The Investment Income tab on my blog has been updated here as of December 15th 2013. This page outlines my portfolio of investments and the income they generate on a yearly and average monthly basis. Also included is a chart with a historical look at my investment income since October 15th 2003.
I update the spreadsheets for my net worth and investment income on the 15th of each month. I have been doing this since at least October 2003. The 15th originally worked better for me because my bills and payments have always been due on the last or first day of the month. I have continued to use the 15th of the month because it provides a better snapshot of my numbers, and usually my financial life is slower mid-month which gives me time to compile the data. One downside to updating on the 15th is that I need to do one extra per year on January 1st to track my annual net worth, income, and investment performance. So you’ll likely see another update in two weeks.
Purchases 11/16/13 - 12/15/13 CLX $200.00 CAT $100.00 CSX $100.00 HCP $1490.16 Bought 40 shares @37.25 Peer to Peer Lending Lending Club $200.00 Total New Purchases $2090.16 Dividends Received 11/16/13 - 12/15/13 CAT $3.42 (reinvested) CLX $9.66 (reinvested) CSX $2.84 (reinvested) CVX $77.49 (reinvested) EMR $38.48 (reinvested) MAT $14.40 Total Dividends Received $146.29 Forward Yearly Income $3822.55 Forward Avg Monthly Income $318.55
The $2090.16 in new working capital, plus an increase in cash savings this month, has increased my yearly forward income to $3822.55, an average of $318.55 per month. This number is a $141.39 and 3.84% increase over November 2013, and a $739.88 and 24.0% increase year over year. I consider the $3822.55 number the most important because it is how much money I would receive though investment income if I stopped working today.
This month, I continued my dripping into both CLX and CAT. CLX I still believe CLX is getting a little ahead of itself now at $93.25, so I cut back my monthly drip to $100. Computershare allows me to invest $50 twice a month, so I am utilizing that functionality to dollar cost average even more effectively. The extra $100 I took away from CLX went to CSX this month, and I will continue to add $100 to CSX for a few years. I am quite happy with the Broadridge web site for dripping into CSX, and I hope to get up a blog post to review it sometime soon.
I also picked up another 40 shares of dividend aristocrat HCP in my taxable TD Ameritrade account. The price dipped into the low $37’s at which point I made the purchase, only to watch it fall below $37 that day. I am looking to pick up some more, another 20-40 shares, if the price stays under $36, averaging down my cost. I usually try to buy a position in four separate purchases, so I may do one more if the stock continues to fall further. I believe the fundamentals are solid and this is a simply a difficult stock environment for REITs, but I do not think the tapering will impact them significantly.
The upcoming month should be a busy one with the holidays, and it is a busy one for me at work. I’ll have another post near January 1st to go over my annual performance, and also I am working on some goal setting for 2014, something I have not done in the past with my investments.
Thanks as always for reading and looking at my portfolio. I welcome comments here or you can email me directly at RetireBeforeDad at yahoo dot com.
Disclosure: Long all stocks mentioned in this post.