Saturday, December 9, 2017

November 2017 Dividends

Hello everyone,

Nice to meet up with you all again, thanks for stopping by. With the conclusion of another month, it is time once again to tally up results for dividend income received. It is a routine that never gets old.

So let's get to it!


Taxable Accounts
CompanySymbolDateAmount
VerizonVZ11/1/2017$2.36
AT&TT11/2/17$33.02
CVS HealthCVS11/3/17$17.00
Abbott LaboratoriesABT11/16/17$9.28
AppleAAPL11/17/17$4.41
AmerigasAPU11/17/17$25.74
LazardLAZ11/20/17$6.97
William-SonomaWSM11/22/17$23.01
Taxable Accounts Total$121.79
Roth IRA Account
CompanySymbolDateAmount
Toronto Dominion BankTD11/1/17$10.61
Abbott LaboratoriesABT11/15/17$6.75
Omega Healthcare InvestorsOHI11/17/17$19.03
Roth IRA Account Total$36.39
Overall Dividend Income Total$158.18
Forward 12-month Projected Dividend Income Total
$1,813.61



November 2017 Transactions
BuysQtySellsQty
HBI (Hanesbrands)1NoneN/A
KR (Kroger)1
LAZ (Lazard)1

I  did manage to make a few small buys in November, but these were not from adding fresh capital. This was just from reinvesting dividends in my Robinhood account. My savings are going right into the wedding fund, as we are coming up on 7 months until the big day, and we have to start putting a substantial deposit for the venue. Even at such a small scale, it does feel good to keep adding to the portfolio.

Let's look at the dividend payment history


Month2014201520162017
January$14.38$14.42$70.45
February$49.07$50.38$112.01
March$50.22$52.16$182.28
April$10.83$27.91$64.56
May$46.52$59.42$132.14
June$6.69$47.51$90.97$198.86
July0$18.99$51.37$168.64
August$33.96$50.11$86.07$156.46
September$54.75$55.61$101.70$226.17
October$10.94$14.42$72.53$79.06
November$48.79$50.11$103.31$158.18
December$63.55$49.89$168.03

...and of course in graphical form:





Y/Y:

In a yearly sense, my dividend income has seen a nice increase. A year ago, it came to $103.31. The November 2017 total, as shown above, came to $158.18. This represents an increase of 53.1%! I think this is rather satisfactory.


Q/Q:

In comparison to the previous quarter, the increase was definitely more modest. The August 2017 dividend income was $156,46. This means that the increase over the last quarter was only 1.1%. This is actually expected to a degree, given my lower recent contributions and low count of dividend increases. Hopefully at some point in the near future, I'll be able to bump up contributions to my brokerage accounts.


In Conclusion

So another month has gone, and it is good to see the dividend income increase, although at a slower rate. Where possible I will try to contribute to my brokerage accounts, but still need to save for the upcoming wedding in the summer of 2018. We are making progress on that saving project, and feel we are on track, so I hope soon to be able to return to my normal contribution rate.

So, how was your November? Let me know in the comments below!





Wednesday, November 15, 2017

October 2017 Dividends

Hello everyone,

Thanks for stopping by once again. Another month has passed, and it is time to summarize the month gone by. I don't get as excited to review the first month of the quarter (ie, January, April, July, October), as these are usually my lowest paying months. However, it is income all the same, so they must be summarized. Let's get to it.


Taxable Accounts
CompanySymbolDateAmount
Cardinal HealthCAH10/15/2017$10.17
Cisco SystemsCSCO10/25/17$11.02
New ResidentialNRZ10/27/17$19.50
Taxable Accounts Total$40.69
Roth IRA Account
CompanySymbolDateAmount
iShares Large Cap S&P 500IVV10/2/17$14.40
iShares Small Cap S&P 500IJR10/2/17$3.21
Cardinal HealthCAH10/16/17$10.71
W.P. CareyWPC10/16/17$10.05
Roth IRA Account Total$38.37
Overall Dividend Income Total$79.06
Forward 12-month Projected Dividend Income Total
$1,810.87


October 2017 Transactions

There were no transactions for October, as I am continuing to save for the upcoming wedding in June of 2018. The money that is being saved is mostly going into my online savings account, instead of the brokerage accounts for the time being. 

Let's now take a look at the dividend payment history


Month2014201520162017
January$14.38$14.42$70.45
February$49.07$50.38$112.01
March$50.22$52.16$182.28
April$10.83$27.91$64.56
May$46.52$59.42$132.14
June$6.69$47.51$90.97$198.86
July0$18.99$51.37$168.64
August$33.96$50.11$86.07$156.46
September$54.75$55.61$101.70$226.17
October$10.94$14.42$72.53$79.06
November$48.79$50.11$103.31
December$63.55$49.89$168.03


...and in graphical form


Y/Y:
1st month in the quarter as usual gives me the lowest dividend income in the quarter, but income is income, so I won't complain too much. For October 2016, I pulled in $72.53 in dividend income, so that would make it a year over year increase of +9%., which is not exactly the worst. Yeah, I'll take it.


Q/Q:
Here's where it really gets interesting. One quarter ago for July 2017, I earned $168.64 in dividend income. One look at the October 2017 total of $79.06, would rightfully raise some eyebrows, as it represents a decrease from the last quarter of -53.1%.

But wait, let me explain!

The July income included the yearly dividend from the company stock where I work. That payment equaled $72.70.

In addition to that, the July income also included $20.52 from Prospect Capital (PSEC), a company which I have since sold off and reallocated into other companies, which do not pay out a dividend in the first month of the quarter.

Add to that $8.64 paid out by Walt Disney (DIS) which is only paid out every 6 months, not every quarter, and you have a total of $101.86 of the $168.64 which is not part of the quarterly cycle. That leaves $66.84 from July 2017, which is part of the quarterly cycle. That would have resulted in an increase to October 2017 of +18.3%. This is a lot more palatable.

But alas, the numbers are the numbers, regardless, so for the comparison to last quarter, I did see a real substantial decrease. I'll accept it, but I do still realize that I am making progress on those dividends which are on the quarterly cycle.

In conclusion
So I keep chugging along with dividend income for October 2017, which is still increasing on a year over year basis, although the rate of increase is slowing down, as my cash flow is mostly going into savings as opposed to non-401(k) investments to save for the big matrimonial milestone coming up. The important thing, though, is that it is still increasing, and I will take that moving forward.

Thanks for reading once again, and how was your October?

Let me know in the comments below!