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Portfolio


Click here to read recent associated posts and all previous investment income updates.

Portfolio as of April 30th 2017:

33 Responses to Portfolio

  1. Roadmap2Retire November 20, 2013 at 11:45 am #

    Those YOCs on CVX and VZ are impressive. Looks like you got in at a great time

    • retirebeforedad November 20, 2013 at 11:51 am #

      R2R,

      I’ve owned CVX since 1996 and I’ve always reinvested Divs(see post about CVX and how I started dividend investing). 10 year anniversary of owning VZ coming up and I’ll be writing about that too.

      -RBD

      • Dividend Growth Investor February 22, 2014 at 3:35 pm #

        Your long-term charts on income look pretty nice. I would have to dig deeper in order to understand what happened between 2007 and 2012 that caused stagnant incomes. I assume it was probably exposure to financials during the crisis?

        Either way, it is really cool that you have owner and reinvested dividends in companies like CVX, VZ, KO for so many years. However, are you planning on adding more stocks to your portfolio in order to reduce overreliance on VZ and CVX on your total dividend income?

        Good luck in your dividend investing journey!

        Dividend Growth Investor

        • retirebeforedad February 22, 2014 at 3:48 pm #

          Hi DGI,
          The big moves all have a story. 2006 I bought a condo which is now a rental. Interest on cash was higher at the time so my down payment decreased the amount of income I was receiving. 2008 was Bank of America and iStar Financial during the crisis. Those divs disappeared, although I got out of SFI somewhat early and I didn’t put the funds elsewhere right away. I wasn’t diversified enough and that fall was the result. Lesson learned. 2011 we bought a house, and that took a big chunk of cash out of our savings and decreased interest income. I include cash in my investment income chart. The big uptick in 2011 was when I started collecting on my rental property.
          -RBD

  2. Martin December 16, 2013 at 11:51 pm #

    I like your review man! It gives your blog nice perspective. I can see how you are doing and what contributes to your income. I try to do the same on my blog. It is inspiring a lot to me to see other investors and bloggers how they do it and I hope my blog can contribute to this as well, so others can compare it with me and benefit from it.
    So thanks for posting this review!

    • retirebeforedad December 17, 2013 at 6:49 am #

      Thanks Martin, I agree it is inspiring to see how others are doing with their income and goals. Looking forward to setting goals for next year and continuing to post.
      -RBD

  3. A Frugal Family's Journey May 3, 2014 at 5:41 pm #

    Great job…I love that you have several different income streams! Our family currently have income coming from dividend paying stocks, interest from savings, bonds, and P2P. But since we live in California, and already have a pretty sizable mortgage on our primary residence, we cannot afford to buy a rental at this time. Maybe one day, if or when my wife goes back to work. 🙂

  4. Dydra May 10, 2014 at 2:38 pm #

    RBD,
    I’m curious how to calculate your YOC since you’re a DRIP’er. Do you take the current dividend rate and divide by your average cost per share for whatever time length you dripped plus shares acquired with reinvested dividends? What happens to the YOC on the stocks whose divvies you take in cash? I take KO’s divvies in cash because it’s too expensive to reinvest via its DRIP plan, and I wonder what’s the correct calculation of my average cost in that case and then for YOC calculation. If you provided an example of the math you do, I’d be curious to study it. OTOH, not sure if YOC is a meaningful metric. I’m conflicted about it.
    Thanks

    • Retire Before Dad May 10, 2014 at 3:11 pm #

      Dydra,
      I calculate YOC by taking the current dividend over my average cost per share. My average cost per share is calculated including all fees and reinvested dividends. If you take a look at my post about Emerson Electric. I think you’ll be able to see what you are looking for. I included my spreadsheet in that post. Its from a few months ago but it should still provide an example. You can also check out my post on Verizon. Thanks for your comments today.
      -RBD

  5. Dydra May 10, 2014 at 8:27 pm #

    Thanks, I’ll go to check them out. I also bookmarked your traveling post for a later read. There’re so many fine blogs to read but impossible to peruse all of them. I like your holdings because they are similar to mine plus I’m DRIP’er like you mostly. Some companies are cheaper to do via ShareBuilder which charges $3.95 for every Tuesday investment. So, instead of DRIP’ing via CS, I bought PM, MCD, RDS.B, UL and a few others there. Yes, it’s hard to save $1k for each investment, but we do our best.

    • Retire Before Dad May 10, 2014 at 8:59 pm #

      Dydra,
      When I was getting started investing I only DRIP’d. But it was harder back then to invest before online brokers became popular. Now I both DRIP and buy bigger lots in my taxable brokerage. I like building a position by dollar cost averaging over a few years. I’m now in the process of transferring shares from CS to my TD Ameritrade account and stopping the reinvestment. I need to further diversify and using those dividends will help. I hear you about lots to read. The internet is full of good stuff, especially in finance and travel.
      -RBD

  6. DivHut May 23, 2014 at 3:19 pm #

    You have a pretty “tight” portfolio. Most of the other blogs have 30 – 50 holdings. Do you plan to diversify a bit more or plan to stay with fewer holdings?

  7. A Frugal Family's Journey June 1, 2014 at 1:26 am #

    Nice and well diversified annual income stream! At the moment, I have 3 of the 4 that you have listed. I want to eventually add a rental also but need to wait for my wife to get back into the workforce first. 🙂 Until then, onward and upward. Best wishes! AFFJ

  8. Dividend Dreams March 1, 2015 at 12:26 pm #

    Looking good. The chart tells the story. Fantastic increases in dividends. Keep up the good work.

  9. Tyron May 12, 2015 at 5:06 pm #

    Just looking at the amount of your dividend income yearly is quite impressive to me as growing passive income!

  10. Laura May 28, 2015 at 6:30 pm #

    Your annual dividend income is starting to soar. It is amazing how it can start slow and then grow exponentially within a few years.

  11. dividendvalley June 3, 2015 at 11:01 am #

    Hi,

    That’s a nice growth your making there the last couple of years. What are you doing different?

    Regards,
    DV

    • Retire Before Dad June 3, 2015 at 12:59 pm #

      DV,
      The acceleration is mostly due to not saving for a house, and having the rental. Ever since we bought our current home, we’ve had more money to invest instead of save for a down payment. I’ve also gotten more aggressive investing.

      Thanks for the question!
      -RBD

  12. Phong @ FinancialBasis.com July 22, 2015 at 2:18 pm #

    It’s really interesting to see the growth your received. However, I’m curious as to the amount you currently have invested into the stocks. Is it possible to disclose that amount? I.e. is it $50,000 across all stocks?

  13. Tim July 29, 2015 at 5:05 pm #

    Hi RBD, love the blog and all of the info. I’m just starting to dip my toe into this world and your information is really informative and easy for a novice like me to read and comprehend.

    I’m curious what tool you use for a list like the one above to view your whole portfolio at a glance when you have investments from multiple sources like Loyal3, 401k, etc, specifically something with sector tags. I’m using Yahoo Finance portfolio to see everything but I find the info on the actual portfolio view to be pretty limited. Would love to know what you use.

    Thanks!

    • Retire Before Dad July 29, 2015 at 6:23 pm #

      Tim,
      Thanks for the kind words. Glad you’re finding my site informative.

      I actually use Yahoo Finance too. I manually put the information in (I used to do it by transaction but they just eliminated that function). Then I have a custom view where I see all the columns that I want. It all lines up nicely. Then I copy and dump it into a spreadsheet with Google Docs to create this view.

      Also my TD Ameritrade gives me a few options. I use that a lot to track all my holdings too. Just the stock prices though.

      If you have yet, try a custom view with Yahoo Finance and pick the fields you want to see.

      Thanks for the question.
      -RBD

  14. g January 7, 2016 at 1:29 am #

    I think your stock portfolio looks great. I am going to learn more about stocks that pay dividends. Have you ever thought of buying rental properties at 40k and under for more passive income?

  15. Dividend Growth Bunny January 8, 2016 at 12:45 am #

    WOW!!!! Great portfolio!! May I know how much additional money are you putting into your portfolio each month?? I recently just started my dividend growth portfolio and my blog. It’s not doing that well now since the overall market is down. However I am using this opportunity to purchase more dividend growth stocks.

  16. Brad March 2, 2016 at 1:49 pm #

    Will you please format this page differently? I am unable to view your full chart on my iPhone.

    • Retire Before Dad March 2, 2016 at 9:18 pm #

      Brad,
      The table is optimized for desktop. I have seen it work on an iPhone, but not all the time.
      -RBD

  17. Peter Weishaupt December 1, 2016 at 7:27 am #

    I really like your blog. I found it through twitter. Turns out we’re neighbors. I’d like to ask what your view is on diversification and how many stocks you think people should own? Also, I use Loyal3 and was happy to see it on your resources and I’d like to add one more: Robinhood App. You can buy one share at a time, no fees.

    • Retire Before Dad December 1, 2016 at 8:13 am #

      Thanks a lot Peter. Which side of the river?

      Number of stocks someone should own is different based on how big the portfolio is. I own about 50 now, but that isn’t right for someone with $5000 invested. I also diversify with index ETFs in my retirement account, and try to diversify income sources.

      I’ve been hearing a lot of good things about the Robinhood app, but haven’t yet tried it myself.
      -RBD

  18. Millennial Money January 5, 2017 at 10:58 am #

    I am just starting to build my dividend focused portfolio and this was insanely helpful. I spent about an hour looking up some of these companies I haven’t researched before. I’ve been investing in index funds a long time and have AMZN and FACE stock from about 4 years ago, but looking to expand my portfolio. Thanks for being so transparent about your holdings – this really helps us newbies!

    • Retire Before Dad January 5, 2017 at 11:25 am #

      MM,
      Glad you find this helpful. Of course, just because I own them doesn’t make them all buys! I also own a lot of index funds and ETFs in my retirement accounts which are not included here. Good luck putting your portfolio together.
      -RBD

  19. Evan February 20, 2017 at 10:56 pm #

    RBD,

    In my opinion, you should look at purchasing some shares of an REIT – such as Simon Property Group. REITs are very good value right now and are required to distribute at least 90% of taxable income back to shareholders. You are missing the real estate sector, I think it might be a good long term value play with good dividends.

    – Evan

    • Retire Before Dad February 20, 2017 at 11:16 pm #

      Evan,
      Thanks for chiming in. I do own O and HCP as REITs. And the VNQ in our ROTHs. I’ll also be disclosing a new REIT type holding in my next update. Stay tuned.
      -RBD

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