Saturday, October 12, 2019

Recent buy: MO, ADP, GIS, SYK, T, D

I added the following to my taxable account on 10/10 (Thursday).

I now only add to my taxable account as I do not use a 401k with my new employer. I rolled my original 401k with previous employer to a self managed IRA with the same broker I have for my taxable account, so both accounts basically are "one" account, easier to manage. And I can just walk in the same branch and get all the same job done.

I have not contributed to the Roth IRA for many years now since the $5-6K or so annual contribution limit is small compared to the contributions I do to my taxable account. So the extra paperwork, doing the backdoor Roth IRA, and managing multiple accounts is not worth it.

I also want to be able to use my money whatever way I like before old age, so I chose to pay taxes instead of delaying everything. Anyways, below is the purchase list. I tried to mix higher growth stocks with low dividends with high dividend slow growth stocks to balance things out.

Order Date   Trade  Action  Security  Quantity  Buy Price Total Invested
10/10/2019 10:46 AM ET  Buy   MO  30 $43.25 $1,297.35
10/10/2019 10:49 AM ET  Buy   ADP  6 $158.88 $953.27
10/10/2019 11:04 AM ET  Buy   GIS  13 $54.59 $709.66
10/10/2019 11:05 AM ET  Buy   SYK  2 $210.80 $421.60
10/10/2019 11:07 AM ET  Buy   GIS  10 $54.60 $545.99
10/10/2019 11:14 AM ET  Buy   SYK  10 $211.40 $2,114.00
10/10/2019 11:15 AM ET  Buy   T  30 $37.50 $1,125.00
10/10/2019 11:15 AM ET  Buy   D  5 $81.27 $406.35

Friday, October 11, 2019

September 2019 Dividends Received

Below are the dividends I received in September, close to $1800. All of this amount was reinvested back to keep the snowball moving.
It is a new high, and the dividends are pushing ever forward. The snowball looks to be set in motion.

Right now, the overall Portfolio is outputting  $19,518 USD a year after several recent additions. It is getting close to the $20K mark.

Ticker      Total    Taxable         401k
JNJ $251.94 $246.16 $5.78
PEP $210.73 $177.78 $32.95
HD $195.35 $156.75 $38.60
NEE $178.74 $134.44 $44.30
MMM $148.05 $121.73 $26.32
D $138.22 $86.54 $51.68
WEC $130.53 $114.36 $16.17
BDX $77.76 $77.76
O $72.45 $72.45
V $59.60 $45.81 $13.79
MCD $55.59 $55.59
ROST $54.64 $54.64
TJX $49.27 $49.27
BA $45.47 $45.47
MSFT $45.05 $20.02 $25.03
CHD $44.27 $29.62 $14.65
HON $39.25 $39.25
INTEREST $0.37 $0.37
$1,797.28 $1,455.56 $341.72

Monday, September 30, 2019

August 2019 Portfolio Summary

Will post this summary using data as of end of September, a bit behind on my reporting. Will make this short and keep it more visual than text.

Portfolio has been moving up and down around the $750K range for a while. A lot of turmoil in the Sino US trade war, which affects investor optimism. The $1M mark is coming closer, however it will still require a lot of work to get there. I am not sure if I can reach it, but it doesn't really matter, I will just push the goal out another year. It doesn't matter if I hit it one year faster or slower. The goal is the very long term, many decades out. After my first $1M I will shoot for the next million, and eventually each million becomes progressively easier to obtain, and my goal will then be $10M.

August 2019 Dividends Received

Was too busy to post this earlier. August dividends are listed as below.
September is coming to an end as well, will post that report soon.

Ticker      Total    Taxable         401k
T $247.43 $247.43
CLX $170.40 $170.40
PG $125.23 $113.88 $11.35
APD $118.01 $118.01
GIS $83.19 $45.59 $37.60
CL $80.57 $67.95 $12.62
O $72.23 $72.23
SBUX $57.35 $44.99 $12.36
GD $46.73 $46.73
ABT $36.95 $36.95
MA $31.16 $15.63 $15.53
INTEREST $0.61 $0.61
$1,069.86 $908.17 $161.69

Recent buy: T and CLX

The following amounts were added to my portfolio today:

CLX: $1519
T: $1476

I have $10K sitting to invest, so will decide what else to add.
My annual dividends now is at $19,247. It is getting very close to the $20K a year in dividend income mark.

Thursday, August 29, 2019

July 2019 Portfolio Summary

The July review is a bit late, not so much free time this month.
I'll post what happened as of 8/30/2019.

The S&P500 has pushed through the 3K barrier a few weeks ago. Recently stocks have retreated from the highs and are bouncing at some resistance levels below the 3K peak. The trade war with China has escalated, and this is creating uncertainties for many industries that rely on business in China or need goods supplied from China.

Saturday, August 3, 2019

July 2019 Dividends Received

July has ended. And here are the results for dividend income collected. I collect these dividend payments like a landlord will collect his rent checks every month. And then I put the cash to work by reinvesting them in more shares. And the cycle continues. There's not much action or excitement or get rich tricks here, just a very repetitious and regimen-like, boring, but consistent, way of life. Kind of like watching paint dry.

Ticker      Total    Taxable         401k
MO $507.46 $436.84 $70.62
PM $442.26 $387.97 $54.29
KMB $135.97 $93.38 $42.59
XEL $134.52 $134.52
KO $114.07 $114.07
ITW $110.78 $89.64 $21.14
ADP $76.90 $76.90
MKC $72.73 $48.70 $24.03
O $71.54 $71.54
MDT $40.77 $40.77
SYK $35.16 $30.47 $4.69
INTEREST $1.65 $1.65
$1,743.81 $1,454.91 $288.90

Tuesday, July 23, 2019

Recent buy: MMM, GIS, CLX, MO ...

$15,183 USD got put to work today. The cash position was growing too large.
The load is the following:

Description  Type  Symbol/ CUSIP  Quantity  Price  Amount 
Buy AT&T INC  4 $32.01 ($128.04)
Buy AT&T INC  1 $32.02 ($32.02)
Buy REALTY INCM CRP MD PV$1. REIT  2 $69.28 ($138.56)
Buy AUTOMATIC DATA PROC  ADP  5 $168.22 ($841.11)
Buy TJX COS INC NEW  TJX  10 $54.60 ($546.00)
Buy ABBOTT LABS  ABT  10 $88.48 ($884.80)
Buy GENL DYNAMICS CORP COM  GD  9 $185.21 ($1,666.89)
Buy ROSS STORES INC COM  ROST  10 $106.57 ($1,065.70)
Buy PHILIP MORRIS INTL INC  PM  10 $86.33 ($863.30)
Buy ALTRIA GROUP INC  MO  10 $50.14 ($501.40)
Buy COLGATE PALMOLIVE  CL  12 $72.22 ($866.64)
Buy COCA COLA COM  KO  20 $54.22 ($1,084.40)
Buy KIMBERLY CLARK  KMB  8 $134.85 ($1,078.80)
Buy CLOROX CO DEL COM  CLX  20 $163.84 ($3,276.80)
Buy GENERAL MILLS  GIS  15 $52.48 ($787.20)
Buy 3M COMPANY  MMM  8 $177.67 ($1,421.36)

Some of the purchases are good value, and yield higher. Some are lower yield, more expensive, but have very high growth rate. So I balance my portfolio with both. Since I'm young, my portfolio is more tailored to higher growth less high yield. I am looking for dividend and capital gain growth. The dividend, I can tailor later on for more income as I am older.

The portfolio's total dividend income per year shot up a few hundred. It now sits at $18,793
So close to the $20K barrier! This will be a big milestone, trying hard to achieve it soon.

Cash position sits now at $6842. The cash position will grow back up again soon, and I can again deploy it again. Hopefully by that time the market is at a lower point.

Happy Investing

Saturday, July 13, 2019

June 2019 Portfolio Summary

The S&P500 has been increasing. Right now, this is a high quality problem. On one hand, since my portfolio is around $730,000 the capital gains is large. However, it makes it very hard for me to add additional shares to my portfolio to raise my dividend income. I am not a fan of overpaying and as a result my cash position has slowly been growing. Right now I have around $20,000 in cash and am trying to find a way to deploy it.

Monday, July 1, 2019

June 2019 Dividends Received

June was a very good pay day. There was a large diverse bunch of companies that paid in June. $1750 is already a good amount to pay for monthly bills.

The purpose of this portfolio is to build and grow passive income. The sky is the limit to how big this income stream can be built to. Time is a very important resource in investing. To take full advantage of my situation, I started investing very early to get a snowball rolling.

Friday, June 21, 2019

May 2019 Portfolio Summary

May 2019 summary update.

I wanted to start off my post to give some background for new readers, what this site is for and what I am trying to do here. My investing started back in 2009. Back then my investing experience was not great and that time was also a quite dark period. During that time I also worked for very little and had to pay my bills, so it got me to appreciate the value of a dollar. Lack of money was a challenge when I was a kid and young adult, back then I did not have control of finances as I was not the income earner. I promised my future self to find a way to not have this problem when I get older. Over the years, especially when I graduated and became working full time in a real job, my investing style and philosophy began to mold into a certain style. I ended up investing to generate more income and the growth of income. I own businesses not to sell them in the future, my goal is to own high quality businesses that output cash forever. I think only when one invests hard earned cash and sees certain strategies fail and others work, one will eventually develop their own "flavor" or style of investing. The investing style on this site is one I have tailored over 10 years (from a teenager to a young adult) to fit my risk tolerance, personal style, and investing beliefs.

My youth investing and lifestyle was heavily influenced by Buffett (his middle to late age style) and his partner Munger. Buffet, his logical nature, his thought process, and culture, is someone I looked up to and helped shape my early life. Munger's early struggles as a young adult and his ability to overcome them also helped encourage me to move forward. Buffett's early days were more of a buy very low and flip companies style, or buy below book value and liquidate inventory and layoff people and sell for profit. However I prefer his approach after his fund size became too large to buy and flip as it is less manual and more long term, I prefer buying in high quality and holding for life. I like to buy high quality companies that are cashflow rich and use those excess cash to invest in more high quality businesses. It is hard in today's information technology internet age to find undervalued companies below book value, and since I have a very busy full time job I cannot participate actively and micromanage my investments so I need a more passive long term approach.

I also have a goal to make a million dollars by the time I am around 30. Buffet similarly declared in the year 1941, at the age of 11, that he would be a millionaire by the age of 35. He eventually crushed this goal ahead of schedule and easily became a millionaire at age 30, although those dollars back then are valued more today than in the past, the 7 figure "double comma club" goal has always been a dream target when I was a kid. I always wanted to be a millionaire. Now, it looks that goal is getting closer and closer.

My primary purpose to invest is independence and freedom. I do not want more money to buy more things. I actually do not have much material desire in life, no desire for a nice car, fun vacations, nice houses, clothes, toys or things. I like making money to make more money, which to many probably looks like a pointless cycle, but I enjoy building and continuously building things, and in this case I like building and maintaining a system that outputs cash. I like seeing my work produce results and improve over time, I like seeing progress and improvement over time. Having more money is like having a bigger shovel, eventually more work and output can be produced. In the beginning I have to start with a small spoon, but over time I can purchase a shovel, and then a pickup truck, and then an 18-wheeler, and then a Caterpillar 797 powertrain hauler, etc.

The one thing I value most of money is the opportunities and enablement money provides. Money allows me to be able to do what I want when I want, it allows me to manage my own schedule, it allows me to say no on something I do not believe in, it allows me to execute on what I believe in without pressure. Money allows me to care for the people I care for, it provides opportunities for people other than myself to better their lives. Without money, one often has to do things one does not want just to survive and that is not how I want to live.

Thursday, June 13, 2019

Recent buy: MKC, MSFT, ROST, V, T, WEC, etc

The following shares were purchased today to increase dividend income. My cash horde was getting large, so time to let some go.

Type  Symb. Qty Price  Amt [USD]
Buy MC CORMICK NON VTG  MKC  3 $156.46 ($469.38)
Buy MICROSOFT CORP  MSFT  5 $132.06 ($660.30)
Buy ROSS STORES INC COM  ROST  5 $100.43 ($502.15)
Buy ILLINOIS TOOL WORKS INC  ITW  4 $151.63 ($606.52)
Buy COCA COLA COM  KO  10 $50.96 ($509.60)
Buy AT&T INC  12 $32.22 ($386.64)
Buy WEC ENERGY GROUP INC SHS  WEC  10 $83.29 ($832.90)
Buy AUTOMATIC DATA PROC  ADP  6 $163.83 ($982.98)
Buy VISA INC CL A SHRS  7 $168.89 ($1,182.23)
Buy STARBUCKS CORP  SBUX  12 $83.21 ($998.52)
Buy MCDONALDS CORP COM  MCD  8 $203.99 ($1,631.92)
Buy CLOROX CO DEL COM  CLX  8 $155.56 ($1,244.48)

Total invested is around $10,000 in cash.