Investing

These are my buys for Q2 and Q3 2020

Welcome my fellow investors! It’s been a while since I last posted my buys, so here we go for a short and sweet post about my activity during the second and third quarter of this year!

Date Company # Shares Price
4-5-2020 AFL 10 $35,72
4-5-2020 ADM 10 $34,77
4-5-2020 WBA 4 $42,41
3-6-2020 LEG 10 $35,34
3-6-2020 FDX 2 $138,15
3-6-2020 OHI 6 $33,15
6-7-2020 IRM 12 $26,34
6-7-2020 T 8 $30,32
6-7-2020 ED 5 $73,90
6-7-2020 AFL 1 $35,92
18-8-2020 WKL 8 € 70,22
18-8-2020 CSCO 6 $42,24
25-8-2020 WKL 9 € 71,04
27-8-2020 CWEN 2 $25,94
25-9-2020 UNA 10 € 50,70
25-9-2020 ADP 2 $129,23
25-9-2020 CWEN 3 $24,12

My more avid readers will spot the two new companies immediately: WKL & CWEN! One Dutch dividend “aristocrat” and a somewhat more volatile/speculative dividend stock since its all about the green stuff! Energy that is, not marihuana :).

Wolters Kluwer: “Wolters Kluwer is a Europe-listed global information services company. It operates across four distinct business segments serving a wide array of clients: health (26% of 2019 sales), tax and accounting (31%), legal and regulatory (23%), and governance, risk, and compliance (20%). Within these divisions, Wolters aims to be the industry leader in a variety of niche, higher-value services.”

Clearway Energy: “Clearway Energy, Inc. is a leading publicly-traded energy infrastructure investor focused on modern, sustainable and long-term contracted assets across North America. Clearway Energy’s environmentally-sound asset portfolio includes over 7,000 megawatts of wind, solar and natural gas-fired power generation facilities, as well as district energy systems. Through this diversified and contracted portfolio, Clearway Energy endeavors to provide its investors with stable and growing dividend income.”

With all these buys my new annual forward income has risen to €1394,- (euro, post-tax). Come to think of it, that means that I added about €38,- in additional forward income in 6 months. Thats actually not that much given the money invested but I (mostly) have the dollar/euro conversion rate to thank for that and two dividend cuts (DIS and SPG).

Oh well it still means that I’m averaging more then €116,- per month! 

Dividend Received · Investing

Augustus 2020 Dividend Report

Summer has come and (almost) gone. I’ve spent a nice three weeks in the southern of France with the Bot family. Three weeks of no laptops, work, stress or anything. Great weather, friends, family, the pool, the river and flip flops. Can’t wait to go back there again!

There has been enough stress in the past few months at work. Unfortunately it resulted in a change of my role which wasn’t part of my plans. Time will tell if I can reach the same amount of motivation and energy within my new role and responsibillities. I will defintely go for it. 🙂

Thanksfully, the dividends remained nice and stable. Here are my results!

Ticker Amount (€)
T 26.27
GIS 3.53
CVS 10.10
AH 11.90
TXN 6.43
ABBV 25.32
OHI 12.97
PG 4.52
HRL 1.66
O 3.83
Total €106,53

No less then 10 companies succesfully payed me this month, this never gets old :). I was a bit disappointed that I received slightly less then the second month of Q2 even with some small additional purchases. Analysis shows that this is caused by the dollar / euro exchange rate.

And onto the visuals:

div_received_august_2020

And working towards my goal for 2020:

div_goal_august_2020

So we’re finished with month #8 and I’m at 58% of my goal for 2020. I’m still behind schedule so it might not be possible to make this goal. Especially since I will not be able to do additional buys between my monthly ones since we are purchasing the land beneath our house (yes this is still pending).

August 2019€82,56
August 2020: €106,53

A nice 29,03% growth compared to August last year. 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

Portfolio treemap: Your help is welcome!

Inspired by Engineering Dividends (who in turn was inspired by Young Dividend) I analysed my own portfolio and created a treemap based on sector and total current value of the stocks I own. I’ve spent some time in the past to check on my sector allocations, but not recently. This graphical way is a lot easier! 🙂

treemap_augusts_2020

There is a lot to be learned from this graph:

  • My largest sectors are healthcare, Information Technology and Consumer Defensive.
  • From these largest sectors Healthcare is the most diversified with 8 companies, followed by IT (6) and Consumer Defensive).
  • The next four sectors Real Estate, Industrials, Communications Services and Financials are quite evenly divided in value.
  • Real Estate shows 5 companies, while the others consists of three companies each, all somewhat evenly balanced except for DIS.
  • Next in size is Consumer Staples, consisting out of three companies which are roughly equal in size.
  • Utilities and Concsumer Cyclical are the next sectors comparable in size, here there is a small diversifcation in Utilities, there is none in Consumer Cyclical with only LEG there.
  • The smallest sector is Consumer Discretionary with only a small position in VFC.
  • The difference in value between my three largest sectors and three smallest is quite large.
  • I’m missing 2 out of the 11 GICS: Energy and Materials.

Here is my question to you:

“What suggestion / pointer / remark / can you give me based on the above diagram?”

And a small disclaimer: I’m not taking your comment as investing advice, I’m looking for opinions!

I would love to read your comments!

Dividend Received · Investing

July 2020 Dividend Report

A short and sweet update! Here are my results:

Ticker Amount (€)
PPL 7.21
IRM 22.42
KMB 4.04
PEP 3.85
HASI 3.82
LEG 11.93
CAH 9.41
O 4
CSCO 11.22
FDX 3.39
ADP 4.8
MDT 2.27
UNH 3.77
SPG 3.76
Total €95,89

No less then 14 companies our paying me this month. I was a bit dissapointed that I didn’t cross the €100 mark this month. With some additional buys that shouldn’t be a problem anymore in the final quarter of this year.

And onto the visuals:

div_received_july_2020

And working towards my goal for 2020:

div_goal_july_2020

So we’re finished with month #7 and I’m at 51% of my goal for 2020. I’m still behind schedule so this will be an exciting few months to see if I can still make it.

July 2019€64,98
July 2020: €95,89

A solid 47,57% growth compared to June last year. 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!

Dividend Received · Investing

June 2020 Dividend Report

June has come and gone and so we pass the half year mark of 2020 and what a year it has been so far. I hope my dear readers are still staying safe and where possible are enjoying some well-earned time off.

Thankfully I can still count on my dividends rolling in. Unfortunately I’ve suffered my second dividend loss in the shape of a -39% dividend cut from SPG. It was expected but that doesn’t make the sting any less.

So for now I’ve had Disney cut/suspend their dividend completely and SPG with a big cut. The good part is that these two companies represent the smallest positions in my portfolio (2 and 4 shares respectively) so the total impact on my forward income (which now stands at €1379) is relatively low.

Ticker Amount (€)
INTC 2
AFL 7.66
ADM 18.94
PFE 14.28
UPS 6.07
IBM 12.24
UN 13.96
3M 13.22
WBA 9.95
PRU 15.87
ORI 12.91
O 4.04
ED 4.58
VFC 2.16
UNH 3.77
QCOM 9.35
JNJ 2.26
Total €153.26

No less then 17 companies our paying me this month. I’d like to note that this is my highest dividend income ever and that I crossed the €150 mark in a quarter-ending month. The first and second month of the quarter are a bit behind in monthly totals so I need to work on those to provide a more evenly distributed dividend total.

And onto the visuals:

div_received_june_2020

And working towards my goal for 2020:

div_goal_june_2020

So we’re halfway through the year and I’m at 45% of my goal for 2020. I’m a little bit behind schedule and we have one (very) big expense coming up since we are buying the ground on which our house is built! This will severely limit my abillity to do some extra deposits in my investing account, but nonetheless its a different investment in our future. 🙂

June 2019€81,95
June 2020: €153,26

An exciting 87,02% growth compared to June last year. 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!

Dividend Received · Investing

May 2020 Dividend Report

Well another month in the books, is this the final month working from home? Our country and the surrounding countries are currently removing restrictions and opening up society.

Markets have gone up and currently are going down again and I expect to see this in the coming months. June is the end of Q2 and I assume that when the financial reports for this quarter will come in that we will be in some more turmoil.

On the bright side, everyone is still relatively healthy. I’ve been somewhat under the weather lately but tested negative for Corona so thats good news 🙂

My dividends are still rolling in as clockwork, only DIS has suspended its dividend. Since this is my smallest position by far my forward income only dropped <€2,-.

Here are my result for May:

Ticker Amount (€)
T 25.14
GIS 3.81
CVS 10.90
AH 10.95
TXN 6.99
ABBV 27.53
OHI 11.04
PG 4.92
HRL 1.82
O 4.17
Total €107.27

Another €100+ month in the books! I seem to be missing SPG as it payed in the second quarter but as far as I can see its moved to June. If they even pay a dividend that is, although there CEO said that they “won’t be a company that cuts their dividend with 50% or more”. So I’m expecting 49% or less 🙂

A picture is worth more than a 100 words:

div_received_may_2020

And working towards my goal for 2020:

div_goal_may_2020

So I finally crossed the 35% mark of my yearly goal. Since this is month 5 I need to hussle to increase my monthly payouts to reach my goal. On the other hand it seems very likely that we will have a very large expense coming up since there is an opportunity to buy the land under our house. We own the house after we pay the mortgage, not the ground beneath it (a ground lease construction).

May 2019€84,61
May 2020: €107,27

An comfortable 26,8% growth compared to April last year. 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!

Dividend Received · Investing

April 2020 Dividend Report

Yes! Another month working from home has ended and it’s time to tally up our total dividends for the month. I don’t know about you guys and girls but I sure could get back to normal. Even though I still understand and support (most not all) of the decisions made to flatten the curve it has been taking a toll on me. I miss the office life and find the situation sometimes challenging.

I find it extremely difficult to either be 100% commited to my work or 100% committed to my family. It’s all a blur between working and family life and I’m not liking it. Sure it helps that I can decide my own hours but in reality I’m working during the day and evening.

Fortunately I can still count on the dividens pouring in. No dividend cuts so far, but I’m still expecting them (SPG for example).

Ticker Amount (€)
PPL 7.39
IRM 23.36
KMB 4.21
PEP 3.69
HASI 3.96
LEG 9.39
CAH 9.79
O 4.20
CSCO 12.19
FDX 2.53
AH 10.95
MDT 2.23
Total €93.89

Some of you will immediately spot my first dividend from MDT which I’m pretty pleased about even though I’m paying 25% dividend tax instead of 15% on US stocks (since its based in Ireland). My fellow DGI’ers, is this correct or am I doing some math wrong here?

On to the visuals:

div_received_april_2020

Working towards the 2020 goal of €1500 in dividends:

div_goal_april_2020

April 2020€62,90
April 2020: €93,89

An awesome 49,2% growth compared to April last year. 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 from Q1 2020

An entire quarter already passed by without a buy post from me, thats pretty bad. But the good news is, life (and a lot of work) got in the way so thats a good thing! 🙂

I’ve opened up four new positions in the last months, so feast thou eyes upon my buy list from Q1 2020!

Date Ticker # Shares Price ($) Total ($)
7-1-2020 OHI 8 42 336
7-1-2020 T 11 39 429
4-2-2020 AFL 15 52,6 789
26-2-2020 AFL 8 48,2 385,6
26-2-2020 PFE 10 34,8 348
27-2-2020 ORI 15 20,92 313,8
27-2-2020 PRU 3 79,95 239,85
12-3-2020 AH 10 19,164 191,64
12-3-2020 ADP 2 129,69 259,38
16-3-2020 MDT 6 77,94 467,64
16-3-2020 ADP 2 128,8 257,6
24-3-2020 JNJ 3 116,7 350,1
24-3-2020 ADP 3 116,78 350,34
24-3-2020 AFL 3 27,03 81,09
$4799,04

I also took advantage of the recent market turmoil to add some more capital then usual to scoop up some additional shares on exisiting positions.

My avid readers will spot the four new companies immediately: AFLAC, ADP, MDT and JNJ! So I added four new dividend aristocrats to my portfolio! Pretty excited about that. 🙂

With all these buys my new annual forward income has risen to €1356,- (euro, post-tax), that means that I’m averaging more then €110,- per month!

 

Dividend Received · Investing

March 2020 Dividend Report

What a world and market in turmoil, I haven’t seen anything like this before in my life. The Mr. Robot family is currently in the Dutch version of lockdown. So 100% remote work for me and Mrs. Bot and we have Lil’Bot and BabyBot fulltime at home.

I hope all of my readers are currently safe and doing their part into keeping everybody safe including social distancing and personal hygiene. Let’s fight this together!

Although health is more important than everything I could ever write here, this is still a blog about dividend and financial freedom. And to keep things realistic I will not only share my monthly report but also a quick report on the entire portfolio.

I started my investment journey in February 2017 (Dutch) with a buy of 15 shares Ahold. Ever since then my portfolio has only gone up and up (and up!). So much so that I reported a healthy capital gain of about €11k. That is until Corona hit big time, I saw my portfolio drop from +€11k to about -€4k in two weeks time. 

Even though I’m not easily rattled by market fluctuations this made me second guess myself a few times. Was I so wrong in my choice of stocks, will this go even further? Some stocks dropped a little but some stocks (SPG I’m looking at you) dropped $100 a share, those are some scary numbers.

I’m happy to report that my emotional rollercoaster ended fairly quickly as I resigned myself to the whims aof the market and remembered that I’m in it for the long haul and that events are bound to happen. As I’m writing this my portfolio is back at +€2,4k and more importantly my dividends are still coming in (and growing). Hopefully they will stay this way, but realistically cuts are a possibillity (looking at you again SPG).

My report for March 2020:

Ticker Amount (€)
INTC 2
AFL 3.2
ADM 16.32
PFE 11.43
UPS 6.08
IBM 12.19
UN 13.97
3M 13.5
WBA 8.68
PRU 13.36
ORI 13.08
O 4.09
ED 4.64
VFC 2.28
UNH 3.39
QCOM 9.06
Total €137.27

Sharp readers will see that Aflac payed me my first dividend! I will be posting a buy post later this month detailing my recent buys.

Here are the visuals:

div_received_march_2020

Working towards the 2020 goal of €1500 in dividends:

div_goal_march_2020

March 2019: €71,45
March 2020: €137,27

An awesome 92,1% growth compared to last March. 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!

Dividend Received · Investing

February 2020 Dividend Report

Another month of 2020 has passed, it’s amazing how fast time went by. It was a month (or actually weeks) of the world and stock market in turmoil due to Corona. Bringing down valuations to levels not seen in quite some time and to be honest more fairly valued.

Besides the valuation, this is also a testing time for a lot of us (fairly) new investors to test our resolve in a (temporary?) declining market. Are you riding out the storm and averaging down on great DGI companies to boost your portfolio or are you selling to capitalize on previous gains? I’ve seen my portfolio tank with €1000 in a day last week. It comforts me to know that I’m not panicking but staying the course, I hope you are too!

Even with all the panic outside, my portfolio brought in a steady stream of dividends:

Ticker Amount (€)
T 24.75
GIS 3.75
CVS 10.75
TXN 7.00
ABBV 27.75
OHI 11.03
PG 4.69
HRL 1.83
O 4.19
SPG 6.46
Total €102.2

It’s awesome to see that from now on the second month of the quarter will (also) always be a €100+ month! I’ve got my new position in SPG to thank for crossing that threshold.

My visuals show more then my words can:

div_received_february_2020

And another month closer to my 2020 goal:

div_goal_february_2020

February 2019: €54,68
February 2020: €102,20

A solid 86,9% growth compared to last February. 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 of your own results. Please let me know in the comments!