Friday, April 26, 2019

March 2019 Portfolio Summary

This is a bit of a late post for March. I will summarize how my portfolio looks as of 4/20/2019. I will not put much market commentary in this summary as frankly I did not have as much time to research stocks in the last 6 weeks. I just let my portfolio run on its own and reinvested the dividends. The purchase a few days ago was done more on an equal spray across various high quality positions I always had liked. So there was no real market timing related decisions in my recent purchase. I make purchases more on a dollar cost average style, instead of timing, as timing the market has not worked well in my favor. Over time I buy when the market is high and low and the timing averages out.

Stocks are rarely sold in my portfolio. Once a position is bought, I just receive the dividend and reinvest it quickly. Cash when available in my bank account is deployed when it crosses a certain threshold (i.e. $15K) beyond what I deem a reasonable emergency fund. My condition for selling is mainly when the dividend is in jeopardy or when it's cut, examples in my past include KHC (a food company) and KMI (a pipeline company).

The overall portfolio is climbing steadily since the start of this year. My job assignment has changed in the last few weeks, and at the moment I no longer have to pay housing expenses as I am moving between multiple international sites and living in hotels or temporary locations. This helps increase my contributions quite significantly as all this after tax income is saved for dividend stocks (I used to live in California area which is expensive). Many will spend this extra money if they no longer have to pay for housing, but for me I will use this opportunity to increase my portfolio instead of buying a new car or toys.

The portfolio is going to break $700K soon. This progress comes with high percentage contribution from my salary, dividend reinvestment, saving money from no longer having to pay rent, and the market continuing to move higher. Right now my portfolio contributions are all directed to my taxable account. I no longer use my 401k account as the benefits are not so good now for me. And I want to be able to use my cash and dividend income freely whenever. Retirement age is too far away for me so I rather put all my wealth in taxable accounts.




Recent contributions in April have raised dividends up to $17.7K a year.  This year I believe $20K+ is achievable which starts making me feel very independent. At that level, I am earning more than I earned doing minimum wage in college to pay tuition, food, and rent bills. With $20K+ (and growing 10% a year by itself), I no longer have pressure to keep my job or work on something I do not enjoy, just so I can get that paycheck. The freedom to have control of my decisions is what building this portfolio is all about.


Below is a breakdown of the portfolio. There are now many positions in the 5 figure category. Tobacco have lagged in performance for many months, as a result MO and PM are no longer in top spots in my portfolio. Visa is performing very well and is now #1, despite it being a low dividend yield. A large chunk of my Visa size is due to its own growth.

Name Ticker Sector       Value   Weight        Divies      Yield S&P Fin VL Fin VL Safety
Visa Inc V Financial $37,004.42 5.46% $231.05 0.6244% A+ A++ 1
Johnson & Johnson JNJ Health $36,225.70 5.34% $948.32 2.6178% AAA A++ 1
Altria Group Inc MO Staples $33,989.42 5.01% $2,000.48 5.8856% BBB B++ 2
Philip Morris International Inc PM Staples $32,777.51 4.83% $1,769.03 5.3971% A B++ 2
Home Depot Inc HD Discret $29,352.62 4.33% $776.42 2.6451% A A++ 1
PepsiCo PEP Staples $27,842.13 4.11% $812.76 2.9192% A A++ 1
NextEra Energy Inc NEE Utilities $26,915.74 3.97% $710.70 2.6405% A- A+ 2
Becton Dickinson and Co BDX Health $22,942.96 3.38% $310.08 1.3515% BBB A++ 1
Mastercard Inc MA Financial $22,716.51 3.35% $124.48 0.5480% A A++ 1
Realty Income Corp O REIT $21,509.37 3.17% $851.21 3.9574% A- A 2
3M Co MMM Industrial $20,577.83 3.04% $541.52 2.6316% AA- A++ 1
Clorox Co CLX Staples $20,090.69 2.96% $502.66 2.5020% A- B++ 2
Ross Stores Inc ROST Discret $19,878.63 2.93% $202.76 1.0200% A- A 2
Air Products & Chemicals, Inc APD Materials $19,843.20 2.93% $464.78 2.3423% A A+ 1
McCormick & Company MKC Staples $19,162.63 2.83% $283.01 1.4769% BBB A+ 1
Xcel Energy Inc XEL Utilities $18,034.26 2.66% $534.30 2.9627% A- A+ 1
Procter & Gamble Co PG Staples $17,576.41 2.59% $475.33 2.7044% AA- A++ 1
Illinois Tool Works Inc. ITW Industrial $16,906.18 2.49% $427.11 2.5264% A+ A++ 1
Kimberly-Clark KMB Staples $16,309.03 2.41% $543.85 3.3347% A A++ 1
WEC Energy Group, Inc. WEC Utilities $15,999.68 2.36% $494.94 3.0935% A- A+ 1
Automatic Data Proc, Inc ADP Tech $15,812.01 2.33% $307.60 1.9453% AA A++ 1
AT&T Inc T Telecom $14,758.60 2.18% $939.98 6.3690% BBB A++ 1
Church & Dwight CHD Staples $14,325.42 2.11% $176.96 1.2353% BBB+ A+ 1
The Coca-Cola Co KO Staples $13,539.67 2.00% $456.27 3.3698% AA- A++ 1
Colgate-Palmolive Co CL Staples $12,786.08 1.89% $317.12 2.4802% AA- A+ 1
Stryker Corporation SYK Health $12,159.85 1.79% $140.31 1.1539% A A++ 1
Microsoft Corporation MSFT Tech $11,424.63 1.69% $170.39 1.4914% AAA A++ 1
TJX Companies Inc TJX Discret $11,205.74 1.65% $158.57 1.4151% A+ A++ 1
Dominion Energy, Inc. D Utilities $11,154.75 1.65% $546.72 4.9012% BBB+ B++ 2
Starbucks Corporation SBUX Discret $10,922.91 1.61% $206.80 1.8932% A A++ 1
General Mills, Inc. GIS Staples $8,697.52 1.28% $329.60 3.7896% BBB A 1
Abbott Laboratories ABT Health $8,506.26 1.25% $147.29 1.7316% BBB A++ 1
Boeing Co BA Industrial $8,361.54 1.23% $180.84 2.1628% A A++ 1
General Dynamics Corporation GD Industrial $8,059.44 1.19% $185.93 2.3070% A+ A++ 1
Honeywell International Inc. HON Industrial $8,055.00 1.19% $156.28 1.9401% A A++ 1
McDonald's Corporation MCD Discret $7,737.21 1.14% $184.19 2.3806% BBB+ A++ 1
Medtronic plc MDT Health $6,260.22 0.92% $148.66 2.3747% A A++ 1
Misc Type ……….. Partial Totals Weight Yr Dividends  Avg Yield …..832 …..9 …..82
Equity Stocks $659,421.75 97.26% $17,758.32 2.6930%
Investable US Dollars $12,634.43 1.86%
Miscellaneous Assets $5,961.00 0.88%
. .. Equity + Misc Weight …..2 ….. …..222 …22 …..223
Total $678,017.18 100.00%


3 comments:

  1. Young Div -

    The Road to $20K and $1M is so clear and there... excited for you.

    -Lanny

    ReplyDelete