Friday, July 12, 2019

Dividend Received in June 2019

Dividend Received in June 2019

In June 2019, I have received in total $83.4 in dividends. Compared to last quarter, 3 stocks have raised their dividends. Johnson & Johnson (JNJ), Pfizer (PFE), and Pepsi Co (PEP) raised their dividend to 5.55%, 5.88%, and 3.15% respectively. This month I have started to receive dividends for the first time from my two new investments Intel Corp (INTC) and 3M Corp (MMM). 


The chart below shows the dividends received monthly from my portfolio. The chart clearly indicates the growth of my monthly dividends with time. 


The following chart compares my monthly dividends on a yearly basis. In June 2019, I have received $83 while in 2018 at the same month I received  $51 which is 63.27% higher than the last year at the same month.


The next table shows the monthly dividends received so far for the year 2019. So far in 2019, I have received in total $467 after June 2019. 


The following table shows my dividend growth performance so far in 2019. The last column of the chart shows the change in dividends compared to the previous year. The box marked green indicates the percentage of dividends increased in the year 2019 while the box marked red means a decrease in dividends this year. This month I got a dividned increase from the big banks in the USA. Bank of America (BAC) increased 20% and JP Morgan (JPM) increased 12.5%. In the industrial sector, Delta Airlines (DAL) increased by 15%. So because of the increase, I will get almost $18 increase yearly in dividends.


My projected annual dividends in June 2019 is $900. My goal is to go for the long term so if I keep investing in dividend stocks and the dividends increases continue every year then my projected annual income through dividends will continue to go up.



Sunday, June 30, 2019

My Portfolio Update in June 2019

My Portfolio Update in June 2019

I am updating and sharing my portfolio on June 30th, 2019. Currently, I am holding 29 stocks in my portfolio. I have diversified my investments into 9 different sectors with the financial and the consumer sectors are the majority. My next three equal diversification is in Tech, industrial, and health sectors. I am holding small positions in communication, basic materials, real estate, and utility sectors. Currently, I am not investing in any in the financial sectors. This month I invested mostly in the health sectors as the prices of the stocks in this sector are in great deals. I invested in Abbvie (ABBV) and Bristol Myers-Squibb (BMY). I also invested a small percentage in The Kraft & Heinz (KHC) to average down my cost. Please check below my detailed portfolio updated on June 30, 2019.


Below is the pie chart of my portfolio diversity based on sectors. In the future, I don't have any plan to add in the financial sector. I am watching a few stocks to invest in the tech and consumer sectors. I am closely watching to add stocks of Intel (INTC), Texas Instrument (TXN), Cisco (CSCO), Emerson Electric (EMR), and Leggett & Platt (LEG).
Dividend Meter:
The meter below shows my projected annual dividends updated on June 30th, 2019. My current annual projected income is $900.96. I have set my annual dividend target to $100 per month which is $1200 per year.

The current yield of my portfolio is 2.72% and my yield on cost (YOC) is 3.01 which increased from 2.95. 

The figure below shows the comparison of my current yield and YOC with the increasing time. My target of YOC is 10%.
The chart below compares my dividends received per month on a year by year basis. The yellow color is for 2018 and the green color is for 2019. In June 2019, I have received $83 while in the same month last year I received $51 which is 63.27% higher than the last year at the same month.


My dividend distribution chart shows the percentages of dividends received from a particular share. I am gradually balancing my dividends to not to go more than 6% per company. The balancing is very important because if a company cut its dividend then it will not hurt my total dividends much. I am getting 10.19% of all dividends from At&t(T).
My projected annual dividend income with time is shown in the following chart:

Portfolio Performances:
The following chart summarizes the performance of my stocks. The prices are based on June 29, 2019. So far my biggest gain is Mastercard (MA) with gain as 78%. My second and third top performers in my portfolio are Microsoft (MSFT) and Visa (V) with 61 and 57% gain respectively. My overall gain is 15.96%.




Saturday, June 22, 2019

Best Dividend Stocks to Buy now

Best Dividend Stocks to Buy Now

Hello everyone, today I am sharing my ways of making decisions about buying stocks. This market is already pricy and it is risky to invest but there are still plenty of good quality stocks which are really cheap and they have a history of paying dividends. Currently, I have 29 stocks in my portfolio which are shown below:

I have selected these stocks for the longer term. My main target is to receive dividends and reinvest them again. I am not doing DRIP. I am collecting money and buying stocks which are cheap. I have long term belief that these stocks will perform well in the next 10 years at least. To select which stocks to buy I just consider three main criteria. They are Payout ratio, P/E ratio, and Morningstar fair value to the current price.

Payout Ratio:


The above table shows the payout ratios of all of my stocks which is the ratio of the annual dividends received from a company per share and estimated earnings per share in 2019 then multiplied by 100.

The dividend payout ratio is very important for dividend growth investors. From the ratio, you will be able to know how much percentage a company is paying its dividends to its shareholders compared to its earnings. If the ratio is more than 100 then you will be in an alert that anytime this company will reduce their dividends. I normally prefer stocks with less than 80% payout ratio. From the above table, you can see that only 3 of my stocks have a payout ratio of more than 80% but they are REITs and Utility stocks. Normally their payout ratio is always high and I am invested only a few percentages of my portfolio.

P/E Ratio:


P/E ratio is another important term to make a decision about the fair price of a stock. If a company's P/E ratio is higher then the stock price is overvalued. I generally prefer to buy stocks whose P/E ratio is below 20 at this current stock market situation. I will not add any stocks in my portfolio if the ratio is more than 20. From the above table, it can be seen that I have plenty of stocks in my portfolio whose ratio is almost 10. Most notably, At&t (T), JP Morgan Chase (JPM), Intel (INTC), Delta Airlines (DAL), Bristol Myers (BMY), Bank of America (BAC), Albemarle (ALB), and Abbvie (ABBV).

Morningstar Fair Value Indicator:

                                                                                                                              Source: Morningstar

The fair values are based on Morningstar. For some stocks, Morningstar does not have a fair value analysis. So I kept them blank. Fair value indicator was calculated by dividing the current price by the fair value suggested by Morningstar. If the value is more than 1 then the stock is considered as overpriced and below 1 is considered undervalued. I consider buying a stock if the indicator shows less than 0.9. 

Overall comparison of all of my stocks:


                                                                                     Sources: JP Morgan You invest and Morningstar
The above chart summarizes the health status of my portfolio. I am considering buying stocks who have green in all the three categories such as Payout ratio, P/E ratio, and Morningstar fair value indicator. Below is that chart which summarizes the stocks I am watching to buy.


The above stocks are really cheap to add in the portfolio. I am adding ABBV, ALB, and KHC to average down my cost basis. I have added Emerson Electric (EMR) and Leggett and Plat (LEG) last month at $62 and $35.5 respectively. I will add a big amount in BMY and INTC if the prices drop to $45 and $42.5 respectively. 

My Watchlist for New Stocks:

I am also watching some stocks which I wanted to add in the near future but I cannot add now due to their high prices. I will add them when the prices will drop and meet all three green regions.


                                                                                   Sources: JP Morgan You invest and Morningstar


Saturday, June 15, 2019

Dividend Received in May 2019

Dividends received in May 2019

In May 2019, I have received in total $73.46 in dividends. Last quarter in February 2019 I received $73.6 which is almost no change. Apple raised its dividends 5% and I added 10 more At&t shares. On the otherhand, I have sold all of my positions in Energy transfer limited partners. I want to avoid those complicated K1 filing for tax purposes.

 The chart below shows my monthly dividend charts. The charts clearly indicate my dividend growth rate with time.




The following chart compares my monthly dividends on a yearly basis. In May 2019, I have received $73 while in 2018 at the same month I received only $39 which is almost 87% increase from the last year.


The following chart shows my monthly dividends received so far for the year 2019. At the bottom, the red row summarizes the total dividends received this year from the stocks that were sold.


The following chart shows my dividend growth performance so far in 2019. The last column of the chart shows the change in dividends compared to the precious year. The box marked green indicates the percentage of dividends increased in the year 2019 while the box marked red means a decrease in dividends this year. This quarter I received increased dividends from two of my favorite companies Apple and Procter & Gamble and they raised 5.48 and 4.04% respectively. So far this year my biggest dividend growth performers are Home Depot and MasterCard. They have increased their dividends 32% this year. Other notable increases are from Comcast and Albemarle who raised their dividends to 10.53 and 9.7% respectively. My only stock who slashed their dividends this year is the Kraft and Heinz Company. They reduced 36% of their dividends from the prior quarter.


My projected annual dividends in June 2019 is $846. My goal is to go for the long term so if I keep investing in dividend stocks and the dividends increases continue every year then my projected annual income through dividends will continue to go up.



Sunday, June 9, 2019

My Portfolio Update for May 2019

My Portfolio update for May 2019

Today I am sharing my portfolio updated on May 31st, 2019. I am continuing to shrink my portfolio and now I have 28 stocks in my portfolio. I have sold all of my high yield BDCs and REITs and currently holding cash. I was expecting a big crash in May but in June the prices going up like crazy. In May tech, healthcare, and industrial sectors were down. So I added a few shares of Intel Corp (INTC), Texas Instruments (TXN), Bristol Myers-Squibb (BMY), Emerson Electric (EMR), and 3M Corp (MMM). Thanks to the JPMorgan analyst Tusa for downgrading MMM. He was the analyst who predicted the fall of General Electric (GE). Because of his negative rating, the prices of MMM plunges to $160. It gave me the opportunity to initiate my position in MMM. My largest position is still in Apple (AAPL) while I am gaining almost 70% with Mastercard (MA) which is my second highest stock in my portfolio. 

Below is the pie chart of my portfolio diversity based on sectors. My highest sector is financial followed by consumer sectors. This month I lowered my position in financial and REIT sectors and I increased my position in Tech and Health sectors.





The meter chart shows my projected annual dividends on May 31st, 2019. Currently, my yearly income through dividends is $846.44. This month my annual income dropped $160. I sold all of my high dividends BDCs and REITs. Currently, I am only buying only in companies who have a long history of paying dividends.


The current yield of my portfolio is 2.81% while my yield on cost is 2.95%. I am only investing in companies who increase dividends every year so for the long run, my YOC will increase.


The figure below shows the comparison of my current yield and yield on cost with the increasing time. 

The chart below compares my dividends received per month on a year by year basis. The yellow color is for 2018 and the green color is for 2019. In May 2019, I have received $73 while in the same month last year I received $39 which is 87% increase compared to last year.


. My dividend distribution chart shows the percentages of dividends received from a particular share. I am gradually balancing my dividends to not to go more than 6% per company. The balancing is very important because if a company cut its dividend then it will not hurt my total dividends much. I am getting 10.84% of all dividends from At&t (T).

The following chart summarizes the performance of my stocks. The prices are based on May 31st, 2019. So far my biggest performer is Mastercard (MA). I have gained 69.5% in just 1.5 years of investing which is followed by Microsoft (MSFT) with a 49.11% gain. I have also gained more than 40% with Procter & Gamble (PG) and Visa (V). The biggest losing stocks are Albemarle (ALB) and The Kraft & Heinz (KHC). I am long with both of them. I am adding more stocks in ALB. I am currently holding cash to buy more stocks of Intel (INTC), Bristol Myers-Squibb (BMY), 3M (MMM), Texas Instruments(TXN), and Cisco (CSCO).

My projected annual income through dividends is $846.55. Every month I am investing 10% of my monthly salary after tax to buy stocks. So my annual projected dividends will increase with time because of investing and dividend raise from the companies.



Sunday, May 19, 2019

My Portfolio update for April 2019

My Portfolio update for April 2019

Today I am sharing my portfolio updated on May 10th, 2019. This month I have shrunk my portfolio to 34 stocks with Apple (AAPL) is my majority holding. I am gaining big on Mastercard (MA) which is 76% upside since I purchased in December 2017. I am holding some high yield REITs such as AGNC, NLY, and NRZ. I am planning to trim all of these high yield REITs. Next week I am planning to sell all of these stocks and will hold cash in hand. My guess is like the market is due to have a correction soon. So I will hold cash in my hand and will only invest in big companies. In April I have sold all of my positions in Ford (F), Bristol Myers-Squibb,(BMY), Intel Corp (INTC), and the Citi Bank (C). In May I am planning to add more BMY, INTC stocks in my portfolio and closely watching 3 M (MMM). I may initiate its position around $170. 

Below is the pie chart of my portfolio diversity based on sectors. My highest sector is financial followed by consumer sectors. This month I have invested heavily on REITs but I think they are too risky to invest in this unstable market. So I am planning to sell most of them. In the coming month, my target is to lower the finance and real estate sectors. On the other hand, I will increase my position in the health and tech sector.

The meter chart shows my projected annual dividends on the 10th of May 2019. Currently, my yearly income through dividends is $1108.55. 

The current yield of my portfolio is 3.37% while my yield of cost is 3.63%. For investing in the long term my YOC will keep increasing due to its dividend increase.


The figure below shows the comparison of my current yield and yield on cost with the increasing time. YOC increases when a company increased its dividends and current yield decrease when the price of a stock drops. For a dividend investor that is the time to purchase stocks at higher yield and lower P/E ratio.



The chart below compares my dividends received per month on a year by year basis. The yellow color is for 2018 and the green color is for 2019. My dividends in April 2019 increased almost 3.5 times compared to last year.


My dividend distribution chart shows the percentages of dividends received from a particular share. Currently, I am invested to some high yield REITs. Gradually, I will balance my dividend distribution not more than 6% per company.

The following chart summarizes the performance of my stocks. The prices are based on May 10th, 2019. So far my biggest performer is Mastercard (MA). So far I have gained 66% in just 1.5 years of investing which is followed by Microsoft (MSFT) with a 53% gain. I have also gained more than 40% with Procter and Gamble (PG) and Visa (V). My biggest losing stocks are Albemarle (ALB) and The Kraft and Heinz (KHC). I am expecting a good future of Albemarle (ALB) and I keep buying the stock and also planning to buy more after the earning report of KHC. This month I am holding cash to buy stocks of Intel (INTC), Bristol Myers-Squibb (BMY), and 3M (MMM).











Thursday, May 9, 2019

Dividends received in April 2019

Dividends received in April 2019

In April 2019, I have received in total $75.67 in dividends. Last quarter in January 2019 I received $54.7 in dividends. So in April, my monthly dividend increased $21 which is 38.34% higher than the last quarter. In February I initiated my position in AGNC which pays a monthly dividend of $9. Moreover, I added my positions in New Residential (NRZ) and JP Morgan (JPM).


The chart below shows my monthly dividend charts. The chart clearly indicates my dividend growth rate with time.



The following chart compares my monthly dividends on a yearly basis. In April 2019, I have received $75.67 while in 2018 at the same month I received only $22 in dividends. In one year my dividend increased 243.95%.


The following chart shows my monthly dividends received so far in 2019. At the bottom, the stocks with red color mean I no longer hold those stocks. I shrank down my portfolio at the end of April and currently holding cash to buy stocks at low prices.


The following chart shows my dividend growth performance so far in 2019. The last column of the chart shows the change in dividends compared to the previous year. the column marked green indicates the percentage of dividends increased and red means dividends decreased. So far my best increase in dividends is Home Depot (HD) and Mastercard (MA) which raised dividends 32% compared to last year. Other notable companies that increased their dividends are Comcast (CMCSA) and Albemarle (ALB) with 10.5 and 9.7% increase respectively. My worst performing dividend stock is the Kraft and Heinz (KHC). They lowered their dividends 36% compared to the last year. Currently, I am holding this stock and planning to sell around $40.