Portfolio Growth Update: January 2015

It was a rocky month for the stock market with the S&P 500 down 3.1% and my portfolio moved right along with it.  My portfolio’s value will go up and down month to month with short term unpredictability, but I predict and expect my dividend payouts to always grow every single year. One day I’ll pay all of my expenses with this ever rising income.

I work hard to save more money than I spend to expedite my journey to financial independence, and this year I’m setting a goal of $25,000 in contributions.  That’s an average of $2,083.33 a month.  In January, I was able to invest $3,128.10 when I added to my positions in Franklin Resources (BEN), Unilever (UL) and initiated a position in Bank of Nova Scotia (BNS).  From here on, I’ll be contributing lesser amounts that are closer to my monthly goal because of upcoming wedding and honeymoon expenses.  I’m also weighing that I’ve been lucky to have job stability this long being a freelance editor and wouldn’t be surprised at all if my career were shaken up somehow this year.   This will be a challenging goal, but I’m hopeful I can beat it.  Here’s a graph showing the mountain I’ll have to climb to reach my 2015 Portfolio Contributions Goal:

2015_JAN_PC

Overall I feel great about this month’s investments.  I’m fully on board with asset manager Franklin Resources (BEN), but I’m disappointed I missed their special dividend that I thought I might qualify for.  I’m happy to wait for this company though, and in a few months I’ll finally see some income from this investment.  I look forward to some high percentage capital and dividend growth in this small yielding businesses future.

My timing of Bank of Nova Scotia (BNS) wasn’t the best, as its since fallen in price over 12%.  This is a bank that has been paying and increasing dividends for almost 200 years, and I purchased it solidly yielding over 4%.  There are current concerns with the business, but I believe the dividend will at the very least be maintained through any crisis.  More likely though, my $62.72 in annual income from BNS will keep growing steadily all by itself through the coming years despite any short term capital losses and gains.

I was sad to see Unilever shoot up in price toward the end of the month, but I’m happy I got the chance to slowly build up a solid starting position in the company through my no commission Loyal3 account.  When I tried easing into Wal-Mart (WMT) last year, it shot up over 10% almost immediately so I’ve left it as a tiny holding for now. Maybe another disappointing dividend raise this year will scare some people away, and I can feed it some more cash?

At the end of the month my portfolio’s total value stands at $47,248.19, a 5.33% increase over last month.  A year over year increase of 390.57%, when my portfolio was worth only $9,631.23.  With decreased contributions going forward, I wonder if I’ll see a monthly decline in my total portfolio value in 2015.  It’s been a long while since that happened.  Here’s the history so far:

2015_JAN_PVHI flirted with a total portfolio value of $50,000 during the month, but never quite got there.  While that’d be a nice psychological barrier to hit, I realize I’ve only just begun this journey and I have a very long and challenging race to the finish line ahead of me.    Here is my January 2015 Portfolio Snapshot:

2015_JAN_P

 

 

Are you investing in this market?  How does your portfolio stand at the end of January?  

Photo Credit: Dustin Scarpitti, http://unsplash.com/

My Dividend Growth

http://www.mydividendgrowth.com

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39 thoughts on “Portfolio Growth Update: January 2015
  1. Dear Dividend

    Wow! That’s an impressive amount of money you’ve been investing each month. Keep kicking butt! Maybe I’m lazy but I don’t really track my portfolio’s growth as much as I do my dividend returns. Good luck with your investing!

     
    Reply
    1. My Dividend Growth

      Thanks, DD. This year likely won’t be as good as last year for my contributions, but I’m laser focused to do the best I can. I wouldn’t call you lazy for not tracking value, it’s pretty pointless for us dividend growth investors 🙂 It’s nice seeing your dividends roll in for January. Good work and keep at it!

      Best,
      Ryan

       
      Reply
  2. roadmap2retire

    Way to go, Ryan! Thats a neat sum of amount to invest in a month. I think you summarized it well at the beginning of the article – that the market and total portfolio value may go up and down depending on the whim of the market, but as DGIs, our focus remains in growing that income stream. I think that point is key when it comes to dividend investing….its a fools errand to try and beat the market. Simply focus on growing the monthly/quarterly/annual income stream and the rest will take care of itself.

    The portfolio is looking great! I hear ya about the bad timing on BNS. For what its worth, I think we will see continued weakness in the Canadian banks over the coming months/quarters. So, I will be adding to my positions and initiating new ones in other Canadian banks……as you mentioned, that nearly 200 years of dividend streak isnt going to end anytime soon. But they are trading at a discount and its a good time to load up on those shares!

    Best wishes
    R2R

     
    Reply
    1. My Dividend Growth

      R2R,

      Love your thoughts about the income stream, I was sold on the strategy as soon as I saw a dividend payout sheet over the years (that I’ve now copied and use myself). The proof is right in front of you! I’ve been hitting the financials hard lately and hope you’re right about the continued weakness because I’d like to keep it going. I wish I could contribute more, but at least I have a good excuse 🙂 I also really liked your recent railroad purchase, I’ve had three railroads on my watchlist and can’t wait to own shares of one. Keep those purchases coming and grow that income!

      Best Wishes,
      Ryan

       
      Reply
  3. My Dividend Pipeline

    Ryan,

    Man your portfolio is growing in leaps and bounds! Another couple of years like last year and you will be so far ahead of the game it will be insane. I love the charts and graphs. I am really starting to look at the Canadian banks as well. I bought TD last month at $43 only to see it immediately fall. I agree with Roadmap that these will be good long term investments. Falling oil prices have been sending shockwaves across a few sectors recently. Keep up the great work building your portfolio.

    MDP

     
    Reply
    1. My Dividend Growth

      MDP,

      Thanks for the reminder on how far I’ve come, I always tend to think about the long road ahead and forget to appreciate my progress so far. I’m ready to pounce on more Canadian banks with you and I need to put some money in the ROTH IRA anyway so that would make complete sense. It’s definitely going to be energy or financials for me with the current shockwaves, but I feel a lot more pressure to get it right only making one purchase a month from here. I’m secretly hoping I get a tax return to help with our expenses, but I’ll have to wait a few more weeks to find out. You continue to inspire and motive me MDP, thank you for the comment!

      Best,
      Ryan

       
      Reply
  4. writing2reality

    I love the snapshot Ryan! You’ve been putting some serious capital to work and it is showing in how diversified your portfolio is right now. I’m in the same boat as you with BNS, but am keeping an eye the long-term picture. Here’s to hoping that your career doesn’t take too big of a hit this year, but no matter what, you’ve built an income stream to help supplement you until you’re back on your feet if needed.

    As an aside, I will say I don’t like these new charts as much as the old ones, but that is just me. I do really love your snapshot – jealous of that.

     
    Reply
    1. My Dividend Growth

      W2R,

      I was thinking about my portfolio diversity the other night. There’s a bunch that could be better, but I like the overall direction it’s going. It’s wild that I’ve really only had my first full year of investments and how different things will look years from now. However, I think you take the cake when it comes to diversity with your awesome non dividend investments, my friend. I really appreciate the support on my job front, and if something does end up happening I’d look at it as opportunity. Eventually I’d love working on projects I’m passionate about and get paid handsomely while doing it!

      Best Wishes,
      Ryan

       
      Reply
        1. My Dividend Growth

          Once a blog gets bigger, they usually reveal their identify anyway. You’re just ahead of the game and now your journey is more real because we know exactly who we’re rooting for 🙂

          Keep at it!
          ~Ryan

           
          Reply
  5. Dividend Growth Journey

    Hi Ryan,
    That’s a phenomenal growth in the portfolio value compared to the previous year. Proves that last’s years investments are starting to pay off. I too set a goal of $35K in new investments for this year. Hopefully I am able to achieve it. I didn’t invest much in January except my weekly purchases. Need to increase my pace a bit to be on par with my goal.
    All the very best in meeting your goals.

     
    Reply
    1. My Dividend Growth

      Thank you DGJ! You’re no stranger to phenomenal growth yourself! While the total value doesn’t mean much, it’s very rewarding to put that much capital to work. I’m expecting my year will be about 10 grand lighter than yours in contributions but I’m hoping to make the best of each of those investments. I’m also catching up to you on marriage and possibly children at some point. You’re killing it. If you can contribute at that pace again this year you will have set your family up so nicely. I hope you have daydreams of the wealth legacy you’ll leave your kids one day!

      Best,
      Ryan

       
      Reply
  6. Tawcan

    Excellent progress. Love your graphs and charts showing your progress. That’s very impressive feat to have such huge increase in your portfolio year over year. That just shows that you’re well on your way. Keep up the good work!

     
    Reply
  7. No More Waffles

    Ryan,

    Look at the upward slope of your graph, beautiful! Really love the graphs and charts, by the way. Visualising your progress is important.

    Too bad you weren’t able to stock up on some cheap Unilever shares as the stock really soared towards the end of the month. I’m glad I decided to add to my position at the beginning of the month, especially so because the Euro further depreciated compared to the GB Pound.

    Keep it up,
    Your biggest Belgian fan

     
    Reply
    1. My Dividend Growth

      NMW,

      The charts almost looks too good to be true to me. I’m really hoping to see a monthly decrease finally, which would be great for new investments. I’m so curious to see what my overall portfolio value is when that finally happens.
      Let’s hope Unilever drops again, but even if not I’m glad I was able to buy as much as I did so far. I’d eventually want to have around 100 shares, that sounds like a nice even number 🙂 Your signature was awesome my friend, hehe!!

      Best Wishes,
      Ryan

       
      Reply
    1. My Dividend Growth

      Thanks Gareth! While the portfolio value doesn’t mean too much, it’s motivating knowing I have some real solid assets now. Hopefully I’ll be able to ramp up the speed again in a few month. Keep up that fantastic progress yourself!

      Take care,
      Ryan

       
      Reply
  8. Dividend Mantra

    Ryan,

    Fantastic progress, my friend. The growth in the portfolio, mostly fueled by substantial capital infusions, is nothing short of amazing.

    Even if this year isn’t as great as 2014 was in regards to how much capital you can save and invest, you set yourself up for the long-term here. You’ve already got a nice snowball working for you, which will likely work for you for the rest of your life.

    Looking forward to seeing how the next month or so goes for you. Keep it up!

    Best regards.

     
    Reply
    1. My Dividend Growth

      Jason,

      I’m so fortunate I’ve been able to feed my portfolio new cash this aggressively, and I’m trying so hard to make up for lost time. It helps me a ton to read your blog and see your track record and what’s possible with laser focus and determination. It’s crazy to think that I’m already well positioned for a normal retirement age. Now it’s just about keeping it going. Every little extra bit I can invest today buys my future self that much more freedom. I’m looking forward to your inspirational month’s ahead as well 🙂 Hopefully the market will let us make the best of our reduced contributions.

      All my best,
      Ryan

       
      Reply
  9. Dividend Gremlin

    Ryan,

    Wow man one year and its already growing out of control. Even if you do half of what you did you will still break that 100K plane in 2 years, which is great. Your investments represent a lot of quality and growth, something you can definitely be happy to look forward to.

    Keep it up, no reason our money cannot work for us.

    – Gremlin

     
    Reply
    1. My Dividend Growth

      Gremlin,

      It’s crazy when I look back to the middle of 2013 when I slipped under a net worth of 10K and thought I might have to go back to serving tables for a few months. I’m working hard to make sure that never happens again. 100K would feel so great, even just a year ago that seemed like a far off fantasy. Dividend growth speeds way up at that point and I can’t wait to see it happen. Keep up the great job, yourself 🙂

      Best Wishes,
      Ryan

       
      Reply
  10. DivGuy

    Nice progress and really impression amount put each month! Can’t wait to read more about your results this year! Like your BNS and UL added positions. Keep up the good work!

     
    Reply
      1. My Dividend Growth

        I appreciate that, Mike. I’m very lucky to be able to contribute this amount even with the heavy increase in expenses. Hopefully I’ll get back to last year’s pace before long and the journey will continue to be worth watching 🙂

        Best Regards,
        Ryan

         
        Reply
        1. DivGuy

          Funny thing; I’ll try to do the opposite: sell everything, become financially independent and THEN start saving like you 🙂 More seriously, Once I sell my house and go in my RV, I’ll be able to save lots of money (coming from my websites) and hopefully become financially independent forever. If not, my RV trip will be done in a year.

           
          Reply
          1. My Dividend Growth

            Sounds like a great plan, I’d love to just drive around wherever I wanted like that. The finance and I have dreamed of doing that often! That’s pretty awesome your websites do so well, it really shows in how good they look. I still can’t believe people even read this site at all, and I never expected to get any sort of money when I first started it. Even with the few ads I have and almost a year in I haven’t even made $100 bucks, hehe. Keep up the good work over there!

             
            Reply
  11. DivHut

    Investing over $3k in January is a pretty serious number. That will surely translate into some nice dividend income in the next quarter. Like you I am adding to BNS and looking at TD and RY as well. Have you considered BX? Good luck in achieving your investment goal for 2015.

     
    Reply
    1. My Dividend Growth

      Hope all is well with you Keith, and thanks for the kind words. We can’t wait to get these temporary wedding / honeymoon expenses out of the way so we can continue rolling the contributions at full speed. Canadian banks are already moving back up by the looks of it, same with energy. The market sure does behave in strange ways. I’m hoping for some more volatility here, a nice drop down again would be so great!
      When I was researching my investment in BEN, I briefly looked at BX and moved on when I saw the dividend decrease in 2010. I didn’t read why that happened though, and maybe it’s worth researching more. For asset managers, I was primarily interested in BEN, TROW, and BLK. I really liked the low payout ratio and current valuation of BEN, but could have easily gone with any of the 3. BLK especially looks like it’s about to make a big run up in price on fast graphs. I’m wishing you luck this year as well and can’t wait to continue reading your excellent content 🙂

      Best Wishes,
      Ryan

       
      Reply
  12. Dividend Diplomats

    MDG,

    Great contribution month for sure and no sweat on entry prices for the dividend stocks – you buy them because they are fundamentally sound investments. You’re investing into those fundamentals, this will perform well for you, for years to come. As soon as you receive that first dividend check, you’ll be pumped as hell you bought them.

    Congrats on a great first month in contributions and good luck with the wedding!

    -Lanny

     
    Reply
    1. My Dividend Growth

      Thanks for the reassurance and well wishes, Lanny. I’m so happy to be on board with some excellent businesses here and can’t wait for the dividends to roll in. BNS should help my cash flow in this quarter going forward too which will be nice 🙂 Glad to see you buying the financial sector recently as well! Cheers to a great week ahead.

      Best Wishes,
      Ryan

       
      Reply
  13. Marco

    Hello MDG,

    I visit your site my first time and I really like your graph about your portfolio´s progress over the last 2 years. Starting with under $2k in 2013 up to nearly $50k today is an impressive increase! I guess this motivates a lot, but the sad side is, that it will become more difficult to hold this pace. In the first years the savings rate contributes a lot to the portfolio´s overall increase. After a substantial amount is built, the further progress will be more dependent on your stock selection and portfolio´s structure. But as an dividend investor, you will get your payment checks regularly, independent from the stock markets mood. So I wish you the best for your way and I will come back to your nice blog.

    Kind regards

    Marco

     
    Reply
    1. My Dividend Growth

      Thanks for reading my blog Marco, and for the nice compliments. You make a great observation there, the bigger my portfolio gets, the harder it will be to affect it’s momentum with newly added contributions. I don’t think it’s sad though, I think it’s pretty awesome that my portfolio could get big enough to move and work all by itself, I always envy those guys with huge portfolios 🙂 You’re completely right that the dividend payments and raises are what’s important in the long run. I pay waaay more attention to my dividends than the fluctuating portfolio value. You’ve got a nice looking blog over there yourself and I really appreciate you stopping by!

      All my best,
      Ryan

       
      Reply

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