Crypto-holdings update

As some of you know I experimented a bit in cryptocurrency last year. Although I didn’t post anymore about it, I actually did some moves in this space so I thought that I’d give you all an update on this speculation.

Originally I bought Ripple coins (XRP) for the amount of €500,-. or 2641 coins at a price of €0,189. The idea at first was to hodl for the long term and see a steady rise in profit hopefully enough to pay for my mortgage 🙂

The reality was somewhat different though. After my initial purchase there indeed was a steady growth in the XRP price. As it grew I began to feel some pressure to sell it, so after a small rise I sold all my coins when the price hit €0,22. Realising a total profit of €81.08. NICE!

Since the price dropped again I decided to use my original €500,- and rebought XRP again at a price of €0.18500. The price dipped even further so I used my realised gains to buy additional XRP.

After it continued to rise in price I made some subsequent gains by selling batches of 100 coins at a time. After a few buys I decided it was time to branch out to other coins and to invest another €300,-.

Then the price of XRP rose to its peak above the $3:

Other coins continued to soar as well and eventually my investment of €800,- grew to a stellar €4165,29. Amazing unrealised gains & profits, it grew bigger then I dared hope when I first invested in this new technology.

Your probably wondering, dude did you sell at this high?!? Alas, my answer is no. In my infinite wisdom I decided that if it could grow to $3+, it could also go to $10 right?

Well apparantly so far the answer is no. After this great rally, all coins,including XRP made a nosedive and returned to lower values.

Long story short I now have a small portfolio consisting of Ripple (XRP), Stellar Lumens (XLM), Tron (TRX), EOS, and Electroneum (ETN).

The average value of this portfolio is between €1200 – €1600 euro although it crossed €2000 again three weeks ago and went down again after that. At the time of writing the value is €1264,73.

So far so good with a healthy €450,- profit in about 9 months time, but boy what a ride it has been and continues to be. It’s definitely not for the faint of heart, that’s for sure!

Got any experiences of your own? Please share in the comments!

 

 

 

 

 

 

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This is my (extra-large) buy for May 2018

So first off, let me say thank you to all the people commenting on my own small space on the big interweb. It amazes me that in the past year I’ve (virtually) met people from all over the world who share a common goal. To create a better life for themselves and their loved ones.

As some of you have already seen on other blogs I frequent, I’ve made not one, not two but no less then three buys this month! Next to my regular monthly contributions of €500,- I received a bonus from my employer. Part of the perks of my new job since last September was an annual bonus from the company. Unfortunately I didn’t get the complete bonus since when the year ended I had only been at the company for 4 months, but still it gave me an additional €700,- to spend on behalf to my portfolio.

So I decided to put my money to work and made the following buys:

On 02/05/2018 I added 12 shares of Unilever @ €46,47.

	Unilever
P/E (<20)	21,71 (slightly higher then I normally want)
Yield (>2%)	3,32%
Payout Ratio (<75%)	64.91%
Increases (>= 5 year)	2 years (varied through the years)
5-year DGR (>5%)	Fluctuated a lot
EPS (>0)	1,55
Valuation (<=10% > 52wk low)	10,78%

As you can see the financials are not as optimal as I want them to be, but since it’s a Dutch-British company it balanced my portfolio better against my majority of US stocks. With the ex-dividend date a day later it also allowed me to snag their dividens three times this year. Lastly we have and use a lot (!) of their products. Think shampoo, conditioner, soap, creme and ofcourse everyone’s favourite (except my wife’s) PEANUTBUTTER! 🙂

My second buy happened a day later when I saw a dividend aristocrat hit their 52-week lows and boy I wasn’t the only one who noticed.

I added 5 shares of this world famous company @ $97.

	Pepsico
P/E (<20)	28,61 (higher then I normally want)
Yield (>2%)	3,82%
Payout Ratio (<75%)	65,2%
Increases (>= 5 year)	Aristocrat: 45 years
5-year DGR (>5%)	8,7%
EPS (>0)	$3,39
Valuation (<=10% > 52wk low)	1,10%

And on the same day I splurged some more and added to an existing postion.

Since the price dropped a lot since I added to my existing postion last november and is even further removed from the price when I initiated ($41,75 :() in this titan of industry, But with the yield spilling over the 6% mark, I added another 10 shares @ $31,90.

So with all three above purchases AND a 4% dividend increase from IBM my 12-month forward income rises from $298,04 to $345,31. So I didn’t just cross the $300 mark but I’m already halfway to the $400 mark!

The snowball is rolling ladies and gentleman!

April 2018 Dividend Report

Can you believe it? Another month has passed and it is already time for my new dividend report. It’s also the second time I’m able to report a YoY-comparison so I’m also pretty curious to see if I can top the previous month growth numbers which were a staggering 891,9%. (statistically impossible but who knows?!?)

My total for April 2017 was: €11,23. A pretty high number for my second ever dividends received but that is due to the dutch Ahold Delhaize stock which pays out annuallyin April.

Without further delay, here are the nitty gritty details:

Date	Ticker	Shares	Amount (€)
13/04/2018	HASI	15	3.41
13/04/2018	O	23	3.74
16/04/2018	CAH	5	1.58
25/04/2018	CSCO	10	2.30
26/04/2018	AMS:AH	18	9.67
			€20,70

Yes! A total of €20,70 (after taxes) of free money was deposited into my account. The highest dividend I have ever received. This covers my internet / tv / telephone bill for about two thirds!

My year to date graph looks like this:

This brings me that much closer to my 2018 goal:

Still on track for the 2018 goals!

Total dividend YTD: €66,40
Total dividend received ever: €155,19

And now….the big moment, my second YoY-comparison!

April 2017: €11,23
April 2018: €20,70

A whopping 84,3% increase compared to last year! That just awesome!

How about you my dear readers / fellow bloggers, how was your April?

Dividend increases April 2018 (QCOM, O)

Qualcomm (QCOM) declares $0.62/share quarterly dividend, 8.8% increase from prior dividend of $0.57. Forward yield 4.53% Payable June 20; for shareholders of record May 30; ex-div May 29.  With my 6 shares this equals a raise of $0,255.

Realty Income (O) increased their monthly dividend yet another time by a tiny bit from $0.219 to $0.2195 per share. With my 23  shares this equals a mini-raise of  $0,009 so its not even a cent. 🙂

So my new total forward income is now $298,04 (with the current Euro/USD conversion rate and after taxes).

 

This is my buy for April 2018 (PG)

Yes, its time for me to share my buy of the month again! As I’m still DUKing out (see what I did there) what utilities to invest in I saw a nice dip on another aristocrat with brands my family uses daily. Yes you guessed it (I hope), in initiated a position in Proctor & Gamble!

I bought 8 shares @ $78!

	Proctor & Gamble
P/E (<20)	20,85
Yield (>2%)	3,68%
Payout Ratio (<75%)	72,83%
Increases (>= 5 year)	Aristocrat: 61 years (!) of dividend increases
5-year DGR (>5%)	4,90%
EPS (>0)	2,87
Valuation (<=10% > 52wk low)	$74.2 = 52-wk low => 5,12% > 52-wk low

These 8 shares provide me with an additional income of (8 x 4 x 0.7172) – 15% = $19,51 and brings the new total towards $277,59 + $19,51  = $297,10

The $300 mark is within my grasp! 🙂

March 2018 Dividend Report

And POOF(!) another month is gone, winter is finally over and spring has sprung (or something like that). Time for one of my favourite things to blog about, my dividend income.

Regular visitors of this blog also know that this post is going to be a special one. It’s the first time I can do a year-over-year comparison with the previous year. My DGI journey started in february last year and I received my first dividend in March.

My total for March 2017 was: €1,98

Let us see how we did in March 2018. A total of 7 companies paid me this month:

Date	Ticker	Shares	Amount (€)
01/03/2018	INTC	8	1.65
01/03/2018	PFE	9	2.11
12/03/2018	IBM	2	2.05
13/03/2018	ADM	18	4.13
15/03/2018	O	23	3.47
19/03/2018	VFC	6	1.9
21/03/2018	QCOM	6	2.35
			€17,66

Yes! A total of €17,66 (after taxes) of free money was deposited in my account. The third highest dividend I have ever received. 🙂

My year to date graph looks like this:

This brings me that much closer to my 2018 goal:

The first quarter of the year has pased and I’m on 23% of my goal for 2018, so it looks like I’m on the right track!

Total dividend YTD: €45,70
Total dividend received ever: €134,49

And now….the big moment, my YoY-comparison!

March 2017: €1,98
March 2018: €17,66

A whopping 891,9% increase compared to last year!

I knew it was going to be an increase, but never expected it to be this much. As you can understand, I’m pretty happy with my results at the moment!

How about you dear readers, how was your March?

This is my buy for March 2018 (KMB, AD)

So its time to discuss my monthly buy again and again I went a bit off course. My initial idea (thanks to my portfolio review) was to open a position in the Utilities sector since I have no exposure there. I was in the middle of analysing a few companies (thanks to Mr. ATM) when I saw a nice opportunity to add yet another dividend aristocrat to my list!

I initiated a position in KMB by buying 5 shares @ $111,60:

	Kimberly Clark Corporation
P/E (<20)	17,41
Yield (>2%)	3,58%
Payout Ratio (<75%)	57,1%
Increases (>= 5 year)	Aristocrat: 45 years (!) of dividend increases
5-year DGR (>5%)	5,20%
EPS (>0)	6,41
Valuation (<=10% > 52wk low)	$109,51 = 52-wk low => 1,91% > 52-wk low

Additional reason for me to buy a stock is if I use its products. Well with a small kid around who loves to swim: Huggies – Little Swimmers are often used! Besides that, we have run through 100+ Kleenex boxes during past winter with all the flu/sniffles/colds going around in the house 🙂

This buy adds (5 x 4 x 1) – 15% = $17 to my forward income, bringing the total to $258,62  + $17 = $275,62.

But wait…..there’s more! With my deposit of €500 I had some left over after these 5 shares (I can’t buy partial shares). I decided to add up on my home based allocation and added 3 shares of Ahold Delhaize (AD) to my existing position for €18,25.

With their recent announcement regarding a dividend increase to €0,63 this will add another  ((3 x 0,63) – 15%) x current EURO/USD exchange rate = $1,97 to my forward income. So with these buys my new forward income total is $277,59!

What do you think of my latest buys? Did you buy something yourself? Please share it in the comments!