Portfolio Update: September 2015

It’s hard to believe there are less than three months left in the year. I’ve had a busy year building my dividend growth portfolio, and the numbers from September are in. Toward the end of the month, I opened up a new account with commision free brokerage Robinhood; I’m really enjoying the app so far. Moving forward, my portfolio tracking spreadsheet will contain a combined taxable account section with my CapitalOne Investing, Loyal3, and Robinhood accounts.

Also at the end of September, I added 50 shares to my Kinder Morgan (KMI) position:2015_September_COI_KMI FullSizeRender (1)These shares have an average cost basis of $27.90 and their 7.03% yield adds $98.00 to my 12-month forward dividends for a new total of $2,701.83 or an average of $225.15 a month.

Kinder Morgan is the third largest energy company in the United States which operates in the following segments:2015_September_KMI2Those fee-based cash flows are impressive, and so is their unparalleled asset footprint:

2015_September_KMI1Here’s a cash flow fast graph of Kinder Morgan:

2015_SEPTEMBER_FG_KMII added to several other businesses throughout the month too, and in total I invested $5,185.54 in fresh capital.  I beat my 2015 contributions goal last month, but every extra bit I can invest today brings my retirement closer.  So far this year I’ve been able to save $36,659.35 and here’s an updated contributions graph:2015_SEPTEMBER_PCWith those contributions, my portfolio’s value increased month over month to a new high total of $74,832.36.  This was a 4.35% increase over last month’s $71,712.79 and a 127.31% gain over last year’s $32,920.41:2015_SEPTEMBER_PVHI still have several positions I’d love to add to that are down more than 10%, but my fresh capital will be very limited going forward.  It’s hard seeing all the deals out there and knowing I’m going on a long honeymoon and will be without a paycheck for a good while starting next week. It’s a good reminder of how fortunate I am to be able to invest at all.  Here’s a snapshot from the end of the month:2015_SEPTEMBER_PSHow was your September?  What are your expectations for October?

My Dividend Growth

http://www.mydividendgrowth.com

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26 thoughts on “Portfolio Update: September 2015
  1. David

    Fantastic fresh fund you had in Sep. I wished I had the same amount with the recent 20% market drop. Looking forward to your next update. Enjoy your honeymoon!

     
    Reply
    1. My Dividend Growth

      Hey David, hope all is well man. I appreciate the kind words. I’m very fortunate to put that kind of capital to work. I reached into the emergency fund a bit by about $2,000, so I’ll have a bit to reload after the honeymoon. I’ve only got about a month and a half left on my job, so I’m a little nervous but hopefully you and I can both find a way to invest way more than expected through the end of year.

       
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  2. Andrew

    Who knows maybe those deals will get a lot cheaper when you come back from your honeymoon and all you’ll have missed out on is higher stock prices. 36k so far this year is Crazy good. Some people out there struggle to put away 1k a year. You are way ahead of the crowd and will be relaxing in ER while others who didn’t plan so well must keep punching in and out of work. Sitting on my night shift at work I was glad to get your email update, it gave me a break from the grind. I hope to have just as impressive numbers in a year from now!

    Andrew
    SHM

     
    Reply
    1. My Dividend Growth

      Hi there Andrew. That’s a great point about timing the market, it’s impossible to do so I shouldn’t worry and just enjoy the ride.

      What a fun ride it’s been. I wasn’t expecting to land anywhere close to this kind of income at the start of the year or ever really. I remember making less than $14K in 2011 and having to survive in LA. It’s great to see all my hard work starting to pay off. Hopefully I can find a way to keep it up at the turn of the year when I have to find another show to edit and produce.

      Glad to relieve you from some boredom at work, keep up the great posts over there so I can keep getting distracted too 😉

       
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  3. Zero to Zeros

    Glad to see a fellow DGIer join the Robinhood club! I’ve been using it since the day it came out and so far have been absolutely loving it. I feel very lucky to have started investing in an age where a commission-free broker exists!

    Love your KMI purchases. I myself initiated a position 2 days ago around the same price, what a steal! If the price remains at sub-$30 levels for the foreseeable future, I’m going to load up on shares like there’s no tomorrow, haha.

    Keep up the amazing progress bro. Insane that you’ve managed to double your portfolio’s value in just a year!

    Cheers

     
    Reply
    1. My Dividend Growth

      Go Robinhood! I first heard of it from Scott @ TwoInvesting a while back. Now I regret waiting so long to try it out. There are so many things to like about it and once they fix a few smaller issues and allow webpage access it’ll be perfect. I wonder if they’ll eventually start charging a fee like so many others who’ve tried the free model. Either way I’m very happy so far and can’t see myself adding to Loyal3 any time soon because of that.

      Great to be on the same page as you in KMI, you had a very nice write up of it too! I’ve been a shareholder since 2013, but I’m glad to finally add them to the taxable account so I can use that income in a few years. It’s a staple in many DGIer’s portfolio for a reason and I’m glad you’re in on it.

      Always great to hear from you Alex. Keep up the tremendous progress yourself my friend 🙂
      ~Ryan

       
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  4. john pandya (@voidist108)

    thanks ..follow you with interest all the time…..i was a fund manager for 35 yrs ..just been made to retire at

    age 60…..i absolutely believe in long term investing…value or otherwise…(..just make sure you dont do

    it in market like Japan where there is a 3 decade bear market)

    Kind rgds and Keep it up

     
    Reply
    1. My Dividend Growth

      Thank you for following along with my progress, John. It’s very neat to hear from a former fund manager. Money managing and coaching is something I’ve been itching to get involved with myself, maybe I’ll switch gears and pursue it at some point down the line. I promise to diversify just in case we see any bear markets like Japan, scary to think of bad case scenarios but much needed when considering risk. Hope to hear from you again and thanks for the comment 🙂

       
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  5. DivDayDreamer

    Ryan,
    Very impressive progress that you are sharing with us, that YOY growth is staggering. Can you even imagine what kind of porfolio value and passive income you’re going to be reporting in a few years? Have a great honeymoon!
    Dividend Daydreamer

     
    Reply
    1. My Dividend Growth

      Thank you kindly, DD! A few years seems so far away and unpredictable, but meanwhile I can take a look at your monthly dividend income for inspiration. Wow, you’re doing so great, it’s very motivating for someone just starting out like myself 🙂 I appreciate the kind words and hope you have a great week ahead.

       
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  6. JC

    I love that portfolio contributions graph. It really shows just how hard you’ve been working to save and invest your capital. And I feel your pain on not being able to have capital ready to invest. I haven’t been able to make one single purchase during the market dip of the last couple months except for a few dividend reinvestments. That’s been brutal. But cash flow should be improving in the second half of this month and hopefully I’ll be back to making at least a small purchase each month while we also build up savings. Great job as always! And enjoy the honeymoon!

     
    Reply
    1. My Dividend Growth

      Absolutely, that graph means a lot to me because the contributions are so important to the strategy. You’ve proved that nicely these last few years. I feel for you on not being able to invest during all this my friend, I’m regretting not being able to add more here too so I can’t imagine what you’ve been going through not being able to partake in all the deals. There’ll be plenty more to come in our investing lifetimes though, it’s pretty crazy to think that really we’re just getting started in this adventure. I’m very much looking forward to your first few purchases once you get some ammo, here’s hoping for more market noise for everyone. I always enjoy hearing from you JC, thanks for the comment!

       
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  7. Tawcan

    WTG on being able to contribute over $5k. KMI is a great buy even though the price is taking a beating. Lots red marks in the portfolio but that is OK because it allows us to accumulate stock at cheaper price.

     
    Reply
    1. My Dividend Growth

      Howdy, Tawcan! I was so happy to see KMI tank with the rest of the MLP’s. So far it’s looking like I got in at a good time, but who knows what opportunities are on their way. I love that my only regret in seeing so much red in the portfolio is not having enough fresh capital to take advantage of the opportunity. It also helps to have an awesome support system in fellow bloggers like yourself for constant reminders to think long term. Hope all is well and thanks for stopping by!

       
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  8. Dividend Gremlin

    Ryan,
    Man you are putting a lot of cash to work! I like that KMI move – almost $100 forward divs (and that does not count increases!). I am interested to hear about your use of Robinhood. I’ve looked into it too, but I stayed away because i want to keep it simple for the time being.

    By the way, I am sure the honeymoon will be worth it. Enjoy Greece man!

    – Gremlin

     
    Reply
    1. My Dividend Growth

      Hi Gremlin, hope all is well. Gotta love KMI’s 7% yield, that was impossible to pass up much like BP and Shell’s recent yields. KMI is probably a better and safer investment too.

      Robinhood would be perfect for you. I think it’d help get your money working a lot faster in much smaller increments. I had fun buying single shares and ‘timing’ the purchases a bit during the trading days. I honestly don’t see myself going back to Loyal3 for much after my brief use of Robinhood. The main difference is that Robinhood trades execute instantly, you can only buy whole shares instead of fractional shares and it’s only available through the app.

      Good point about the honeymoon, time to enjoy ourselves with a trip of a lifetime 🙂

      Best,
      Ryan

       
      Reply
  9. Dividend Chimp

    Hey Ryan,

    Great to see you are doing so well. It’s nice to see a dividend investor “dividend growth investor” with Visa. It’s been ignored to some extent by dividend investors due to the low yield, but the company is growing strong, I just included it a post about stocks with double digit earnings growth. It’s often overlooked, thing are looking good.

    Best,
    Devin

     
    Reply
    1. My Dividend Growth

      Hi Devin, hope you’re having a good week so far and thanks for the kind words. My only regret with Visa is not buying more. I absolutely love the company and that was a very cool post you wrote about it. I’m a big fan of lower yielding stocks with high capital and dividend growth rates. I have a few of them now, but once my portfolio’s income starts taking off I’ll be adding mostly those kinds of businesses. Good to hear from you my fellow Californian!

       
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  10. Jason Fieber

    Ryan,

    What a great spot to be in. Really impressive amount of capital you put to work last month (and the whole year). Now you can just breathe easy and have fun in Greece. Meanwhile, you know you’ve got dozens of companies working on your behalf. You said you won’t have a paycheck over the next few weeks, but you’ve actually got quite a few coming in. 🙂

    Keep it up, man. You could sit on your hands for the next three months and still end up with a fantastic year. But I’m sure you’ve got more in the tank.

    Have fun over there. Excited for your life changes!

    Best regards.

     
    Reply
    1. My Dividend Growth

      You said it, Jason. Sometimes I find it hard to believe I’ve come far. Four years ago I would never have imagined I’d be flirting with a six figure net worth in my lifetime but here I am. I’m so lucky to have found and learned from you too so I didn’t waste it all away. Through it all, I’ve also found a passion for money management that I never knew I had which is very cool. But you’re exactly right that I deserve some good old rest and relaxation knowing my life and finances are finally on the right track.

      You’ve been on fire with the purchases lately, so inspiring. I’ve got a tiny bit left in the tank for investing, but I’ll mainly be focusing on building back up the emergency fund for when I’m out of work at the end of the year. Hope all is well with you my friend, talk soon!

      ~Ryan

       
      Reply
  11. Dividends With Children

    Ryan,

    I’ve never heard of Robinhood and will have to take a look. That’s the great thing about perusing a variety of blogs; you always learn something new 🙂

    You grabbed KMI at a fantastic price considering the energy bump over the past two sessions. It should be a great play over the long run and must feel fantastic adding nearly $100 in annual dividends in one fell swoop.

    Keep on chugging!

    Best,

    DWC

     
    Reply
    1. My Dividend Growth

      Long time, DWC. I hope all is well my friend!

      So far that jump into KMI was very well timed, it averages down my ROTH IRA position quite nicely but who knows what’ll happen to prices. Yes you need to look into Robinhood! I highly recommend it so far, though I haven’t dealt with customer service yet. It’s a little risky to some to not have a physical office to walk into or even a webpage (only accessible by app so far) but it has a ton of potential. I wrote a few differences between Robinhood and Loyal 3 to Dividend Gremlin in an earlier comment that you might want to check out. Let me know if you try it and what you think. Good to hear from you 🙂

      Best Wishes,
      ~Ryan

       
      Reply
  12. DivHut

    Awesome results and impressive contributions for 2015. You have totally smashed your goal for adding capital. Lots of red in your portfolio. Might be a good time to average down on some of the best companies you already own and build up rather than spread out with a new buy. Keep the momentum going. Always inspirational.

     
    Reply
    1. My Dividend Growth

      Hi Keith, thanks for the nice words! The age of my portfolio is definitely showing with all the red. You read my mind exactly with averaging down, I’ve been doing that since mid July. It feels like it’s been forever since a new business entered my portfolio and I miss it, but lowering my cost basis is a much higher priority. I wish I had more capital, but it’s going to be a lot slower going forward for a while. Always great to hear from you.

      ~Ryan

       
      Reply
  13. Tony @ Investing Track

    I’m waiting to buy stocks. I don’t like how the U.S. stock market is so choppy. Probably 1 more pullback before I start buying.
    Also, the U.S. economic data is deteriorating. A softening economy will put some pressure on stocks (although the pressure will not be enough to cause another massive decline).

     
    Reply

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