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What is my Yield on Cost – 2018?

In 2016 I did my first post about Yield on Cost (YOC). See my post YOC-2016.

In this post I calculated the YOC for every stock I own. As we all know YOC is a common metric for Dividend Growth Investors to measure and manage their portfolio. And I’m one of them . I thought it would be nice to compare my 2016-YOC and 2017-YOC with my 2018-YOC to see if there is progress.

Yield On Cost

This measures the rate of dividend income that your original investment earns today. Yield on cost is essentially the dividend yield based on your initial investment in a stock. If a company increases its dividend after you purchased shares, you will enjoy a higher rate of income return on your original investment – your yield on cost rises. And of course when a company cuts its dividend, your YOC will decrease.

Yield on cost shows you whether a stock’s dividend has been rising or falling since your investment was purchased.

I like tracking my yield on cost of my holdings to see the power of consistent dividend growth. I think it is exciting to see my investment literally begin to pay for itself with higher dividend income over time.

How to calculate your Yield On Cost

This is a very simple metric to calculate. All you need is a company’s annual dividend and your cost base per share. So to calculate your YOC, you need to divide a company’s annual dividend by the your cost base per share.

It will be a little more difficult when you have made more than one purchase of a company (for instance, when you use Dollar Cost Average). If you want your cost base per share purchase you have to turn to your broker. In this article I use my overall cost base per share.

Vrijheid Fonds

I track my YOC for my Vrijheid Fonds. In Table 1 you can see my YOC per share for 2018.

company Shares Share Price Cost Base Dividend Yield YOC
Ahold 427  21.14  3,506 0.63 2.98% 7.67%
Bayer 12 93.40  1,186 2.80 3.00% 2.83%
Royal Dutch Shell 374  29.97  5,922 1.72 5.74% 10.86%
Unilever 247  48.02  6,540 1.56 3.25% 5.89%
3M $ 9 201.14  1,753 5.44 2.70% 2.79%
Aflac $ 48  42.60  1,435 1.04 2.44% 3.48%
Archer-Daniels-Midland $ 41  47.56  1,499 1.34 2.82% 3.67%
AT&T $ 100  31.66  3,744 2.00 6.32% 5.34%
Billiton – PLC $ 30  43.88  1,578 2.20 5.01% 4.18%
Chevron $ 36  124.00  3,720 4.48 3.61% 4.34%
Coca Cola $ 80  44.74  3,001 1.56 3.49% 4.16%
Consolidated Edison $ 24 79.49  1,862 2.86 3.60% 3.69%
Franklin Resources $ 50  32.33  1,811 0.92 2.85% 2.54%
General Elecrtic $ 60  13.89  1,587 0.48 3.46% 1.81%
Johnson& Johnson $ 45  125.87  4,628 3.60 1.80% 3.50%
McDonalds $ 21  158.48  2,093 4.04 2.55% 4.05%
Microsoft $ 32  105.41  1,507 1.68 1.59% 3.57%
Omega Healthcare Investment $ 144  31.33  4,959 2.64 8.43% 7.67%
Procter & Gamble $ 38  79.32  2,922 2.87 3.62% 3.73%
Realty Income $ 120  55.12  6,027 2.64 4.79% 5.26%
South 32 LTD $ 12  13.48  –   1.46 10.83% 100%
Southern Company $ 50 47.95  2,385 2.38 4.96% 4.99%
Target $ 70  77.72  4,069 2.52 3.24% 4.33%
Vereit $ 100  7.70  1,310 0.55 7.17% 4.21%
Wal-Mart Stores $ 45  87.71  2,931 2.08 2.37% 3.19%

Table 1. Yield on Cost for my Vrijheid Fonds.

You can see that most of my stocks have a positive YOC compared to the actual Yield. This means that for these shares my dividend growth strategy really works!

Unfortunately my Vrijheid Fonds has a couple of companies were the YOC is lower than the actual yield. For BBL this is because they slashed the dividend two years and the stock price is way lower than the moment I bought these shares. The other companies are due to lower share price than the original purchase price.

The biggest difference between Yield and YOC are from the two companies I own the longest (since 2005 – Ahold Delhaize and Royal Dutch Shell). And this also shows that increasing dividend every year gives you an increasing YOC.

Comparison

If we compare 2018 with 2017 and 2016, you can see that my weighted average YOC is slightly higher than last year.

Most of my companies have a better YOC than last year. This is really nice and what I want. This increase is due to the dividend increases from the past 12 months. My overall YOC is positive for my Vrijheid Fonds. The weighted average YOC is 4.72%.

In Table 2 you can see the YOC from the two years.

Company 2016 2017 2018
Ahold 6.57% 6.76% 7.67%
Bayer AG   0 2.83%
Royal Dutch Shell 9.64% 10.31% 10.86%
Unilever 4.68% 4.59% 5.89%
3M $   0 2.79%
Aflac $ 2.74% 2.88% 3.48%
Archer-Daniels-Midland $ 3.28% 3.50% 3.67%
AT&T $ 5.36% 5.47% 5.34%
Billiton – PLC $ 1.22% 2.05% 4.18%
Chevron $ 4.14% 4.18% 4.34%
Coca Cola $ 3.73% 3.95% 4.16%
Consolidated Edison $   0 3.69%
Franklin Resources $ 0 2.21% 2.54%
General Electric $ 3.48% 3.63% 1.81%
Johnson& Johnson $ 3.34% 3.27% 3.21%
McDonalds $ 3.57% 3.77% 4.05%
Microsoft $ 3.06% 3.31% 3.57%
Omega Healthcare Investment $ 6.74% 7.32% 7.67%
Procter & Gamble $ 6.74% 6.95% 3.73%
Realty Income $ 5.48% 5.81% 5.26%
South 32 LTD $      
Southern Company $   0 4.99%
Target $ 3.98% 4.27% 4.33%
Vereit $ 4.20% 4.20% 4.21%
Wal-Mart Stores $ 3.07% 3.13% 3.19%

Table 2. Yield on Cost comparison 2016-2018.

Finally

YOC does not play a role in my investment decision. As frequent readers of my blog know, for my investment decisions I use the metrics from my Pollie-Code. But yes, I like YOC and my positive weighted average YOC tells me that my dividend growth strategy works.

Do you calculate and track your YOC?  And do you use this metric in your investment decisions?

Cheers,

Pollie

The post Does my investment pay a higher dividend? – 2018 appeared first on Polliesdividend.

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How did I do in the first half of 2018?

The first half of 2018 is already behind us. And I have written two different posts about my progress on my various goals. This post is just a summary of my progress on all my goals. Just take a look at my post on my Vrijheid Fonds for my review on my goals for my Vrijheid Fonds and if you want to know what my progress on my goals for my website, take a look at what did Q2-2018 brought for polliesdividend.com?

 

 

 

Goal 1: Receive €3,600 in dividends during the year of 2018

In the first half of 2018 I received € 1,792.73 in dividend income. At the end of the first half of 2018 my projected dividend income for whole 2018 is €3,448.

Dividend Q1 Q2 Q3 Q4 Total
2014  90.11  509.38  226.04  289.32  1,114.85
2015  323.04  634.43  401.28  414.83  1,773.58
2016  511.80  769.88  1.148.63  649.08  3,079.38
2017 673.10  923.18  726.82  758.06 3,081.16
2018 685.87  1,106.87

So with a projected dividend income of € 3,470, I’m still lacking a bit to reach this goal in 2018 ;-). My reported dividend for the first half of 2018 isn’t as high as I hoped it would be at the time of writing down my goals for 2018. I did pump up my projected dividend income with almost € 200 since Q1, but it still will be a real challenge to achieve this goal.

So this goal is still a big challenge than I original thought. Despite everything, I will still do my utmost best to maximize my dividend income for 2018.

Grade: Challenging!

Goal 2: More diversification in my Vrijheid Fonds

My Idea behind this goal is that I want to position myself appropriately to protect my Vrijheid Fonds and decrease my risk factor for when the markets really dip. In order to do this, I want to diversify geographically by investing more in European companies.

2017 HY – 2018
NL/Europe 32,24% 33,66%
USA 52,78% 51,80%

Geographical diversification 7/1/2018

2017 HY – 2018
Stocks 85.01% 87,01%
Bonds 6.37% 6,54%
Mix 6.79% 6,35%
Cash 1.82% 0,10%

Assets allocation at 7/1/2018

2017 HY – 2018
Consumer Discretionary 19.98% 19.92%
Consumer Staples 20.74% 19.43%
Energy 15.33% 15.41%
Financials 3.92% 3.22%
Health Care 5.77% 5.95%
Industrials 0.96% 2.27%
Information Tech 2.51% 2.77%
Materials 1.26% 1.32%
Telecommunications 3.57% 2.82%
Utilities 2.21% 3.67%
REIT 8.77% 10.23%
Cash 1.82% 0.10%
Mutual funds 13.17% 12.89%
Total 100.00% 100.00%

Sector allocation at 7/1/2018

If we take a look at these tables, you can see a small adjustment in all three tables. I’ll keep working on these diversification.

Grade: Passing!

Goal 2: Invest a total of € 7,500 new cash

In order to let my Vrijheid Fonds grow, it needs fresh cash. In the first half of 2018 I added a total of € 4,020 of fresh capital.

I have put this new cash to good use. Every month I bought a lit bit more than € 100 worth of mutual Funds for my “Safe-haven-sleep-well” part of my Vrijheid Fonds.

I bought my first German company – Bayer AG, just click on Bayer AG to read my buy-report. Furthermore I bought some extra Realty Income (O). Read this post for some more information about this recent buy. I initiated a position in 3M – MMM, just click on the ticker for my buy-report. And last but not least, I bought some Consolidated Edison (ED).

And I also did one sell; I sold my Rights Bayer AG.

If I keep this pace up, I will definitely reach this goal!

Grade: Passing!

Goal 4: €300 on passive income from side hustles

My current side hustles are:

  • Google AdSense
  • Bol.com
  • Amazon.com
  • Member’s Board
  • Click here to earn some extra cash with taking some surveys

Only Bol.com and Amazon haven’t paid out to me in 2018. The other three side hustles have paid out to me.

I received € 71.65 from Google AdSense, € 70 from Euroclix and a whooping € 360 of my membership of the member’s board. For more information on my side hustle income see my latest report hustle report May 2018

To sum-up my progress in this goal; in the first six months of 2018 I made € 501.65 in side hustle money! As you can see, I already achieved this goal! So it is time to adjust my goal. My new goal is of course a little bit higher, I hope to make € 800 in passive income from my side hustles.

Grade: Passed and Updated!

Goal 5: Grow Polliesdividend.com to 36,500 views in 2018

The numbers on my site:

Year Views Visitors
2016 – H1 15,075 5,778
2017 – H1 14,455 4,903
2018 – H1 26,877 9,340

So as you can see, in the first half of 2018 I had a total of 26,877 page views. And I’m happy to report that this is an increase of almost 86% when compared to the same period in 2017. For 2018 it comes down to an average of 147 views per day (my goal for 2018 is an average of a 100 view per day).

 

Grade: Passing!

In this same goal I set another sub-goal. I wrote that I’d try to have a least 4 guest-bloggers on Polliesdividend.com this year. This sub-goal I unfortunately have done anything about. I haven’t had a guest-blogger yet. So if you are interested in writing a guest-post on Polliesdividend.com, please contact me by email: Pollie@polliesdividend.com

Goal 6: Write a least 75 post on Polliesdividend

In the beginning of this year I set my self a challenging goal, because I find it more and more difficult to balance my time between family, work, sport, books and Polliesdividend.

Therefore I knew I had to change my routine to reach this goal. And that is exactly what I did. And I’m happy to report that in the first half of 2018 I wrote a total of 81 blog posts!!!

I already reached my goal! Well that is really great. So I have to set a new goal. I will write at least 150 posts on Polliesdividend.com

Grade: Passing and adjusted!

Goal 7: Keep investing in my self 

For my physical sharpening I have been going to the gym almost two times a week in the first quarter. My mental sharpening I did by reading two books and followed 4 webinars.

Lets take a look at the finance book on which I did a book review in the first half of 2018  (the other book I did my review a couple of days ago, so I will report it in my Q3 letter).

The Intelligent Investor – by Benjamin Graham
In my opinion, this book is a must read for all investors. If I have to sum up what I learned in this book, I would probably say that the best path to wealth in investing is patience, good research and avoiding mistakes

The Pollie-rating for this book is:

For the rest of 2018, I already have some books lying around that I want to read. Do you have a recommendation for a good book I should read? What is your favorite book about finance/investing? I like to here from you!

Grade: Passing! 

 

Finally

Overall the first half of 2018 has been a good half-year for my Vrijheid Fonds and Polliesdividend.com I’m passing 6 out of 7 of my goals and even adjusted one!I’m proud of it!

How about you? How are you doing with your goals for 2018? Passing or failing?

Thanks for reading!

Cheers,

Pollie

The post How far am I with my goals for 2018 – half-year summary? appeared first on Polliesdividend.

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Polliesdividend.com – half-year review- 2018

Hello readers, fellow DGI’s,

Thanks for stopping by and taking the time to read this post. Wow time flies when you having fun. Half of 2018 is already behind us.

If you are a regular visitor to my site, you know that I will do my quarterly reviews a little bit different from last year. From now on, I’ll split my review in two different posts. In the first post, I gave my half-year review of my Vrijheid Fonds, and in this post, I will tell you how my site: Polliesdividend.com has performed in the first half of 2018.

I’m writing this review to better understand what is happening with my site and to learn more about blogging. And I’m always open to feedback and tips!

Okay, now lets look at my three goals that I set for Polliesdividend.com in 2018 and how Polliesdividend.com did in the first half of 2018.

Grow Polliesdividend.com to 36,500 views in 2018

Okay, first lets see some numbers on my site.

Year Views Visitors
2016 – H1 15,075 5,778
2017 – H1 14,455 4,903
2018 – H1 26,877 9,340

These page views make an average of 147 views per day. As you can read in my post about my goals 2018, where I told you that my priority for 2018 is to increase my followers and views for Polliesdividend.com, I set my self a challenging goal of approx. 36,500 views for whole 2018. This is a 100 view per day. It looks like that my new approach is working out! I’m happy.

The top 10 countries were my visitors come from:

1 Netherlands 10,912
 2 USA 4,854
 3 Spain 2,049
 4 Germany  1,740
 5 Belgium  973
 6 Finland  704
 7 Canada  674
 8 Sweden  521
 9 Italy  512
 10 United Kingdom  493

In total, people from more than 100 different countries visited my website! They came to my blog and read my posts. Man I’m honored with this much different people.

To let my site grow, it is important to know how people have found my website. So here is the top 5:

Search Engines
Blog rolls
Twitter.com/Polliesdividend
Rockstarfinance.com
Facebook

If we take a look at this top 5, and see that blog rolls are a very important referral channel, I only can say to all of whom has my site on their blog roll; thanks for referring, I’m very grateful for every visitor!

And I appreciate that I have been added to so many blog rolls. If you haven’t added me to your blog roll, lets help each other and lets add our blogs to our blog rolls (just send me an email). Together we can help spread financial wisdom to everybody. And of course; every back link helps!

In conclusion I can say that I had a really great first half of 2018 and if I can keep up these beautiful numbers, I will definitely reach this goal.

Grade: Passing!

Write a least 75 post on Polliesdividend

As you know, I enjoy writing blog post. And yes I still find it hard to write a post, because English is not my native language. Therefore it takes a little bit more time to write a post. And furthermore I (Mr. perfect) want it to be perfect. But writing my investing decisions down helps me to make better decisions. And it also helps me to track my progress. Another motivation is to network more actively with other investors focused on dividend growth investing. The wider audience and increased traffic to Polliesdividend is a welcome bonus.

As I wrote in my review of my 2017 Goals I found it more and more difficult to balance my time between family, work, sport, books and Polliesdividend. And therefore I set my self a goal of 75 posts for 2018.

I knew I had to change my routine to reach this goal. So in the beginning of 2018 I made a blogging agenda for my self, to better plan posts and it was also a way to motivate my self more to write posts. It took a couple of weeks before I really got started….. and I’m happy to report that in the first half of 2018 I wrote a total of 81 blog posts!!!

I already reached my goal! Well that is really great. So I have to set a new goal. I will write at least 150 posts on Polliesdividend.com

Grade: Passing and adjusted!

Keep investing in my self by following a webinar or read two books every quarter

Stephen Covey called it Sharpen the Saw. I think it is important to keep educate yourself. And of course maintain good health.

For my physical sharpening I have been going to the gym almost two times a week. My mental sharpening I did by reading two books and followed four webinars.

It is important to constantly improve your self. Or as Warren Buffett said:

Eat well, Read books, Study yourself, Expand your mind, Do better and get better, you are your greatest investment

Lets take a look at the finance book on which I did a book review.

The Intelligent Investor – by Benjamin Graham
In my opinion, this book is a must read for all investors. If I have to sum up what I learned in this book, I would probably say that the best path to wealth in investing is patience, good research and avoiding mistakes

The Pollie-rating for this book is:

The second book, Hypotheek vrij! by Gerhard Hormann I have read in June and did my review in the beginning of July. SO in my Q3 report I will tell you more about this book. But if you can’t wait so long, just click on the link .

For the rest of 2018, I already have some books lying around that I want to read. Do you have a recommendation for a good book I should read? What is your favorite book about finance/investing? I like to here from you!

Grade: Passing!

Miscellaneous

Popular posts

If you miss any of my most popular posts, take the time to read them. These were my top posts of the first quarter:

Stock split AFLAC 2018

What to do with Omega Health Care Investors?

What to do with my Rights of Bayer AG

Recent Buy – Realty Income

When do I reach Financial Independence – Post 2018

Teaching my kids

In August 2015 I started writing some post to try to financially educate my kids. I know they are still very young (7 and 9) but it is never too early to start. And they can read these blog posts later on in life (This is probably the case, because they don’t speak or read English very well at this moment – You got to love an understatement!).

For young kids it is in my opinion the best way to learn about money and the value of it just by playing. Research here in The Netherlands shows that kids, who have learned about financial affairs/stuff, will be more financial stable, later on in life. And they most likely will not come into financial troubles.

I had some great feedback on this series from you readers on these posts. Thanks for that!

In 2018 I wrote 5 posts in this series:

Bonds – Part 16

Index Funds – Part 17

Inflation – Part 18

What is dividend? – Part 19

Warren Buffett – Part 20

For a summary of this series, take a look at my latest summary of teaching my kids page. I think it is our obligation to educate children, therefore help me get the “snowball of knowledge” rolling and share this summary post.

Conclusion

All in all it has been a good half-year for Polliesdividend.com. I’mpassing all my three goals I have set for my site (and my self).

I’m proud of my little blog that has grown to what it is today. I had an increase in views of more than 86% and I think I became a better writer with every post I wrote. I reached my goal already with writing more that 75 posts. SO I adjusted this goal to 150 posts. If I can keep up with the pace I set for my self in my blogging agenda, I will have a challenge to reach this goal by the end of 2018. And every blog post has been written with a big smile So again: Thank you to all my readers and contributors.

And If I look at all my goals (for my Vrijheid Fonds and for Polliesdividend.com) at this moment I’m passing 6 of my 7 goals. So I’m very happy with that!

How was your first half-year of 2018? Did you have a good half-year?

Cheers,

Pollie

The post What did Q2-2018 brought for Polliesdividend.com appeared first on Polliesdividend.

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Half year review of my Vrijheid Fonds 2018

Dear readers, fellow DGI’s

We have past the half waypoint in the calendar year 2018 recently, so it is time again to reflect upon the past performance of my Vrijheid Fonds. Time really flies when you having fun. Just as a reminder, see my blog post for my goals 2018.

With half of 2018 in hindsight, it’s time for a formal half-year review. Why do I do a review, you ask? Well there are actually a couple of reasons (besides because its fun to write). By doing my own review periodically it will help me understand whether I’m on course to meeting my goals, or whether I need to change my strategy or tactics. It also helps me to stay focused on actively managing my Vrijheid Fonds. And I believe it helps me, through reflecting on the past, to be a better DGI.

As I already told you in my Q1 report, I’m glad that volatility is back! 2017 was a great year were the stock prices shifted up and down in a very narrow bandwidth. And finally, 2018 is really different. This gives hope for a new dip in the stock market and new buying opportunities.

Total Return

Okay without further delay, it is time to look at my Vrijheid Fonds (and how it was affected by this volatility). Lets start with some key statistics.

Some key statistics on my Vrijheid Fonds for 2018:

  • Net Value at the start of 2018: € 90,894
  • Net Value at the end of Q2 2018: € 97,526
  • Fresh added new capital in first half of 2018: € 4,020

With these numbers we can calculate the growth of my Vrijheid Fonds in the first half of 2018. My portfolio’s total return in the first half of 2018 was 2.75%. And lets compare my return with the return of some major indices. If we take a look at the chart below you can see that my Vrijheid Fonds did a good job in relation to the indices. I’m happy with a total return of 2.75% so far.

Now that we know how my Vrijheid Fonds has performed in the first half of the year, it is time to take a look at my four goals that I set for my Vrijheid Fonds in 2018

Goal 1: Receive €3,600 in dividends in 2018

In the first six months of this year I received € 1,792.73 in dividend income. Normally the first half of a year is the biggest half-year in dividend. I’m happy with this amount of passive income. And I can report that my projected dividend income for 2018, at this moment is €3,470.

Dividend Q1 Q2 Q3 Q4 Total
2014  90.11  509.38  226.04  289.32  1,114.85
2015  323.04  634.43  401.28  414.83  1,773.58
2016  511.80  769.88  1,148.63  649.08  3,079.38
2017 673.10  923.18  726.82  758.06 3,081.16
2018 685.87  1,106.87    

My reported dividend for the first half of 2018 isn’t as high as I hoped it would be at the time of writing down my goals for 2018. There are two major causes for this, as I already wrote in my month review for March 2018.

First Royal Dutch Shell has stopped the possibility to reinvest their dividend by mains of script dividend. Up on till the end of 2017 I recorded the dividend of RDS as gross dividend, because the script dividend was paid from the gross dividend. Now the possibility of script dividend has ended, I have to drip from my net dividend ;-( . And that is why from now on, I will state the net dividend from RDS in my overviews. And yes this differs 15%, which is approx. €20 on a quarterly basis!

The second cause is that my mutual fund: NN Euro Obligatie Fonds (Euro Bond Fund) will no longer issue a quarterly dividend from 2018 onwards. From this year on, the dividend payment will take place once a year. From now on, the dividend will be paid in July. For more information, take a look at my post on NN Euro Obligatie Fonds. And now that I have received my dividend for 2018, I can say that I got almost 30% less dividend than in 2017 (ouch).

So with a projected dividend income of € 3,470, I’m still lacking a bit to reach this goal in 2018 ;-).

I did pump up my projected dividend income with almost € 200 since Q1, but it still will be a real challenge to achieve this goal. If I take a look at the rest of this year, I project at least 2 new stock purchases of about (€ 1,200 or $ 1,500) in 2018. With an average of average yield of 2.5%, this will result in approx. € 65 of extra dividend. Ouch… with these numbers I will not reach my dividend income goal for 2018. So I have to do something extra. And I will do my utmost best to maximize my dividend income for 2018.

Grade: Challenging!

Goal 2: More diversification in my Vrijheid Fonds

My Idea behind this goal is that I want to position myself appropriately to protect my Vrijheid Fonds and decrease my risk factor for when the markets really dip. In order to do this, I want to diversify geographically by investing more in European companies.

  2017 HY – 2018
NL/Europe 32,24% 33,66%
USA 52,78% 51,80%

Geographical diversification 7/1/2018

Furthermore I want to decrease my overall equity exposure and increase my Bonds exposure.

  2017 Q1 – 2018
Stocks 85,01% 87,01%
Bonds 6,37% 6,54%
Mix 6,79% 6,35%
Cash 1,82% 0,10%

Assets allocation at 7/1/2018

Diversification is what saves my Vrijheid Fonds when the markets will hit a financial storm

And of course I always strive for more/better diversification in sectors.

  2017 HY – 2018
Consumer Discretionary 19.98% 19.92%
Consumer Staples 20.74% 19.43%
Energy 15.33% 15.41%
Financials 3.92% 3.22%
Health Care 5.77% 5.95%
Industrials 0.96% 2.27%
Information Tech 2.51% 2.77%
Materials 1.26% 1.32%
Telecommunications 3.57% 2.82%
Utilities 2.21% 3.67%
REIT 8.77% 10.23%
Cash 1.82% 0.10%
Mutual funds 13.17% 12.89%
Total 100.00% 100.00%

Sector allocation at 7/1/2018

The tables above show the different diversification of my Vrijheid Fonds at the start of 2018 and at the end of June 2018. I don’t have a specific goal for these diversification.

If we take a look at these tables, you can see a small adjustment in all three tables. I’ll keep working on these diversification.

Grade: Passing!

Goal 3: Invest a total of € 7,500 new cash

In order to let my Vrijheid Fonds grow, it needs fresh cash. In the first six months of 2018 I added a total of € 4,020 of fresh capital.

I have put this new cash to good use. Every month I bought a lit bit more than € 100 worth of mutual Funds for my “Safe-haven-sleep-well”part of my Vrijheid Fonds.

I bought my first German company – Bayer AG, just click on Bayer AG to read my buy-report. Furthermore I bought some extra Realty Income (O). Read this post for some more information about this recent buy. I initiated a position in 3M – MMM, just click on the ticker for my buy-report. And last but not least, I bought some Consolidated Edison (ED).

And I also did one sell; I sold my Rights Bayer AG.

If I keep this pace up, I will definitely reach this goal!

Grade: Passing!

Goal 4: Receive €300 from side hustles

In 2017 I received € 90 in total of side hustle income and I wanted to set a new record for 2018. I’m working hard on this and set my self a goal of at least € 300.

My current side hustles are:

  • Google AdSense
  • Bol.com
  • Amazon.com
  • Member’s Board
  • Euroclix: Click here to earn some extra cash with taking some surveys

Only Bol.com and Amazon haven’t paid out to me in 2018. The other three side hustles have paid out to me.

I received € 71.65 from Google AdSense, € 70 from Euroclix and a whooping € 360 of my membership of the member’s board. For more information on my side hustle income see my latest report hustle report May 2018.

To sum-up my progress in this goal; in the first six months of 2018 I made € 501.65 in side hustle money! As you can see, I already achieved this goal! So it is time to adjust my goal. My new goal is of course a little bit higher, I hope to make € 800 in passive income from my side hustles.

Grade: Passed and Updated!

This was my review of my goals that are related to my Vrijheid Fonds. I will do another review of the remaining goals, which are related to my website Polliesdividend.com, but first let’s have a closer look at the development of my Vrijheid Fonds in the first half of 2018.

Vrijheid Fonds

At the end of the first six months of 2018, I have 25 stocks, 4 mutual funds and 1 corporate bond in my Vrijheid Fonds. I just did 1 sell in 2018 so far and, as I already wrote, four new buys.

I had to accept one dividend cut and was pleased with 19 increases in the first half of 2018.

In the table below you can see the stock price changes for every individual stock of my Vrijheid Fonds in the first half of 2018.

Ahold Delhaize AH.AS 11,84%
Bayer AG BAYN -9,28%
Royal Dutch Shell RDS.AS 7,14%
Unilever UN.AS 1,77%
3M MMM 1,03%
AFLAC AFL -2,04%
Archer-Daniels-Midland ADM 14,29%
AT&T T -17,51%
Billiton PLC – ADR BBL 11,45%
Chevron CVX 0,84%
Coca Cola KO -4,59%
Consolidated Edison ED 0,53%
Franklin Resources BEN -26,08%
General Electric GE -22,23%
Johnson & Johnson JNJ -13,26%
McDonalds MCD -9,01%
Microsoft MSFT 15,29%
Omega Healthcare Investment OHI 12,56%
Procter & Gamble PG -15,24%
Realty Income O -5,72%
South 32 LTD SOUHY -1,55%
Southern Company SO -3,72%
Target TGT 16,64%
Vereit VER -0,25%
Wal-Mart WMT -13,45%
NN Euro Obligatie Fonds – Mutual Fund   -3,73%
NN premium Dividend Fonds – Mutual Fund   -8,44%
NN Hoog Dividend Obligatie Fonds – Mutual Fund   -3,38%
Kempen European High Dividend Fund – Mutual Fund   -4,29%
Rabobank Certificates – Corporate Bond   -4,26%

If I look at this table I can fairly say, that my Vrijheid Fonds, is affected by the volatility of the markets. I have a lot of stocks with a negative return in the first half of 2018. The stock market needed a dip because the stocks have become really expensive, which was seen by the high P/E-ratios and the low dividend yields. So now that the prices have dropped, it gave and gives me some nice buying opportunities. And because I’m in it for the long run, I only see buying opportunities.

The Dollar

The Dollar lost strength against the Euro in 2017, but in 2018 the Dollar is back and won a little bit more than 2.66% against the Euro in the first half of 2018.

And if you look at my portfolio, you can image that the value of my portfolio is positively affected by a stronger Dollar.

Finally

Well, things are looking pretty good. 2018 has been a volatile year so far and gave me some nice buying opportunities.

At this moment I’m passing 3 of my 4 goals and one of them I already adjusted upwards. The other goal is going to be challenging, but I will do my utmost best to reach it.

How was your first half of 2018? How are you doing with your goals for 2018? Passing or failing?

Thanks for reading.

Cheers,

Pollie

The post Half year review of my Vrijheid Fonds 2018 appeared first on Polliesdividend.

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May Dividend Income from the Dutch Dividend Bloggers

Every month I check were the visitors of my website come from. And I see that about 50% is from my own country, The Netherlands. This is of course great and I try to visited their website if they have one.

A couple of months ago, I read a post on Dividenddiplomats about the income from bloggers over the whole world. Lanny and Bert inspired me to investigate how much passive income the Dutch bloggers earned every month.

A new series

With this post I will initiate a new series about the passive income from the Dutch bloggers. And with this post I hope to inspire more people to start making passive income. By starting to make passive income, you will take control of your live. Passive income gives you the freedom of time! I think that time is our greatest asset. In fact, time is far more valuable than money in my opinion.

When you let your money work for you (instead of you working for money) you will have the flexibility that comes along with not having to struggle to make ends meet at the end of the month. As long as you can ensure that your passive income outpaces your monthly expenses, you’re free to spend your time as you choose.

Passive income from the Dutch Dividend bloggers

Here is my May episode of the dividend Income from the Dutch Dividend Series.

Dutch Independence – € 112.29 A nice milestone for Dutch Independence, he crossed the € 100 mark with his dividends. Congrats on a great month.

Stashing Dutchman – € 112.29 – a great month with an impressive YoY increase of 37.35%

Financially in 10 years – € 26.14 Mr. Robot has a really great with a YoY increase of 113.74%

Tall investing – € 378.86 another great month for Tall investing with two great dividend increases in this portfolio.

Dividend compounder– € 179,90 with this passive income Dividend Compounder has a YoY increase of 869%! Yes you’ve read it correctly. An amazing increase, Keep up this good work!

Cheesy Finance – No summary form Cheesy Finance this month because he and his wife went on an amazing road trip (yes I’m a little bit jealous).

Pursuit 2 Freedom – P2F hasn’t put up a post since half April. I hope he will be back soon in our blogging community

Divnomics – Divnomics has taken a 3 months leave of blogging. I hope these three months will come to an end soon.

Polliesdividend – € 239.51 a really good month. I had a 10.4% YoY increase.

Finally

Congratulations to everyone who is included above, on a strong month!  You all work hard to deliver strong results and some impressive dividend growth rates.

We as Dutch Dividend Bloggers made an astonishing € 1,043.22 in dividend! What a great work we all did! (*Applaud*)

If you’re not included in the list above, just leave a comment below, and I will include you in the next post.

Cheers,

Pollie

The post May Dividend Income from the Dutch Dividend Bloggers appeared first on Polliesdividend.

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My book review of the Dutch book Hypotheek vrij!

It is important to keep educate yourself. Stephen Covey calls it Sharpen the saw.

To do this, I follow seminars and/or webinars, read books and blog posts from fellow DGI’s. This to gain new insights and of course learn something new. And because reading is FUN!

I read a lot of books, all kind of books. From biographies, management books to of course financial books. I really enjoy reading. This joy I hope to give to my kids! Reading books opens up a whole new life and you enrich yourself with new knowledge. What a great gift!

In my 2018 goals I wrote that I would read at least one book every quarter. And I will share my new knowledge with you, my readers. I will do this to keep the snowball of knowledge rolling.

Here is the Eleventh book review for Polliesdividend.

The Dutch mortgage problem

This time I will review a Dutch book, a book about repaying your mortgage. In the Netherlands we will have, in my humble opinion, a big problem in the near future. In the nineties more than half of all the mortgages in the Netherlands were Interest-only mortgages. This is not a big problem, if the owners of these mortgages have saved enough money to repay their mortgage or are willing to sell their house at the end of the duration of their mortgage. However research has shown that this is not the case.

The problem will only get worse in 2030, because from then on for most of these mortgages it isn’t possible anymore to have a tax deduction in The Netherlands. And the third reason why I think that we will have a problem is that these mortgages have a confusing name: a “No-repay-mortgage” (aflosvrije hypotheek). So there are people who actually think that they don’t have to repay their mortgages (Man we do need financial lessons in school!!!).

These three reasons combined, make me believe that we will have a problem. The house prices will drop significantly around 2030. Because a lot of people have to sell their house, just to repay their mortgages. And we all know the economic law that the prices will fall if the supply is large.

This is why I’m repaying a small part of my mortgage every year. I will be mortgage free when my tax deduction period ends. So no problem for me, but I got me thinking about repaying my mortgage faster. So I did some research and found this book.

Todays review is Hypotheekvrij! by Herman Hormann.

Hypotheekvrij – by Herman Hormann

Dit boek is geschreven door wat je inmiddels kan noemen een ervaringsdeskundige. Het is inmiddels al weer een aantal jaartjes oud, maar zeker de moeite waard om te lezen. Herman begint zijn boek door ons mee te nemen in zijn wereld op het moment dat hij er achter kwam dat het zo niet langer kan.

Dit boek laat zien dat door te starten met het aflossen van je hypotheek je toekomstige leven een stuk makkelijker kan worden. Eigenlijk investeer je hiermee in jezelf!

Herman beschrijft in zijn boek de weg die hij heeft afgelegd van kopen-kopen-kopen, inzicht krijgen in eigen financiële situatie, het afzien tijdens zijn bezuinigingsfase tot een duurzamer leven. Dit klinkt misschien vaag, maar dat is het boek zeker niet. Wel houdt de auteur ervan om over een groot aantal zaken zijn eigen mening uitvoerig uit een te zetten. Maar ja welke schrijver doet dit nou niet. In mijn ogen is dit niet te storend.

Collectieve mindfucks

Tevens laat hij een aantal “mindfucks” aan ons zien, die wij in de loop der jaren ons zelf hebben wijs gemaakt. Herman houdt de lezer een spiegel voor over hoe we op een bepaalde manier zijn gaan denken over een schuld hebben, hoe we naar de hypotheekrenteaftrek kijken en hoe we aan “luxe” zijn gewend.

Een voorbeeld van wat ik een collectieve mindfuck noem is dat je maar steeds blijft horen dat je optimaal moet blijven profiteren van de hypotheekrente aftrek. Natuurlijk is het fijn dat je een deel van je rente mag aftrekken, maar je blijft altijd het grootste deel zelf betalen.

Een aflossingsvrije hypotheek niet aflossen zorgt ervoor dat je na de rentevaste periode dubbele lasten krijgt, en tot je het loodje legt, verder ploetert om rond te komen.
Daarna gaat de schuld op je familieleden over. Waarna die met lege handen achterblijven

Conclusie

Leuk, makkelijk te lezen boek met interessante feiten, ervaringen en emotie dat onderhoudend is en zeker de leze aanzet tot nadenken. Het werkt motiverend om ook daadwerkelijk met aflossen aan de slag te gaan. Ik weet dit uit eigen ervaring. Vooral als je het ook visualiseert!

Na het lezen van dit boek, kan je een beter persoonlijk besluit nemen over je hypotheek en jouw eigen financiële situatie. In het boek staan een aantal tips die je meteen kan toepassen. Dit boek is voor mensen die durven om anders te kijken naar zaken. Het boek zet je aan het denken!

Pollie-rating

Mij Pollie-rating voor dit boek is:

Heb jij dit boek ook gelezen? Wat vind je van dit boek? Ben je zelf bezig met aflossen van jouw hypotheek en zo ja, waarom?

Ik hoor graag van je?

Cheers,

Pollie

The post Hypotheekvrij! – Book review appeared first on Polliesdividend.

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Month review of my Vrijheid Fonds

Yes it’s that time again! I get to post about my favorite topic, dividends!

I hope this post inspires other people out there to start saving and investing as soon as they can. The power you feel knowing that you are richer than you were yesterday and you didn’t have to work a minute for it, is a wonderful feeling.

June is history, and lets see what it brought. June is always a good month. It is the last month of the quarter and a lot of companies pay dividend in June. This is always a good month for my Vrijheid Fonds.

Dividend

Lets take a look at the numbers and tell you the status of my Vrijheid Fondsand report my passive income for this month. In total I received €455.73 ($532.76) in passive income. I had three dividend increases. Unilever raised its dividend with 8.0%, Johnson & Johnson with 7.1% and Southern Company with 3.4%. You have to love these kinds of increases.

If we take a closer look, the dividend was coming from:

Royal Dutch Shell (RDS) € 126.15
Bayer (BAYN) € 7.48 (sold my Rights *)
Unilever (UN) € 80.96
3M Company (MMM) € 8.90
Aflac (AFL) € 9.08
Archer-Daniels-Midland (ADM) € 9.99
Chevron (CVX) € 29.31
Johnson & Johnson (JNJ) € 29.44
McDonalds (MCD) € 15.42
Microsoft (MSFT) € 9.77
Realty Income (O) € 19.15
Southern Company (SO) € 21.81
Target (TGT) € 31.56
Wal-Mart (WMT) € 17.01
Mutual Fund € 17.35
Rabobank Certificate € 22.34

* In the beginning of the month I received 12 Rights (in Dutch: Claim Emissies) from my Bayer Stocks.  So for every Bayer stock I own, I got 1 Right. For more information about these Rights, read my post What to do with the Rights of Bayer?

Just before the closing of the deadline of the Rights, I sold my Rights. For more information about this Sell, just read my post Recent Sell – Rights Bayer AG – 2018. This proceeds of this sell has been written down as a special dividend in this post.

All these dividends together makes a total of €455.73, this is a 7.51% increase from last years June. Wow this feels good!

For an update of my Dividend Income click the hyperlink.
In 2018 I received a total in passive income of € 1,790.56

Vrijheid Fonds

If we take a look at my Vrijheid Fonds (Freedom Fund) we can see it was a good month. My total portfolio value at the end of June is €97,526, whichis an increase of 1.77% over last month (€ 95,832). I again donated € 400.00 of fresh capital to my Vrijheid Fondsand I bought € 223 worth of mutual Funds for my “Safe-haven-sleep-well”part of my Vrijheid Fonds. This month I invested my side hustle income from my Members board expenses (€ 90).

This month I purchased 24 stocks of Consolidated Edison. For my analysis Pollie-style see my post on Consolidated Edison. For more information about my new buy, see here

Again this month I made a nice step in my journey.

How was your month? Did you receive more dividends than last year? I like to hear from you.

Thanks for reading!

Cheers,

Pollie

Note:

Because all figures I give are in Euro’s. And because the exchange rates is not constant (duh…) my passive income changes per month (even if the dividend stays the same). For the record: I only post my passive income from dividend the month I received it on my brokers account. And it is after taxes.

The post June 2018, Month review of my Vrijheid Fonds appeared first on Polliesdividend.

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A new buy for my Vrijheid Fonds.

This week I made my fourth buy in 2018 for my Vrijheid Fonds.

After my analysis of Consolidated Edison, I decided to pull my buy-trigger. If you haven’t read my analysis, please take a look at this post about Consolidated Edison (ED) Stock Analysis Pollie Style – 2018.

Purchase

This week I bought 24 shares of ED at $77.58 per share (incl. fees).

With this buyI added a little bit more than €25 (after taxes) of dividend to my Vrijheid Fonds for this year.

The projected dividend income for 2018 for my Vrijheid Fondsis €3,461.

Again a small step in my journey. And one-step closer to my goal.

Has anyone else invested in this company recently? Feedback is greatly appreciated!

Cheers,

Pollie

Disclaimer: I’m not a registered investment adviser, investment professional, brokerage firm or investment company. Readers are advised that information on the website is issued solely for information purposes and not to be construed as an offer or recommendation to buy, hold, or sell any securities. All information, opinions, and analyses included are based on sources believed to be reliable, but no representation or warranty is made concerning accuracy, correctness, timeliness, or appropriateness. Please consult with an investment professional before investing any of your money.

The post Recent buy – Consolidated Edison – June 2018 appeared first on Polliesdividend.

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