Sunday, April 3, 2016

Feb and March Update



It has been a while since my last blog.


February and March have been tough. First, I had some roofing problems which caused some major issues with my new insurance company. It took a few inspections, and lots of time and money to resolve. I had some relatives come by, and hosting took quite a lot of time. Last of all, I've been really sick. I am not sure what it is, but it took me out for a few weeks. And through it all, work was crazy. And I just replaced my whole HVAC for my home during March.


Therefore, not much time to write - let alone think.


I wonder though how many of us can withstand a $15k hit and still continue as if nothing happened. It's really good to be financially healthy.


Investing wise, things are quiet as I have been saving to pay my taxes. The insurance mess didn't help. The roof didn't help. And now the AC. So I do not expect much activity until I rebuild my emergency fund/war chest. I did manage one trade in my taxable account in February. The other thing I started is the inclusion of two mutual funds in my tax-deferred account. Check out the details below.


Anyway, this is my February and March Update.



Taxable Account Updates for Feb and Mar 2016


Just one buy - too much expenses for 1Q of this year - so I need to rebuild my emergency fund.


Date
Transaction
Ticker
Price
Quantity
Amount
Dividends/Year
Est. For Dividend
2/11/2016
BUY
AFL
$55.90
27
1509.2973
1.64
$44.28




Total
$1,509.30
Total
$44.28


So, not much in terms of changes in my portfolio.


Company Diversification




Sector Diversification




Dividend Income for Feb and March


Date
Action
Security
Price
Quantity new shares
Div Rcd and Reinvested
2/1/2016
ReinvDiv
DE
77.03
0.1602
12.34
2/1/2016
ReinvDiv
VZ
49.97
0.6138
30.67
2/1/2016
ReinvDiv
GIS
56.51
0.2833
16.01
2/1/2016
ReinvDiv
T
36.06
0.9615
34.67
2/5/2016
ReinvDiv
YUM
72.35
0.0857
6.20
2/16/2016
ReinvDiv
ABT
37.14
0.1831
6.80
2/16/2016
ReinvDiv
PG
80.99
0.6608
53.52
2/22/2016
ReinvDiv
CAT
65.42
0.6588
43.10
2/23/2016
ReinvDiv
HCP
28.97
0.921
26.68
2/26/2016
ReinvDiv
FAST
45.07
0.446
20.10




TOTAL
250.09


Date
Action
Security
Price
Quantity new shares
Div Rcd and Reinvested
3/1/2016
ReinvDiv
AFL
59.53
0.1979
11.78
3/1/2016
ReinvDiv
CMI
97.52
0.1009
9.84
3/4/2016
ReinvDiv
IVZ
28.60
0.6654
19.03
3/8/2016
ReinvDiv
ADM
37.14
0.5751
21.36
3/8/2016
ReinvDiv
JNJ
106.72
0.3123
33.33
3/9/2016
ReinvDiv
UL
44.13
0.4897
21.61
3/10/2016
ReinvDiv
UTX
96.61
0.1742
16.83
3/10/2016
ReinvDiv
XOM
82.39
0.5208
42.91
3/10/2016
ReinvDiv
EMR
50.06
1.0597
53.05
3/14/2016
ReinvDiv
MMM
161.83
0.1391
22.51
3/15/2016
ReinvDiv
DOV
62.34
0.4331
27.00
3/15/2016
ReinvDiv
MCD
122.91
0.1423
17.49
3/28/2016
ReinvDiv
NOV
31.15
0.5303
16.52
3/30/2016
ReinvDiv
TROW
73.90
0.4643
34.31
3/31/2016
ReinvDiv
UNP
80.56
0.4162
33.53
3/31/2016
ReinvDiv
BBL
23.04
0.5946
13.70




TOTAL
394.80
There you have it…. Even when you’re sick, my “little workers” are churning out close to $650 for the last two months. I didn’t even have to lift a finger to get this cash coming in.

Estimated Forward Dividends


My forward estimated dividends is $3453.



Taxable Account Summary


Summary Totals
Total Valuation
104,483.21

Total Cost
98,831.64

Total Gain
5.72%

Est FW Div
3453.73

Est Yield
3.49%


The market has rebounded. In January, I was looking at a 3% loss. Now, I have a 5.7% gain. The total should fluctuate - so I am not exactly jumping up and down with the gain.


401k Tax Deferred Account Update for Feb and March


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


A few developments here:
  1. I transferred FRESX (Fidelity Real Estate Investment Portfolio) from my nontaxable account since it provides regular investments.
  2. I liquidated and transferred $50k capital from my nontaxable account and added VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)
  3. I also liquidated just over $100k capital my nontaxable account for DGI investing.


For 1), the purpose is to track the dividends generated from this existing fund. The 2), I wanted to experiment and compare the gains of a market wide index based mutual fund with my dividend portfolio. More on this in future articles! For 3), I ran out of capital in January - so I just transferred more cash over to slowly invest and build up my 401k DGI portfolio.


Purchases this Period


None


Dividends this Period


Date
Security ID
Net Amount
02/12/2016
EV
31.27

TOTAL
31.27


Date
Security ID
Net Amount
03/07/2016
FRESX
10.83
03/08/2016
JNJ
26.25
03/08/2016
ADM
30.00
03/09/2016
UL
-0.38
03/09/2016
UL
24.72
03/14/2016
MMM
47.73
03/15/2016
VTSAX
245.39
03/15/2016
HSY
26.24
03/30/2016
TROW
27.00

TOTAL
437.78


At the moment, it seems my mutual funds are reinvested while my DGI stocks are not. I need to check how to change this.


401k Tax Deferred Portfolio


Symbol
Asset Classification
Quantity
Price
Market Value
ABT
EQUITY
50.00
$42.19
$2,109.50
ADM
EQUITY
100.00
$36.47
$3,647.00
DEO
EQUITY
30.00
$107.46
$3,223.80
EV
EQUITY
118.00
$33.86
$3,995.48
FRESX
MUTFUND
570.012
$43.01
$24,516.22
CASH
CASH AND MONEY FUND
102,237.85
$1.00
$102,237.85
HSY
EQUITY
45.00
$93.71
$4,216.95
JNJ
EQUITY
35.00
$109.19
$3,821.65
MMM
EQUITY
43.00
$167.53
$7,203.79
TROW
EQUITY
50.00
$73.95
$3,697.50
UL
EQUITY
75.00
$45.10
$3,382.50
VTSAX
MUTFUND
1,053.572
$51.33
$54,079.85
WMT
EQUITY
65.00
$69.06
$4,488.90


Equities based DGI Stocks




After liquidating some of my “capital gains” based mutual funds, I am sitting with over $100k in cash in my 401k account, ready to deploy. But I am not in a rush. I will buy when the opportunity arises.


Summary


I’ve taken a beating this last two months in terms of expenses. I think after my tax-bill is paid (mid April), things should be smoother. I am glad that my dividend income is growing. $650 in my taxable and $470 in my tax deferred for February and March combined! This is not bad considering I was out of action for several weeks due to illness. If my company didn’t pay me when I was out of work, then this can provide a safety net.


How was your March?


D4s

8 comments:

  1. Things always comes up eh D4S. Not just you but all of us bro so we understand. Glad you're feeling better and things are getting back on track. No biggie. It's nice seeing all them dividends rolling in while you were recovering eh bud? That's Passive Income at it's finest :)
    Keep your head up and Push forward. Cheers my friend.

    ReplyDelete
    Replies
    1. Thanks Div Hustler. It is definitely nice to see the dividends coming in without doing any work. The key is to put in the effort to save and invest early - and it's really just on autopilot.
      D4s

      Delete
  2. Long time no hear friend! Glad to see your money is still working for you when times are tough. Happy to hear things are getting back to normal somewhat for you. Take Care.
    -Adam

    ReplyDelete
    Replies
    1. Thanks Adam. Hopefully, the 2Q - 4Q are much better. I'd like to invest if possible. It looks like your March is very impressive also!
      D4s

      Delete
  3. Good to see you back. Awesome price on AFL and great dividends.

    ReplyDelete
    Replies
    1. Thanks. I was lucky with AFL, but now the opportunities are fewer.
      D4s

      Delete
  4. Nice job being able to take such a hit and still be standing on your feet. Congrats on the dividend income, good luck for the next months :)

    Tristan

    ReplyDelete
    Replies
    1. Thanks! I think I am still standing is because I have a very healthy emergency fund. I had to dip into it for the first few months of this year. I am close to refilling it to my desired level so now, I will be looking for opportunities to invest.
      D4s

      Delete