Tuesday, January 5, 2016

December Summary



I must apologize for the tardiness of my December Summary - I was on vacation for the last couple of weeks. Overall, it has been a quiet month for me in terms of articles written as well as my investments. 

Please check out my articles last month:


I only managed one trade on my taxable account and a couple on my 401k tax-deferred account.


Taxable Account


Just one purchase. The reason is because I need to save for my property tax and insurance bill which are due in January.


Date
Transaction
Ticker
Price
Quantity
Amount
Dividends/Year
Est. For Dividend
12/1/2015
Buy
YUM
73.85
13.49
996.05
1.84
$24.82




Total
$996.05
Total
$24.82



So, not much change for the charts below.

Company Diversification



Sector Diversification


Dividend Income


Here’s the good news. I received over $400 in dividends!

Date
Transaction
Ticker
Dividends
12/1/2015
ReinvDiv
CMI
9.75
12/1/2015
ReinvDiv
AFL
11.7
12/7/2015
ReinvDiv
IVZ
18.88
12/8/2015
ReinvDiv
JNJ
33.09
12/9/2015
ReinvDiv
ADM
7.28
12/10/2015
ReinvDiv
EMR
52.52
12/10/2015
ReinvDiv
UTX
16.71
12/10/2015
ReinvDiv
XOM
42.5
12/10/2015
ReinvDiv
UL
22.35
12/14/2015
ReinvDiv
MMM
20.65
12/15/2015
ReinvDiv
DOV
26.82
12/15/2015
ReinvDiv
MCD
17.36
12/15/2015
ReinvDiv
KO
41.04
12/18/2015
ReinvDiv
NOV
16.3
12/30/2015
ReinvDiv
UNP
33.3
12/30/2015
ReinvDiv
TROW
32.81


Total
403.06


Here’s a graph showing the dividends per month. Clearly, I am heading in the right direction.
Estimated Forward Dividends


My forward estimated dividends is $3330.


Taxable Account Summary


Though I am seeing a slight paper loss in my account, I am pleased with the forward dividends and the est. yield rate.


Summary Totals
Total Valuation
92,964.20

Total Cost
95,804.74

Total Gain
-2.96%

Est FW Div
3329.88

Est Yield
3.48%

401k Tax Deferred Account


Again, my apologies for the lack of detail. I just started adding the DGI option in my 401k account in November. For now, I will just detail the transactions until I get several months of data of investments and dividends.


The details of my purchases in December are shown in the table below. This is not fresh capital since I am reallocating funds inside my 401k. Based on the transactions, I expect an addition of $228 to my yearly dividends. The previous fund was primarily focused on capital appreciation. (Some provide divdends, some capital gains)


Transaction
Ticker
Price
Quantity
Amount
Dividends/Year
Est. For Dividend
Buy
EV
31.49
118.00
3715.82
1.06
$125.08
Buy
MMM
149.00
25.00
3725.00
4.10
$102.50



Total
$7,440.82
Total
$227.58

401k Tax Deferred Summary


Total Valuation
TBD
Total Cost
$16,668.92
Total Gain
TBD
Est FW Div
$513.58
Est Yield
3.08%


I will update the valuation and gain numbers once I have a few more months of data.


Summary


The $400 dividends I received this month in my taxable account is hard cold cash that will take care of all my household bills. I just need to find some cash for food and I am set ;)


Just think about it, I was on vacation enjoying the time with friends and family and I received $400 - for doing nothing!


Overall, my forward dividends are $3300 for my taxable account and around $500 for my tax deferred. Once I start adding my 401k Mutual Fund numbers (not shown) and my interest from my savings/emergency fund (not shown), ROTH numbers (not shown) and IRA numbers (not shown), I am actually in a pretty good position (more than enough to cover my food expenses!). Does this mean I have crossed the FI point? :)


At the moment, I am trying to figure out how to show all my passive income (Taxable, Tax Deferred, ROTH, IRA, Bank) - but this will dilute the purpose of the blog - which is dividends related and how I can pass my knowledge and experience to my son.


So, a very good month for me…. how was your December?

D4s

6 comments:

  1. Congrats on the dividend income. That money can be ploughed straight back into investments to compound. Always good to see income updates. Keep it up!

    R2R

    ReplyDelete
    Replies
    1. Thanks R2R, yes I am reinvesting all the dividends to grow the snowball. I've just transferred another chunk from my 401k to convert over to DGI stocks. I plan to buy established companies with this pile. Looks like we have a dip coming up int the next few weeks so looking to deploy more capital.
      D4s

      Delete
  2. D4S,

    Nice work, love the reinvestment and the forward outlook that you have pictured above! You are well on your way to freedom - even during the time for holidays and saving for those pesky costs of owning a house in property taxes and insurance, you still managed to deploy $1K to the market. N I C E work - keep it up, and lets get after the 2016 year!

    -Lanny

    ReplyDelete
    Replies
    1. Thanks. Property taxes are pains but a necessity for home ownership. It is holding me back for this month on my regular investments. Hopefully, I can resume my investing approach this month in Jan.
      D4s

      Delete
  3. Nice work Div4son! Over $400 in dividend income is very solid. What's better is the fact you add more capital in your portfolio. Keep up the great work!

    ReplyDelete
    Replies
    1. Tawcan, thanks for you support! I should be ready to start investing again in my taxable account now that Ive saved enough for my taxes and insurance. Hopefully, i can repeat my regular investing to smooth out the market.
      D4s

      Delete