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?

 

 

Please follow and like us:

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?

Please follow and like us:

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?

Please follow and like us:

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?

Please follow and like us:

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?

Please follow and like us:

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?

Please follow and like us:

Monthly Dividend Update

February is traditionally a slow month. Even though we have many monthy dividend payers, February is still not very exciting. But than again, this February 2017 Dividend Update is still pretty much positive due to the growth from last year.

We also purchased additional shares this month, which include:

  • 100 shares of RDSA; and,
  • Tons of DRIP shares including AAR.UN, CJR.B, PLZ.UN (which also raised it’s dividend!), CIX and several more

February Dividends

When we added up all the deposits into the bank accounts (and corrected for exchange rates), we received almost €342. That is a very respectable 59% YOY increase.

February 2017 Dividend Income

February 2017 Dividend Income

We also made a new graph showing the yearly dividend totals for 2015 and 2016, and a year-to-date dividend total for 2017. In the first 2 months for 2017 we already received more dividends than for the total 5 months of 2015. Now that is heading in the right direction! Granted, we only started with dividend growth investing in 2015. We sold all our RRSP (Registered Retirement Savings Plan) held ETF’s and started analysing and investing those funds into dividend stocks.

Yearly Dividend Totals

Yearly Dividend Totals

Dividend Stock Overview

Our dividend portfolio now contains 45 companies with a total of 10.699 shares and looks like this (up 3.701 shares from a year ago):

February 2017 Dividend Stock Overview

February 2017 Dividend Stock Overview

Dividend Sector Breakdown

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

February 2017 Dividend Stock Sector Allocation

February 2017 Dividend Stock Sector Allocation

How was your Febraury from a dividend perspective? Was it also a slow month for you?

Please follow and like us:

Monthly Dividend Overview

The January Dividend Update is usually a stable one as there are relatively few companies that pay in the first (and second) month of the year. However, we have many monthy dividend payers, so our distribution throughout the year is somewhat stable.

We also purchased some additional shares this month, which include:

  • 100 shares of AH
  • 100 shares of RDSA
  • 50 shares of UNA
  • Tons of DRIP shares including BCE, CWB, AAR.UN and many more

January Dividends

When we added up all the deposits into the bank accounts, we received a very respectable €544, that is a 61% YOY increase! That’s pretty good, would love to keep that going (despite knowing it is not sustainable…..)

Dividend Stock Overview

Our dividend portfolio now contains 45 companies with a total of 10.585 shares and looks like this (up 3.233 shares from a year ago):

Dividend Sector Breakdown

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

How was your January from a dividend perspective? Were you happy with the results?

Please follow and like us:

December 2016 Dividend Update

Another (dividend) year has come to a close, and what a year it was! We were able to pretty much reinvest all cash from sales of ETF’s. These were part of a company pension package, we did not like it and decided to sell at their highs in 2015 and start to manage ourselves. We also used some cash from our home sale to sink into (primarily) dividend stocks.

We reinvested the cash gradually over the course of one year, as we needed time to research and select stocks we think should help us in the long run. Albeit we made some mistakes and corrections, the portfolio we have now will remain and be slowly expanded in 2017.

For December 2016 we got just over €642 in dividends, which included a nice one-off bonus dividend from Evertz Technologies (ET). This (bonus) dividend was DRIP-ed and added 12 more shares to this holding. Nice! Purchases for the month included some 50 shares of AH (Ahold).

The usual breakdowns are provided below for your entertainment and curiosity:

The Dividend Portfolio

Our portfolio includes 45 companies with a total of 10307 shares and looks something like this:

The Sector Allocation

And if you breakdown by sector, it looks as follows (seems pretty diversified, but there is a bit more work to be done):

The total dividends received in 2016 was a very nice €5.591. Let’s see if we can increase that for 2017 ;-).

How was your Devember and the whole of 2016 from a dividend perspective? Were you pleased with the results?

Please follow and like us:

Another relatively steady, but good, month on the dividend side of our investments. We purchased some RDSA (100 shares) and AH (150 shares in two batches) in November, plus ongoing DRIPs for about 10 different companies, which added anywhere between 1-4 shares each. We currently own 10.222 share in various companies, that’s quite a lot!

The grand total for November is a very solid €434 in free money. This monthly dividend income is a YOY increase of about 191%. This percentage is going down steadily compared to previous months and will continue to do so going forward due to the slower (re)investment into dividend shares.

20161201-monthly-dividend

As you can see below, we finally bought back RDSA and AH in November as noted earlier, as well as added to our position in UNA. This time we are planning to keep them, potentially adding to the positions in the coming months. After that, we have to start looking into some new posistions. But these have to be European dividend stocks (for diversification and exchange rate reasons), ideas?

We now own shares in a total of 45 different companies, which are:

20161201-dividend-overview

When you allocate the stocks to the various sectors they represent and add them together into a plot, this is what you get (based on Market value as of COB November 30):

20161201-dividend-stock-by-sector

How did you do this month? Better or worse then expected? What did you buy? Did you also get some UNA and AH after the drop in share price over the last month?

Please follow and like us:

October was a relatively steady month on the dividend front. We purchased some UNA (100 shares, in two batches of 50 shares to profit from the steady drop in stock price) this month and got lots of free money. October yielded a very respectable €545 in dividends. This is a YOY return of about 298%. But as noted last months, this is mainly due to a large amount of cash that we reinvested over the last 16 months and not “organic” dividend growth. Albeit we are very curious to see what that is going to look like. Yield this year (to date), based on book value, is about 3.45%. With two more months to go, we should end up just over 4.1%.

   20161101-monthly-dividend

We currently own a total of 43 stocks and our portfolio looks like this:

 20161101-dividend-overview

When you dump everything into a pie chart, based on the sectors the shares represent, you find the below overview:

 20161101-dividend-stock-by-sector

We still have some work to be done, as we still need to purchase more stocks to shift the sector allocations, but that is a plan in development.

Please follow and like us:

September was a steady month on the dividend front, no purchases but lots of free money. However, an interesting trend developed over the last few months due to the steady increase in many stock prices. We generally had picked the number of stocks such that they would trigger automatic purchases each time dividend was paid. But as certain stocks have increase in value by more than 30% since we purchased them, this does not happen anymore. In short, we receive more and more cash into the account and we anticipate that by the end of the year we will have another €500-700 to buy a few more dividend shares (fees are about €7 per transaction).

September yielded a very nice €573 in dividends, yeah! Very exited about this. It actually is a YOY return of about 740%. But as noted last month, this is mainly due to a large amount of cash that we reinvested over the last 15 months and not “organic” dividend growth (that would have been really spectacular! But we are not magicians).

20160901-monthly-dividend

We currently own a total of 42 stocks, but due to the sale of RDSA shares after the dividend (in an attempt to make some capital gains and buy them back at a lower price, which by the way has backfired so far due to the OPEC agreed production level….) we now also dropped back below the “magic” number of 10.000 shares… bummer (just kidding).

20160901-dividend-overview

When you dump everything into a pie chart, based on the sectors the shares represent, you find the below overview. It’s not very well managed at this point as we would like less exposure to financial services stock and more to energy and consumer defence stocks (i.e. we have to buy some RDSA, UNA and AH in the next months).

20160901-dividend-stock-by-sector

How was your September? Did you get some money for doing absolutely nothing too?

Please follow and like us:

It’s official, we have no more cash to re-invest into dividend stocks from the original sale of our mutual funds. The plan is to keep on buying dividend stocks through DRIP’s and a few more when the market has a bad day and we have cash available. As of September, all newly purchased shares should start to provide dividends. So we are hoping for a record month….. will see (have not done the calculations just yet).

This is also the first month that we can report the YOY increase in dividends received, which is a whopping 690%. Unfortunately, this is not a reflection of our ability to invest, rather the result of a large cash pile being invested into dividend paying stocks over the period of about 12 months. Oh, and another record, we now officially own more than 10,000 shares in companies (fun record if you are a numbers geek, but does not mean a thing, really).

Here is an overview of our dividend stocks (we currently have 43 different stocks):

20160801 Dividend Overview

If you group the above dividend stocks by sector, the distribution of our portfolio is as follows (based on market value at close of markets on August 31, 2016):

20160801 Dividend Stock by Sector

Purchases for August include RDSA, BPY.UN and DRG.UN (the latter two are REIT’s).

How was your Month of August?

Please follow and like us:

With almost all of our cash pile now reinvested into dividend stocks, we have very limited ways to do more purchases (we also still purchase index funds, invest in crowdfunding and invest into real estate with new incoming funds). Most stocks are now on autopilot with various dividend reinvestment plans happening automatically. We will have the occasional purchase, but not many more than three to four per year (at around €1000-2500 each). The total dividend for July came in at just over €450. We also found a small error in the calculation for June dividend, which was corrected with a new total just under €700 (instead of above).

20160801 Monthly Dividend

Here is an overview of our dividend stocks (we currently have 40 different stocks):

20160801 Dividend Overview

We sold Ahold, Unilever and Shell already in both June and July, but do plan to buy back some of the stock in the coming months once we have a clear picture on the finances after our real estate transactions (we still have a few things to sort out).

If you group the above dividend stocks by sector, the distribution of our portfolio is as follows (based on market value at close of markets on July 31, 2016):

20160801 Dividend Stock by Sector

No new purchases were made in July.  How did you do last month?

Please follow and like us:

June 2016 was a fairly uneventful month (one purchase), but a winner from a dividend perspective! We have been able get another record month with well over €700 in dividends. The total dividend for the first half of the year is almost €2600, nice! (if we may say so ourselves).

20160701 Monthly Dividend

Here is an overview of our dividend stocks (we currently have 40 different stocks):

20160701 Dividend Overview

We currently don’t own any Ahold, Unilever or Shell anymore, but will again in the future, see more details below.

If you group the above dividend stocks by sector, the distribution of our portfolio is as follows (based on market value at close of markets on June 30, 2016):

20160701 Dividend Stock by Sector

In light of the recent property purchase we had set automatic triggers for various dividend shares in our Dutch brokerage account, which surprisingly all triggered the Thursday before Brexit. We bought back a bunch of shares on Friday morning and sold them again just before the end of June. We still received all dividends for June and made another 10% or so in capital gains. Now we are waiting to see how much money we will have left after reno’s and other moving as sales expenses before we start buying new dividend stocks (now we are just waiting for another buying opportunity).

We bought 450 shares of AAR.Un to increase our REIT portion of the portfolio. We also received 4 shares of Prairiesky Royalty Ltd, as a payment from Canadian Natural Resources (about $100 in cash that was used to purchase the shares). Not sure what we will do with these shares, but will keep for now (low dividend yield and not a company in which we would invest ourselves, so will keep for capital gains for now).

 

Please follow and like us: