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.

Portfolio Update - January 2020

Portfolio Update - January 2020

Today I am sharing my portfolio at the end of January 2020. This blog was written two weeks ago. I was very busy in the last few days so at the current situation of the market the prices of the stocks has a big difference. I will update my current portfolio as soon as possible. As of January I was holding 33 stocks. This month I have sold all of my positions in L Brands (LB). I sold them at $23.4 at the end of January which I bought at $17.4 in November 2019. I got 35% profit in just 2 months of holding. The chart below shows my current portfolio and sector distribution of the portfolio.

The pie chart below shows diversity. The chart indicates a well-diversified portfolio with Apple (AAPL) is my highest position. I bought them in December 2018 and since then it keep increasing. My other top holdings are JP Morgan (JPM) 5.9%, Home Depot (HD) 5.6%, Abbvie (ABBV) 5%, and J&J (JNJ) 4.8%. 

The sector distribution of my portfolio is shown in the following pie chart. The sectors are based on Yahoo finance. My highest position is in the consumer sector with 19.9% (combined). My next large sectors are the technology, financial, and health sectors with 16% each.

I always update my trades in the tipranks website. The figure below compares my portfolio performance against the S&P 500. Most of the cases my portfolio beats the market.

My performance as a portfolio manager is also good. I am ranked 725 out of 23,372 investors which is in the top 3%. My portfolio has gained 69% since I started to invest in the market in 2017 and my sharp ratio is 3.04 while the average is only 0.99. The sharpe ratio is "A measure of your returns and associated risk you take on compared to returns of risk-free assets".

My 12 month returns (TTM) is 30.84% while the YTD return is 7.97%. At the time of writing of the blog the market tumbled almost 10%. So this chart does not count the last 2 days drop.

The meter below shows my projected income in terms of dividends. On 31st January 2020, my projected income through were $1214.38. I have accomplished my first target of earning $100 monthly through dividends. My dividend income increased 3.4% compared to the last month. I have added some oil stocks in this month such as British Petroleum (BP), Chevron (CVX), and Exxon Mobil (XOM). All the oil stocks are down big and I am bullish about the future outlook of this sector. On the other hand I have sold my positions in Gaps (GPS) and L Brands (LB). I have got some nice profit from these two stocks in just 2 months of investment.

My current Yield on cost is 3.78% while my current portfolio yield is 2.99%. 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 the YOC with time. My YOC is higher than the current yield because of the bullish market. For 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 it reached to my first goal of earning $100 per month.

The table below summarizes the dividends that I received in January 2020. This month I have received $62.34. My highest paying dividend paying for this part of the quarter is from Jp Morgan Chase ($16.24).

The following table shows the detailed performances of my portfolio. The current prices are based on January 31st 2020. So the prices do not reflect the current price in the market. In the chart, I shared my current positions, annual income that I will receive in a year, total recieved 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. The top 3 stocks in terms of gain are Mastercard (MA), Microsoft (MSFT), and Apple (AAPL).

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.

Portfolio Update November 2019

Portfolio Update on November 2019

Today I am sharing my portfolio at the end of November 2019. I am holding 30 stocks in my portfolio. I will hold all the stocks for a longer time. My main aim is to invest in dividend growth company stocks and reinvest all the dividends that I am receiving. Last month I did not purchase any new stocks. Currently, I am holding cash and want to wait until the market pullbacks. I actually love to time the market rather buying stocks at random prices. It's always good to buy stocks at a discounted price because purchasing stocks at a lower price gives you the chance to purchase more stocks and hence more dividends. 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 portfolio 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 Morningstar. My highest position is in the consumer sector with 21%. My second and third largest positions are in the healthcare and financial sectors respectively. Recent bull case in the healthcare sector pushed my position in healthcare to second position. My position in tech sector also went up because of the jump in Apple and Microsoft stocks in my portfolio.

The meter below shows my projected income in terms of dividends. On November 30th my projected income through dividend was $1079.89. I have set my first target to $100 per month from dividends which is $1200 per year. Compared to last month my dividend increased from $1068.32. The increase in dividends is due to the 10% increase in dividends from Abbvie (ABBV). 

The current yield of my portfolio is 2.91% while my Yield of cost (YOC) is 3.6%. 

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 the 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 November 2019. This month I have received dividends from the top 2 largest paying companies Abbvie (ABBV) and At&t (T).

The following table shows the detailed performances of my portfolio. The current prices are based on November 30th 2019. So these prices does 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. I am gaining almost all the stocks except KHC and ALB. My biggest gains so far are Mastercard (MA), Microsoft (MSFT), Procter & Gamble (PG), and Visa (V). I am invested for a long term in all the companies. 

Dividend Received in November 2019

Dividends Received in November 2019

In November 2019, I have received a total of $89.69 in dividends. The chart below shows the amount of dividends I received each month in 2019. This month my dividend increased from $81.24 to $89.69 compared to the last quarter which is due to my addition of Abbvie (ABBV) and Bristol-Myers (BMY) stocks in my portfolio. Another reason for the increase is because of the increase in dividends from The Texas Instruments (TXN). On the other hand, I sold half of my position in Mastercard (MA) where dividends decreased $1.65.

The next table shows the total dividends received in 2019 from my portfolio. In total, I have received $843.17 this year.  

The next 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 current year while the box with red means a decrease in dividends this year. In the last month, ABBV raised their dividends 10%. This year I got raised from all the stocks 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 (At&t) with 11 and 8.52% respectively. I want to balance my dividend percentage and set the limit bar at 6%. This will make sure that I am not dependent only on particular stocks. As I suffered a loss in KHC this year. They cut 36% dividends which lowered my income significantly. At the same time, I don't have to worry about ABBV and T because there is no dividend cut coming from them. Their payout ratio remains in the safe zone. I may add more T if the price drops below $32.

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 November 2019, I have received $89.24 while in 2018 in the same month I received $64.65 which is 38.42% YOY growth.

The next chart shows the total amount of dividends received on a quarterly basis. This year, the first three quarter remains the same. I have sold a few stocks in the first few months of the year. Then I invested that money slowly. This quarter the income will go up because the invested stock paid dividends this quarter.

So far my current yield is 2.91% and my yield on cost (YOC) is 3.6%. The increase in YOC is due to the dividend increase of some of my stocks such as ABBV. However, the current yield dropped because of the bullish nature of the market.

My projected annual dividends in November 2019 is $1079. My first goal is to earn $100 monthly which is $1200 a year. I am moving towards my goal gradually every month as you can see from the chart below. I am investing 8% of my salary monthly and also reinvesting all the dividends that I am receiving.