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.

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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?

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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?

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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?

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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).

 

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May was a moderately good month in terms of dividend (but with so little history, it really is hard to tell). We kept adding shares with the available cash, but we are running out of the original cash available from the account switch. Each month the Dividend is a bit of a surprise due to the ex-dividend dates of the new shares (and existing shares if we bought extra) that we don’t always keep track of carefully.

20160601 Monthly Dividend

Here is an overview of our dividend stocks (we currently have 40 42 different stocks):

20160601 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 May 31, 2016):

20160601 Dividend Stock by Sector

Purchases of the month of May include AAR.UN, GS, CIX, EMA, TCL.A and BCE. Shares were bought as new positions and averaging down on existing ones or buy extra shares to keep the DRIP’s optimal (i.e. buy as many shares as possible per dividend payment).

We also sold MRD (Melcor Developments), a real estate company focussing on building construction. It had lowered dividend payments and was not a good fit with the portfolio.

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First off, there was upward correction for the March number as one dividend payer came in early and shifted into March instead of April where it was assumed (plus made a mistake with the exchange rate). So the total for March came in at just over €681, wow, that really was a good month!! As we have several shares that register on one of the last days of the month. We (try to) wait until we have received all dividends into the investment accounts before we report the final income from Dividends, but sometimes pull the trigger too soon to give you guys an update 😉

Dividend Income Update

April was a good month in terms of dividend, but it was dwarfed a bit by the amazing month of March. Still a very healthy number as you can see below:

20160501 Monthly Dividend

Dividend Stocks

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

20160501 Dividend Overview

April 2016 Dividend Stock Overview

Market Sectors

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 April 30, 2016):

20160501 Dividend Stock by Sector

Dividend Stock by Sector

As you can see, the sale of RDSA last month (which was a stupid move in hindsight, capitalized too soon on some capital gains and the stock remained very strong during the months, so no opportunity to buy it back yet….) drove down the energy sector allocation a lot. However, we did end up buying some UNA and AH, as well as AGU.to and AQN.to last month. Increasing the consumer defensive, basic materials and utilities in the dividend sector allocations.

 

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First off, a small correction for the February number, it was adjusted downwards as one set of newly purchased stocks registered after the dividend cutoff, so that first new dividend won’t come in until May (it was only about 9 euro’s, so not too bad). We have several shares that register on one of the last days of the month. We (try to) wait until we have received all dividends into the investment accounts before we report the final incomes from Dividends.

As you can see below, March was a killer for us! Mainly due to RDSA, which contributed about €153 to the total (after taxes) and a (one time) bonus dividend of ~€65 from the Chesswood Group. Nice unexpected surprise!

Below you can find a quick overview of the total monthly dividend payouts for 2015/2016:

Here is an overview of our dividend stocks (we currently have 37 36 different stocks):

20160401 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 March 31, 2016):

20160401 Dividend Stock by Sector

So, what happened in March? Well no new stock purchases, that is for sure. However, we did sell both UNA and RDSA right after we received their dividends. Why? Simply because we wanted to capitalize on some of their capital gains due to share price increases (ended up making about +10% on the UNA shares after fees).

However, last Friday and last Tuesday the market on Amsterdam got a hit, and we ended up buying both stocks back (in multiple transactions) with a discount between 3.5-6.5% compared to the highs we sold them for earlier. We only did this after re-evaluating our cash position for our pending Real Estate adventure and realizing March had a good run upwards. We are not really the gambling types, but will try to capitalize on an opportunity if it presents itself 😉

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Its time for another overview of our dividend stock portion of our wealth portfolio.  And Boy, was I wrong last month, stating that it was a quiet month…. The quiet month appears to be February ;-). Albeit, we still managed to receive a very nice €225,37 in dividends during this month!  Most of this has already have been reinvested into new shares by various Dividend ReInvestment Programs (DRIPs), which will continue to increase the portfolio.

However, this time I have done my homework and looked forward to see how March is shaping up, and it should be a very nice one that should dwarf all previous months. But let’s not get ahead of ourselves here, first the February overview.

Below you can find a quick overview of the total monthly dividend payouts for 2015/2016:

20160301 Monthly Dividend

Here is an overview of our dividend stocks (we currently have 37 different stocks):

20160301 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 February 29, 2016):

20160301 Dividend Stock by Sector

During the dip at the beginning of February we were able to buy a whole bunch of shares with available cash. In total we invested a whopping €19.000, all purchases were triggered by shares dropping below our set limits (so no timing of purchases here). We have already set new limit orders for the next sets of shares, in case the market decides to have another hiccup.

We loved the mayhem at the beginning of this month, as you can imagine, and ended up buying shares in (amongst others) Unilever, Canadian Utilities, Corus Media, Fortis, Royal Canadian Bank and Plaza Retail REIT. These positions were selected to either average down or start new positions to further diversify our portfolio. They were generally Canadian Dividend “Contenders” or “Champions” with dividend streaks of 10+ years of increasing dividends, higher yields and high(er) chowder values.

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Below is an overview of our dividend stock portion of our wealth portfolio.  It has been a good month for dividends, especially considering that the months of January/April/July/October are somewhat “slower”.

Below you can find a quick overview of the total monthly dividend payouts for 2015/2016:

20160129 Monthly Dividend

Here is an overview of our dividend stocks:

20160129 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 January 29, 2016):

20160129 Dividend Stock by Sector

No updates to report, we only bought one new dividend stock (High LIner Foods) in January (we should have bought more, but were to busy dealing with the flu and missed the whole “dip”….aagh).

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Below is an overview of our dividend stock portion of our wealth portfolio.  It has been a good month for dividends (i.e. another increase).

Below you can find a quick overview of the total monthly dividend payouts for 2015:

20160101 Monthly Dividend

Here is an overview of our dividend stocks:

20151231 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 December 31, 2015):

20151231 Dividend Stock by Sector

Major updates include the selling of VOPAK and ABN Amro, as we needed to make sure we had sufficient cash on had for a pending real estate transaction, which unfortunatly fall through. However, now we can reinvest into another couple of stocks that fit better within the portfolio. The good thing is that we did make some good capital gains on both stocks!.

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Below is an overview of our dividend stock portion of our wealth portfolio.  It has been a good month for dividends (i.e. another increase), but there are also some concerns with the portfolio regarding certain stocks (albeit not completely unexpected, it still is worrisome).

Below you can find a quick overview of this month’s total dividend payout:

20151201 Monthly Dividend

Here is an overview of our dividend stocks:

20151130 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 November 30, 2015):

20151130 Dividend Stock by Sector

As you can see in the dividend overview there are several stocks that have not done so well since purchase (understatement…). One is of them is NewAlta Corporation, an engineering and environmental firm working in the oil and gas industries, another example is Liquor Stores N.A. Ltd.

When we bought the shares, they were off their peaks by about 50-70%, so a few months back we thought that this was a good time to buy (and they seemed a nice addition to a balanced portfolio). Turns out we were too fast in purchasing these stocks at they have now plummeted even further, primarily as a result to the continuing drop in oil prices and negative sentiment in their main market area (read Canada’s oil province Alberta).

These stocks were fairly high dividend payers to begin with, but are now either reducing their dividend or considering it (still good yields though!). As oil prices are cyclical, and assuming the companies are strong enough to survive low oil prices for a while (both have been around for 20-25 years), the stock price and dividends should rebound in the future.

We try to keep a long term outlook here, selling now would just be a kneejerk reaction and would most likely do more harm than good. But as you can imagine, it does not feel good and scares the hell out of us.

Too bad this article came too late….. (still, we should have known better)

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This should be the first post in (hopefully) a long (or short?) series of updates on our way to financial independence. As noted here, we had some difficulties deciding which assets we would use to become financially independent. We saw upsides and downsides in all types of assets, so we decided to try them all.

This post series will be solely dedicated to our dividend stocks and will cover dividend income, purchase of dividend stocks and ultimately year over year increases.

So without further ado, please find below an overview of our dividend stocks:

20151120 Dividend Overview

The experienced readers among you will note that these stocks are primarily traded within only two countries (and the USA is not one of them), this is not a coincidence and has to do with limitations as a results of retirement accounts and avoiding double taxation. We are already, and will be in increased capacity, exposed to American stocks via the Meesman Worldwide Stocks ETF, so we ok with not directly owning US dividend stocks (note, this may change in the future, but with the declining value of the Euro vs. the mighty greenback, this probably won’t happen in the near future).

If you group the above dividend stocks by sector, the distribution of our portfolio is as follows (based on market value as of November 20, 2015 at 10:00 Amsterdam time):

20151119 Dividend Stock by Sector

As you can see in the above figure, not all industries are represented. Two major industries not included are IT and healthcare. This was not done on purpose but a result of available stocks and research done to date. Over time we may add stocks from these sectors to our portfolio, and we will likely also try to re-balance the distribution to avoid being too heavy on energy stocks (energy stocks are a double edged sword, as they can be both lucrative and volatile).

Since inception of the dividend stock portfolio in July 2015, this is what our dividend income has been so far:

20151101 Monthly Dividend

We had the opportunity to drastically change our portfolio by mandatorily selling ETF’s as a result of changing retirement accounts and receiving a significant sum of money as a result of our home sale. As a result we have a considerable cash pile to re-invest in dividend stocks. Our month over month dividend growth will therefore be rather large initially, but this will taper off in the next year once the majority of the cash pile has been invested. For all beginning dividend investors reading this post, please don’t compare our growth with yours as it would be an apple to pear comparison!

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We at CF like to have a well diversified portfolio to limit our risks, but still generate a decent return on investment. We are generally risk averse and therefore do our research before investing in any asset. However, having learned to look at the longer term, we have incorporated some higher risk/reward assets to our portfolio over the last year.

Investment Portfolio

Our current portfolio consists of the following assets:

  • Real estate (we own and operate a real estate firm, which owns several properties);
  • ETF’s (we have recently started to invest in Meesman “index funds”, and still have several ETF’s in another investment account);
  • Stocks (we prefer dividend stocks, but will occasionally buy stocks purely for their growth potential and not their dividend); and,
  • Crowd Funding loans (we have done several investments via Geldvoorelkaar, a Dutch crowd funding platform).

Due to various reasons our portfolio currently has a high percentage of cash and is not well balanced. As we stand today (Sep. 2015) we have approximately the following split:

  • Real estate (50%);
  • ETF’s (5%);
  • Stocks (15%);
  • Crowd funding (1.5%); and,
  • Cash (28.5%).

The Investment Portfolio Goal

The large cash reserve will be brought back to around 1-2% within the coming months and used to increase both ETF and Stock portfolios (yes, we are very much enjoying the market correction at the moment).

Our portfolio goal, after re-balancing in the coming year(s), is anticipated as follows (+/- 5% on the main three asset classes):

  • Real estate (35%);
  • ETF’s (30%);
  • Stocks (30%);
  • Crowd funding (4%); and,
  • Cash (1%).

The focus of our portfolio is to provide a relatively stable cash flow (from rental income and dividend) while also making capital gains to sustain our expenses during financial independence. It’s not perfect but we feel comfortable with this arrangement.

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