Thursday, August 27, 2020

Assets top $1,000,000 mark

Yesterday was a big day for me, my portfolio crossed a very critical milestone, a milestone that I had set out to do when I was much younger. I am now still 30 years old, and will think about what I should do next in my life as a goal. I probably should make a very flashy post here, but I just feel the same. Nothing super exciting, nothing is remarkably different after becoming a millionaire. Everything feels the same, but there is a sense of security, and peace, and independence after hitting this milestone.

I had set out when I was 19 to earn my first million by the time I was 30. This led to a sequence of events that led me to the study of my area of expertise and then the industry where I am at now, and then my current profession, and then my financial decisions that I made in my life over the years.

It is the end of August. The end of the month pay checks came in, the dividend checks got added up, and the recent run up in the general indexes in the USA markets (especially the technology NASDAQ sector) has pushed my total net worth up to a bit over $1,000,000 USD.

To be precise, on the market close of 8/27/2020 eastern time, my portfolio in total sat at the following amount in US Dollars:


Monday, August 10, 2020

August 2020 Portfolio Update

I recently updated the Portfolio and Progress pages to reflect the current portfolio value. Currently my net worth of all assets totals around $968,000 US Dollars. The portfolio is making good progress towards the $1M goal.

I actually updated all the data including data in the past to include in the graphs and tables my miscellaneous assets that are not stocks. These include my Toyota vehicle which is fully owned and has around 38K miles, resale value is at $15.3K USD which is around 1.58% of my current portfolio value. Additionally I have assets that are not stocks, these have a fair market value around $17K USD or 1.76% of my total portfolio, this is the value after liquidation fees. I try to keep non-stock assets in the one percent range so these are okay overall, considering my Portfolio is growing to almost 7 figures. My smallest stock positions are already over $10,000 USD and normal positions are in the $25,000 USD size, so miscellaneous assets like these are a small portion of a diversified set of positions.

I own no properties so those do not show up here. And additionally, I have no debts, no student loans and no car loans and no mortgage and no credit card debt, so the assets below are all positive adders to my net worth.

Saturday, August 8, 2020

July 2020 Dividends Received

 Below shows how much dividend cash payments I received for July 2020. The month is a record high. The trend line continues to move upwards as I reinvest in more shares every month.

Ticker      Total    Taxable         401k
MO $687.39 $624.86 $62.53
PM $492.83 $433.83 $59.00
KMB $166.35 $120.72 $45.63
XEL $164.18 $164.18
ADP $155.74 $155.74
KO $153.07 $153.07
ITW $127.13 $103.89 $23.24
O $112.56 $112.56
MKC $80.29 $53.76 $26.53
SYK $55.44 $50.20 $5.24
MDT $52.71 $52.71
INTEREST $0.04 $0.04
$2,247.73 $1,913.00 $334.73

Saturday, July 18, 2020

My portfolio crossed $900,000 USD

Apologies to readers and followers, my blog has been rather dead on portfolio updates in the last few months. The blog has only been posting my dividend income and buys, I have been very pre-occupied with my vocation and my investing research that I have not had a time to sit down and write.

Now it is mid July, the year 2020 started off normal but then became a roller coaster ride after the outbreak of the Wuhan Coronavirus spread throughout the globe. My portfolio became a "V" shape, and actually I was expecting a "W" shape to happen as well, but that second drop down has yet to happen.

The portfolio from the peak in early 2020 was around $860K and it fell all the way to $630K when everyone was shouting the end of the world, this was the depths of despair. On Friday 7/17/2020, the day when the majority of assets I owned had a run up, largely consumer staples and utilities and healthcare and some fintech, my portfolio crossed the $900K threshold level and ended the week around $903K. Moving from $630K to $900K (large majority being just market movement in paper values of equities) was surely a roller coaster ride. I stayed the course and held the companies that I had owned for many years.

In addition to my portfolio's paper asset value, the income generated by the portfolio's positions per year is now over $23,000 USD a year. So both portfolio net worth and income produced are moving up steadily as planned, to our $1 million dollar net worth target.

Thursday, July 16, 2020

Recent buy: O, MMM, KO, GIS ...

Added the following today. Nothing exciting here, just adding normal dividend paying, not super high growth, not very low growth, just moderate normal dividend paying companies that are high quality.

O: $2591
MMM: $800
KO: $740
GIS: $713
KMB: $716
GD: $744
HON: $766
MDT: $668

Saturday, July 11, 2020

Recent buy: GIS, COST, MMM, MSFT, PEP ...

I bought the following on 7/9/2020 a Thursday when the market was decreasing.

I added some quantities into the following positions:

GIS $1250
COST $979
MMM $458
MSFT $640
PEP $531
CHD $244
GD $420

Wednesday, June 24, 2020

Recent buy

I bought some more stocks today after the market dipped 2.2% downward.

O: $2360
MMM: $305
PG: $351
WEC: $345
PEP: $387
KMB: $416
D: $495
MO: $316

Tuesday, June 23, 2020

May 2020 Dividends Received

This is a late post, been very busy lately and didn't have a time to summarize.
My portfolio has recovered quite well in terms of share price and nearly all my positions have held their dividend and look in stable condition. 

In recent news, TJX has cut their dividend due to COVID19 to save cash. The company is fine and they took the more conservative step. I am still holding TJX as they were paying a low dividend and I was holding TJX for capital appreciation. This is a usual exception to my rule. It looks like ROST still has not cut its dividend, but if this keeps going it may be the same for ROST. 

Overall, losing TJX's dividend did not impact my portfolio's total annual dividend output as I have been buying more shares of other companies in the last few weeks.

In May I received $1313 in dividends. The 2/5/8/11 months are light paying dividend months as I do not hold many companies that pay in these quarters.

Ticker      Total    Taxable         401k
T $315.27 $314.74 $0.53
CLX $192.10 $192.10
PG $135.22 $122.97 $12.25
APD $138.33 $138.33
GIS $113.81 $75.15 $38.66
CL $89.30 $76.15 $13.15
O $102.11 $102.11
SBUX $76.42 $62.16 $14.26
GD $63.44 $63.44
ABT $49.29 $49.29
MA $37.91 $19.02 $18.89
INTEREST $0.03 $0.03
$1,313.23 $1,113.35 $199.88

Below I plot the growth of my actual dividend cash received. All dividends have been reinvested back to the companies that paid them.

Recent buy: Costco

Today I bought 20 shares of Costco. Total is around $6078 USD.

I will be adding more shares of higher dividend stocks to balance it out as Costco yields lower.

Thursday, June 4, 2020

Monday, May 18, 2020

Recent buy: CHD, XEL,MSFT

I bought the following shares today:

 CHD: $733.8
XEL: $1073.7
 MSFT: $1114.6
T: $118.4

Wednesday, May 13, 2020

Recent buy: MSFT, WEC, NEE,XEL, etc

I bought the following today:

Order Date   Trade  Action  Security  Quantity  Purchase Status  Total
5/13/2020 12:38 PM ET  Buy  SBUX  5 $73.75 Executed  5 @ $73.75  $368.75
5/13/2020 12:37 PM ET  Buy  MCD  4 $173.12 Executed  4 @ $173.12  $692.48
5/13/2020 12:37 PM ET  Buy  HON  3 $123.91 Executed  3 @ $123.889  $371.73
5/13/2020 12:36 PM ET  Buy  ADP  3 $135.11 Executed  3 @ $135.11  $405.33
5/13/2020 12:36 PM ET  Buy  KMB  3 $137.99 Executed  3 @ $137.954  $413.97
5/13/2020 12:35 PM ET  Buy  XEL  7 $57.71 Executed  7 @ $57.709  $403.97
5/13/2020 12:35 PM ET  Buy  NEE  2 $229.22 Executed  2 @ $229.067  $458.44
5/13/2020 12:34 PM ET  Buy  WEC  4 $84.31 Executed  4 @ $84.249  $337.24
5/13/2020 12:34 PM ET  Buy  MSFT  4 $178.47 Executed  4 @ $178.47  $713.88

Saturday, May 9, 2020

April 2020 Dividends Received

In April the following was received in cash from each holding, and the amount was reinvested back into the companies that paid them.

Ticker      Total    Taxable         401k
MO $673.97 $612.66 $61.31
PM $485.35 $427.25 $58.10
KMB $161.75 $116.51 $45.24
XEL $149.04 $149.04
ADP $138.40 $138.40
KO $136.58 $136.58
ITW $120.92 $97.85 $23.07
O $80.33 $80.33
MKC $79.97 $53.55 $26.42
SYK $49.55 $44.32 $5.23
MDT $46.14 $46.14
INTEREST $0.09 $0.07 $0.02
$2,122.09 $1,822.37 $299.72

Wednesday, April 29, 2020

Recent buy: GD and KO

Today I bought more shares of the following:

GD: $1941
KO: $95 (rounded up remainder cash with KO).

Both companies yield above 3% still.

Saturday, April 18, 2020

Portfolio Summary April 17, 2020

I have not had much time in the last few months to write a portfolio summary. This post is to try and recap what has happened in the last few weeks.

As every one knew, Coronavirus has been wrecking share prices, there was a precipitous drop when investors started realizing the economy of many countries will have to be shut down. Although the drop down sharply really happened around February 20th, people were already seeing vast effects of the virus in China where it originated.

From around the beginning of December 2019 until February 21, 2020 I did not add anything in my portfolio. This is around a 3 month window where my dividend income did not really increase except for dividend raises. I really felt before the S&P500 tanked, the market was incredibly expensive and the yields paltry in comparison to what I was able to get before. By the time Coronavirus appeared my cash pile has reached $30K and peaked at around $40K, this is cash saved from my vocational income.

When the S&P500 started dropping by 10% every day, I started adding. I have been adding all the way down to the bottom and am still adding on the way up as I want to acquire more shares with higher yields than before. At the moment I till have around $22K in cash to invest.

Wednesday, April 15, 2020

Recent buy: O, ADP, ITW, HON

I made several purchases today. The following are added:

MDT: $486
MSFT: $1380
ADP: $827
HON: $798
ITW: $744
O: $3521

This is a mix of healthcare, REIT, technology, and industrials, on average they pay moderate dividends together.

Happy investing.


Wednesday, April 8, 2020

Recent buy: GD and SYK

I added the following today:

GD - General Dynamics - $1349
SYK - Stryker Corp - $846

Saturday, April 4, 2020

March 2020 Dividends Received

Although Coronavirus is spreading its damage around, it has so far not changed the dividends I have received in the month of March. Here are the dividends I got and they were all reinvested back to the companies that paid them.

Ticker      Total    Taxable         401k
JNJ $255.54 $249.68 $5.86
HD $218.08 $174.99 $43.09
PEP $213.70 $180.28 $33.42
NEE $203.80 $153.64 $50.16
MMM $158.14 $130.81 $27.33
D $154.32 $100.17 $54.15
WEC $143.65 $126.09 $17.56
BDX $80.26 $80.26
O $75.72 $75.72
V $71.73 $55.13 $16.60
ROST $61.35 $61.35
MCD $60.62 $60.62
MSFT $50.28 $22.35 $27.93
TJX $49.66 $49.66
CHD $46.99 $31.44 $15.55
HON $43.51 $43.51
BA $33.67 $33.67
INTEREST $0.40 $0.31 $0.09
$1,921.42 $1,553.96 $367.46

March was a good month, very close to $2K. The moving average monthly dividend cashflow is setting new highs. I have been investing more heavily in the last few weeks as stocks are now cheaper than at the highs, so yields are good values relative to the past. April I am predicting a large income month barring any dividend cuts, I am expecting $2100 at least. For May I am predicting at least $1280.