Investing

June through August 2022 dividend report

It’s been almost two months since I posted my life update.

Two months in which life went on, not as usual, but different…changed. Thankful that life went on, mad and frustrated on the loss of (some) quality of life. Not that I’m not grateful on what we still have, but change doesn’t come easy. Especially unwanted change.

I’m glad to report that things are moving in an upwards fashion with my father. There is a long way to go, no doubt, but we are moving again. Thats the most important part. That being said, lets move on to the dividend report.

During all this I’ve kept up my investing game, determined more than ever to craft a different life for myself, my family and possibly the generation after me. Which means keeping up with my monthly buys, making my reports (but not posting them) and seeing how I can improve our financials in other ways (like investigating if we can refinance our mortgage).

I’ll just post the numbers of June and July and go into more detail for August.

June 2022: €409,10 largest haul ever with an 106% growth rate. Thanks to yearly payers ASR and PHIA.
July 2022: €132,44 with an 15% organic growth rate.

August 2022:

TickerAmount (€)
T16.05
VZ12.15
GIS4.50
CVS12.72
TXN9.58
ABBV35.25
OHI16.75
PG6.09
HRL2.16
ASML5.82
O4.75
Total€125,82
EURO/USD course had impact as well


No less then 11 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in the same or other dividend stocks. Newcomer AMSL made its first payment, I’m expecting great things from this company for the years to come. VZ is picking up the slack from T‘s dividend cut. Other than that growth was mostly organic with dividend increases and the increasing dollar value compared to the euro.

And here are the visuals:

Love me some Neon green

And working towards my 2022 goal of €2250 in dividends received:

Still on schedule with a full quarter+ to go.

Annual totals:

Already passed 2020 total!

August 2021€99,09
August 2022: €125,82

A nice increase of 27% compared to last year mostly caused by dividend increases, additional shares bought and 1 new position.

The progress is definitely real going through my sixth year as a dividend growth investor starting back in March of 2017 (with a monthly total of €1,98).

As always my results are converted from their base currency to euro and are post-tax.

I would love to hear your thoughts on my results and ofcourse on your own results. Please let me know in the comments!

Investing

Life update

It’s been a while since I last posted here. I wasn’t sure if I was going to write this post let alone publish it. Both because it is highly personal and that I didn’t realise there was a lesson in it until I typed it out. My original version of this was much longer, but some details have since been removed.

A few months ago, my father suffered a brain aneurysm, or more commonly called a brain bleed or a stroke. Thanks to quick thinking from the people surrounding him at the time and the great care he received in the hospital he survived.

It is currently unknown which of the current issues he has with walking, balance or speech will be permanent or will be resolved in time. We can only hope for the best, time will tell. We can consider us lucky already compared to other people we saw on the same unit in the hospital.

This event has left us scarred. It definitely has made me reconsider my perspective on life itself and how transitory it can be. I can remember having doubts on whether or not to go to a dinner with someone or how much a weekend away would additionally cost us. I already considered myself somewhat more aware on the importance of time & making memories, but this has made me even more focused.

Saving and investing is one of the most important things you can do in your life to build a better future for yourself and your loved ones. But don’t forget to live now, because tomorrow is promised to no one.

So go out and make those memories (money be damned) because in the end they are worth so much more than some number on a balance sheet.

And if you can, call your mom/dad/family member and tell them that you love them.

Investing

March 2022 Dividend Report

Even if life is hitting you with a sledgehammer, you can still count on your dividends rolling in. My second highest haul ever.

Let’s dive in:

TickerAmount (€)
INTC5.41
AFL10.98
ADM20.78
PFE15.62
UPS9.45
IBM12.74
3M13.84
WBA18.51
PRU17.67
ORI14.48
O4.35
ED7.89
VFC2.30
UNH4.45
QCOM9.97
JNJ2.43
CWEN1.33
Unilever54.63
PNW11.35
Visa1.10
Viatris0.55
SWK2.43
TROW6.43
Total€248.69
New record, just missing the 250 mark.

No less then 23 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in the same or other dividend stocks. Newcomers are TROW, SWK & Visa.

And here are the visuals:

And working towards my 2022 goal of €2250 in dividends received:

Annual totals:

So far 2022 already surpasses 2017 + 2018 combined!

March 2021€161,36
March 2022: €248,69

A mega increase of 54,12% compared to last year mostly caused by dividend increases, additional shares bought and three new positions.

The progress is definitely real going through my sixth year as a dividend growth investor starting back in March of 2017 (with a monthly total of €1,98).

As always my results are converted from their base currency to euro and are post-tax.

I would love to hear your thoughts on my results and ofcourse on your own results. Please let me know in the comments!

Investing

Buys from March 2022 + PADI update

Since I was really late with my dividend report of february I decided to increase the pace and also write up my buys from February and March 2022. Despite the markets reactions to various real world events I made my usual monthly buys and expanded existing postions and opened up a new one!

February 2022:
04 x Stanley Black & Decker @ $160,15.
01 x T Rowe Price Group @ $142,19.

March 2022:
07 x T Rowe Price Group @ $147,83.
03 x Clearway Energy @ $35,96.

As you can see I expanded my positions in TROW with 8 and CWEN with 3 shares. After an interesting article (dutch) by DeKleineKapitalist I did my own research and couldn’t agree more with his analysis. So I initiated my own position in Stanley Black & Decker to boost my position in Industrials.

Dividend increases (that I’m aware of):
Ahold Delhaize = 5,6%
ASR NV = 18,6%
Wolters Kluwer = 15%
3M = 0,7%

With these buys (and the current USD/EU exchange rate) and dividend increases my PADI is now:

A nice increase of 5,95% compared to last month with some dividend increases that packed quite a punch! This concludes my new PADI update, did you find this interesting? Got questions?

What movie is this?

Let me know in the comments!

Investing

February 2022 Dividend Report

This is going to be a quick one, it has been quite hectic at work and at home leaving little room for blogposts. So this one is short & sweet.

My results from February:

TickerAmount (€)
T27.37
GIS3.83
CVS11.58
TXN8.53
ABBV31.53
OHI14.98
PG5.19
HRL1.93
O4.22
VZ10.1
Total119.26

No less then 10 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in the same or other dividend stocks.

And here are the visuals:

Green growth!

And working towards my 2022 goal of €2250 in dividends received:

We’re at 10% in month #2

Annual totals:

I’ll probably reach 2018 total next month!

February 2021€148,33
February 2022: €119,26

A solid increase of 23,96% compared to last year mostly caused by dividend increases and a slightly larger OHI position. Awesome how DGI works in real life!

The progress is definitely real going through my sixth year as a dividend growth investor starting back in March of 2017 (with a monthly total of €1,98).

As always my results are converted from their base currency to euro and are post-tax.

I would love to hear your thoughts on my results and ofcourse on your own results. Please let me know in the comments!

Investing

6 years ago my DGI journey started!

I was browsing through my own reports and looking back at my first buys when I realised that I actually made my first stock purchase six years ago to the date (yesterday!). Incredible that it’s already been six years, time really flies whether you’re having fun or not. 🙂

Thankfully my live in the past six years have been more about making & having fun than not, so I count myself among the fortunate ones. In the past years I have been able to see my eldest daughter grow up and start Primary school, seen my youngest being born and already on the verge of going to Primary school. We’ve seen our family shrink with the loss of our cat and being complete again with a new kitten a few months ago.

Financially it has been a great ride so far with a few dips in between, but all in all very succesfull years despite not really being that much of an expert in the DGI world but continously learning from books, articles and my fellow DGI bloggers.

Big shout out to (in random order and by no means complete list): Engineering Dividends, Simple Dividend Growth, Mr. Groeigeld, De kleine Kapitalist, Dividend Belegger, Dividend Portfolio, The Broke Investor, Dividend Diplomats, Geldnerd, Engineer my Freedom, EuropeanDGI and more.

On 20/2/2016 I bought my first shares 15 shares of Ahold-Delhaize, the store where we buy most of our groceries. A position I still have to this day, although I have expanded this postion tenfold. I’m now the proud owner of 150 shares of Ahold-Delhaize and still very happy with my purchases.

So this also also means that I’m over the halfway mark of my blogs title “Financially free in 10 years”. I’m guessing that it will take me at least another 10 years to be close to my endgoal of being able to make decisions based on something else then needing a fulltime paying job to pay our bills.

No worries, that means that you get to enjoy me for a lot more years! Hopefully you’ll stay with me with your interesting, funny and always educational comments. With that I would like to close this post with another big thank you to you, my dear readers. Here’s to the next 6 years!

Investing

Buys from January 2022 + PADI update

As I’m typing this the largest storm of the year (called Eunice) is passing over the Netherlands. They expect millions in damages and a lot of schools / offices are closed. Public transportation has stopped and trains are also no longer available.

They expect this to the last for several hours, so it’s a waiting game now. Thankfully me and my family are indoors and are not expecting (and also hoping) that everyone and everything remains safe. This is the second storm in the same week and they are expecting another one in a few days. In my 39 years on this planet I don’t remember experiencing winds this heavy here.

So lets talk about January, on the 26th I made the following 4 stock purchases:

  • 2 x shares of Visa (V) @ $207,70.
  • 2 x shares of T Rowe Price (TROW) @ $159,85.
  • 3 x shares of Omega Healthcare (OHI) @ $30,73.
  • 2 x shares of Verizon (VZ) @ $51,82.

As you can see I’m still expanding my positions in both V and TROW, with the remaining funds I also added to the older positions of OHI and VZ.

Alas, the dividend cut of T was finally reveiled and with 70 shares of T, the impact was significant. So much even, that my buys from January only (exactly) recovered the lost dividend.

Status Quo

I added no forward income this month, that’s not something I wish to repeat. Anyway, this is also part of the DGI journey and a learning experience for me as well.

So there you have it, a new post with new information on my progress. Is there something else you would like me to share or expand on? Let me know in the comments!

Investing

January 2022 Dividend Report

A new year and a new report for the first month of 2022. It’s been an interesting few weeks with earnings and the long awaited announcement of the AT&T dividend cut. I must say I’ve debated a few times whether or not I would sell my shares on the initial annoucement and later updates on what the spin / merger with Discovery would look like. I even commented on a few of your blogs that I really needed to make an actual decision (with subsequent investigation) on what I would do with my shares. The fact that I lost a few 100 euros on my position already didn’t help. Was it a case of loss aversion or did I simply not wanted to buy high and sell low?

In any case I didn’t make a real decision so I just rolled with it and then came the announcement, a cut of of 47% of the dividend. Ouch, that hurt pretty bad. In my previous update I reported my PADI for the first time (in a meaningful way) and with this cut I’m only barely above the 2000,- euro in forward income. This brings my experiences with cuts to a total of three: Disney, Simon Property Group and now AT&T. Not something I want to get used to! It’s a shame that my UPS position wasn’t that big because their dividend increase of 49% could have negated the entire T cut. Oh well, seves me well for not making a conscious decision this time.

In any case, I’m really thankfull that the rest of my dividends are still intact and here are my results of last month:

TickerAmount (€)
PEP4.02
IRM27.68
KMB4.28
HASI3.88
LEG15.6
CAH9.48
O4.21
CSCO13.79
ADP7.02
MDT2.47
SPG4.95
WU8.82
Total106.2

No less then 12 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in the same or other dividend stocks.

Here are the visuals:

Neon green for 2022!

And working towards my 2022 goal of €2250 in dividends received:

And we’re off!

Annual totals:

Pretty colors!

So we have started 2022! Fun thing to see when you keep track of your data is that my first month of dividends for 2022 eclipses my entire first year as a dividend growth investor. How amazing is that!

January 2021€148,33
January 2022: €106,20

A big decrease of -28,40% compared to last year mostly caused by the loss of PPL payout and a special dividend I received from ORI last year. No worries, I’m still going strong!

The progress is definitely real going through my fifth year as a dividend growth investor starting back in March of 2017 (with a monthly total of €1,98).

As always my results are converted from their base currency to euro and are post-tax.

I would love to hear your thoughts on the results of this month and ofcourse on your own results. Please let me know in the comments!

Investing

Buys from December 2021 + PADI update

One of my goals for this year (separate post coming on that) is to increase my amount of posts on the blog to keep myself more accountable for progress AND provide more content for you my dear readers. So I thought I’d kick off my once again giving an overview of the buy(s) I made last month and give you an update on how my PADI (Projected Annual Dividen Increase) is shaping up during the year.

So what exactly did I buy last month? Well let’s start of what I sold! Sold you say, but Mr. Roboto you only buy and hold correct? While that is techincally true, sometimes you need to re-evaluate and clean up your portfolio. As I did earlier with selling my PPL shares and replacing them with PNW. A move which still remains to be seen if it will indeed increases my dividend safety.

On 21/12 I sold to recently acquired spin-off stocks in the form of Kyndryl Holdings (IBM spin-off) and Orion Holding (spin-off from Realty income). I had no interest in expanding theseholdings and thought to put the money to use somewhere else. The money from these transactions combined with my monthly deposit funded the following buys on 22/12:

4 x T. Row Price Group ($190,40): Well known throughout the DGI community I decided to also jump on the bandwagon and become a fellow shareholder.

T. Rowe Price Group, Inc. is an American publicly owned global investment management firm that offers funds, advisory services, account management, and retirement plans and services for individuals, institutions, and financial intermediaries. The firm has assets under management of more than $1.6 trillion and annual revenues of $6.2 billion as of 2020, placing it 447 on the Fortune 500 list of the largest U.S. companies. Headquartered at 100 East Pratt Street in Baltimore, Maryland, it has 5,000 employees in Baltimore and 16 international offices serve clients in 47 countries around the world.

1 x Visa ($217,50): Also a commonly know stock and found in many DGI portfolios. Visa Inc. (Visa) is a payments technology company that provides digital payments across more than 200 countries and territories. The Company connects consumers, merchants, financial institutions, businesses, strategic partners and government entities to electronic payments.

These two buys brought my PADI up to:

All numbers are after taxes

As I mentioned somewhere earlier in the comments of a previous post, I crossed the 2000,- (euro) mark in forward income! All post-tax, so this is the net amount that I receive from here on going forward (barring any cuts or decreases ofcourse).

So there you have it, a new post with new information on my progress. Is there something else you would like me to share or expand on? Let me know in the comments!

Investing

December 2021 Dividend Report

The holidays have come and gone, presents have been exchanged and the new year has begun. I hope you’ve had lovely holidays with your friends, family and loved ones. As for myself, it’s been an hectic end of the year but still I managed to take some time off work, reflect and spend a few days with my family. Thankfully we still did a quite normal / traditional Christmas day(s) and New Year celebrations so that was time well spent.

The awesome part about this DGI path is that even though you’re out celebrating and eating way more then you should, your dividends keep rolling in you’re brokerage account.

TickerAmount (€)
INTC5.22
AFL9.17
ADM19.38
PFE14.69
UPS6.13
IBM12.33
3M13.36
WBA17.96
PRU16.37
ORI13.51
O4.24
ED7.55
VFC2.25
UNH4.36
QCOM9.74
JNJ2.39
CWEN1.26
PNW11.49
Unilever54.15
Viatris0.49
Total226.04

No less then 20 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in the same or other dividend stocks. New payer this month is Pinnacle West Corporation (PNW) which replaced my sold PPL position.

Here are the visuals:

Largest payout of the year if you’re not counting special dividends!

And working towards my 2021 goal of €1750 in dividends received:

Negative? Didn’t you made it?

Do not let the negative amount fool you! It indicates that I’ve succesfully reached my goal and even stretched it by 8%. I made it my goal to receive €1750,- in dividends and received a grand total of €1918,46!

And (inspired by Engineering Dividends) a new graph with my annual dividend totals:

The progress is clearly visible.

We’re done with 2021! I’ve reached my intended goal and then some. Awesome!

December 2020€136,53
December 2021: €226,04

A very, very big increase of 65,56% compared to last year mostly caused by building out existing positions and by a change in paydate from Unilever (again). My average growth rate for 2021 came in at about 38% per month.

The progress is definitely real going through my fifth year as a dividend growth investor starting back in March of 2017 (with a monthly total of €1,98).

As always my results are converted from their base currency to euro and are post-tax.

I would love to hear your thoughts on the results of this month and ofcourse on your own results. Please let me know in the comments!