Portfolio Update - March 2020

Portfolio Update - March 2020

Today I am going to share my portfolio at the end of March 2020. This month we entered the bear market and my portfolio nose dived and I had to sell all of my remaining position of Delta Airlines (DAL) and also I have lowered my positions in the British Petroleum (BP) and Exxon Mobil (XOM) to raise some cash to buy some great stocks those I was waiting for an entry point for quite a long time. In February, I have sold all of my positions in Bank of America (BAC) at $34.5, 3/4 th of my JP Morgan (JPM) at $103, and Delta (DAL) at $46. I invested in DAL for a long time but I have decided to seel all because it will take them years to recover and the dividend is not going to come soon. because I am a dividend growth investor so I don't need to be invested for long in this stock. I was so lucky that I made a quick decision to sell most of my positions at $46. I sold my last few positions at $25. I raised a lot of cash in February by selling the stocks and I was holding around 10% cash in my brokerage account. I was so much active in the market around mid March and I think I made some great investment for the longer term. With those money I have opened my position in Starbux (SBUX) at $52, Disney (DIS) at $92, Cater Pillar (CAT) at $97, Realty Income (O) at $47, Store Capital (STOR), Duke Energy (DUK) at $74, and Southern Co (SO) at $44 in March. I have also added McDonald's (MCD) at $130, Cisco (CSCO) at $37, Leggett & Platt (LEG) at $23, Johnson & Johnson (JNJ) at $123, Emerson (EMR) at $46, Honeywell at $117, 3M (MMM) at $138, PPL at $26, and At&t (T) at $27. At the end of this blog you will see my overall portfolio. Below is the table that shows my portfolio distribution:

The same table is shown as a pie chart. I have invested in Apple (AAPL) in 2018 December and since then it sky rocketed. I am adding any more AAPL as I am holding more than 10% in my portfolio. I am also not going to invest in MMM anymore. I will add more positions in JNJ, HD, and MCD if I get them cheap. Microsoft(MSFT) is looking expensive right now. I will also add more DIS, CAT, and HON. I am also keeping an eye on O, STOR, DUK, and SO stocks.

The sector distribution of my portfolio is shown in the following pie chart. The sectors are based on Yahoo Finance. Currently, my highest position is in the health sector with 20% of my portfolio. I just invested in JNJ this month but the increase is because I have lowered my positions significantly in the financial and the energy sector. My second highest sector is the technology sector with 18%. The technology performed better in March and I have added more CSCO stocks. 

I always update my transaction in the tipranks website and the figure below compares my portfolio performance against the S&P 500. In most of the cases my portfolio beat the market.

My performance as a portfolio manager is also not bad. At then end of March I was ranked 1530 out of 24989 managers which is at the top 6%. My portfolio has gained 26.05% since I started to invest since 2017 August. Last month my gain was 69%. Last months bear market brought my gain down to 26%. My sharpe ratio is 0.81 while the average tiprank managers is -0.27.

My 12 month returns (TTM) is -6.07% while the YTD return is -19.5%. There may be more down turn in my portfolio but I am investing for long term so I should not be worried about this roller-coaster type movement.

The meter below shows my projected income in terms of dividends. On 31st March 2020, my projected income through dividends were $1118.99. It dropped from my last month because I have sold some high yield oil shares and holding cash. This income may drop more because some of the companies may cut their dividends.

My current yield on cost (YOC) is 3.84% while my current portfolio yield 3.54%. Because I am investing in dividend growth stocks so my YOC will continue to grow with time while the current yield depends with the market volatility. The yield will go up when the market is down and the vice versa.

The following figure shows the comparison of my current yield and YOC with time. Because the market dropped a lot, that's why the current yield is going up. This signals a buying opportunity in the market. For the longer term, if I keep investing in dividend growth stocks, my YOC will keep growing with time.

The following chart shows my growth in projected annual income with time. It is slowly but steadily increasing and this month I have received my highest earning so far through dividends.

The table below summarizes the dividends that I received in March 2020. This month I have received $144.16. My highest paying dividend paying stock for this part of the quarter was BP. Then MMM, HD, JNJ, XOM, and PFE. 

The following table shows the detailed performances of my portfolio. The current prices are based on March 31st, 2020. In the chart, I have shared my current positions, annual income through dividends, total received dividends from each companies so far, cost basis, YOC, current yield, and finally the total gain or loss including the dividend income. The top 4 stocks that I gained the most so far is MSFT 91%, MA 64%, PG 55%, and AAPL 54%. Currently, I am in the downside in all the oil stocks. I am more than 30% down in XOM, BP, and CVX.

Monthly dividend update - March 2020

March 2020 - Monthly Dividend Update

Hello everyone, I am updating my dividend portfolio in March. I always keep a record of my dividend investing in google sheet. It helps me to understand my portfolio performance so that I can make the right decision of my trades. This will also give me an idea about my future performance. I also love to share my portfolio with everyone. In March 2020, I have received a total of $144.46 in dividends. This month was the best month for me in terms of dividend-paying. Most of my dividend paid stocks actually pay dividends at this part of the quarter. I have received $18 from BP, $17.67 from MMM, $15 from HD, and $12.35 from JNJ. This month my YOY dividend growth is 37.7%. Last year this month I received $106 in dividends. I am expecting dividend cuts from some of the positions that I am holding especially from the oil stocks that I am holding. The Kraft and Heinz may also cut the dividend. Other than that I am not expecting any dividend cut from any of my stocks that I am holding.

Dividends Received in March 2020

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

Monthly dividend received since June 2017

The following chart compares my monthly dividends on a yearly basis. In the last month, I have received $146 while in the same month in 2019 I received $106 which is 37.7% YOY growth in income through dividends.

Comparison of Monthly dividends received in each year

The next chart shows the total amount of dividends received on a quarterly basis. My previous two years had seen an increase in dividends every quarter. This year I am also expecting a similar increase in dividends. At the end of the first quarter, I have received a total of $292.84. Last year in quarter 1, I received $235.01. So its a 24% YOY increase on a quarterly basis.

Dividend Income on a Quarterly Basis

On a yield basis, the current yield of my overall portfolio is 3.54% while my yield on cost (YOC) is 3.84%. My current yield increased because of the market crash. The yield is dependent on market performance. In the bear market, the yield always goes up while the YOC increases on a yearly basis because of the dividend hike each year. 

YOC vs. current yield with time

The chart below shows the average dividend income received monthly and the average amount of dividends received monthly. I am slowly increasing my passive income and if I continue to invest in the dividend-paying stocks it will only grow with time. 

The following chart and table below summarize my dividend distribution in the portfolio. The most percentages of dividends I am receiving are from Abbvie (ABBV), At&t (T), and 3M (MMM) stocks. In the next few weeks, I will add some Home Depot (HD), Johnson & Johnson (JNJ), Disney (DIS), Caterpillar (CAT), and Honeywell (HON) stocks. I will not add ABBV and T anymore because I am receiving 11 and 9% of my dividends from these two stocks respectively.

The following table shows the dividends that I received from my positions in each month. In March 2020, I have received dividends from mostly BP, HD, MMM, and JNJ.

The next table shows the total dividends received in 2020 from my positions. In March, I have received $146 and the chart will help me to keep a record of my yearly income.

The next table shows my dividend growth performance in 2020. Out of my 37 stocks, 17 of them already increased their dividends while no one cut their dividends yet. I am expecting that BP, XOM, and KHC may cut their dividends significantly. Mastercard (MA)  increased 21%, ABBV 10%, Home Depot (HD) 10%, Bristol-Myers (BMY) 10%, and Comcast (CMCSA) 10% in the current year which indicates a solid increase on my passive income.

Monthly dividend update - January 2020

January 2020 - Monthly Dividend Update

In January 2020, I have received a total of $62.34 in dividends. The table below shows the amount of dividends that I have received from the companies. This part of the quarter I receive the least amount of dividends. My highest paying company is JP Morgan (JPM) stock then followed by Medical Properties (MPW). This month my YOY is only 13%. I have added a few stocks of PPL corp and added GAP Inc (GPS) for a short time. Because of the addition, my dividends increased from the last quarter. 

The following chart 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 the last month, I have received $62.34 while in the same month in 2019 I received $54.7 which is 13% YOY growth in income through dividends.

The next chart shows the total amount of dividends received on a quarterly basis. My previous two years had seen an increase in dividends every quarter. This year I am also expecting a similar increase in dividends. 

On a yield basis, the current yield of my overall portfolio is 2.99% while my yield on cost (YOC) is 3.78%. For a dividend investor like me, YOC is an actual yield than the current yield. The current yield varies with the market condition. The bull market moves the yield lower and vice versa for the bear market. However, the YOC only increases with time if you invest in dividend growth stocks. If you only invest in these types of companies your YOC will only increase with time. 

My projected annual income in January 2020 is $1214.38. This month my dividend income increased by $40 in total. This is the first time my annual income crossed $1200 limit which was my first goal to earn $100 monthly from dividend income. That's a real passive income. I will keep investing every month and just imagine how much my monthly income will grow as time passes by.

The chart below shows the average dividend income received monthly and the average amount of dividends received monthly. I am slowly increasing my passive income and if I continue to invest in the dividend-paying stocks it will only grow. At the time of retirement, I don't need to rely only on my social security income.

The chart and table below summarize my dividend distribution in the portfolio. The most percentages of dividends I am receiving are from ABBV and T. I also invested in BP this month so my 3rd highest paying dividend stock is BP. I am planning to add more BP this month. I am also worried about the Kraft & Heinz (KHC) stock. They lowered their dividends last year and some analysts are saying that they will again lower the dividends. If they again decrease then my income will be lower. Its dividend safety score is only 29 so there is a high chance that they will cut their dividend again. So I am planning to make my position to less than half and will buy BP with that money. 

The following table shows the dividends that I received from my positions in each month. In January 20 I have received dividends from JPM, MPW, IRM, and PPL mostly. 

The next table shows the total dividends received in 2020 from my positions. So far this month I have received $62.34. This chart will help me to keep a record of my yearly income.

The next table shows my dividend growth performance in 2020. Out of my 33 stocks, 10 of them already increased their dividends. Bristol-Myers Squibb (BMY) and Chevron (CVX) increased their dividends 9.8 and 8.4% respectively compared to the last years 4 and 6% increase. ABBV, Mastercard (MA), and Comcast (CMCSA) also increase their dividends 10.3%, 21.2%, and 9.5% respectively.

Portfolio Update - December 2019

Portfolio Update - December 2019

Today I am sharing my portfolio at the end of December 2019. I am holding 34 stocks in my portfolio. This month I have opened 4 new positions in my portfolio. I have initiated my positions in British Petroleum (BP), L Brands (LB), and Gap Inc (GPS). I am long on BP but I am not long on LB and GPS. I am expecting a short term gain from LB and GPS. They are pretty much down in December and in my opinion, I think they are undervalued. In the coming earnings time, I am expecting a big jump in these two stocks. I am also holding cash because at the current situation of the market it's really hard to find an undervalued stock. The chart below shows my current portfolio and sector distribution of my portfolio.

The pie chart below shows diversity. The chart indicates a well-diversified with Apple (AAPL) is my highest position. Apple's recent surge increased my holding percentage a little high. My next big holdings are JP Morgan (JPM), Abbvie (ABBV), Home Depot (HD), and 3M (MMM).

The sector distribution of my portfolio has been shown in the following pie chart. The sectors are based on Yahoo Finance. My highest position is in the consumer sector with 21.5% combined (both consumer and defensive). My other largest sectors are the healthcare, financial, and technology sectors respectively. 

The meter below shows my projected income in terms of dividends. On 31st December 2019, my projected income through dividends were $1174. I have set my first target to $100 per month form dividends which is $1200 per year. Compared to last month my dividend increased from $1079.89. The increase is due to my investment in higher yield stocks such as. Gap Inc (GPS), L Brands (LB), and British Petroleum (BP).

The current yield of my portfolio is 2.93% while my Yield on Cost (YOC) is 3.75%. Because of my investment in high yield stocks, my income increased 0.05% compared to the last month.

The following figure shows the comparison of my current yield and the YOC with time. It shows that the YOC of my portfolio is going up while my current yield is below the YOC. Because I invest in dividend growth stocks that's why my YOC will keep increasing with time. However, current yield depends on market volatility. If the market is up the yield drops and if the market is down then the yield increases.

The following chart shows my growth in projected annual income with time. It is slowly but steadily increasing and reaching to achieve my first goal.

The table below summarizes the dividends that I received in December 2019. This month I have received the highest amount of dividends. The increase is due to the addition of MMM and JNJ stocks and dividend increases from JNJ, MSFT, V, and MCD.

The following table shows the detailed performances of my portfolio. The current prices are based on December 31st, 2019. So the prices do not reflect the current price in the market. In the chart, I have shared my current positions, annual income that I will receive in a year, total received dividends from the companies, and finally the gain or loss for each company. Please note that I have added the total dividends received to calculate the gain or loss for each company. My biggest gain so far is MSFT, MA, AAPL, V, and PG. I am invested in a long term in all the companies.

Monthly Dividend Update December 2019

December 2019 - Monthly Dividend Update

In December 2019, I have received a total of $119.65 in dividends. The chart below shows the amount of money received in dividends each month in 2019. This month was the highest amount I received since I started to invest. This month my dividend increased from $101.56 to $119.65 which is a 17.8% increase compared to the last quarter (September). The increase is due to the addition of Exxon Mobil (XOM) in my portfolio. I have also purchased a few stocks of Johnson & Johnson (JNJ), 3M (MMM), and Emerson Electric (EMR). Other than that my income also increased because of the dividend increase from Pfizer (PFE), Microsoft (MSFT), McDonald's (MCD), and Visa (V). On the other hand, I have sold half of my positions in Honeywell (HON). Because of this, my dividend decreased a little bit. 

The next table shows the total dividends received in 2019 from my portfolio. In total, I have received $968.59 in the year. Last year I received $422 in dividends. So this year I have doubled my income.

The next table shows my dividend growth performance 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 current year while the box with red means a decrease in dividends this year. In the last month, I got dividend raise from Bristol-Myers (BMY) 9.8%, Dominion Energy (D), 2.5%, Iron Mountain (IRM) 1.23%, Mastercard (MA) 21.2% and At&t (T) 2%. The increase in dividends raised $8 income in a year. In 2019, I got raised from all the companies except The Kraft & Heinz (KHC).

The chart and table below summarize my dividend distribution in the portfolio. The most percentages of dividends I am receiving are from ABBV and T. I need to diversify my dividend income. I am receiving most of my dividends from a few companies. Specifically, I am worried about KHC. They may cut the dividends again this year. Currently, it is 5.4% in my portfolio. So like last year it may significantly lower my income.

The following chart 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 the last month, I have received $119.65 while in 2018 in the same month I received $82.36 which is 45.28% YOY growth.

The next chart shows the total amount of dividends received on a quarterly basis. This year, the first three quarters remained the same. However, This quarter my income increased compared to the last quarter.  This quarter my income is $270.17 which is 17.07% growth. Again, compared to 2018 Q4 it increased by 42.47%. 

My current yield is 2.93% and my yield of cost (YOC) is 3.75%. This month my YOC increase because of my investment in new stocks which has high yields and also due to the increase in dividends to a few positions in my portfolio.

My projected annual dividends in December 2019 is $1174.76. This month I got a $100 increase in yearly income through dividends. I have added three new positions in my portfolio. I will write about those new additions in my next blog.

The chart below shows the average dividend income received monthly. My average income is almost reaching my first goal of receiving $100 monthly.