Friday, January 1, 2016

December Review




ESV
$1.35
CVX
$20.33
ADM
$26.04
COP
$5.18
TROW
$6.76
JNJ
$48.75
MSEX
$0.80
SO
$11.94
KO
$34.20
AFL
$6.97
UL
$16.04
ORI
$6.48
GILD
$4.73
LTC
$3.57
K
$3.41
NSC
$6.49
HSY
$1.60
VTR
$18.98
CCP
$3.42
CMI
$9.75
O
$4.38
VFC
$1.79
FCISX
$29.79
Total
$272.75


Cash flow


Salary
$5,968.96
Dividend
$272.75
Interest & Online
$12.47
Total
$6,254.18


Deductions


Gas Bill
$65.53
Electric bill
$111.82
Water Bill
$251.20
QT
$0.00
Discretionary
$357.23
Car payment
$435.45
Property Tax
$430.52
Total
$1,651.75


Calculation

Total Saved
$4,602.43
% saved
73.59%


Safety Net Total

Bank
$3,990.76
Capital One 360 Bank
$1,578.89
Scottrade Tax
$39,822.66
Scottrade ROTH
$1,902.24
Loyal3
$12,039.18
401k
$23,074.68
Edward Jones Roth
$7,213.58
Total
$89,621.99


Summary 

  • All my accounts went down except for my 401K and bank account. My goal is to reach my first $100k by March.
  • My paycheck is a bit higher this month than previous months. I worked part time as a bell ringer for the salvation army. 22 hours a week from Mid-November all the way to the end of December. Made an extra $1,500 for one and a half months. I requested to receive the entire pay at one time instead of dealing with a bunch of small paychecks since my local salvation army does not do direct deposit...for some reason.
  • I now own 100 shares of AT&T, ADM, and KO. All three are now “full positions” but I will still make my $20 buy of KO in Loyal3.

  • I greatly increased my positions in Loyal3. I now own 16 individual stocks that is funding my loyal3 mini mutual fund. I added MDLZ, NKE, YUM, and MCD in the month of december. I will dollar average these positions and buy big on dips.  
  • In one month I went from 0 shares of WMT to 57.25 shares at a rate of $59 per share. In other words I invested $3378.20 in WMT in one month and still came away with some cap gains. This was a major push to reclaim my portfolio from sensitive income to hard defensive stocks. I literally moved 5% of my entire portfolio into the defensive sector.
  • I sold BBL, KMI, SOUHY, ESV, and NSC for tax harvesting reasons and to reduce volatility. I reinvested the money into HASI and PG. My goal is to move PG to 100 shares by the end of the year along with JNJ if possible.

  • I received a 1% raise at work which translate to +$0.86 per paycheck or $22.36 per year. Some people were angry but I’ll take it. $22 more dollars in my Loyal3.
  • Dividend increases
    • T increased its dividends by 2.1% from $0.47 to $0.48.
    • HASI increased its dividends by 15.4% from $0.26 to $0.30.
    • WPC increased its dividends by 0.6% from $0.895 to $.90.
    • O increased its dividend by 0.3% from $0.1905 to $0.191.  

Future buys. 

I am looking into EMR, PG, CL, CMI, and JNJ.
  • EMR below $45.
  • PG at $75-80.
  • CL at $63.
  • CMI at $80.
  • JNJ at $100.


My dividend funds currently stands at $2,154.60+FCISX dividends. Portfolio updated. Happy New Year everyone.  

6 comments:

  1. Thanks for the 2015 summary. Great list of stocks paying you for the most part. We share quite a few names for December. I can understand most of your sales but this is first I have read regarding a NSC sale. Why not keep this or add to it in 2016? In any case, a great total for December in terms of divvy income and goals you set for 2016 as well. Looks like you really are shifting into the defensive/staples in a bigger way. My favorite sector to invest in for a long term dividend growth portfolio.

    ReplyDelete
    Replies
    1. hi Keith, I bought NSC at 85 and sold at 90. At the time 30% of my portfolio was in the defensive sector. I knew NSC couldn't sustain at $90 and needed the cash to buy safer stocks. so I sold 11 shares of NSC at $90.5 and bought a huge amount of WMT. I suspect NSC and UNP to go lower.

      In other words I sold for the cap gains to add into WMT. Will rebuy it sometimes next year. I don't think 2016 is the year of industrial recovery. thanks for visiting.

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  2. TBDI

    Thanks for your 2015 review, we have some same stocks that pays us dividends. Hope that 2016 will bring us more dividends income without working for it.

    Keep the snowball rolling.

    Sharon - Divorcedff

    ReplyDelete
    Replies
    1. hey sharon, I saw your blog buddy. You keep up the good work too

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  3. You have a nice list of stocks there. I like the WMT purchase, I'm hoping to add them soon to compliment my TGT shares. That's awesome you were able to purchase shares from the extra work you did over the holidays. Those extra few shares will be paying you back for many years.

    Have a good New Year

    ReplyDelete
    Replies
    1. hi AAI, thanks for visiting. WMT is my #1 stock for 2016. Cheap gas + rising income= better than expected earnings

      Delete