Portfolio Update: October 2015

October was amazing on a personal level because I got married and went to the Greek Islands for over two weeks on our honeymoon.  Upon our return to the states, my work called and moved up my out date by 3 weeks; last Friday was my final day of work.  They moved to the next phase of production early, and unfortunately that means I’m out a few paychecks.  It’s usually pretty dry out there this season until after the new year, and I’ve put out a few feelers but am in no hurry to land somewhere because I want to find the right job.  I always talk about how volatile the entertainment industry is, and this is a great example.  It’s why building passive income in our portfolio makes so much sense.  It’s comforting that the dividends we receive are real cash we can use for expenses without selling any shares in the portfolio.  However it’s best to reinvest all those dividends which is why we have 9-12 months of expenses in an emergency fund on top of the income my wife is pulling in.  So for now I can rest easy, sit back and let the portfolio work by itself while I find my next gig.

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(Photos from our trip. Mykonos, Greece.)

On October 20th I added $250 of Wal-mart (WMT) to my commission free Loyal3 account. At the start of November, I used some leftover cash that was in my new Robinhood account to make a small purchase of a new company; I’ll be posting about it soon.  I won’t be able to invest much of anything else until I start working again.  This now has me thinking hard about having a cash position in the portfolio for times when I’m without a job.  I really like the idea of averaging in to the market over time and purchasing at least once a month;  I probably could have spread out my contributions from this year a little better.  In total I invested $597.22 in October.  Here’s how much I’ve been able to contribute so far in 2015:2015_OCT_PCEven though I only invested $597.22, my portfolio moved a good bit on its own finishing October at $80,448.88.  That was an increase of $5,616.52, or 7.51% over last month’s $74,832.36.  Going back further, this was a gain of 113.57% over last year’s $37,667.23.2015_OCT_PVHAfter almost two years of steady month to month increases in my Portfolio Value History chart, the constant contributions are finally on hold.  That’s really what pushed it upward this whole time, and there’s a very good chance this graph will finally show some volatility going forward.  At the end of the month, there was still a good amount of red in my portfolio which is great for reinvesting.  However, several holdings started to recover in price compared to the previous month. Here’s a snapshot of where I ended up:2015_OCT_PSHow was your October?  What stocks are you buying?

My Dividend Growth

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28 thoughts on “Portfolio Update: October 2015
  1. Dividend Beginner

    Hey MDG,

    Your portfolio looks pretty well-built and your sheet is incredibly organized; I’m quite jealous. The increase of your portfolio value from last year is impressive. Keep it up dude.

    Best regards
    DB

     
    Reply
    1. My Dividend Growth

      Hi there DB, thanks for the nice comment. It’s been fun building the portfolio and I’m excited to watch you do the same. The contributions are propping those annual increases way up and it’ll be interesting to see what happens now that my job situation isn’t as stable. Keep up the good work over there and thanks for stopping by 🙂

       
      Reply
  2. Dividend Gravy

    Ryan,
    Welcome back to the states. Congrats on building your portfolio. You’ve done a remarkable job of steadily increasing its size. I sure wish that when I was your age, I would have had the presence of mind to start down the DG road. Retirement isn’t bad, but it would be SO much better if I had started investing in DG when I was young. Keep up the good work.

    Steve

     
    Reply
    1. My Dividend Growth

      Good to hear from you Steve. It’s been a blast building the portfolio so far, it’s definitely led to a passion I never expected to have. It’s always reassuring to hear that I’m on the right track from those already there like yourself, thank you much for the kind words!

      Best Wishes,
      Ryan

       
      Reply
  3. DivHut

    Nice portfolio update. That value is marching ever higher. Of course, the main concern is an ever increasing passive income stream which as you mentioned is crucial for someone in the entertainment biz as work can sometimes lapse for a while. Congrats again on your wedding and enjoyable honeymoon. Looking forward, cash flow permitting, you might want to look at the beaten down REITs, especially in the health sector. Thanks for sharing.

     
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    1. My Dividend Growth

      Thanks a lot, Keith. It’s pretty awesome watching the dividends roll in ever higher, even at the current small amounts. Great idea there, I’m excited for 2016 when I can finally start contributing to my IRA again, I’ll be all over REITs if they’re still beaten down and if I have the available capital. Hope all is well with the family and have a great weekend my friend!

      Best,
      Ryan

       
      Reply
  4. JC @ Passive-Income-Pursuit

    I need to do a better job as well with keeping a cash position in the portfolio but it also goes against the idea that there’s always value somewhere that I’d like to add. It gets real tough to keep the cash position just for the times when cash flow from savings might be lower so I tend to invest whenever it’s available.

    It’s a shame that y’alls investing is put on hold for a bit until you can find more work although that’s kind of how our investing has been this year. We’ve invested very little capital but that should start to change this month or next month now that cash flow has stabilized. We just need to figure out some plans going forward because we want to max out the Roth IRAs this year since we’re going to be able to so we need to figure out the timing of expected savings so we can do that.

     
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    1. My Dividend Growth

      That’s a great point about the cash allocation and so far I’ve always tried to increase cash flow over keeping cash. I guess it makes sense to have at least a little dry powder in a volatile industry like mine. Maybe I can just ramp up the savings of a few grand toward the end of jobs in order to make minimal investments while I find my next gig. It’s a lot to think about because I hate seeing so much cash just sitting there in a savings account.

      Glad to hear you’re almost investing again, I can’t wait to see where you aim. Hopefully an interest rate hike gives you a big discount on some blue chip REIT’s, it’d be perfect for the ROTHs. Keep at it, you’ve been making some awesome content lately!

      Best,
      Ryan

       
      Reply
  5. kingkang

    Congrats man! I’ve been following you for months. Love your site b/c it’s very easy to navigate and your watchlist helps me a lot. Good luck in your new adventure!

     
    Reply
    1. My Dividend Growth

      Thank you much, it always means a lot to hear someone is actually reading hehe. Oh man, I haven’t updated the Watchlist page in forever. I have several new names to add and clean up too, great idea and I promise to get on it soon! Best of luck to you too, hope you check in again.

      Take care,
      Ryan

       
      Reply
  6. Dividend Gremlin

    Ryan,
    That sucks about your job, but at least you crushed your annual goal in advance and you have that back up as you land your next gig. Any thoughts on going back to your last one?

    I added some WMT too this month. Its not my favorite stock, I intent to keep it as a small position, but the current entry point is very favorable for the long term.

    Greece in general is pretty awesome. Its one of the places I’d really like to visit, especially some of those islands. I bet it was a blast, the wedding and the trip.

    – Gremlin

     
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    1. My Dividend Growth

      Thanks for the kind words, Gremlin. I’ve thought a lot about going back, but I was capped at the highest rate they paid and I can make way more eventually if I keep working up credits elsewhere. Also, the new guy they hired is cheaper than I was so I’m guessing they wouldn’t take me back if I tried. I’ll land somewhere, but it’s nice to not be in such a hurry.

      My thoughts exactly on WMT, it’s funny they’re always playing catch up to Amazon including the delivery drones now. I’m not expecting a ton of immediate growth, but they have pretty amazing infrastructure and it’ll be interesting to see how things play out.

      You should definitely go to Greece! It’s a pretty small place and you can do other Countries too, but I’d make sure you at least check out Athens and Naxos. Always great to hear from you!

      Best Wishes,
      Ryan

       
      Reply
  7. Jim @ Shade Tomorrow

    Ryan,

    Congrats on the marriage and I hope that you had a great time on your trip. Those pictures look great!

    I was looking through your portfolio and did not see any index funds or REITs. Is there any reason for that, perhaps one that is not quickly coming to my mind? As an investor who is also interested in (but not prioritizing) dividend growth, I have been under the impression that index funds and REITs are good additions to any portfolio. I’m looking forward to hearing your thoughts on this!

    Best,

    Jim

     
    Reply
    1. My Dividend Growth

      The trip was surreal, thanks Jim!

      Great questions. I currently have 5.7% of my overall portfolio in REITs and they’re listed under the ROTH IRA section of my portfolio (Realty Income (O) and Omega Healthcare Investors (OHI)). I’m comfortable with that weighting, but my 2015 contributions are maxed at the moment anyway. I only plan to invest in REITs in this account because of the tax advantages, but I’ll be maxing out that ROTH every year going forward and would love to average down or buy new REITs if they’re on sale.

      Since they invest so broadly in the whole market, to me index funds are for people focusing more on investing passively. I don’t invest in them because I’m pretty much already building my own tailored to me version of an index fund focusing on income growth and I’d rather have precise control over what I’m invested in now that I read annual reports, do research, and have clear investment expectations. It’s probably much riskier this way, but the reward could be much greater as well.

      You’ve got a great start over there, really like the look of your portfolio so keep at it!

      Thanks for reaching out!
      ~Ryan

       
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    1. My Dividend Growth

      Appreciate that much Ben. Glad to be on the same page with WMT, I’m looking forward to watching it play out. You’ve been on a role with all the content lately, don’t know how you do it! I’ve really enjoyed it so please keep at it my friend 🙂

       
      Reply
  8. Roadmap2Retire

    Ryan,
    Thats too bad that the project moved onto the next phase early and you will be out of work for a bit. But thats why we are investing and building a passive income stream, isnt it? Wishing you the best in turning that little stream to a big gushing river – and you can do your work if you only want to instead of needing to.

    Glad you hear you had a great honeymoon – the pictures look amazing.

    Best
    R2R

     
    Reply
    1. My Dividend Growth

      That’s exactly right about the job situation, at least I was ready and planning for it. I’m hoping to take some time and land somewhere I’ll really enjoy, here’s hoping. Meanwhile those reinvested dividends will keep compounding in the background. Gotta love this strategy.

      Great to hear from you R2R, have a good one my friend!
      ~Ryan

       
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    1. My Dividend Growth

      That’s exactly right, thanks for the kind words Andrew. I’ll find something eventually and it’s nice to have some financial backing to weather the storm. We’re both setting up for a great future, keep at it my friend.

      Best Wishes,
      Ryan

       
      Reply
  9. Jason Fieber

    Ryan,

    Greece looks amazing!! 🙂

    You’re already set up for a great 2015 with the way you’re so far ahead of pace. So you can rest easy knowing you put a lot of capital to work, and now you just have to let that money work for you while you look for that next opportunity that fits. As you already know, that’s the great thing about having money work for you: It doesn’t ever stop or sleep.

    Keep up the great work over there. I’m sure the next gig will land in your lap before you know it.

    Cheers!

     
    Reply
    1. My Dividend Growth

      Jason,

      Thanks for all the support my friend! You should definitely check Greece out if you ever get the chance, it was surreal 🙂

      You read my mind with how I’ll be finishing the year. The long term hands off approach is really the beauty of this strategy to me. Plus I’m in a much better place this time around going into unemployment, so it should be all good.

      On a side note, I miss hearing about your journey so frequently! Hope all is well and keep at it with the high frequency purchases!

      Best Wishes,
      Ryan

       
      Reply
  10. My-Dividends.com

    Hi Ryan,
    first of all congrats to your wedding and honeymoon. Santorino is great – i was there 2 years ago. It was amazing and I see you both joined it too 🙂 Its not so far away from Germany, so my trip was done within 2 hours 🙂 Great results on your passive income – amazing whats possible within one year. I quite sure that you find something to work. With your portfolio in the back its much easier! Let your money work so hard how you did it to build up the portfolio. As “Wall street” said “money never sleeps”…
    Cheers!

     
    Reply
    1. My Dividend Growth

      Great to hear from you MD, thanks for the kind words. That’s awesome you were just in Santorini. It was my second favorite island behind Naxos.

      It’s so true that having a bit of financial backing relieves so much stress with my job situation. I’ll keep moving on if you do and let’s take that quote to heart, hehe.

      Best,
      Ryan

       
      Reply
  11. Estrategias con opciones

    I have a small spanish dividend growth investment portfolio. I am looking to diversy with international stocks. Which 3 – 5 stocks should you recommend for a long term dividend investment strategy?
    Thanks in advance

     
    Reply
    1. My Dividend Growth

      Hi there! I don’t know too much about individual international stocks aside from those that have tax treaties with the US. I also can’t give specific investment advice, but I look for consistent annual dividend growth where the business has a moat and a long track record of growing earnings and revenues while limiting liabilities. Be sure to let us all know if you end up settling on a few and what they are.

      Happy Investing,
      Ryan

       
      Reply

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