Dividend Received · Investing

October 2021 Dividend Report

It’s that time of the month again! I think (one of) the most favorite moments of any DGI-blogger is taking out the digital ledger to see what the results of the past month were. Even after five years it still has something magical to see dividend dripping into your brokerage account. Knowing that these amounts will eventually lead to more freedom down the road is a gratifying feeling. Also a very necessary feeling because the DGI road is long, sometimes lonely and let’s face it usually boring as well. 🙂

Here are my results from October 2021:

TickerAmount (€)
PEP3.93
PPL6.98
IRM27.27
KMB4.16
HASI3.85
LEG15.35
CAH9.33
O3.97
ADP6.11
MDT2.43
SPG4.39
FDX3.83
CSCO13.17
WU8.60
ORI *90.4
Total203.77

16 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in other or the same dividend stocks. New payer this month is Western Union (WU) and keen observers will see that I increased my position in LEG. Amazingly enough ORI provided yet another special dividend (my third since holding this stock) which packs quite a punch this month!

Here are the visuals:

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

I can safely say that I will make my goal!

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

Already way above last years totals!

We’re done with month #10 and we still have two months to go! It’s a safe bet that I will reach my goal for 2021 in dividend received (barring a total market / dividend meltdown) so it will be interesting to see how much I can stretch that goal with some well-timed buys!

October 2020€96,15
October 2021: €203,77

A whopping increase of 111,93% compared to last year (mostly thanks to the ORI special dividend)! I’m avaraging a growthrate of about 40% per month. Pretty sweet! 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

These are my buys for Q3 2021

Ah yes, it’s time to share with you what I have been up to on this crazy journey called dividend growth investing. In my previous buys I had a strong focus on European stocks to balance my portfolio a bit more between US and non-US stocks since I’m pretty overweight on US stocks.

This quarter I kept that up but also added on my US positions, initiated new positions and for the first time ever sold a stock. Wondering which one? Here are my transactions:

Let’s break it down shall we:

Koninklijke Phillips (AMS:PHIA, new position): Philips leverages advanced technology and deep clinical and consumer insights to deliver integrated solutions. The company is a leader in diagnostic imaging, image-guided therapy, patient monitoring and health informatics, as well as in consumer health and home care.

I made multiple buys to a total of 52 shares with about 2% yield. Reason: More exposure to the the EU stock market, reasonable fundamentals and a company who is slowly transitioning to a full technology/medical giant (like Medtronic).

ASR Nederland (AMS:ASR, new position): ASR Nederland N.V. is one of the largest insurance companies in the Netherlands. The Company offers a wide range of financial products such as corporate and individual pensions and life, health, travel and leisure and funeral insurance. In addition, ASR Nederland offers savings and investment banking products and actively invest in property management and development.

I initiated a sizeable position of 50 shares in 1 go, right on time to snag that nice biannual dividend of 5,5%. Reason: More exposure to the the EU stock market, fine fundamentals and a company who actively manages their own investments by not investing in weapons AND having a solid company policy around this (the only one according to this investigation).

Verizon Communications (NYSE:VZ, new position): Verizon Communications Inc. was formed on June 30, 2000 and is celebrating its 20th year as one of the world’s leading providers of technology, communications, information and entertainment products and services. The company offers voice, data and video services and solutions on its award-winning networks and platforms, delivering on customers’ demand for mobility, reliable network connectivity, security and control.

I initiated a position with 21 shares with a 4,8% yield intent on expanding my position later. Reason: Alternative for AT&T which I am considering selling, nice fundamentals and banking big on the 5G / IOT.

Western Union (NYSE:WU, new position): The Western Union Company is a provider of money movement and payment services. The Company’s segments include Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer operating segment facilitates money transfers that are sent from retail agent locations worldwide or through Websites and mobile devices, including digital money transfer services. Its money transfer service is provided through one interconnected global network and these services are available for international cross-border transfers and, in certain countries, intra-country transfers. The Business Solutions segment facilitates payment and foreign exchange solutions, primarily cross-border, cross-currency transactions, for small and medium-sized enterprises, and other organizations and individuals.

I initiated a position of 50 shares with a yield of 4.5%. Reason: Diversification of my portfolio, nice fundamentals and with the world globalisation increasing there is a place for companies like this. They are aware of the possible risk crypto poses for their business and are working on it.

Pinnacle West Capital (NYSE: PNW, new position): Pinnacle West Capital Corporation is a holding company that operates through its subsidiaries. The Company operates through regulated electricity segment, which consists of traditional regulated retail and wholesale electricity businesses and related activities, and includes electricity generation, transmission and distribution. It owned and leased 6,236 megawatt (MW) of regulated generation capacity and the Company held a mix of both long-term and short-term purchased power agreements for additional capacity, including agreements for the purchase of renewable energy, as of December 31, 2016. Its subsidiaries include Arizona Public Service Company, which is a vertically-integrated electric utility that provides retail or wholesale electric service to the State of Arizona, with the exceptions of about one-half of the Phoenix metropolitan area, the Tucson metropolitan area and Mohave County in northwestern Arizona.

I initiated a postion with 18 shares with a 4,9% yield. Reason: Replacement for my PPL shares, I sold my full position. Better fundamentals and safer dividend score.

On top of these new positions I expanded my current holdings in Wallgreens Boots Alliance, Intel Corporation and Legget & Platt with a nice amount of shares.

All in all, I’m pretty happy with my transactions of the past quarter and the results show in my projected dividend income for the coming year. It now stands at €1930,- post-tax, I’m really closing in on the €2000 mark which (for me) is a significant milestone to reach!

Did you make any transactions last quarter?

Investing

September 2021 Dividend Report (Record month!)

Let me start this post by saying that I’m really excited about the results of last month! As the title indicates this is an absolute record month for me and really boosted my confidence in staying on the DGI path that I am on together with my family.

As September came to a close the Summer season is definitely over and we are getting more and more rain & cold. Autumn is shaping up and with the exclusion of some sunny days its not my favourite time of the year.

Restrictions are slowly being lifted across the country and I have been returning to the office more and more. My regular schedule is now two days at the office (Monday and Friday) and three days at home. I also notice that with more frequent contac with other people my spirits also have been lifted. I really am a social / people person at heart 🙂

Enough of the small talk, that’s (probably) not what you came here to see. Onwards to the dividend results!

TickerAmount (€)
INTC1.98
AFL8.73
ADM18.6
PFE14
UPS5.87
IBM11.79
3M12.77
WBA17.17
PRU15.76
ORI12.96
O3.89
ED7.24
VFC2.12
UNH4.20
QCOM9.35
JNJ2.28
CWEN1.20
RelX8.52
Unilever46.95
Ahold54.82
Viatris0.47
ASR34.85
WKL10.56
Total€306.08
Holy smokes, look at that total!

23 companies (!) deposited their dividends into my brokerage account, ready to be reinvested (manually) in other or the same dividend stocks. New payer this month is ASR and keen observers will see that I increased my positions in Unilever and Ahold significantly. Together with biannual payers like RELX and WKL this months packs a wickedly awesome punch! This month represents my absolute record dividend amount ever AND the first time I’ve crossed the €300 mark!

Here are the visuals:

Even the scales needed to be adjusted!

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

Looking great!

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

Essentially already at the same level as last year’s total.

How amazing are these results! I actually can’t believe it! We’re done with month #9 and we still have three months to go!

September 2020€157,20
September 2021: €306,08

A whopping increase of 94,71%% compared to last year!

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 awesome results of this month and ofcourse on your own results. Please let me know in the comments!

Hypotheek · Personal

Paying off (part of) our mortgage

It’s been a while (Dutch) since I lasted posted something unrelated to my stock buys, received dividend or my failing crypto currencies. As part of our journey to more freedom and financial independance I chronicle my DGI journey in generating monthly dividend income, but that’s not the entire story. Another part is me continuously improving our financial situation by optimizing our cash outflow. One large expense we have is our 30-year mortgage on our house.

When we bought our house in 2006 we split our mortgage into two separate parts; the largest portion is a “savings”-mortgage (spaar-hypotheek) and a smaller portion that’s essentially rent (aflosvrij) since you only pay the interest and not the principal.

The latter part of our mortgage consisted of no less than €68.000 euro. Meaning that at the end of our 30 years of mortgage, we would have payed €89.760 (bruto) in interest and still be €68.000 in debt! Talk about a money making machine for the bank / mortgage company!

Unfortunately, the first ten or something years of our mortgage I wasn’t as financially educated as I am now, so we didn’t do much in order to optimize the situation. When we began to look more seriously at our finances (and our salaries were starting to increase) we decided to see what we could do about the “rent”-part of our mortgage and we started to make additional payments to slowly lower the monthly interest and whittle down the principal.

That is until last friday 17th of September 2021. On this day we made our final payments and succesfully payed of that part of our mortgage! Going from paying €250,- of interest monthly to €0 was a long process, but we are so happy and proud that we made it!

Next step, investigating what we can do about the other part of our mortgage. To be continued!

Investing

August 2021 Dividend Report

Summer has come and gone and we are living in the final days of nice weather. Hopefully we’ll get a nice “after-summer” but I’m not holding my breath even though I’m typing this in about 24 degrees celsius 🙂

Here are my results for Augusts 2021:

TickerAmount (€)
T26.05
GIS3.64
CVS10.01
TXN7.39
ABBV28.28
OHI13.04
PG5.02
HRL1.76
O3.9
Total99.09
Darnit, so close to the 100,- mark

9 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in other or the same dividend stocks. No new payers this month and no real additional shares bought in these existing positions. I had hoped (and not calculated) that my sub 100,- months would be over but here we are, problems of luxury for sure! 🙂

Here are the visuals (I included larger images this time, hope you like it!):

Look at the pretty colors!

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

We need those big months (September & December) to make it!

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

Heading towards last years total with 4 months to go!

It’s not that far removed from the €115,34 last month. We’re done with month #8!

August 2020€106,53
August 2021: €99,09

A decrease crease of -8,89% compared to last year, due to a change in payout schedule (which will hit next month ;)). Nevertheless annoying to see negative numbers!

The progress is still very real even though this is already my fifth year as a dividend growth investor since 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 awesome results of this month and ofcourse on your own results. Please let me know in the comments!

Investing

These are my buys from Q2 2021

My quest to bring balance to the force, erhm in my portfolio continues!

To be honest, it’s prety much the same as the previous quarter with me buying the same companies but in different amounts. I’m heading towards a better geo-diversificaton with these non-US stock buys.

DateTicker# Shares
26/04/2021 Unilever PLC 16
02/06/2021Ahold Delhaize N.V.34
23/06/2021Unilever PLC17
Love me some stocks!


These recent buys have also significantly improved my total forward income. Since my forward income is dynamically generated and based on all current stocks in my portfolio I’ll just share that number. This has now (including all my buys up until now) grown to: €1805,- (post-tax).

The €2000 mark is in my sights, how awesome is that!?

What I can tease is that my Q3 buys will feature more different companies with both US and non-US stock buys. I’ll take my leave with this small teaser, so I’ll see you again soon with my dividend earnings from August 2021!

Thanks for reading, I’d love to hear your opinion on my buys for Q2!

Dividend Received

July 2021 Dividend Report

It’s summer! I hope all of you are enjoying some vacation and relaxation time, it’s something we definetely need! Even I’m somewhat late after coming back from my vacation in Southern France, I really wanted to show my results because its awesome to see money rollin’ into your bank accounts while your out having a nice vacation.

Here are my vacation results!

TickerAmount (€)
PEP3.85
PPL6.83
IRM26.64
KMB4.07
HASI3.75
LEG12.07
CAH9.17
O3.9
CVS10.09
ADP5.98
MDT2.39
SPG4.03
FDX3.75
UPS5.87
CSCO12.95
Total €115.34
Nice!

No less then 15 companies deposited their dividends into my brokerage account, ready to be reinvested (manually) in other or the same dividend stocks. No new payers this month but we did see some nice increases for example a 15% growth from FedEx.

EDIT 20/8/2021: I totally forgot (different account) that this month is the month I also receive dividend from my employeree share benefit program, this was my first (annual) payment totalling €3,13 bringing my months total to €118,47!

Here are the visuals (I included larger images this time, hope you like it!):

Blue is my new favorite color!

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

Still on track, but it will be close!

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

Already very near to my 2019 totals with 4 months left to go!

It’s far removed from the €199,04 last month but nonethless compated to last year a nice growth rate! We’re done with month #7!

June 2020€95,89
June 2021: €118,47

A very comfortable increase of 20,28% compared to last year, mainly due to dividend raises and some small expansions. The tri-fecta at work!

The progress is still very real even though this is already my fifth year as a dividend growth investor since 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 awesome results of this month and ofcourse on your own results. Please let me know in the comments!

Dividend Received

June 2021 Dividend Report

Ah yes, July is upon us which means its not only vacation time but also time to push out my results for June 2021 before the holiday starts. I don’t know about you but I really had a great feeling about this month. I knew that I had the upcoming bi-annual payment of a my relatively new position in RELX but as you know I’ve been boosting my other European (Unilever, Ahold) positions as well and Unilever was also due for June.

Well, I wasn’t dissapointed! I’m really, really glad to report that I had my best dividend month ever! Let me show you the results:

TickerAmount (€)
INTC1.93
AFL8.49
ADM18.05
PFE13.6
UPS5.69
IBM11.5
3M12.44
WBA9.51
PRU15.58
ORI12.62
O3.78
ED7.13
VFC2.09
UNH4.15
QCOM9.18
JNJ2.21
CWEN1.16
RelX19.78
Unilever39.69
Viatris0.46
Total€199,04
Holy smokes Batman!

No less then 20 companies deposited their dividends on my brokerage account, ready to be reinvested (manually) in other or the same dividend stocks. Astute readers will see not one, but two new payers in the list. This is the first dividend received from RelX and from Pfizer spin-off Viatris. Nice!

Here are the visuals:

Go blue!

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

This puts me right back on track!

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

Already heading towards 2019 total at the 2021 half-year mark!

That’s right, a RECORD-BREAKING month and only €0,96 shy of breaking the €200 mark (without any special dividends either)! How amazing is that in my fifth year as a DGI investor I’m already so close to breaking €200 in a single month! We’re done with month #6 and as you can see I’m back on track with my yearly goal for received dividend as well.

June 2020€153,26
June 2021: €199,04

An awesome increase of 29,87% (actually around my yearly average so far) compared to last year, mainly due to the two new payers (RelX and Viatris) and the expansion of my Unilever position.

The progress is still very real even though this is already my fifth year as a dividend growth investor since 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 awesome results of this month and ofcourse on your own results. Please let me know in the comments!

Investing

May 2021 Dividend Report

Another month has gone by and I’m actually pretty late with my monthly report. It’s almost time to make the next one! So without further ado I present to you my results for May 2021:

TickerAmount (€)
T25.72
GIS3.6
CVS9.89
TXN7.12
ABBV27.25
OHI12.56
PG4.86
HRL1.7
O3.78
WKL17.4
Total €113,88

No less then 10 companies deposited their dividends on my brokers account, ready to be reinvested (manually) in other dividend stocks.

Here are the visuals:

Look at that love blue color!

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

Running behind schedule

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

Already twice my total of 2018!

So we’re done with with month #4 and we are at 31% of our goal for 2021. Slightly behind schedule, but not by much.

May 2020€107,27
May 2021: €113,88
Total dividend ever: €3479,51

A small increase of 6,16% compared to last year even though there is a new payer (WKL). A quick investigation showed that its also due to a shift in payment of Ahold so no real worries there. So far my average growth rate from January through May has been a comfortable 30,09%.

The progress is still very real even though this is already my fifth year as a dividend growth investor since 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!

Crypto · Investing

These are my buys from Q1 2021

A lot of you have asked my about my own purchases in the past few months. Due to time constraints I haven’t been able to churn out monthly posts about my buys so I decided to post them every quarter, just like I did last time. This gives me some more ‘wiggle room’ and still keeps you updated, my fellow FIRE friends!

As you’ve read in the past I’ve been working on my geographical diversification, with a focus on non-US stocks. When I previously did an analysis on my portfolio, one fellow DGI investor also noted that I relied heavily on US stocks. Something which I also discovered and was already working on, as you can see in my buys from Q4 2021.

So basically I continued on my set course and added some more Dutch/EU dividend stocks:

DateTicker# Shares
26/01/2021Ahold Delhaize N.V.34
01/03/2021Ahold Delhaize N.V.34
24/03/2021Unilever PLC17
Love me some stocks!

I’m still adding 650,- euro every month and since my broker doesn’t support DRIPS I manually reinvest every dividend received. The awesome thing to behold is that with my growth over the past few years is that, on average, I receive 130,- euro in dividends every month. So that means I add about 780 euro’s of fresh capital to my portfolio every month!

So where these my only buys? Yes and no, they were my only buys on the stock market but wih the Crypto market going insane I also added some capital to that portfolio. I’ve added VET, BTT, and HOT to my portfolio. I might add some more on dips as the market continues to be extremely volatile.

And last but not least I made one more buy, a real silver bullion! More of an experiment really, since I’ve been reading about investing in silver for about three years. I’ve bought a Canadian Maple Leaf from 2014, the birth year of my eldest daughter to add some sentiment to it (and maybe justify the purchase to my wife :)). I really like it, but so far it hasn’t triggered me to fill up an entire pirate chest of these coins.

There you have it, my buys from the first quarter of 2021!