Well Rounded Investor

My journey of becoming financial independence by 35 years old

Well Rounded Investor Portfolio Update + $18,671.83

Summary

  • A successful DGI portfolio can be created using very simple criteria. And using the dividend champion list.
  • Just a couple of hours every quarter is all that is necessary to manage a well-designed DGI portfolio.
  • My Well Rounded Investor portfolio continues to provide acceptable (to me) dividend growth and total return using the K.I.S.S method (keep it simple stupid) occasionally I have a break out and invest in the Dogs of the Dow, or Catching the Falling Knife, Dividend’s life method, any of these method can give me SWAN (sleep well at night 🙂
  • Every now and then it is OK to break the letter from the KISS (but not the spirit) of your investing rules.

A successful investor it is essential to develop a system that suits your temperament, and to stick to that system. If you are someone who’s more comfortable if you have to talk to a financial adviser, feel free to do so. Sometimes opportunities come up when you may want to violate your rules somewhat. I made several purchases this year that did not strictly follow my guidelines. However, as I will discuss later, they still met the spirit of my system, so I do not feel I strayed too far, and I am comfortable with what I did.

It was a cool quarter having to see the market yoyoing. Some day it gained triple digits and quickly dissipated. I focus on my dividends going up, not my portfolio value. And my dividends continue to go up. I continue to have excellent dividend growth and I am still on track to meet my income goals. Therefore, I have no problem staying the course, and I continue to sleep well at night. DGI allows me to stay calm and relaxed, even if my portfolio has some rough patches, as long as my dividends keep increasing at a rate I am happy with. And if they do, I know that eventually the capital gains will follow along, and in the end, I still believe that my total return will match, if not beat, the market.

How is my recent quarter look?

  • Aug $180.72 + 9.6%
  • Sep $618.66 + 7.1%
  • Oct $125.23 +45.93%

Quarterly dividend: $924.91. This is $74.09 shy from hitting $1000. It hasn’t reflected all the buys that I’ve made during the down turn and the recent buys. My 12-month forwarding dividend excluding the stocks that will increase dividend more than once a year.

Here are the stocks that increased dividend during this period that I currently own:

KMI (2.08%)*

O (0.26%)*

RY (2.60%)*

WPC (.10%)*

EMR

*asteric means the company increase more than once a year

My last update can be found here.

3M CO MMM 9/1/2015 5 $139.66 $158.38 $698.30 $791.90 $20.49 $4.10 2.94% $20.50
ALIBABA GRP HOLDING ADR BABA 09/22/2014w 100 $90.51 $85.96 $7,179.00 $8,595.50 $33.25 $0.00 N/A N/A
AT & T INC T 3/6/2015 30 $33.48 $33.01 $1,004.40 $990.23 $35.88 $1.88 5.62% $56.40
BANK MONTREAL QUEBEC BMO
Detail
22 $61.56 $57.92 $1,354.30 $1,274.24 $12.16 $2.49
Detail
$55.73
1/7/2015 12 $67.40 $57.92 $808.80 $695.04 $12.16 $2.49 3.76% $30.40
8/19/2015 10 $54.55 $57.92 $545.50 $579.20 $12.16 $2.49 4.64% $25.33
BANK OF AMERICA CORP BAC
Detailw
5,688.00 $16.95 $17.97 $93,108.70 $102,216.77 $13.41 $0.20
Detail
$1,137.60
09/19/2014w 2,300.00 $17.00 $17.97 $35,788.00 $41,332.38 $13.41 $0.20 1.29% $460.00
9/22/2014 1,500.00 $17.08 $17.97 $25,614.30 $26,955.90 $13.41 $0.20 1.17% $300.00
11/5/2014 583 $17.33 $17.97 $10,103.39 $10,476.86 $13.41 $0.20 1.15% $116.60
12/8/2014 573 $17.61 $17.97 $10,092.99 $10,297.15 $13.41 $0.20 1.14% $114.60
1/6/2015 80 $17.12 $17.97 $1,369.59 $1,437.65 $13.41 $0.20 1.17% $16.00
1/9/2015 90 $17.08 $17.97 $1,537.19 $1,617.35 $13.41 $0.20 1.17% $18.00
1/14/2015 15 $16.11 $17.97 $241.65 $269.56 $13.41 $0.20 1.24% $3.00
3/25/2015 86 $15.56 $17.97 $1,338.16 $1,545.47 $13.41 $0.20 1.29% $17.20
3/25/2015 50 $15.55 $17.97 $777.50 $898.53 $13.41 $0.20 1.29% $10.00
4/15/2015 200 $15.63 $17.97 $3,127.00 $3,594.12 $13.41 $0.20 1.28% $40.00
10/2/2015 111 $14.68 $17.97 $1,628.93 $1,994.74 $13.41 $0.20 1.36% $22.20
10/2/2015 100 $14.90 $17.97 $1,490.00 $1,797.06 $13.41 $0.20 1.34% $20.00
BAXALTA INC BXLT 5/13/2015 10 $30.54 $34.37 $305.35 $343.70 $21.04 $0.28 0.92% $2.80
BAXTER INTERNATIONAL INC BAX 5/13/2015 10 $37.63 $37.41 $376.25 $374.10 $11.99 $0.46 1.22% $4.60
BK NOVA SCOTIA HALIFAX BNS 8/19/2015 10 $45.60 $46.38 $456.00 $463.80 $11.54 $2.13 4.74% $21.63
BLACKSTONE MORTGAGE BXMT 6/24/2015 20 $28.95 $27.83 $579.00 $556.60 $13.58 $2.48 8.57% $49.60
CAPITAL ONE FINANCIAL COF
Detail
30 $78.04 $80.99 $2,341.30 $2,429.55 $11.23 $1.60
Detail
$48.00
4/27/2015 10 $81.05 $80.99 $810.50 $809.85 $11.23 $1.60 1.97% $16.00
8/21/2015 10 $78.27 $80.99 $782.70 $809.85 $11.23 $1.60 2.04% $16.00
9/4/2015 10 $74.81 $80.99 $748.10 $809.85 $11.23 $1.60 2.14% $16.00
CATERPILLAR INC CAT
Detail
35 $74.27 $72.89 $2,599.52 $2,551.15 $15.12 $3.08
Detail
$107.80
3/6/2015 10 $80.66 $72.89 $806.57 $728.90 $15.12 $3.08 3.82% $30.80
9/3/2015 10 $74.13 $72.89 $741.30 $728.90 $15.12 $3.08 4.16% $30.80
9/18/2015 10 $72.46 $72.89 $724.60 $728.90 $15.12 $3.08 4.25% $30.80
9/24/2015 5 $65.41 $72.89 $327.05 $364.45 $15.12 $3.08 4.71% $15.40
CHEMOURS CO CC 6/24/2015 2 $16.86 $7.39 $33.73 $14.77 $6.33 $0.12 0.71% $0.24
CITIGROUP INC NEW C 3/4/2015 100 $53.56 $55.94 $5,356.49 $5,594.00 $12.63 $0.20 0.37% $20.00
CUMMINS INC CMI 10/30/2015 10 $103.64 $105.71 $1,036.39 $1,057.10 $11.32 $3.90 3.76% $39.00
DARDEN RESTAURANTS DRI 6/24/2015 10 $71.10 $61.47 $711.00 $614.70 $26.73 $2.20 3.09% $22.00
DEERE & CO DE 3/6/2015 10 $90.02 $76.48 $900.20 $764.80 $11.26 $2.40 2.67% $24.00
DIAGEO PLC DEO 2/13/2015 15 $113.72 $113.64 $1,705.80 $1,704.60 $19.13 $3.41 3.00% $51.21
DOMINION RES INC VA NEW D 10/29/2015 100 $70.78 $67.93 $7,078.50 $6,793.00 $22.42 $2.59 3.66% $259.00
DOVER CORP COMMON DOV 9/1/2015 10 $59.76 $63.89 $597.60 $638.90 $11.49 $1.68 2.81% $16.80
DU PONT E.I. DE NEMOURS DD 6/24/2015 10 $62.98 $65.90 $629.76 $659.00 $20.85 $1.52 2.41% $15.20
EBAY INC EBAY 7/8/2015 20 $23.96 $29.28 $479.11 $585.60 $16.45 $0.00 N/A N/A
EMERSON ELECTRIC CO EMR 8/21/2015 10 $48.53 $48.67 $485.30 $486.70 $12.20 $1.90 3.92% $19.00
FORD MOTOR COMPANY F
Detail
73 $14.84 $14.46 $1,083.55 $1,055.21 $12.15 $0.60
Detail
$43.80
4/30/2015 3 $15.85 $14.46 $47.55 $43.37 $12.15 $0.60 3.79% $1.80
6/3/2015 50 $15.20 $14.46 $760.00 $722.75 $12.15 $0.60 3.95% $30.00
9/1/2015 20 $13.80 $14.46 $276.00 $289.10 $12.15 $0.60 4.35% $12.00
GOLDMAN SACHS GROUP INC GS
Detail
10 $180.88 $198.44 $1,808.80 $1,984.38 $13.05 $2.60
Detail
$26.00
9/1/2015 5 $182.35 $198.44 $911.75 $992.19 $13.05 $2.60 1.43% $13.00
9/4/2015 5 $179.41 $198.44 $897.05 $992.19 $13.05 $2.60 1.45% $13.00
HCP INC HCP 11/5/2015 10 $35.28 $34.22 $352.80 $342.20 $65.81 $2.26 6.41% $22.60
INTERNATIONAL BUSINESS IBM 9/1/2015 5 $143.00 $138.31 $715.00 $691.55 $9.56 $5.20 3.64% $26.00
JPMORGAN CHASE & CO JPM
Detail
20 $62.30 $68.48 $1,246.10 $1,369.50 $11.69 $1.76
Detail
$35.20
4/27/2015 10 $62.96 $68.48 $629.60 $684.75 $11.69 $1.76 2.80% $17.60
9/1/2015 10 $61.65 $68.48 $616.50 $684.75 $11.69 $1.76 2.86% $17.60
KINDER MORGAN INC DEL KMI
Detail
50 $31.36 $25.52 $1,568.00 $1,275.75 $48.14 $2.04
Detail
$102.00
5/29/2015 10 $41.54 $25.52 $415.40 $255.15 $48.14 $2.04 4.91% $20.40
8/11/2015 10 $32.33 $25.52 $323.30 $255.15 $48.14 $2.04 6.31% $20.40
9/28/2015 10 $28.77 $25.52 $287.70 $255.15 $48.14 $2.04 7.09% $20.40
10/27/2015 10 $27.37 $25.52 $273.70 $255.15 $48.14 $2.04 7.45% $20.40
10/30/2015 10 $26.79 $25.52 $267.90 $255.15 $48.14 $2.04 7.62% $20.40
LUMBER LIQUIDATORS HLDGS LL 4/29/2015 43 $27.03 $16.99 $1,162.29 $730.57 N/A $0.00 N/A N/A
NORFOLK SOUTHERN CORP NSC
Detail
14 $82.43 $79.65 $1,154.08 $1,115.10 $14.38 $2.36
Detail
$33.04
6/24/2015 4 $90.07 $79.65 $360.28 $318.60 $14.38 $2.36 2.62% $9.44
8/21/2015 10 $79.38 $79.65 $793.80 $796.50 $14.38 $2.36 2.97% $23.60
ONEOK INC NEW OKE 10/30/2015 10 $33.11 $31.02 $331.10 $310.20 $20.82 $2.46 7.43% $24.60
PAYPAL HOLDINGS INC PYPL 7/8/2015 20 $37.05 $36.16 $740.89 $723.20 $38.48 $0.00 N/A N/A
POTASH CORP OF POT 10/30/2015 10 $20.05 $20.39 $200.50 $203.90 $11.52 $1.52 7.58% $15.20
PRINCIPAL FINANCIAL PFG 4/27/2015 10 $52.01 $51.60 $520.05 $516.00 $12.52 $1.52 2.92% $15.20
PROCTER & GAMBLE CO PG
Detail
20 $73.47 $74.90 $1,469.50 $1,497.90 $28.16 $2.65
Detail
$53.04
5/29/2015 10 $78.35 $74.90 $783.50 $748.95 $28.16 $2.65 3.39% $26.52
9/4/2015 10 $68.60 $74.90 $686.00 $748.95 $28.16 $2.65 3.87% $26.52
REALTY INCOME CORP O 3/6/2015 50 $48.83 $47.81 $2,441.50 $2,390.50 $43.51 $2.29 4.68% $114.30
ROYAL BANK CANADA RY 8/19/2015 10 $57.12 $57.69 $571.20 $576.90 $11.69 $2.40 4.27% $24.41
STARWOOD PROPERTY TR INC STWD 6/24/2015 20 $22.64 $20.63 $452.80 $412.60 $9.69 $1.92 8.48% $38.40
T ROWE PRICE GROUP INC TROW 9/1/2015 10 $69.55 $76.58 $695.50 $765.80 $16.61 $2.08 2.99% $20.80
TORONTO DOMINION BK TD 8/21/2015 10 $38.65 $41.07 $386.50 $410.70 $13.04 $1.55 4.08% $15.76
TWENTY-FIRST CENTY FOXA
Detail
20 $32.37 $29.83 $647.30 $596.60 $8.00 $0.30
Detail
$6.00
4/27/2015 10 $34.81 $29.83 $348.10 $298.30 $8.00 $0.30 0.86% $3.00
8/19/2015 10 $29.92 $29.83 $299.20 $298.30 $8.00 $0.30 1.00% $3.00
UNION PACIFIC CORP UNP
Detail
20 $93.35 $86.25 $1,867.00 $1,725.00 $14.90 $2.20
Detail
$44.00
6/24/2015 10 $98.26 $86.25 $982.60 $862.50 $14.90 $2.20 2.24% $22.00
8/21/2015 10 $88.44 $86.25 $884.40 $862.50 $14.90 $2.20 2.49% $22.00
VERIZON COMMUNICATIONS VZ 9/29/2014 200 $49.50 $45.53 $9,899.22 $9,105.00 $18.14 $2.26 4.57% $452.00
W P CAREY INC WPC 6/24/2015 10 $61.34 $63.14 $613.40 $631.40 $44.15 $3.82 6.23% $38.20
WAL-MART STORES INC WMT
Detail
150 $69.91 $58.54 $10,487.00 $8,780.25 $12.22 $1.96
Detail
$294.00
3/6/2015 20 $82.63 $58.54 $1,652.60 $1,170.70 $12.22 $1.96 2.37% $39.20
5/20/2015 20 $76.42 $58.54 $1,528.40 $1,170.70 $12.22 $1.96 2.57% $39.20
6/4/2015 20 $74.15 $58.54 $1,483.00 $1,170.70 $12.22 $1.96 2.64% $39.20
8/18/2015 40 $69.55 $58.54 $2,782.00 $2,341.40 $12.22 $1.96 2.82% $78.40
9/1/2015 10 $64.08 $58.54 $640.80 $585.35 $12.22 $1.96 3.06% $19.60
10/14/2015 20 $61.24 $58.54 $1,224.80 $1,170.70 $12.22 $1.96 3.20% $39.20
10/15/2015 20 $58.77 $58.54 $1,175.40 $1,170.70 $12.22 $1.96 3.34% $39.20
WELLS FARGO COMPANY WFC
Detail
530 $51.22 $55.78 $27,148.20 $29,562.02 $13.47 $1.50
Detail
$795.00
7/11/2014 500 $51.12 $55.78 $25,560.00 $27,888.70 $13.47 $1.50 2.93% $750.00
1/9/2015 30 $52.94 $55.78 $1,588.20 $1,673.32 $13.47 $1.50 2.83% $45.00
Total Stocks $196,578.28 $206,272.94 $4,210.65

balance

Results and Portfolio Review

My portfolio’s value has increased  from $192621.80 to $211,292.3 ($206,272.94 in stock + $5019.36 cash)

The total gain with cash is $18671.30

when you consider that during this time an additional $15593.59 of new cash was added to the account. +$3077.71 was the gain from the investment during this period.

Total account $211,292.3

Total cash investment: $196578.28

total account gain: $14714.02

total ytd dividend gain: $2525.94

total return: $17239.96, in percentage gain +8.16%

As compared to the + return of my portfolio, the return of each of my benchmarks for this quarter is as follows:

S&P 500: +3.76% (I used fidelity S&P 500, which is similar to the real S&P 500)

My portfolio: +8.16% 

It’s been a tough quarter, for the whole market, and for my portfolio as well. However it continues to perform well on a dividends produced basis, and on a dividend growth basis. I set my goal this year to achieve $3000 in dividend. But going forward my portfolio is now expected to produce $4,210.65 in dividends over the next 12 months, an increase of 27%.  And for the first time, I will be collecting over $1,000 in dividends in quarter by year end. It should be mentioned that this is due to a combination of both organic dividend growth of my individual holdings, and the dividends produced from new money added to the portfolio over the past year and quarter. My present dividend yield is 2.041%. This is higher than it has ever been, but not by any kind of conscious effort on my part. I have not purposefully tried to buy higher yielding stocks during the first half of the year, as I was focusing on buying financial sector. It is the drop in price of many of my stocks, and of my portfolio as a whole, combined with the continuing dividend growth, that has brought my yield up so high.

So my plan going forward is to continue to focus on the dividends and to follow several safe rules. They have been working very well so far. I believe my results continue to support my hypothesis: that by using simple, straightforward, easy-to-understand criteria for buying and selling, and by using the hard work of other people

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6 comments on “Well Rounded Investor Portfolio Update + $18,671.83

  1. Tawcan
    November 9, 2015

    Very solid growth in your portfolio value lately, Congrats. Looks like you hold lots of solid stocks, keep purchasing and assimilating shares. 🙂

    Like

    • Vivianne
      November 12, 2015

      Thank you! Couldn’t make it without you and other PF bloggers. Looking forward to have the same level of success as your portfolio.

      Like

  2. B
    November 12, 2015

    Hi Vivianne

    Oh my my, +$18K during one month is not a small joke. How did you manage to get those huge cash amount to inject for one month? I envy, urghh 🙂

    Congrats on beating the $200K point and my oh my you are flying over here like an eagle.

    Like

    • Vivianne
      November 12, 2015

      B,
      when you wrote your portfolio projection, you were in your early 20s. I’m way behind the curve here. You are truly inspirational. Thank you for paving the way.

      Like

  3. Dividend Freedom
    November 12, 2015

    Impressive portfolio Vivianne! It must feel great crossing the 200k Mark. I can’t wait to get there myself 😀

    Regards
    Dividend Freedom

    Like

    • Vivianne
      November 12, 2015

      Man, I recently found your blog, and I’ll keep coming back. Our portfolios are in growing stage so, I’ll keep coming back to your blog to find inspiration.

      Thanks for stopping by and commenting.

      Like

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