Tag: finance

May 2016 – Dividend

Another month has passed and its time again for the dividends. A nice month.
I will be reinvesting all dividend’s, and hopefully this will lead to more growth in the portfolio.

Dividends without the tax:

4-mei Dividend (AHOLD KON) EUR 5,20
12-mei Dividend (NSI) EUR 14,00
12-mei Dividend (K+S AG NA O.N) EUR 28,75
12-mei Dividend (APPLE INC. – COMMON ST) USD 5,04
13-mei Dividend (ADIDAS AG NA O.N) EUR 8,00
13-mei Dividend (ONEOK INC. COMMON STO) USD 5,44
20-mei Dividend (Product: ACCELL GROUP) EUR 7,20

Total EUR 73,63

April 2016 – Dividend

I always like to watch the dividends come in. Someone famous said something along those lines. I need to lookup the exact quote.
Well it’s a lot of fun. This month has been a good month. Next few months will be a bit more slow dividend wise.

Anyway, these are the numbers. I will be posting about the April additions to the portfolio somewhere next weekend. Enjoy your weekend!

In Euro without the tax :

1/04/2016 Dividend (COCA-COLA COMPANY (THE) EUR 2,63
11/04/2016 Dividend (NEDAP) EUR 25,60
12/04/2016 Dividend (ICAHN ENTERPRISES L.P.) EUR 1,13
15/04/2016 Dividend (W.P. CAREY INC. REIT) EUR 7,32
19/04/2016 Dividend (WHOLE FOODS MARKET IN) EUR 1,02
25/04/2016 Dividend (Product: GENERAL ELECTRIC COMPA) EUR 1,73
27/04/2016 Dividend (Product: CISCO SYSTEMS INC. -) EUR 5,47
28/04/2016 Dividend (Product: MUENCH.RUECKVERS.VNA O.N) EUR 41,25
29/04/2016 Dividend (Product: DOW CHEMICAL COMPANY) EUR 3,93

Total 90,08

Edit 03/05/2016. Forgot the Dow Chemical dividend. Added it.

Portfolio news – March 2016 additions

March is done so it’s time for the portfolio additions for March , the February update and buying didn’t go according to plan when I got stuck in hospital.

So everything happened in March. I added Cisco to the portfolio, Cisco produces high quality network solutions and helps companies implement them, it was on the list to buy for some time.
It has risen in the last couple of months which made it a bit expensive. But I bought it just before the dividend date and so I will receive the first upcoming dividend payment.

The company has a dividend of around 3,5% with current prices. Which is good it also has been paying dividends since 2011, has a P/E ratio of 14 which is good. I think the company will continue to grow and be a major player in the network solutions market. They also have more cash than debt which is also good.

I will be adding to the position in the future.

Portfolio news – January 2016 additions

A new month and new additions to the portfolio. The markets have taken a dive in recent months so there should be some bargains out there.
The main concern is the oil price , which is getting lower and everyone is lowering the price target for this year.
The world has a surplus now but once the dust settles prices will recover and Shell will be well positioned.

The decline in the international markets will continue for some time I think, for the long term portfolio this is not bad at all, it leaves room for buying some nice dividend stocks.
For the additions this month I looked towards Germany and in the Netherlands. Starting off here, I bought one share of Unibail Rodamco. It’s a real estate company which owns a lot of real commercial real estate, mainly shopping. Shopping is dying , everybody seems to think these days. I am old school and I like a physical shop, you see the products try them and get service.

I see a lot of people shopping for speciality items, food, cloths etc. It’s about the experience, the run of the mill discounter will not cut it but the quality shops certainly will.
And in this department they have a nice segment of high end commercial property. The dividend has just been raised which is good and sits around 4%. The Q4 results were solid and I think they will continue to be.
In Germany I added 1 new company’s to the portfolio. It’s the insurer Munich Re , a very solid company with an ever growing dividend. It might be a bit expensive but even at the current price it will give out a 4,7% dividend. Which is very good, and it’s increasing.

January 2016 – Dividend

I am going to record the dividends per month from now on. It makes it easier for me and gives a nice overview of the monthly payments.

January 2016 is done again and the dividends for this month are :

In Euro without the tax :

26-01-2016 WHOLE FOODS MARKET IN) EUR 1,22
25-01-2016 GENERAL ELECTRIC COMPANY EUR 2,00
15-01-2016 W.P. CAREY INC. REIT EUR 8,69

Total 11.91

Dividend in 2015

Well 2015 has generated the dividend revenue you can see in the table below. It has been the first year where I am trying to build a portfolio around dividend income. It’s has been a learning experience and for this year I have to look harder at the price I am willing to pay for a certain stock, making it yield a bigger dividend percentage wise.

The market has been down a lot in the first few weeks and this move down is a nice start to being able to buy at a lower level.

I really like the research that goes into selecting the stocks. The main goal is to be better at this.

The dividends without tax, in Euro are :

30-12-2015 VANGUARD DIV APPRECIATION EUR 0,95
24-12-2015 ICAHN ENTERPRISES EUR 1,50
18-12-2015 ROYAL DUTCH SHELL EUR 42,99
15-12-2015 COCA-COLA COMPANY EUR 3,30
10-12-2015 EMERSON ELECTRIC EUR 4,75
10-12-2015 MICROSOFT EUR 3,60
09-12-2015 UNILEVER EUR 3,02
12-11-2015 APPLE INC. EUR 4,42
30-10-2015 DOW CHEMICAL COMPANY EUR 3,57
26-10-2015 GENERAL ELECTRIC EUR 1,95
15-10-2015 W.P. CAREY INC. REIT EUR 8,12
1-10-2015 COCA-COLA COMPANY EUR 2,80
29-9-2015 VANGUARD DIV APPRECIATION EUR 0,76
28-9-2015 ICAHN ENTERPRISES L.P. EUR 0,91
21-9-2015 ROYAL DUTCH SHELL EUR 42,27
10-9-2015 MICROSOFT EUR 2,63
9-9-2015 UNILEVER EUR 1,51
13-8-2015 APPLE INC. EUR 4,42
30-7-2015 DOW CHEMICAL COMPANY EUR 3,57
27-7-2015 GENERAL ELECTRIC EUR 1,95
2-7-2015 VANGUARD DIV APPRECIATION EUR 0,75
30-6-2015 ICAHN ENTERPRISES L.P. EUR 0,91
22-6-2015 ROYAL DUTCH SHELL EUR 41,95
14-5-2015 APPLE INC. EUR 4,42
27-3-2015 VANGUARD DIV APPRECIATION EUR 0,67
20-3-2015 ROYAL DUTCH SHELL EUR 8,66
12-2-2015 APPLE INC. EUR 1,32

Total EUR 197,56

Strange China markets and debt

It has been a strange beginning of the new year in the financial markets. China crashed a bit, and then the trading was suspended. And it happened again. Then as quick as the rule was implemented. It was withdrawn again.

The worries about the Chinese economy, and with that the rest of the world maybe justified. I don’t know. What I do know is a lot of the trading in China is more gambling than anything else. A lot of people borrow money to speculate rather then invest. And if the market doesn’t go your way the need to sell fast is much higher with borrowed money. So it may not even be a problem of the ‘real’ economy but more a problem of gambling with borrowed money. But it could mean a debt problem in the near future. Which will slow the ‘real’ economy.

Debt in all forms is bad, in my opinion. If you can’t afford something, simply don’t buy it. The only exception being to buy a house. And even then it’s very much advisable not to overspend on a house.

A lot of people are always talking about the beauty of compounding interest. Well buy simply paying off all your debt , you will save a lot of money on interest payments which you can then save or allocate to other useful goals. It creates space in your monthly budget. If you have debt and are thinking about investing in any shape way or form. Just keep it simple and start by paying off your debt. It might sound boring but it works like nothing else.

Portfolio news – December additions

So it’s December again, end of the year and the last stocks I bought this year. Rocky markets all round with declining commodities , nervous currencies and bond issues. Hopefully I have managed to select a few nice stocks. I am also researching alternative energy company’s away from the oil, gas sector. Which has not been easy, most don’t pay dividends yet and are heavily indebted. So this is something to work on more in the next few months. I also want to invest more in technology and engineering. Any helpful insight will be much appreciated.

Ok back on topic, what did I add to the Portfolio. New to the portfolio are Accell, Whole foods and Disney.

An interesting addition is Accell which is a Dutch bicycle manufacturer, a steady growing business , especially the e-bikes, which allow older people to still enjoy long distance bike tours. More importantly there may be a nice future for longer distance commuting using the battery packs and the electric power to ease the bike ride. So you don’t need to take a shower upon arrival at the office. If everyone does this the Paris eco agreement goals are easily obtainable.

I personally like bikes very much, I don’t own a e bike since I have sufficient condition to take longer rides and since being fit is the new wealth I can only see this business grow. The products are of great quality and the sale numbers are solid. They also pay out a bit of dividend, not a lot percentage wise , but I think the dividend will grow along with the business.

Disney is something I had set my eyes on for some time. It’s maybe a bit expensive , but it has come down somewhat from the 120 dollar per share earlier this year. Having seen the new Star Wars film I am sure they will generate a lot of business from this franchise. They also have been paying dividend for a long time. I think this will be around the 120 again soon. And hopefully they will rise the dividend payment.

Last addition this month is whole foods. They say they are the healthiest supermarket in the US, well a lot healthier than others I have visited and they are building more supermarkets in area’s where fresh vegetables and fruits, and all other healthier foods are not available. And have programs for sustainable fishing growing etc. This is a very good thing, so this purchase has been done more from the fact I like their view of things than anything else. They do pay out dividend and I think they will raise this in 2016. It’s a bit expensive now but as with everything, it’s all for the long term. Hopefully lot’s of people will see the benefits of healthy food.

Portfolio news – November additions

So it’s November again and this month has seen the following additions to my portfolio. Adidas is the first one, just 5 shares as it is a bit expensive at the moment. One of the reasons I bought the stock is I really like the shoes. I have some and always wear them. Apart from that there is the dividend, which is a bit low in percentage, current stock price is 88,15 and the with 2,38 dividend. Which is 2,67 % , decent enough. Another plus is the company has no more cash than outstanding debt. I am going to add to this position over time.

Another stock I added is ONEOK. A gas company, which has been hammered this year,it has been paying out dividends for a very long time, it’s around 8%. Which is high. Too high most people say. But I am confident the energy market will rebound and natural gas is still a very important energy source. So I think of the current price as buying with a discount. I added 10 shares to the portfolio.