Portfolio

The table below includes all the portfolios and are updated around once a week, so these values are not real time but pretty close. I have three portfolios at the moment. One is my taxable brokerage account, another is my Roth IRA brokerage, and my last is a self-directed brokerage with my employer's 401k retirement provider.

**Updated 4/28/2017


In the portfolio table below, Green Tickers signify what I consider "Core", Yellow Tickers are supporting positions, and Red Tickers are speculative. I consider companies to be Core if they have predictable earnings, are non-cyclical and anti-recessionary in nature, have wide moats, demonstrate predictable dividend histories, and have strong credit ratings.

The highest of high quality stocks have their Tickers bolded with Green and can only qualify for such honor if they meet all 4 of these criteria:
   1) A or higher S&P financial rating
   2) A++ in Value Line financial strength rating
   3) 1 in Value Line safety rating
   4) Be considered by me to be Core (predictable earnings, non-cyclical, large moat, good credit, diversified product line, diversified customer base) or have the Green Ticker name

I call these my Elite collection of high quality stocks. I am always on the lookout to add to these at fair value or less. These positions make up the foundation of my dividend growth portfolio since I do not see them going out of business anytime soon.

There are definitely other Core positions in my portfolio, but they do not qualify for the Elite status because they have lower safety or lower credit rating. There are also companies that meet the first 3 requirements from S&P and Value Line, but are not what I consider Core due to their business model. As a result these companies, although high quality, are labeled as Supporting or Speculative.

The portfolio does not include depreciating assets like cars, furniture, or clothing. Right now I own no real estate. The miscellaneous assets are my assets that are not company stock. These will require on average 30 days to liquidate and the value includes the fees involved from selling.


19 comments:

  1. Awesome graphs YD! Pretty impressive portfolio too! I like seeing your sector weights. It's a quick and easy visual on where your holdings are. Keep it up! Very inspiring!

    Cheers!

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  2. Very impressive portfolio! We share a lot of companies in common, making it a solid foundation! Goodluck on your success!

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  3. Really like your portfolio....gives me some ideas to tweak mine as well. Thanks for sharing

    R2R

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  4. Bravo! Excellent depiction of your portfolio!

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  5. Nice looking portfolio with quite a few names in common with mine. Thanks for sharing.

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  6. What service do you use to make these charts and graphs?

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    1. Google docs has a spreadsheet that can make the pie chart and the treemap. The table with all my holdings is copy pasted from my Excel spreadsheet.

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  7. WOW!!!! Great Portfolio!!. May I know how much additional money are you putting into your portfolio each month?? I recently just started my dividend growth portfolio and my blog. It's not doing that well now since the overall market is down. However I am using this opportunity to purchase more dividend growth stocks. Please check out my blog at http://www.dividendgrowthbunny.com

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  8. Glad I found your blog, this is a great portfolio and great charts!

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  9. Wow amazing portfolio! I hope to one day have a portfolio such as yours. We have a lot of similar companies as well. Thanks for sharing!

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  10. Hey Young Dividend, keep up the good work. What is your plan into retirement age? Take from taxable and move into Roth? I'm curious of your plans related to RMDs (Required Minimum Distributions) at age 70 1/2.

    https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-required-minimum-distributions

    Also as a true long term investor it's important to think about the loooonnnng term too:

    19 “Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. 20 But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. 21 For where your treasure is, there your heart will be also." -Matthew 6:19-21

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    1. For me retirement age is still several decades... so I haven't given much thought.
      If my plan continues I don't think I will need to worry about money since I can live off the dividends from my taxable account (I think by then I will have to pay 20% on those dividends).

      I think my Roth will only have 5% of my net worth since you can only deposit $5500 now a year and it probably won't be growing much more than that in the coming years. So the Roth I probably will just withdraw it completely out and use it in my taxable account since it's not a significant amount. My 401k will probably have more funds (say 20% of my assets). I plan to just use the 401k and Roth right now purely for growth without paying taxes. When I'm old and there are withdraw rules for my Roth and 401k, I will just take the funds out and put them in my taxable account or spend the money on my family/housing/enjoyment.

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  11. Interesting! Great to see others spread risks.

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  12. Hello sir,

    First off, I would just like to say thank you in advance for the material and road map that you will potentially provide your followers over the coming decade, as I am in a very similar position. I am also in my mid-twenties, having recently found my "career", and extremely interested in where I should be putting my money (maxing my Roth IRA, maxing 401k company match, etc.). I just have one question (for now): how did you justify and form the opinion that the foundation of your portfolio should be based on dividend reinvestment?

    The reason I ask, and you may or may not have a similar hypothesis, is that there is more uncertainty around growth stocks in 2017 than in the past. What's even more peculiar to me is that you work in Silicon Valley, where growth companies are supposed to be dominating, and you still have come to the conclusion that a dividend reinvestment portfolio is the best plan for yourself over the next decade. Maybe on a longer time horizon you would have more growth names, idk.

    That being said, I have been mulling this dividend strategy for about six months now, having dabbled in growth names and not exactly enjoying the volatility or valuations.

    I plan purchasing quality companies with high dividend yields in 2017 and beyond, having a very similar strategy to what you have documented.

    Thanks

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    1. I base my investment on dividend growth investing because dividends and consistently increasing dividends are the most concretes way a company can show that they are profitable and growing. A company can't keep increasing their dividend unless their cashflow or earnings are consistently increasing.

      With dividends, you the shareholder will receive a piece of the pie of the enterprise's profits. Companies that do not offer dividends are speculative. You the shareholder are hoping that tomorrow or some day in the future, someone will pay more for your piece of the business than what you paid. With dividends, you are primarily interested in the income the company pays you. You cannot operate with that philosophy on companies that offer no dividends. With dividends, you can live off the dividend checks. Dividends from reliable consistent payers have lower volatility. Dividends dampen the decline during recessions as they offer a floor (if you see JNJ at a 5% yield you will be buying hand over fist).

      Once I hold a stock I care not much for the price of the company. I care more about what they do with that dividend. The only time I care about price is when purchasing. In contrast, most people are focused about the price of their portfolio everyday. My main focus area is my annual income from my investments and how that is growing and how safe the payout ratio is.

      However, I should warn that investors should not chase after high yield just to boost one's income. High yield is as good as speculation. Always buy quality.

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  13. Hi Young Dividend,

    Great looking graphs. Beautiful job you're doing with your portfolio! Thanks.

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  14. Hi Young Dividend,
    Great info.

    How do you manage the reinvestment of the dividends/distributions?
    DRIP or do you have the dividend sit as cash then make individual purchases selectively. Thanks.

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    1. I tell my broker to reinvest all dividends back to the company that paid them, so DRIP for me.

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  15. Some great visualizations on your blog. Helps tell the story a bit better, keep it up

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