Tag: income

September 2017 – Dividend

Another month passed by, a new monthly dividend overview is in order. This month is slightly better than the same month last year. Ugly sentence I know but you get my drift. The exhange rate still is a disadvantage for me at the moment. But we’re still up by 2,3%.

Overall dividends are up 18% compared too last year, for me that’s a pretty significant change. It’s a bit uncertain if and how the share prices of dividend stocks will be impacted due too rising interest rates. For now this is not in the cards yet. Just slight rate increases are due later this year and next year.

The portfolio tactic will not change however, more about that subject in another future blog post. For now the numbers.

25/09/2017 Vanguard Dividend Appreciation ETF EUR 1,10
18/09/2017 Royal Dutch Shell A EUR 39,49
15/09/2017 Icahn Enterprises LP EUR 1,28
14/09/2017 Microsoft Corp USD EUR 6,67
11/09/2017 Emerson Electric EUR 4,10
06/09/2017 Unilever Certificate EUR 3,59

Total EUR 56,23

Portfolio news – July and August 2017 changes

An new portfolio update, this time it’s 2 months in one, why ? Well as you might know I buy dividend paying stocks and ETF’s. The first category because I like to research company’s and it keeps me busy. Nowadays it’s a sort a replacement for work as I can easily do it at my own pace and no deadlines. It also ‘trains’ my reading, analytical skills and maths , hopefully.

The ETF’s are the best option science wise, as research shows it’s important to have low costs, a large diversification and long term strategy. This is all combined in these nice ETF’s. In order to get my portfolio into the desired 50/50 divide between my own hand picked stocks and the ETF’s I have just been buying ETF’s these last 2 months. It’s not there yet but I am getting there. Hence the lack of updates in July.

It’s a bit of an experiment , learning if I can do better than the ETF’s. Which according to science is near impossible. But a man needs a hobby right ? Until next time. Happy investing!

June 2017 – Dividend

June is over again which means dividend time. This month has been another good month , in comparison with last year the dividend is up 112%. Seems like a high number but it’s mainly new positions which pay out dividends for the first time. It’s the building of the portfolio which makes this rather large percentage appear.

The first goal of this portfolio is to pay for my fixed monthly costs. Think mortgage , utility bills etc. We are nowhere near this goal but it’s progressing nicely. Every Euro automated income is welcome.

So I am pretty happy with the progress and it’s fun working on this goal. Now the numbers. Excluding the dividend tax which I pay but deduct from my taxes at the end of each year.

27/06/2017 VANGUARD DIVIDEND APPRECIATION ETF EUR 1,37
26/06/2017 RDSA Dividend Coupon EUR 41,94
20/06/2017 HAL Trust EUR 71,00
14/06/2017 Icahn Enterprises L.P. EUR 1,35
09/06/2017 Emerson Electric Company EUR 4,32
09/06/2017 Emerson Electric Company EUR 0,65
08/06/2017 Microsoft Corporation EUR 7,03
07/06/2017 Unilever Certificate EUR 3,59
02/06/2017 Porsche Automobil Holding SE EUR 10,10

Totaal EUR 141,35

Portfolio news – May 2017 changes

Well this post is a bit overdue, but not too late. In May I added one new position to my portfolio and used the remainder of the cash to buy ETF’s , specifically the Vanguard FTSE all world ETF.

The new addition is a Dutch investment company called HAL investments, It’s the investment vehicle of one of the most famous Rotterdam shipping family’s, Van der Vorm. They used to own the Holland America shipping line , hence the name HAL. It’s not my usual investment but for me it’s an interesting one. It’s not as much about the company’s they own which are available on the stock exchange. It’s the ones that are not.

For small time investors like myself it’s hard getting in on good company’s that are not listed on one of the exchanges. This is were HAL becomes interesting. They own parts of Coolblue, infomedics and others.

The family holds most of the shares which is a nice vote of confidence. They pay a healthy dividend which contributes nicely to my goal of living off the dividends that come in every year.

the downside is they are a bit heavily invested in the exploration for oil & gas, which has not been that great of a sector the past few years. Still they manage to make a nice profit anyway.

It’s been going strong since 1989 and I believe they will do a good job investing in company’s for years to come. Hopefully they will make more investments in company’s without a listing.

May 2017 – Dividend

It’s the end of May again, Another round of dividends, comparing the amount with last year it’s around 180% more, due to new additions to the portfolio such as Munich Re. Still it’s a nice increase and one for the future. The goal is expanding the dividend income and this month is a nice example.

For the most part it’s recurring dividends however, it’s just that Munich Re is a big chunk in this picture.

The numbers:

18-05-2017 Apple Inc EUR 5,68
18-05-2017 Accell Group EUR 7,20
15-05-2017 K+S EUR 12,00
15-05-2017 NSI EUR 14,00
15-05-2017 ONEOK Inc USD 5,54
12-05-2017 ASML Holding EUR 4,80
11-05-2017 Amsterdam Com EUR 22,50
04-05-2017 Bayer EUR 13,50
02-05-2017 Muenchener Re EUR 129,00

Total 214,22

Portfolio news – October 2016 changes

New name for the monthly posts , changes instead of additions. Why, well I sold one position in my portfolio. My favourite sneaker manufacturer Adidas. I bought it back in November 2015 and sold it last week. The question is why of course as I am very long term. First the appreciation is very substantial in this period. I can’t really add any more to the position without tipping the balance in the portfolio and as a result also the dividend percentage dropped significantly. For me the valuation just got a bit too high and the payout of selling was very attractive.

I will still follow the company and I am sure to buy it again at lower levels. As for the addition this month it has been BMW the German car manufacturer that will along with the rest of the established auto motive branch , according to all the experts lose from Tesla. But until that happens is a very good investment. It has had some downturn last year and at the beginning of this year and is now slowly getting out of that hole. It’s around 80 Euro at the moment which is not cheap but simply good value. Debt position is average and should increase.

Dividend is 3,20 Euro per share which is around 4%, fair result. Another reason is I am spotting a lot of people looking at BMW as their new car. Maybe not the usual market indicator but one famous fund manager always said, look around and buy what you see people buy and company’s you understand. Along those lines anyway. So it’s all about the Germans this month.

August 2016 – Dividend

Dividends again, always a good thing. As always the markets are moody as ever and nobody knows how long this ridiculous policy of low interest and buying huge amounts of bonds will go on. It has led to inflated markets and in the Netherlands , the old crazy pre credit crisis housing madness is back once again. This time with even lower rates. More debt at lower cost is still debt.

People don’t seem to mind and are paying large amounts of money for housing again. But more on that later, back to the dividends. It has been a slow month and I am looking for good ways to even out the monthly income from my portfolio. I am looking into various ways to do this. Maybe incorporate a bit more option strategies during the month. I now sell some for extra revenue. Which works great , so I am looking into ways to extend this.

Well, without further delays and small talk the August dividend result.

9-8-2016 Dividend (NSI) EUR 13,00
4-8-2016 Dividend (AMSTERDAM COMMOD.) EUR 5,60
15-8-2016 Dividend (Product: ONEOK INC. COMMON STO) EUR 5,23
11-8-2016 Dividend (Product: APPLE INC. – COMMON ST) EUR 4,85
16-8-2016 Dividend (Product: ONEOK INC. COMMON STO) EUR 4,63
12-8-2016 Dividend (Product: APPLE INC. – COMMON ST) EUR 4,34

Total EUR 37,65

Portfolio news – April 2016 additions

Another month and a few new additions to the Portfolio. First is NSI , which is a real estate company. They have offices and shopping malls they rent out, a tricky business at the moment. They offer full service solutions and advise as well. Which I think is the way forward, not just rent it out and see if the renter makes it but help their business as well.

So that makes this purchase one with a bit more risk. It’s relatively cheap and pay’s nice dividend, just under 4% of current share price. The debt is reasonable and should not be a problem in the coming years. The have an occupancy rate of around 77% which is not bad.

Next additions are too existing positions, Coca Cola and Munich Re. Coca Cola got a bit beaten up on the day when the results came out. So I bought some. Making the position up too par within the portfolio.

Munich Re has been available with a bit of a discount , and needed to be more in line with the rest of the portfolio. It’s a very stable company with a impressive history and solid dividend payments.

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