Tuesday, August 27, 2019


It has been 3 years since my last update.  I had decided to scale down on blogging and focused on generating additional income. The goal was to increase future passive income and reach financial independence.

After 3 years, my yearly passive income covers most of my expenses. 

Passive Income Breakdown:

Post Tax:
CDs & Others = $17.7k
Investing Account = $6.5k
Others = $2k

Pre Tax:
401k (1) = $15.5k
401k (2) = $6k
Rollover (1) = $3.5k
Rollover (2) = $1.5k

Basically, more than $50k passive income.

Now, I am at a crossroad. I can either go full blown FIRE or continue work. If I do work, it will definitely be on jobs that I want to do. I also notice that with FIRE, my strategy going forward must change. Now, I need to look into Safe Withdrawal rates and the import of Sequential Risk. 

While I think dividend growth investing is a pretty good strategy, I also realize that index investing can also work quite well. DGI works really well if you reinvest your dividends, but if you start using the dividends for your daily expenses, then the growth will be simply based on dividend growth and capital gain. Also, my experiment with a market wide index showed that my index fund had similar gain and sometimes outperformed my basket of DGI stocks. 

There are additional strategies such as leveraging/rebalancing taxable income so that you qualify for the subsidies of the Affordable Health Act. Moreover, to access pre-tax investments, there are tricks using Roth Conversion ladders since I have many years until 59 1/2, and my pre-tax pool is quite large.

Anyway, I'm done for today. Maybe a few more years until my next update!

Also, I fixed my spreadsheet tool.


Sunday, September 4, 2016

Recent Purchase - FLO

When the market is trading near its all-time high, it’s difficult to find good deals. Companies that are beaten up are normally where they should be. With the string of bad earnings results and the lawsuit from their truck drivers, Flower Foods (FLO) is certainly beaten up. However, I decided to initiate a new position with FLO. I see some potential in terms of dividend growth, FCF and yield. It's relative risk grade is right at 1.7 - which is below my 2.0 threshold.

Details of my Transaction


Wednesday, August 3, 2016

Recent Purchase - VFC

I recently posted my August considerations for DGI investments. Well, I didn’t wait too long. Nope, not AMGN, ABBV nor GILD. Still waiting for these to drop a little more :)

Today, I bought 26 shares of VFC. This time, I bought it in my taxable sharebuilder’s account. (It’s definitely good to be able to buy using both accounts.)

$1562 (+fees)

The dividends per share is $1.48 which is around 2.47% yield. This purchase increases my forward yearly dividends by $38.48.

Nothing much changed about VFC since the last time I bought it in April. You can read more of my analysis of the VFC, valuation and risks here: https://div4son.blogspot.com.co/2016/04/recent-buys-tax-deferred-vfc.html

My strategy when I first bought VFC is to average down when the price dips. I think this is likely in this heated market.

My next purchase point will be when VFC hits the mid 50s.

What do you think of VFC?


Monday, August 1, 2016

August Considerations

Below are 3 companies with my criteria checklist that I am considering for August. Actually, I wanted to buy a couple of them in July, but the prices crept slightly over my buy zone. If there is a pullback, I will definitely consider adding them to my portfolio in small chunks.

Amgen is a biotechnology company that engages in developing, manufacturing and delivering human therapeutics for the treatment of illness in the areas of oncology/hematology, cardiovascular, inflammation, nephrology, and neuroscience.

Saturday, July 30, 2016

July Summary

The first month of the quarter is usually a quiet month for me in terms of dividend income. July is following the same trend. I can’t complain though. The cash is coming in with no efforts from my part.

The market continues to be hot. Again, it has been difficult to find companies trading at fair value or below. I still try to invest though.

Anyway, here’s a summary of the articles I’ve written this month.

Okay - let’s go to the good stuff….

Taxable Account

In my sharebuilder taxable account, I only managed a couple of trades this month. It’s not good, but the market is not cooperating.

Security ID
Net Amount


Friday, July 29, 2016

Recent Purchase - DIS

I wanted to buy UTX and ABBV this week - but I ended adding to my DIS position - this time in my taxable account.

Here’s my transaction.


I wanted to wait until the low 90s to buy more DIS, but sometimes, you don’t always get what you want.

For those who are interested, you can read my original purchase here:

Nothing really changed except a slight dip in the price.

Did you buy anything this week?


Disclosure - Long DIS, UTX

Wednesday, July 27, 2016

Implementing my DGI Strategy

It’s always good to have a strategy for investing. This article gives a brief summary of how I had implemented the necessary checklists and tools to make my job of investing DGI stocks easier.

First, a bit of history...

I’ve been a passive investor for a long time via my mutual funds in my tax-deferred 401k. This required not much work from my part. All I had to do was to choose my allocation and regularly invest using a portion of my paycheck. I reallocated once a while and that’s it. All good, right? No - the fees were high. At least for me.

Of course, if your 401k plan allows for a market wide fund with very low fees, then this may be an option especially if you don’t have the time. Essentially, I was paying for someone to actively invest companies in the index.

Around 2 years ago, I started dividend stock investing for my taxable account. I did a lot of reading and researching over the summer of 2014. For sure, it isn’t a strategy for everybody - but it made sense to me. The thing about a 2-4% dividend is that over time, the dividends will provide you a layer of protection against loss. Of course, it is not 100% protection, but it give you protection against 20-40% dips in the market. How? It’s simple, 3% over 10 years means a 30% buffer. It’s slightly more the dividends are reinvested and compounded, but I like simple math.

Plus, after retirement from work, the dividends can be used as income source without touching the principle.Hopefully, extra income can be reinvested to continue the compounding machine.

Regardless of dividend stocks and mutual funds, there are investing steps that I believe everyone should follow:

Friday, July 22, 2016

Recent Buy - TIF

The market is very difficult. There are not many companies to buy. Times like this are scary!
After going through my screen, Tiffany & Co showed up. Actually, it showed up before, but I didn’t want to increase my consumer retail space. Still, I wanted to continue my investments in good quality dividend paying companies. Yesterday, I bought some shares in Tiffany and Co (TIF).

Est. For Dividend