Portfolio Update: March 2015

That’s a wrap on March, and with that comes my latest portfolio update.  My portfolio is my ticket to financial independence; the more money I can save and contribute today the faster I’ll get there.  I love my line of work as a producer and editor in the volatile entertainment industry, but changes can happen swiftly and job security isn’t common.  This is why I’m saving as much of my income as possible every month and investing in high quality businesses that raise their dividends each year.  If I ever have trouble finding a new gig or just need a break, this growing stream of dividend payouts will reduce my stress and help pay my daily expenses.

I’d like to thank the market for providing long term investors with decent opportunities over the month as the S&P 500 index dropped almost 2% from February.  While day traders love to see prices going up for quick and unpredictable profits, dividend growth investors like myself prefer it when stock prices fall hard so we can scoop up even more growing dividends for less money.  I was able to add more capital to my portfolio than I anticipated in March when I bought more shares of Bank of Nova Scotia (BNS), AT&T and initiated a small position in Coca-Cola (KO).

I’m well ahead of my 2015 Portfolio Contributions goal of $25,000, but remain cautious due to the uncertain nature of my job situation. My fiancée and I have been saving a lot of money lately and have already paid for half of our upcoming wedding costs, and our honeymoon budget is inching closer to completion every week.  We’ve decided to visit Greece in October for both of our first trip abroad, including Athens and the islands of Santorini, Mykonos and Naxos.  We hope to explore remote areas of those islands and are looking forward to seeing artifacts that are over 4,000 years old.  The trip won’t slow my new investments down too much, because I’m committed to contributing at least $2,083.33 each month during the year to hit that $25,000 goal.  I was able to invest $3,267.15 in March to bring the yearly contribution total to $7,832.30 so far.

2015_MAR_PC

My portfolio’s value decreased by just over a thousand dollars not factoring in new investments this month, but that’s a good thing because my latest contributions and dividend reinvestment’s went a lot further with the lower stock prices.  My portfolio is still small enough where new money added usually outweighs any market movements, and its value has steadily risen each month since I started making consistent investments at the end of 2013.  The end of March stayed true to that tradition as the overall value of my portfolio stood at $52,941.01, an increase of 4.35% or $2,206.90 compared to last month’s $50,734.11.  Year over year that value has risen 274.12% from just $14,150.98.  This graph documents the steady climb upward.

2015_MAR_PVH

I’m firm in my belief that lower market prices mean much better deals for dividend growth investors, and that’s why I don’t see too much importance in these portfolio value comparisons.  However, I do find it useful to view which of my holdings are down in price overall which is why I track those gains and losses on my portfolio spreadsheet.  I deem that the fundamentals of all the businesses I hold are safe and sound and under-performing stock prices give me an easy and obvious idea of where I might want to add more money.  Other important data I track is the diversity and weight among all the different investment sectors.  Last month I complained about my lack of exposure to the consumer goods and services sectors; by adding a good amount to those areas in March, I’m feeling a bit better.  Here was my portfolio snapshot at the end of March 2015:

2015_MAR_PS

How was your March?  Are you diversified?

Cover Photo:  Barn Images @ http://unsplash.com

My Dividend Growth

http://www.mydividendgrowth.com

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35 thoughts on “Portfolio Update: March 2015
  1. Ron

    Nice way to end the month! You are on your way of crushing that goal of saving/investing $25,000. I also really like all your graphs, especially your portfolio. It’s very organized. I am still figuring out how to show my google doc on my blog, then I can post my small portfolio!

    Cheers!

     
    Reply
    1. My Dividend Growth

      Thanks a lot, Ron! Hopefully this year is a repeat of last year and I pass my goal by the summer, but who knows what’ll happen with my current job. Your compliments are very much appreciated and I’m glad you found my watch list tutorial in your other comment so you could get your portfolio up over there. Great looking site by the way and I’m pumped to come show you some support. Thank you for stopping by!

       
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  2. Jeff

    Great stuff dude. I enjoy reading your updates. I started in April 2014 and have a portfolio of $22,000 +- at the moment. Best of luck

     
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    1. My Dividend Growth

      Thank you Jeff, that means a lot. You’ve done a massive amount of work in that small time frame and should feel very proud. Congrats on starting your journey, it only gets better from there. Wishing you many continued successes!

       
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  3. Dividend Mantra

    Ryan,

    Congrats on yet another fantastic month!

    Greece sounds amazing. I hope you guys have an awesome time over there. I’ve heard Santorini is out of this world. 🙂

    Keep up the great work. You’re killing it with the capital contributions thus far.

    Best regards.

     
    Reply
    1. My Dividend Growth

      You’re the best Jason, thanks for always showing so much support! RetireBeforeDad is the only other person I’ve talked to that has been to Santorini and he said the water is the bluest he’s ever seen, I’m so excited. I hope we walk into some random grassy area and trip over a hidden pillar or something that was built by the original greeks in BC times… so much history there, it should make for an awesome first trip abroad. After that it’s right back to piling every penny into dividend paying stocks. I’m glad to see we’re both ahead of where we thought we’d be on the contribution level, let’s hope that remains the case throughout the year. Take it easy my Florida friend!

       
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  4. Dividend Hustler

    Great progress Ryan. You’re doing amazing. Slow and steady will win it bud no doubt. It’s awesome feeling contributing to the freedom fund. Very enlightening. Have a good time and take it ez. Happy good Friday.

     
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    1. My Dividend Growth

      I appreciate those words of support, Tyler. Now that I understand the importance of large and consistent contributions; and what time and compounding can accomplish, I sometimes find it tough to not want to rush in with my entire emergency fund! I always remind myself that it’s not a race and I’ll get there eventually. Thanks for setting a good example over there, and happy Easter back at ya!

       
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  5. Dividend Gremlin

    Ryan,

    Really killing it this year with your contributions progress and savings. Jobs stink though, glad for yours still doing well. A little negative dip happens, but we both can agree it is nice to be able to stretch each dollar a little further when adding to a position.

    Also I love the idea of the Greek Islands. That sounds like a grand time, I expect to see a picture or 2 up here because I hear those places are just fantastic.

    – Gremlin

     
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    1. My Dividend Growth

      Thanks, Gremlin 🙂

      I feel behind on the contributions, but I guess that’s a good thing because I’ll use that as motivation to do better. Just like you, I would love to see my monthly portfolio value finally dip month over month if it meant buying quality names for cheap, lets hope we get some opportunities like that soon!

      Photos are so last century, haha! I’ll probably put up a little edited video like I did when I posted the Liebster Award last year. We’re so pumped for the trip, but October seems so far away. Hope all is well with you this weekend!

       
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    1. My Dividend Growth

      I appreciate that, DD! We’re very excited for the trip, and trying to contain ourselves a bit because it’s still a long half year away. With your G/F moving in, you could be in similar shoes with a proposal and honeymoon before you know it. No pressure, hehe!!!

       
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  6. My Dividend Pipeline

    Ryan,

    Congrats on your steady progress. I have never been to Europe, but Greece or Southern Italy would probably be my choices to visit. Cold climates just don’t appeal to me. Anyway, best wishes for the rest of the year. I think you will hit your goals easily.

    MDP

     
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    1. My Dividend Growth

      Slow and steady, right? Now that I see where it’s all going, it’s tough to go so slow at times. I just have to remember that a short two years ago I was living paycheck to paycheck just like all those brain dead employees of yours, hehe. I’m so glad to have found the light! Thanks for checking in, always great to hear from you.

       
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  7. roadmap2retire

    Good stuff, Ryan. I really like the look of that chart…it sure is heading in the right direction. Your new investments should take you a long way going forward. Keep up the great work and thanks for sharing

    Best wishes
    R2R

     
    Reply
    1. My Dividend Growth

      Thanks for that, R2R. It’s always reassuring when you sign off on my progress, and I’m always glad to hear from someone who has been there and done that 😉 I’m excited for what will come from here!

       
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  8. Tawcan

    Congrats on having another great month. Always loving looking at the charts that you display on this blog. You’re definitely on the right direction and making excellent progress.

     
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    1. My Dividend Growth

      That means a lot coming from you, thank you very much Tawcan! It’s looking like my portfolio value chart is starting to level out out top finally, I’m actually excited to see that first monthly decline (as long as I’m still contributing during it!) Best wishes to you, my friend!

       
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  9. Dividend Diplomats

    M D G,

    Dude – you are killing your path on your contributions goal – March at over $3K is phenomenal. I was around the same amount contributed not including my dividends. What’s wild is that you’ve already covered most of your wedding expense, which is another great feat. You are seriously igniting a rocketship on your portfolio value and amount – KEEP KILLING IT and stay focused with your fiance on your goals. Good luck and excited to see your div income for the month!

    -Lanny

     
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    1. My Dividend Growth

      Those are some kind words and very much appreciated, Lanny. I can’t believe I’ve been at the same job for a year and half in this industry, it’s been very fortunate. Hopefully I can keep it going long enough to get to that coveted 6 figure point, but I’m trying not to get ahead of myself. Hehe, it does look like the portfolio is taking off into orbit based on where I was just a year ago. Luckily I’ve got great trend setters like yourself whose footsteps I’m eager to follow. The dividends were super plentiful in March and I’m excited to post about them soon. Thank you for the support my friend!

       
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  10. Vivianne

    March is usually a 3-paycheck month, I also able to save a bit more in March. I haven’t able to break down by sector yet. But it’s great to see you how organize your account. One thing though, why don’t you go for Bank of America or move everything to one account to save on commission?

     
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    1. My Dividend Growth

      I’m jealous, I only got two paychecks over the month! Glad you like the spreadsheet setup, it helps me a lot to visualize everything at once. I dunno about BOA, it scares me that they bailed out ML who was just days from collapsing all together in 2008, then just a year later BOA themselves needed a $20 billion dollar bailout from the government. I know it’s FDIC insured, but I just don’t trust my money there for some reason. Luckily there are many choices out there and we can each have different ideas of where is best for us. Sharebuilder has been very friendly for a beginner account like mine, and as solid and successfully business history without any hiccups. Hopefully before I know it my portfolio will reach critical mass and I’ll get to pick any brokerage I want and have some free trades. Thanks for the thoughts and have a great rest of your weekend!

       
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  11. Zero to Zeros

    Ryan,

    You’re such an awesome example of just how powerful dividend investing can be when combined with diligent and consistent savings. I can’t say it enough, but I find it so inspiring to see how far you’ve come in just one year. A 274% year-over-year increase in value is just downright filthy (in a good way of course!), and that bar chart is quite simply a thing of beauty, haha!

    Congrats on the upcoming wedding and trip to Greece! Not gonna lie, I’m a little jealous 😉

    Keep up the awesome work brother.

    – Alex

     
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    1. My Dividend Growth

      Hehe, thank you Alex! It’s fun to watch those eye popping percentages, but as my portfolio grows those percentages will decrease substantially. I’m more so looking forward to that magical point where new capital added doesn’t even move the needle because it’s so big. You’re about to see some crazy numbers yourself, and I remember my first YOY stats were in the thousand percentage points. I’m excited to watch you get there, because you have a great deal of time on your side and are setting yourself up so nicely for the rest of your life. Ah Greece… it’s actually pretty cheap right now because of all the debt problems and fears of being kicked out of the EURO. Perfect time to strike! I hope all is well with you and thanks for all the support, it really means a lot!

       
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  12. Dividend Growth Journey

    Ryan,
    Great set of numbers. Over $3200 invested in the month is impressive and it is great that you are above your goal for the year. It is not the case for me yet though. In spite of investing over $5000 in March, I am still slightly behind in the goal since I didn’t invest much in Jan and Feb.
    Glad to see that you have initiated position in KO and having you as a fellow shareholder.

     
    Reply
    1. My Dividend Growth

      I appreciate that, DGJ. I’m positive you’re going to catch up to my contributions this year very soon, just like you did last year. It’s awesome to have someone investing similar amounts like yourself, so I can always be getting new ideas. I think you work a lot harder though having to support a family, you should be very proud. I’m excited to see where you strike next!

       
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  13. No More Waffles

    Ryan,

    Another excellent month in the books! Even though net worth doesn’t matter too much for us dividend growth investors, it’s still nice to see the overall value of our stocks go up.

    I see quite a lot of positions in the red (e.g. BP and IBM). Any plans to add to those investments in the near future?

    Keep it up! It’s nice to compare your progress to mine as we’re rather close to one another in our FI journey.

    Happy Easter,
    NMW

     
    Reply
    1. My Dividend Growth

      Great to hear from you, NMW 🙂

      That emotional of side me loves seeing the value go up, and I wonder how I’ll take it when a correction or crash finally happens… Luckily we all have a great support system in this awesome community for when something like that happens.

      No plans to add to BP or IBM at current levels, they’re already weighted pretty heavy in my portfolio at the moment. I may not be able to resist if they tank from here though… never say never I suppose.

      It’s always a pleasure watching your progress my friend because we’re in it together and you know I’ll be rooting for you the entire way! Let’s stick to the plan and keep moving forward!

       
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  14. BeSmartRich

    274% is really excellent and love your slow and steady progress that is already showing a huge difference. Well done my friend. well done…

    BeSmartRich

     
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    1. My Dividend Growth

      That’s so nice of you, BSR! I’m very committed to this slower approach, and I’ve learned so much patience in my day to day life from dividend growth investing. I guess we’re all like turtles who are going to beat those hares in the end. Thanks for the comment!

       
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  15. DivGuy

    Congrats on the wedding coming! And the honeymoon looks like a lot of fun for you both! 😀 It’s a nice month overall! An increase is always what we’re looking for!

    I did my bold move and sold BNS to buy SNC! 😉 Some can call me stupid, but I think it will pay off on the long run in a growth perspective.

    Cheers!

    Mike

     
    Reply
    1. My Dividend Growth

      We’re really looking forward to the wedding and honeymoon… we’re like two peas in a pod or whatever other cheesy analogy you want to use, hehe.

      I’m not always looking for an increase in value as you know, because those lower prices are better for my new money. But it sure is a fine looking trend upward and I can’t help but smile every time I see it.

      I saw you did that bold move! I like boldness like that my friend and I replied to your awesome analysis on SA with a brief defense of BNS, hehe. I’m always learning from you and appreciate all the support you provide!

      Best wishes and talk soon Mike!

       
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  16. There's Value

    Ryan,

    this is fantastic. Keep up the good work! It’s really great, and wise that you have built yourself a financial cushion. Most people would just blow their money on cars and fancy things, but you’re taking care of yourself and your future wife’s future by thinking long-term and acting long-term. Seriously, well done, and I look forward to reading your progress over the months and years.

    I hope you show us some pics from Greece when you visit.

    Cheers

     
    Reply
    1. My Dividend Growth

      Your support means the world! Thank you! It’s so true that as this portfolio grows, my stress level decreases… The more passive income I have, the safer I feel! I’m so grateful to be in a position to contribute as much as I do and to have found this strategy in the first place. The future is looking bright for all of us in this investment community.

      I will probably post a video of our trip instead of pictures, since I’m an awesome video editor… and very humble about it too (sarcasm!) Hehe.

      Thanks for checking in!

       
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      1. There's Value

        Ryan, no problem. I love reading about people’s progress, and it’s lovely to see someone so young making good progress like you are.

        Cheers

         
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