Dividends, those little paychecks that companies send you just for owning their shares. Lovely isn’t it? Here is the update of all those little paychecks for July. Here is the July 2018 Dividend Update.

July 2018 Dividend Update

In an ongoing attempt to solidify our dividend portfolio and maintain only dividend growers and/or REIT’s that DRIP like crazy, we did some shuffling again. We bought companies we like and sold the ones we don’t.

The following stock(s) were reduced or disappeared from the portfolio:

  • 273 Shares of GLUSKIN SHEFF & ASSOC (payout ratio too high, not a dividend grower)
  • 373 shares of Corus Media (pending dividend cut)
  • 172 Shares of Evertz Technology (not a stable grower)
  • 55 Shares of Nutrien Ltd. (cleaning out shares in Mrs CF’s account, bought new in Mr. CF’s account)

With the proceeds (and cash) we made the following new purchases:

  • 20 shares of RBC
  • 70 shares of AGELLAN COMMERCIAL REIT
  • 51 shares of HIGH LINER FOODS INC
  • 30 shares of COGECO COMMUNICATIONS INC (new position)
  • 26 shares of Nutrien Ltd (to allow DRIP in Mr CF’s account)
  • 15 shares of CBIC
  • 10 shares of BMO
  • 12 shares of National Bank of Canada
  • 100 shares of DREAM GLB REIT
  • 40 shares of CDN APT PPTYS REIT
  • 75 shares of ALGONQUIN PWR&UTILITIES

Most of the number of shares were selected to keep the DRIPs going (saves investment fees in the long run, DRIPs are free).

Keen on some Canadian shares? Try this awesome list to see which companies might be of interest. Oh, don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend!

July Dividends

All the dividend deposits received into the bank accounts (and correct for exchange rates) sum up to a total dividend income of €563.90 for July.

Compared to last year we had an increase of 10.8%. If you purely look at the dividend increase in CAD (Canadian Dollars), we are up 14% compared to last year. 

The stats for last month:

July 2018 Dividend Update - Dividend Income

July 2018 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015, 2016, 2017 and the YTD for 2018. Despite selling many shares in 2017 (reinvested in Real Estate), we might actually beat 2016’s total this year! That’s still very good 🙂

July 2018 Dividend Update - Yearly Dividend

July 2018 Dividend Update – Yearly Dividend

Dividend Stock Overview

Our dividend portfolio now contains 35 companies with a total of 7.851 shares.

The portfolio looks like this:

July 2018 Dividend Update - Dividend Overview

July 2018 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

July 2018 Dividend Update - Sector Allocation

July 2018 Dividend Update – Sector Allocation

Compared to the previous update, we now no longer have any technology positions in our dividend portfolio.

 

How was your July on the dividend side of things?

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What I like about dividend investing is that once you have selected a few good companies, the rest is relatively easy. Yes, you need to keep an eye on your investments, and check how the companies are doing. But the money generally just keeps flowing in, how great is that! Here is the June 2018 Dividend Update (with catch-up from April and May)

June 2018 Dividend Update

The following stock(s) were reduced or disappeared from the portfolio:

  • 974 shares of AAR.UN (REIT): company was bought by an investment group and was delisted. Made a killing though! Nearly 80% profit 🙂
  • 150 shares of PJC.A (Consumables): company merged with the Metro group and was delisted. Albeit we were supposed to get MRU shares, we missed the exchange deadline (due to travels) and got the cash. Also a 30% profit.

We made no new purchases (since we were travelling and did not look at the account for almost 2,5 months!).

Keen on some Canadian shares? Try this awesome list to see which companies might be of interest. Oh, don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend!

April – June Dividends

All the dividend deposits received into the bank accounts (and correct for exchange rates) sum up to a total dividend income of €567,4 for April, €567,13 for May and €638,93 for June. Not bad!

Compared to last year (when we still had some Dutch share too) we changed by -23.6%, 34.9% and -34.3% for April to June respectively. Now that is what I call a rollercoaster!

However, when looking at the Canadian part of the portfolio (in CAD), we see the following changes: 18.2%, 34.6% and 13.9% increases. Now that is what I like to see, growing dividends! This is organic growth too, as we did not add to the accounts since 2016.

The stats for last month:

June 2018 Dividend Update - Dividend Income

June 2018 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015, 2016, 2017 and the YTD for 2018. Despite selling many shares in 2017, we might actually beat 2016’s total this year! That’s good.

June 2018 Dividend Update - Yearly Dividend

June 2018 Dividend Update – Yearly Dividend

Dividend Stock Overview

Our dividend portfolio now “only” contains 36 companies with a total of 8.124 shares. As noted in previous post(s) NTR is noted twice in this overview. This is due to the merger of POT and AGU (we each had one of these in our RRSP accounts). Since I’m lazy (and have the spreadsheets setup to provided an overview of both our accounts individually), this probably won’t change soon.

We generally try to keep the weight of individual companies within our portfolio below about 5%.

The portfolio looks like this:

June 2018 Dividend Update - Dividend Overview

June 2018 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

June 2018 Dividend Update - Sector Allocation

June 2018 Dividend Update – Sector Allocation

 

How did you do in June on the dividend side of things?

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The March 2018 Dividend Update is not as exciting as the one from February. We are getting close to being done with reshuffling the portfolio. From here on, there should only be a few small corrections. In the far future we may try to expand the dividend portfolio again, depends on stockmarket prices and cash-flow from our real estate..

March 2018 Dividend Update

The following stock(s) were reduced or disappeared from the portfolio:

  • 200 shares of CHW (Financial): sold some shares just before the big sell off due to poor performance results and no dividend growth.

We made the following new purchases:

  • 30 shares of CM (Financial): Diversification of investments into the Canadian banking sector with the CIBC bank, which we did not own yet.
  • 60 share in CAR.UN (REIT): the rise in interest rates made the whole REIT sector drop, which was a nice time to add new shares. This REIT adds more exposure to the residential sector.
  • 169 shares of AGU (REIT): see above.

Note, the REIT purchases are technically not dividend growth stocks (yet?!), but the monthly DRIP’s work very well too!

Keen on some Canadian shares? Try this awesome list to see which companies might be of interest. Oh, don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend!

March Dividends

All the dividend deposits received into the bank accounts (and correct for exchange rates) sum up to a total dividend income of €638.93. This is a decrease of 21.4% compared to last year. This is because we sold many RDSA/UNA shares last year to be able to do real estate investments, which made a big difference.

Unfortunately we saw another worsening of the EUR/CAD exchange rate in March too. In Canadian dollars the dividend actually grew by 11.1% from a year ago, which is really good!

One note, last month’s total was corrected downwards to €320.83, as one payment shifted into March. We therefore ended February with a small decline in total dividends received (in € anyways), instead of a small increase.

The stats for last month:

March 2018 Dividend Update - Dividend Income

March 2018 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015, 2016, 2017 and the YTD for 2018. We received €1.490.44 in dividends so far for 2018. Very happy with that result! And no, we are not going to get to 2017 in terms of dividend income.

March 2018 Dividend Update - Yearly Dividend

March 2018 Dividend Update – Yearly Dividend

Dividend Stock Overview

Our dividend portfolio now contains 38 companies with a total of 9.150 shares. As noted in previous post(s) NTR is noted twice in this overview. This is due to the merger of POT and AGU (we each had one of these in our RRSP accounts). Since I’m lazy (and have the spreadsheets setup to provided an overview of both our accounts individually), this probably won’t change soon.

We generally try to keep the weight of individual companies within our portfolio below about 5%.

The portfolio looks like this:

March 2018 Dividend Update - Dividend Overview

March 2018 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

March 2018 Dividend Update - Sector Allocation

March 2018 Dividend Update – Sector Allocation

 

How did you do in March on the dividend side of things?

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February was an eventful month, lots of price swings and volatility. We decided to use some of this to rebalance the portfolio a bit more in an attempt to get more dividend growth shares. Here is what we did: the February 2018 Dividend Update.

February 2018 Dividend Update

The following stocks were reduced or disappeared from the portfolio:

  • 171 shares of CIX (Financial company): we had a rather large position in this company to allow monthly DRIP’s. But found the position a bit too large, so we reduced and took some profit.
  • 128 shares of FTT (Finning); this stock went through the roof over the last year. Why sell? Because we had the opportunity to make a good profit (70%!) and reinvest in other shares that were better priced (think utilities and REIT’s). It also increased our portfolio yield while maintaining the money in dividend growth shares. Still think the company is a good buy, and if price come down, we might just do that.

We made the following new purchases:

  • 50 shares of EMA (Utility): increase position upon price drop
  • 50 shares of FTS (Utility): also added to the position during price drop
  • 100 shares of H (Utility): see above 🙂
  • 90 shares of H&R (REIT): the rise in interest rates made the whole REIT sector drop, which was a nice time to add some shares. (Note, this is not a dividend growth stock, but the monthly DRIP’s work very well too!)

Interested in Canadian shares? Try this awesome list to see which companies might be of interest.

Oh, don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend!

February Dividends

All the dividend deposits received into the bank accounts (and correct for exchange rates) sum up to a total dividend income of about €368.89. This is respectable increase of 7.6% compared to last year. Unfortunately we did see another worsening of the EUR/CAD exchange rate in February. In Canadian dollars the dividend actually grew by 19.7% from a year ago. Now that is dividend GROWTH investing 🙂

The stats for last month:

February 2018 Dividend Update - Dividend Income

February 2018 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015, 2016, 2017 and the YTD for 2018. We received €917 in dividends so far for 2018.

February 2018 Dividend Update - Yearly Dividend

February 2018 Dividend Update – Yearly Dividend

Dividend Stock Overview

Our dividend portfolio now contains 36 companies with a total of 8.954 shares. The ones with a keen eye among you will see NTR noted twice in this overview, this is due to the merger of POT and AGU (we each had one of these in our RRSP accounts). Since I’m lazy (and have the spreadsheets setup to provided an overview of both our accounts individually), this probably won’t change soon.

We generally try to keep the weight of companies within our portfolio below about 5%.

The portfolio looks like this:

February 2018 Dividend Update - Dividend Overview

February 2018 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

February 2018 Dividend Update - Sector Allocation

February 2018 Dividend Update – Sector Allocation

I’m reasonably happy with the distribution, but there is still some work to do. Since markets change, rebalancing will be an ongoing theme.

 

How did you do in February?

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A lot happed in the month of January. As noted in last months update, we decided to rebalance the dividend portfolio and remove shares that no longer fitter the portfolio and the dividend growth strategy.  Here is the January 2018 Dividend Update.

January 2018 Dividend Update

What’s changed in January on the dividend front? The following shares disappeared from the portfolio:

  • POT (Potash) & AGU (Agrium): these merged and are now Nutrien LTD (NTR). The shares of  both companies where exchanged for NTR shares, and plummeted next…… Not really creating any shareholder value at this point. To maintain exposure to this basic materials sector we will keep the shares for now. We are also curious to see how the dividends will develop.
  • WJA (WestJet – Airlines): this was not really a good growth stock (sensitive to the economic cycles) and we were able to sell with a profit, so we did.
  • LIQ (Liquor stores): another non dividend growth stock (heck, it cut dividend a couple years back). One of our “chasing yield” stocks from when we started. Now that the share price had recovered, it was time to sell and reinvest the profits.

We also made some new Purchases:

  • REI.UN (RioCan): not really a “dividend growth stock” but it was battered recently due to the rising interest rates. It made for an interesting buy. It’s a REIT and a monthly dividend payer. With the Canadian REIT’s there are very few dividend growth stocks. However, due to their relatively high yield and monthly DRIP’s, they still are in interesting dividend “growth” investment. Plus, we want to have some real estate exposure and diversification too.
  • We also increased our existing positions with new share purchases of CU, H and FTS (all utilities).

We now do have some cash that we need to deploy and are evaluating this awesome list to see which positions we need to grow or start.

Oh, don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend!

January Dividends

All the dividend deposits received into the bank accounts (and correct for exchange rates) sum up to a total dividend income of about €522,5. This is a decrease of 4.1% compared to last year. However, this is all caused by a significant exchange rate fluctuation compared to a year ago. In Canadian dollars the dividend actually grew by 4% from a year ago. See, it’s still dividend GROWTH investing 🙂

The stats for last month:

January 2018 Dividend Update - Dividend Income

January 2018 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015, 2016, 2017 and the YTD for 2018. We thus received €522,50 in dividends in 2018.

January 2018 Dividend Update - Yearly Dividend

January 2018 Dividend Update – Yearly Dividend

Dividend Stock Overview

Our dividend portfolio now contains 37 companies with a total of 9.044 shares. The ones with a keen eye among you will see NTR noted twice in this overview, this is due to the merger of POT and AGU (we each had one of these in our RRSP accounts). Since I’m lazy (and have the spreadsheets setup to provided an overview of both accounts individually), this probably won’t change albeit we would like to sell on of the two positions.

The portfolio looks like this:

January 2018 Dividend Update - Dividend Overview

January 2018 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

 

January 2018 Dividend Update - Sector Allocation

January 2018 Dividend Update – Sector Allocation

 

How did you do in January?

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The December 2017 Dividend Update is commonly one that stands out, in a positive way, right? But not this year! Since we have been shuffling money around from stocks into real estate, we actually ended up going down. Let’s have a look, shall we?

Monthly Dividend Update

As noted in previous posts, we have sold all our core Dutch dividend shares now (RDS, UN and AH). But we still received the dividend from UN (for 200 shares). We now only hold dividend shares in our Canadian pension accounts. The one-year plan is to focus on the real estate side of things and keep the current asset distribution for now.

We are also planning to “clean up” the dividend shares within the Canadian pension accounts. We need to focus on actual dividend growth shares (and stop chasing yield). So we did a “detailed” assessment for 2017 with the following results:

  • We now have 39 different Canadian shares;
  • 28 of these continued to raise their dividends (keep these and expand positions!);
  • 9 did not change their dividends (primarily REITs, which we will keep for DRIPs; others we will sell); and,
  • unfortunately 2 cut their dividends (sell these!).

The short term goal is to sell 3 stocks (CJB, WJA and ET; at set trigger levels) that maintained their dividends. One stock that cut their dividend (POT) is now already converted into a new stock, which we will hang on to for now. The other stocks are still under review.

The money received will be redeployed into new positions or will be used to increase positions in actual dividend growth stocks.

Oh, don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend!

December Dividends

All the dividend deposits received into the bank accounts (correct for exchange rates) sum up to a total dividend income of about €588. This is a decrease of 6.0% compared to last year. Still overall dividends for the year grew by 29.3%!

The stats for last month:

December 2017 Dividend Update - Dividend Income

December 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015, 2016 and our final dividend total for 2017. We received over €7220 in dividends in 2017. But we are not going to get close to this in 2018! The sale of the Dutch shares will make sure of this.

December 2017 Dividend Update - Yearly Dividend

December 2017 Dividend Update – Yearly Dividend

Dividend Stock Overview

Our dividend portfolio contains 39 companies with a total of 9.520 shares (down 787 shares from a year ago). As of January 2018, without any buys or sells, we will have 38 as POT and AGU will merge into one company.

The portfolio looks like this:

December 2017 Dividend Update - Dividend Overview

December 2017 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

December 2017 Dividend Update - Sector Allocation

December 2017 Dividend Update – Sector Allocation

 

How did you do in the final month of December?

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How about a November 2017 Dividend Update? Not really a month that stands out, but we still have quite a few monthly payers that even make this month interesting.

Monthly Dividend Update

We had a sell order in place for UFS (Domtar Corp) that triggered on the last day of the month. It’s not a bad company, but we found that our position (in terms of value) was a bit too high for our likings. If the price would come down again, we might pick it back up. In the mean time we will spread some of the proceeds around to other companies that have more growth potential (both in value as well as in dividend growth).

One monthly dividend payer (temporarily?) stopped paying, being LIQ (liquor stores). They are not doing well and have already cut their dividend big time a while back. They are also restructuring and have been selling their US assets. We have previously unloaded some of these shares and are considering to now sell the remaining shares.  Perhaps it’s time to take our losses and move on? We are considering to wait a while to see if the restructuring causes share price increase.

We continued to DRIP as many shares as possible (no fees and some share price discounts!). These include the usual monthly dividend payers such as (and a few quarterly payers too such as BMO, RBC, FTT and EMA):

  • AAR.UN (REIT);
  • CJR.B (Communication Services);
  • CIX (Finance);
  • DRG.UN (REIT);
  • SJR.B (Communication Services);
  • HR.UN (REIT); and,
  • PLZ.UN (REIT).

Don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend.

November Dividends

All the dividend deposits received into the bank accounts (correct for exchange rates) sum up to a total dividend income of about €422. This is an decrease of about 2.8% compared to last year. Wait, what? A decrease? Yes, but this is only driven by the exchange rate, in CAD terms we actually saw an increase of 4.8% in YoY dividend increases. We are not worried yet 😉

The stats for last month:

November 2017 Dividend Update - Dividend Income

November 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. It’s starting to really look pretty, doesn’t it? We should crack that €7.000 barrier by the end of the year. However, because we sold RDSA before the dividend record date, the December dividend income will be significantly lower than last year.

November 2017 Dividend Update - Yearly Dividend Overview

November 2017 Dividend Update – Yearly Dividend Overview

The “Dutch” dividend income (AH and UNA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

Dividend Stock Overview

Our dividend portfolio contains 42 companies with a total of 11.208 shares (up 986 shares from a year ago).

It looks like this:

November 2017 Dividend Update - Dividend Overview

November 2017 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

November 2017 Dividend Update - Sector Allocation

November 2017 Dividend Update – Sector Allocation

How was your dividend income, any good surprises for you too?

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Good morning (or whatever time of the day you are reading this), we got a pretty juicy October 2017 Dividend Update!

Monthly Dividend Update

It was a bit of a wild month. We had been eyeing several Real Estate opportunities for a while. To be able to know with certainty how much money we would have, we decided to liquidate a portion of the Dutch dividend shares. We sold shares that made a bit of a profit, including ABN, RDSA and BOS. In case of RDSA, we should have kept them a little longer as they skyrocketed the last few weeks. But hindsight is 20-20 and we did not know if the opportunity would materialize quickly! Unfortunately it didn’t, but that’s ok. You win some, you loose some, at least we still have the cash ready to be deployed.

We will likely also sell the UN and AH shares too and transfer into other (higher yielding) cash-flow investments. Once that cash-flow is ongoing, we will like start to re-invest into dividend shares and/or index funds. The jury is still out on this one, it also depends on what the market is doing.

We continued to DRIP as many shares as possible (no fees and some share price discounts!). These include the usual monthly dividend payers such as (and a few quarterly payers too such as BNS, AQN, AGU and GS):

  • AAR.UN (REIT);
  • CJR.B (Communication Services);
  • CIX (Finance);
  • DRG.UN (REIT);
  • LIQ.UN (Consumer Staples);
  • SJR.B (Communication Services);
  • HR.UN (REIT); and,
  • PLZ.UN (REIT).

Don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend.

October Dividends

All the dividend deposits received into the bank accounts (correct for exchange rates) sum up to a total dividend income of almost €730. This is an increase of about 33.9% compared to last year. This is mainly driven by a special dividend from GS (a Canadian financial institution for high net worth individuals). This added a whopping €181 to the total dividend. We very much approve!

The stats for last month:

October 2017 Dividend Update - Dividend Income

October 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. Yes, we beat our income from 2016, with two more months to go!

October 2017 Dividend Update - Yearly Dividend Overview

October 2017 Dividend Update – Yearly Dividend Overview

The “Dutch” dividend income (AH, ABN, BOS, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

Dividend Stock Overview

Our dividend portfolio now contains 43 companies with a total of 11.472 shares (up 1.575 shares from a year ago).

It looks like this:

October 2017 Dividend Update - Dividend Overview

October 2017 Dividend Update – Dividend Overview

Big note here as I was not able to record all stock values around month end. The above is a snap shot with the majority of the share values as per close of business on October 16.

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

October 2017 Dividend Update - Sector Allocation

October 2017 Dividend Update – Sector Allocation

 

How was your October dividend income, any good surprises for you too?

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Quick look at the September 2017 Dividend Update, which was good as you can imagine as many companies pay in September.

Monthly Dividend Update

Not much to report, no purchases or selling this month. We continue to DRIP as many shares as possible (no fees and some share price discounts!). These include the usual monthly dividend payers such as (and a few quarterly payers too such as RDS.A and UN):

  • AAR.UN (REIT);
  • CJR.B (Communication Services);
  • CIX (Finance);
  • DRG.UN (REIT);
  • LIQ.UN (Consumer Staples);
  • SJR.B (Communication Services);
  • HR.UN (REIT); and,
  • PLZ.UN (REIT).

Don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend.

September Dividends

All the dividend deposits received into the bank accounts (correct for exchange rates) sum up to a total dividend income of almost €842. This is an increase of about 46.3% compared to last year. This is mainly driven by having a position in ABN and way more RDS.A shares this year. So it’s not a very representative increase.

The stats:

September 2017 Dividend Update - Dividend Income

September 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. We are so close to matching last year’s dividend income!

The “Dutch” dividend income (AH, ABN, BOS, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

September 2017 Dividend Update - Yearly Dividend Overview

September 2017 Dividend Update – Yearly Dividend Overview

 

Dividend Stock Overview

Our dividend portfolio still contains 46 companies with a total of 12.198 shares and looks like this (up 2.301 shares from a year ago):

September 2017 Dividend Update - Dividend Overview

September 2017 Dividend Update – Dividend Overview

Big note here as I was not able to record all stock values around month end. The above is a snap shot with the majority of the share values as per close of business on October 16.

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

September 2017 Dividend Update - Sector Allocation

September 2017 Dividend Update – Sector Allocation

 

How was your September dividend income, were you happy too?

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The month of August is typically not a month with a high dividend income. However, now that our portfolio is starting to really grow, we still had a very decent income. Let take a look at the August 2017 Dividend Update.

Monthly Dividend Update

With AH taking another dive this month, we added yet more shares to the position and are now at 800 shares (and losing money on paper….). The business is generally good, albeit upcoming heavy competition from the US is not helping. The share price has dropped about 30% from its high a few months back, and we have been buying on the way down. Probably not a bad moment in time to buy this stock, albeit it will go down further if we get another crisis (North Korea anyone?).

We continue to DRIP as many shares as possible (no fees and some share price discounts!). These include the usual monthly dividend payers such as AAR.UN, CJR.B, DRG.UN, LIQ.UN, HR.UN, PLZ.UN, CIX and SJR.B. We also dripped a few others including EMA, MIC and POT.

Don’t forget to check out the community updates at the Dividend Diplomats and Easy Dividend.

August Dividends

All the dividend deposits received into the bank accounts (correct for exchange rates) sum up to a total dividend income of ~€378. That is pretty neat! It’s actually an increase of about 6.6% compared to last year. This is not stellar, but at least it’s an increase!

Talking about an increase, we were a bit too soon with posting last months’ dividend update. There were some dividends that came in late and where higher then anticipated. In short, last months total dividend has been revised to €499.30. The YOY increase for July therefore jumped to 9.5%.

August 2017 Dividend Update - Dividend Income

August 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. We are slowly creeping up towards the total for 2016. It’s not unlikely that we will hit this by next month!

The “Dutch” dividend income (AH, ABN, BOS, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

August 2017 Dividend Update - Yearly Dividend Overview

August 2017 Dividend Update – Yearly Dividend Overview

Dividend Stock Overview

Our dividend portfolio still contains 46 companies with a total of 12.133 shares and looks like this (up 2.089 shares from a year ago):

August 2017 Dividend Update - Dividend Overview

August 2017 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

August 2017 Dividend Update - Sector Allocation

August 2017 Dividend Update – Sector Allocation

 

Are you satisfied with you August Dividend Income? How much free money did you get?

 

 

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Yeah, we are a crazy bunch here at Cheesy Finance, we switched the Dividend and Savings Rate posts! Let’s first look at the money received before we start looking at the money spent :-). After a record month in June, July was a bit quieter on the dividend income side. Please follow along for the July 2017 Dividend Update.

Monthly Dividend Update

No new share purchases this month, as we are keeping our powder try for some new real estate. But if no opportunity arise in the next couple of months, we will turn around and start to buy more dividend shares.

We also sold 4 shares of PSK, which we had received as part of a dividend payment by CNRL. We made a handsome 15% profit on these shares within about a year (including fees), so happy with that result. The money will be invested elsewhere once we hit about $1.000 in cash in the RRSP account.

Obviously we had tons of DRIP shares including the usual monthly dividend payers such as AAR.UN, CJR.B, DRG.UN, LIQ.UN, HR.UN, PLZ.UN, CIX and SJR.B. We also dripped a few others including UFS, RCI.B, AQN and TCL.A.

Life was good this month 🙂

July Dividends

Once we added up all the deposits received into the bank accounts (and correct for exchange rates), the total comes to about ~€490. That’s pretty good!  It is also a 7.6% increase from a year ago. This is not very spectacular, but not bad either.

July 2017 Dividend Update - Dividend Income

July 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. We are creeping up nicely towards the total for 2016.

The “Dutch” dividend income (AH, ABN, BOS, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

July 2017 Dividend Update - Yearly Dividend Overview

July 2017 Dividend Update – Yearly Dividend Overview

Dividend Stock Overview

Our dividend portfolio still contains 46 companies with a total of 11.815 shares and looks like this (up 1.771 shares from a year ago):

July 2017 Dividend Update - Dividend Overview

July 2017 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

July 2017 Dividend Update - Sector Allocation

July 2017 Dividend Update – Sector Allocation

 

How was your July? Was it slow and steady too?

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We have another winner! June 2017 will go into the Cheesy Index history books as the highest income month to date! Let’s quickly have a look at the June 2017 Dividend Update.

Monthly Dividend Update

The following shares were added last month:

  • 200 AH shares, the dip after the Whole Foods news was an opportunity to average down.

We also have tons of DRIP shares including AAR.UN, CJR.B, DRG.UN, PLZ.UN, CIX, SJR.B and many more! Lot’s of payers in June.

Do also keep your eye on the Dividend Diplomats for an always amazing DGI income summary from various other bloggers.

June Dividends

Once we added up all the deposits received into the bank accounts (and corrected for exchange rates), the total comes to almost ~€885. That is a 26.9% increase from a year ago.

June 2017 Dividend Update - Dividend Income

June 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. We are rapidly creeping up to the complete dividend income for 2016! Just about €1835 to go, which will take about 4 months or so.

The “Dutch” dividend income (AH, ABN, BOS, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

June 2017 Dividend Update - Yearly Dividend Overview

June 2017 Dividend Update – Yearly Dividend Overview

Dividend Stock Overview

Our dividend portfolio still contains 47 companies with a total of 11.793 shares and looks like this (up 2.574 shares from a year ago):

June 2017 Dividend Update - Dividend Overview

June 2017 Dividend Update – Dividend Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

June 2017 Dividend Update - Sector Allocation

June 2017 Dividend Update – Sector Allocation

 

How was your June? Did you also have a record month?

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After the stellar March and April dividend updates, we were due for another slower month. At least, that is what we thought! But we were surprised by the results. Here is the May 2017 Dividend Update.

Monthly Dividend Update

The following shares were added last month:

  • 100 H (Hydro One – Canadian Utility provider)
  • 100 BOS (deviated from the rules here, not a great move! So this one may sting a bit. Will use for options and its dividend in June)
  • 100 ABN (also for options trading and it’s dividend in June)

We also have tons of DRIP shares including AAR.UN, CJR.B, DRG.UN, PLZ.UN, GS, CIX, SJR.B and a few more.

We also sold about 150 of LIQ (had over 500 shares). We had the option to sell with a limited loss and reinvest into better growth shares. LIQ is the largest liquor retailor on the Toronto stock exchange. Always had a very high dividend, but cut to a third a while back due to issues in Alberta. This was one of our first purchases when we started investing in dividend stock, but not one of our best selections. Should have paid more attention on the pay-out ratio! Lesson learned.

Oh, and keep your eye on the Dividend Diplomats and the Predictable Snowball for great DGI income summaries from various other bloggers.

May Dividends

Once we added up all the deposits received into the bank accounts (and corrected for exchange rates), the total comes to: ~€420. That is a 33.3% increase from a year ago. Pretty happy with that.

May 2017 Dividend Update - Dividend Income

May 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. We are now over half way the 2016 income and we are not even half way the year!

The “Dutch” dividend income (AH, ABN, BOS, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

May 2017 Dividend Update - Yearly Dividend Overview

May 2017 Dividend Update – Yearly Dividend Overview

Dividend Stock Overview

Our dividend portfolio still contains 47 companies with a total of 11.292 shares and looks like this (up 1.651 shares from a year ago):

May 2017 Dividend Update - Share Overview

May 2017 Dividend Update – Share Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

May 2017 Dividend Update - Sector Allocation

May 2017 Dividend Update – Sector Allocation

How was your May? Did you have a bit of a surprise too?

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Monthly Dividend Update

April was a great month, primarily because of one company Ahold (AMS.AD). This yearly paying dividend stock provided about a third of the total dividend income!

We also added a few shares last month, to be precise:

  • 200 AH (could not resist the dip right before the ex-dividend date)
  • 200 RDS (of which 100 due to an option contract)

We also have tons of DRIP shares including AAR.UN, CJR.B, DRG.UN, PLZ.UN, CIX, SJR.B and a few more.

Furthermore we also sold a few shares, primarily because of tax reasons. BP.UN was causing us some tax headaches with the US, so we sold this stock to prevent further issues. We even sold for a profit! Now just need to find a spot to put this cash.

Oh, and keep your eye on the Dividend Diplomats and the Predictable Snowball for great DGI income summaries from various other bloggers.

April Dividends

When we added up all the deposits into the bank accounts (and corrected for exchange rates), we received over €730. Nice! That is an amazing 114.2% YOY increase. Thank you Ahold :-).

April 2017 Dividend Update - Dividend Income

April 2017 Dividend Update – Dividend Income

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. We are now creeping up to be half way the 2016 by the end of May.

The “Dutch” dividend income (AH, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

April 2017 Dividend Update - Yearly Dividend Overview

April 2017 Dividend Update – Yearly Dividend Overview

Dividend Stock Overview

Our dividend portfolio still contains 44 companies with a total of 11.071 shares and looks like this (up 2.754 shares from a year ago):

April 2017 Dividend Update - Share Overview

April 2017 Dividend Update – Share Overview

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

April 2017 Dividend Update - Sector Allocation

April 2017 Dividend Update – Sector Allocation

How was your April? Happy with the amount of “free” money that you received?

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Monthly Dividend Update

March is a great month, lot’s of “our” companies are paying dividends. A quick look around in the DGI community shows we are not alone in having a really good dividend income last month! Keep your eye on the Dividend Diplomats and the Predictable Snowball for great DGI summaries.

We did not buy any new shares last month, but we did have tons of DRIP shares including AAR.UN, CJR.B, PLZ.UN, CWB, ET, POW, CIX and a few more.

March Dividends

When we added up all the deposits into the bank accounts (and corrected for exchange rates), we received almost €812, a new record! That is a very respectable 18% YOY increase. The somewhat “limited” increase is because of a special dividend we received last year (~€70) from ET and we have fewer RDSA shares than last year too. However, the trend is upward and that is what really matters. Looking at the graph below, I’m already excited about June. Curious to see if we can break the €850 barrier! April is also poised to see a massive jump as AH (Ahold) will be paying it’s yearly dividend.

March 2017 Monthly Dividend Overview

March 2017 Monthly Dividend Overview

The graph below is showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. In the third month of 2017 we already received more dividends than for the whole of 2015. Cool 🙂 The “Dutch” dividend income (AH, UNA and RDSA) are all after taxes (15%). The rest are held in RRSP’s and are not taxed (we will pay withholding tax when we withdraw from the account, but the dividends are not taxed themselves).

March 2017 Yearly Dividend Overview

March 2017 Yearly Dividend Overview

Dividend Stock Overview

Our dividend portfolio still contains 45 companies with a total of 10.737 shares and looks like this (up 3.739 shares from a year ago):

March 2017 Dividend Portfolio

March 2017 Dividend Portfolio

Dividend Sector Breakdown

When you breakdown the previously shown dividend stock overview by sector, it looks as follows:

March 2017 Dividend Sector Breakdown

March 2017 Dividend Sector Breakdown

How was your March from a dividend perspective? Did you have a stellar dividend income too?

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