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Portfolio

This portfolio page shows the current holdings in our retirement and taxable brokerage accounts. I also share our forward 12-month investment income, total combined asset allocation, and a chart showing our progress toward financial independence.

Data is current as of November 15th, 2019.

Retirement Account Assets

We have six different retirement accounts, all with Fidelity. They include two traditional IRAs, two Roth IRAs, and two employer-sponsored retirement accounts (a 403(b) and 401(a) with my current employer). 

I select index funds based on cost and finding funds that satisfy my target asset class with the broadest coverage (highest number of holdings). 

Speculative stocks that I own in our retirement accounts are typically long-term growth stocks sourced through research and supplemental subscriptions services such as the Motley Fool Stock Adviser. Read my Motley Fool Stock Adviser review here

Here’s a consolidated look at the retirement assets in our six retirement accounts (mobile users, scroll right).

Symbol Description %
FSKAX FIDELITY TOTAL MARKET INDEX FUND 20.4%
FSGGX FIDELITY GLOBAL EX US INDEX FUND 18.0%
VTSAX VANGUARD TOTAL STOCK MARKET INDEX ADMIRAL 17.4%
FDRXX** FIDELITY GOVERNMENT CASH RESERVES 11.8%
Specs Speculative Growth Stocks 6.8%
FSRNX FIDELITY REAL ESTATE INDEX FUND 5.7%
FCNTX FIDELITY CONTRAFUND 4.6%
FXNAX FIDELITY US BOND INDEX FUND 4.3%
FSSNX FIDELITY SMALL CAP INDEX FUND 4.3%
FOCPX FIDELITY OTC PORT 1.8%
FSMDX FIDELITY MID CAP INDEX FUND 1.7%
FPADX FIDELITY EMERGING MARKETS INDEX FUND 1.6%
VTABX VANGUARD TOTAL INTERNTL BD INDX ADM 1.5%
SPAXX** FIDELITY GOVERNMENT MONEY MARKET 0.1%
CORE** FDIC-INSURED DEPOSIT SWEEP 0.0%
GRAND TOTAL 100.0%

Here’s the same list of assets broken out by retirement account type. Many funds are held among multiple accounts. 

Here’s the breakdown of index funds vs. managed funds, cash, and individual growth stocks in our six retirement accounts:

This is another chart further breaking down the asset types:

I prefer to make these charts in Excel. But I do also keep track of my asset allocations in Personal Capital. The software categorizes certain assets differently, which is why the numbers don’t line up exactly. It considers my REIT index funds as alternatives. 

Taxable Dividend Stock Portfolio

My dividend stock portfolio is the primary account that I’ve blogged about since the inception of RBD. Though I’m no longer reporting all of the specific transactions every quarter, I continue to share my portfolio holdings. 

The bulk of this portfolio resides in a taxable account at Fidelity. When the cash balance reaches $1,500-$2,000, I make a new investment to increase shares in an existing holding or initiate a position in a new stock. 

I also own ten stocks in a taxable account at M1 Finance. I invest $500 per month in these ten stocks and reinvest all the dividends. M1 Finance holdings are marked with an asterisks * in the table below. Read my M1 Finance review to understand how pie investing works. 

I select dividend stocks using various lists and valuation metrics. Specific resources I use include the Sure Dividend Newsletter, the Dividend Aristocrats list, and the Dividend CCC list.

Here’s current taxable dividend portfolio as of October 31st, 2019 (mobile users, scroll right):

Ticker # of Shares Annual Dividend Annual Income Yield YOC% Sector
AAPL 112.00 3.08 $ 344.96 1.24% 4.58% Technology
ABBV 100.00 4.72 $ 472.00 5.38% 16.23% Healthcare
ABT 100.00 1.28 $ 128.00 1.53% 4.90% Healthcare
ACN 25.00 3.20 $ 80.00 2.01% 3.98% Technology
ADM 60.00 1.40 $ 84.00 3.33% 3.92% Industrial
AFL * 16.18 1.08 $ 17.47 2.03% 2.21% Financial
BAC 419.00 0.72 $ 301.68 2.30% 4.61% Financial
BEN 30.00 1.04 $ 31.20 3.77% 2.37% Financial
BRK-B 11.00 - $ - 0.00% 0.00% Financial
CAH * 57.29 1.92 $ 110.25 3.84% 3.09% Healthcare
CL 24.00 1.72 $ 41.28 2.51% 2.74% Consumer
CLX 30.00 4.24 $ 127.20 2.87% 4.78% Consumer
COST 10.00 2.60 $ 26.00 0.88% 1.64% Services
CSX 100.00 0.96 $ 96.00 1.37% 3.37% Services
CVX 98.00 4.76 $ 466.48 4.10% 6.23% Energy
DCI 75.00 0.84 $ 63.00 1.59% 2.28% Industrial
DIS 40.00 1.76 $ 70.40 1.35% 1.63% Services
DOV 55.00 1.96 $ 107.80 1.89% 3.73% Industrial
EMR 108.00 1.96 $ 211.68 2.79% 4.01% Industrial
FLO 70.00 0.76 $ 53.20 3.50% 5.08% Consumer
GIS 100.00 1.96 $ 196.00 3.85% 4.04% Consumer
HAS 19.00 2.72 $ 51.68 2.80% 4.04% Consumer
HCP 80.00 1.48 $ 118.40 3.93% 3.85% Consumer
HP 100.00 2.84 $ 284.00 7.45% 6.47% Financial
IBM 20.00 6.48 $ 129.60 4.85% 4.41% Energy
ITW * 15.34 4.28 $ 65.67 2.54% 3.02% Technology
JNJ 35.00 3.80 $ 133.00 2.86% 3.94% Industrial
KO 254.00 1.60 $ 406.40 2.94% 5.48% Healthcare
LEG * 19.43 1.60 $ 31.09 3.12% 3.89% Consumer
LUV * 16.00 0.72 $ 11.52 1.28% 1.33% Industrial
MMM 20.00 5.76 $ 115.20 3.49% 3.85% Services
MO * 69.46 3.36 $ 233.39 7.50% 6.66% Industrial
MSFT 22.00 2.04 $ 44.88 1.42% 4.70% Consumer
NKE 20.00 0.88 $ 17.60 0.98% 1.61% Technology
O 90.00 2.72 $ 244.80 3.33% 6.11% Consumer
OZK 150.00 1.00 $ 150.00 3.56% 3.59% Financial
PG 39.00 2.98 $ 116.22 2.40% 3.68% Consumer
PH 45.00 3.52 $ 158.40 1.92% 3.24% Industrial
PM 60.00 4.68 $ 280.80 5.75% 5.85% Consumer
PPG * 6.87 2.04 $ 14.02 1.63% 1.83% Industrial
ROST * 7.65 1.02 $ 7.80 0.93% 1.17% Consumer
SBUX * 9.95 1.44 $ 14.33 1.70% 2.13% Services
T 190.00 2.04 $ 387.60 5.30% 6.37% Telecom
TGT 80.00 2.64 $ 211.20 2.47% 4.48% Services
THO 40.00 1.60 $ 64.00 2.53% 2.84% Consumer
TROW 60.00 3.04 $ 182.40 2.63% 3.84% Financial
UL 17.00 1.81 $ 30.77 3.01% 4.24% Consumer
UNP 15.00 3.88 $ 58.20 2.34% 5.15% Services
UTX 35.00 2.94 $ 102.90 2.05% 2.94% Industrial
V * 4.86 1.20 $ 5.84 0.67% 0.83% Financial
VFC 28.00 1.92 $ 53.76 2.33% 3.09% Consumer
VZ 194.00 2.46 $ 477.24 4.07% 6.64% Telecom
WBA 90.00 1.83 $ 164.70 3.34% 2.88% Services
WTR 109.00 0.94 $ 102.46 2.07% 3.58% Utilities
Total Dividends $ 7,498.47 2.80% * M1 Finance holding

 

Forward 12-Month Investment Income (F12MII, aka Forward Passive Income)

Here’s a newly formatted table for calculating forward income. I use this number to measure my passive income investments.

If I stopped earning a salary today, I’d expect to earn the F12MII as passive income in the following 12 months.

Other Forward Income Streams Yearly Income Average Monthly Income
Dividends $7,498.47 $624.87
Cash Savings $4,002.68 $333.56
Lending Club $42.10 $3.51
RE Crowdfunding $1,799.98 $150.00
Total Forward Annual Income 13343.24 1111.9367
 

And here’s the more familiar income received vs. project chart I’ve been updating and sharing since January 2015:

 

Total Combined Asset Allocation

Combining both my retirement and taxable enables me to look at our broader exposure to the markets. I use these charts to better understand my portfolio for annual rebalancing purposes. 

My target allocation is around 75%-80% stocks, 10%-15% bonds, and 5% (or less) cash.  

Here’s a shot of my current Personal Capital allocation quilt. This view includes alternatives and college savings, so the proportions are off compared to the pie charts above. It consider’s investments such as traded REITs and real estate crowdfunding assets as alternatives. 

Financial Independence Number

Lastly, I measure progress toward financial independence by tracking our annual expenditures and subtracting F12MII. 

I multiply that number by 25 to give me a target financial independence number. Once our invested assets (which excludes the equity in our home and college 529 savings) surpass our financial independence number, we’ve reached financial independence.

I also calculate our FI number against net worth. 

Based on this month’s numbers, we are 73.35% of the way toward reaching financial independence. 

 

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