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts.  Once TIME is trading at a gain, I plan on exiting out of the position.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  I'm very happy with the total year over year dividend increase.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividend Income (Total: $370.82)
  • 3M Company (MMM) - $8.32
  • Archer-Daniels-Midland Company (ADM) - $12.02 (Increased 9.67% YOY)
  • Chevron Corporation (CVX) - $13.22 (Decreased 0.45% YOY)
  • Emerson Electric Co. (EMR) - $11.22 (Increased 4.37% YOY)
  • Exxon Mobil Corporation (XOM) - $9.41 (Increased 1.84% YOY)
  • Kellogg Company (K) - $8.16
  • Pepsi, Inc. (PEP) - $8.98
  • Target Corp. (TGT) - $10.13
  • Unilever plc (UL) - $11.67
  • V.F. Corporation (VFC) - $7.68
  • Wal-Mart Stores Inc. (WMT) - $8.27
  • W.W. Grainger, Inc. (GWW) - $6.45
  • Vanguard REIT Index Fund Admiral Shares (VGSLX) - $255.29 (Increased 49.34% YOY)
    • Total non-taxable dividend income of $370.82 increased 19.60% YOY.
New positions I added fresh capital to this year are GWW, K, MMM, and WMT.  CVX had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  I'm very happy with the total year over year dividend increase.

You can see a schedule of all the non-taxable dividend income I have received here.

Market Values (Total: $466,471.72)
  • Brokerage Accounts - $132,090.68 (Increased 3.81% from prior month)
  • Roth IRA - $88,305.39 (Increased 0.96% from prior month)
  • 401(k) - $246,075.65 (Increased 3.03% from prior month)
    • Total market value increased 2.85% from prior month.
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income.  As long as the dividends keep coming and are increasing, I'm not too worried.  Nevertheless, it's still interesting to see how it is performing.

You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month here.

Savings Rate
  • 63.13%
Savings rate was excellent for this month!  This is the highest so far year to date.  50% or more in savings rate is definitely a big achievement for me.

You can see a schedule of my savings rate by month here.
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I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of August 31, 2017:

Taxable Dividend Income (Total: $68.00)
  • Air Products and Chemicals, Inc. (APD) - $4.78
  • AT&T Inc. (T) - $4.90
  • The Clorox Company (CLX) - $8.50
  • Colgate-Palmolive Company (CL) - $13.27
  • General Mills, Inc. (GIS) - $4.90
  • Kinder Morgan, Inc. (KMI) - $4.93 (Increased 0.20% YOY)
  • The Procter & Gamble Company (PG) - $10.43 (Decreased 0.38% YOY)
  • Realty Income Corporation (O) - $6.05 (Increased 7.08% YOY)
  • Time Warner Inc. (TWX) - $4.46 (Decreased 2.19% YOY)
  • Verizon Communications Inc. (VZ) - $5.78
    • Total taxable dividend income of $68.00 increased 214.96% YOY.
New positions I added fresh capital to this year are APD, GIS, T, and VZ.  Existing positions I added fresh capital to this year is CL and GIS.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  The reason for the decrease YOY for PG and TWX is due to the liquidation of my partial shares when I consolidated my brokerage accounts.  I'm very happy with the total year over year dividend increase.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividend Income (Total: $115.15)
  • Air Products and Chemicals, Inc. (APD) - $7.65
  • The Clorox Company (CLX) - $7.65
  • Colgate-Palmolive Company (CL) - $6.84
  • General Mills, Inc. (GIS) - $8.89
  • HCP, Inc. (HCP) - $13.10
  • Hormel Foods Corporation (HRL) - $5.64
  • Kinder Morgan, Inc. (KMI) - $7.72 (Increased 1.45% YOY)
  • Omega Healthcare Investors, Inc. (OHI) - $23.48
  • Welltower Inc. (HCN) - $14.96
  • Vanguard Long-Term Bond Index Fund (VBLTX) - $19.22 (Decreased 80.41% YOY)
    • Total non-taxable dividend income of $115.15 increased 8.91% YOY.
New positions I added fresh capital to this year are APD, HCN, HCP, and OHI.  All other dividend increases are from dividends reinvested and dividend raises from the companies.  On 8/4/2017, I exchanged all my shares of VBLTX for VGHCX, which is why VBLTX has a large decrease YOY.  VBLTX was paying a decent dividend yield, but the monthly distributions varied from month to month with some months showing a decrease YOY.  Additionally, the rate of return was not the greatest and I feel that I may get a better return on my money if I invest in VGHCX.  VGHCX focuses more on capital appreciation versus income so the objective for the money invested into this fund is different.  The money invested in VGHCX will be focused more on growing the money quickly over a long period of time.  I didn't want to completely sell everything and buy dividend growth stocks since I still want to have some money invested in mutual funds just to hedge my risk in case my dividend stock picks don't pan out as well as I would like.  Overall, I'm happy with the total year over year dividend increase.

You can see a schedule of all the non-taxable dividend income I have received here.

Market Values (Total: $453,547.54)
  • Brokerage Accounts - $127,247.37 (Increased 2.72% from prior month)
  • Roth IRA - $87,462.65 (Increased 1.23% from prior month)
  • 401(k) - $238,837.52 (Increased 1.35% from prior month)
    • Total market value increased 1.71% from prior month.
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income.  As long as the dividends keep coming and are increasing, I'm not too worried.  Nevertheless, it's still interesting to see how it is performing.

You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month here.

Savings Rate
  • 59.01%
Savings rate was excellent for this month!  This is the highest so far year to date.  50% or more in savings rate is definitely a big achievement for me.

You can see a schedule of my savings rate by month here.
How did you do this month?
Read Full Article

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