July 2019 Dividend

A new month, a new dividend round. And another nice monthly revenue, which in most part because of the ever growing portfolio , not so much extreme dividend increases. Around 167% more. Seems steep but mostly because of the growing number of shares and ETF’s which pay out. Compounding interest at it’s finest. The 8th world wonder some say. Exactly as it was intended. A nice bit of passive income.

We live in strange times, as always maybe. But it’s rather strange indeed, geopolitics, environment and economical. The switch towards a more sustainable way of living which is upon us. Which has not yet been seen in any of the current driving numbers. It’s time we look at things in a different perspective. Calculate our production and profits not just in money and growth. Take into account things like health, impact on the environment and our surroundings, happiness and more of these kind of parameters. These should all be taken into account when calculation the gross national production of countries or the results of any company.

Unfortunately we are not there yet, until we are it’s all about the benjamins. Speaking of which , here are the July dividend numbers :

DateStockCurrencyAmount
25-07-2019Walt Disney CompanyEUR0,68
24-07-2019Cisco SystemsEUR8,83
16-07-2019W.P. Carey IncEUR9,32
11-07-2019Vanguard FTSE all world UCITS ETFEUR114,27
05-07-2019Unibail - WFDEUR16,41
02-07-2019Porsche automobil holdingEUR22,10
02-07-2019Nike IncEUR1,98
01-07-2019Coca ColaEUR5,41



TotalEUR173,59

June 2019 Dividend

Dividend update June 2019, the eight miracle of the world, compounding is taking a hold on my dividends. Another significant increase in dividend payouts for my retirement. Whenever that will be. Anyway, most comes from the usual suspects. Some from newer positions but mostly existing ones. Comparing with last year it’s another nice increase of about 36%. Which is very nice indeed.

It only becomes real when you start accumulating real assets. In theory it’s all very clear. But you have to have a bit of faith in the long term plan. Which can be pshycologically challenging , and at times it is. But when you look at the growth and the numbers , it all makes sense. So just start and keep at it, remember showing up consistently is all it takes when talking about achieving your goals. In this case showing simply means keep investing.

So without further delay the overview :

DateStockCurrencyAmount
21-06-2019

AegonEUR15,00
20-06-2019Icahn EnterprisesEUR1,77
20-06-2019Vanguard dividend appreciationEUR1,26
18-06-2019HAL Trust EUR53,14
14-06-2018DOW incEUR1,86
13-06-2019Deutsche PfandbriefbankEUR100,00
13-06-2019MicrosoftEUR8,14
05-06-2019UnileverEUR8,21
TotalEUR136,24

Personal finance, it’s very personal.

I read a lot on personal finance, just too learn from people and their approach. It’s not just the financial independence part I’m interested in. Mostly I am more interested in how people go about the decision making process. A always pick something useful out of that. One thing I have learned it’s an incredible personal journey. The math is different for everybody, as well as time span, risk adversity and all other factors one might take in consideration.

There are some basics , most people start off by paying off consumer debt, student loans and mortgages. The variation starts from that point on, one might want to pursue a world trip , others want a better retirement or really early. All of these goals have different metrics. So there is not one right way , generally speaking the basic and key metric is spent less than you make.

One thing I have learned along the way is , make sure you know what your end goal is. And make sure this is really what you want. This is generally the hardest part to figure out. It’s has partly to do with the amount of time it takes achieving these life changing goals.

Also goals can change over time. And that’s ok, nothing wrong with that. Just don’t change them every month week or year. The journey in itself is rewarding as well, focussing and maintaining an outlook with a better and more secure future will pay off sooner than you think.

As it being personal one key thing will change for most. Your stress levels will decrease once your debt decreases and your net worth increases. Your mindset will change for the better. More mind space is available for things other than worrying. In my experience things will get better fast, more relaxed and your mind sharper. The main thing is getting better not just financially but also mentally and physically.

As with all long term goals you will get lost on the way, it helps defining and keeping an eye on the main prize at the end of it , but setting intermediate smaller goals in sync with the end goal keeps you enthused on the journey. Find those small goals and make a list. Once you get one , mark it as done. Celebrate it ! Share it with people that are important to you. Once the list is done, make a new one and save the old one. It’s a nice reminder of where you came from. It has worked for me in every part of life, not just finance. With my recovery as well. It keeps you grounded and thankful for progress made. It’s not an easy task getting in (financial) shape, but the ups and down will make you stronger !

While goals and time lines may vary wildly , the benefits and rewards that come with more financial stability are around the corner. The beginning might seen hard but your persistence will pay off. Find your first goal and stick to it.

May 2019 Dividend

May has passed , summer ahead and so it’s time for another dividend report. As usual May is a busy month for dividend. This year there has been an increase in dividend yet again, due mainly to new or additions too existing positions and some increases. As well as Munich Re , a large part of the total dividend any month they pay out. This month it was in May, but last month it was in April. A one on one comparison is a bit tricky so therefore I am not doing that. But it’s sufficient too say it’s up. When we look at the year as a whole we already have two thirds of the total dividends of last year in the pocket. And were not even half way yet. Al is going very well indeed.

The rundown :

DateStockCurrencyAmount
02-05-2019INGEUR44,00
02-05-2019Bayer AGEUR14,00
06-05-2019Munich ReEUR212,75
07-05-2019JungheinrichEUR5,00
08-05-2019ASMLEUR21,00
09-05-2019Amsterdam CommoditiesEUR36,00
15-05-2019NSIEUR13,44
16-05-2019AppleEUR10,41
20-05-2019K+S AGEUR10,00
21-05-2019BMWEUR35,00
28-05-2019ASM InternationalEUR30,00
28-05-2019DowDuPontEUR1,26
EUR432,86

April 2019 – Dividend

Another month passed by quickly. And so it’s time for another dividend update. This month and the next are always big on dividend coming in. This year is no different. It’s also got a few decent increases within the payments which is a nice bonus. Although this is exactly what is supposed too happen, it still feels as a bonus.

Mind you it can also go the other way round. Dividend payments can stop just like that and stock prices can implode as well. The last decade has been amazingly good. So for all of you who are just starting out. Have a long focus and don’t be deterred when things go sideways. Because they will at some point in time.

For now we are enjoying a nice ride, so here are the results for April :

DateStockCurrencyAmount
25-04-2019Ahold DelhaizeEUR70,00
24-04-2019Cisco systemsEUR8,75
16-04-2019WP Carey Inc. REITEUR9,21
15-04-2019NedapEUR50,00
10-04-2019Vanguard FTSE All-WorldEUR57,71
02-04-2019Vanguard Dividend AppreciationEUR1,36
02-04-2019NikeEUR1,96
01-04-2019Coca Cola CompanyEUR8,03
TotalEUR207,02

March 2019 – Dividend

Another month has gone by, time flies and all that. And as every month , another bit of dividend came rolling in. It doesn’t take up a minute of your time and yet it gets you a bit of money. Pretty nice !
Comparing this year with last year , Royal Dutch Shell is missing, I am on route in making my portfolio more environmental friendly and durable. So Shell was sold. I’m aware most of the oil and gas company’s are still in the ETF’s I hold and I am now figuring out more durable ETF’s.

The rest of the list is made up of the usual suspects , see the overview. See you next time !

DateStockCurrencyAmount
29-03-2019Unibail-RodamcoEUR5,40
20-03-2019Unilever EUR7,74
15-03-2019
DowDupont incEUR3,36
14-03-2019MicrosoftEUR8,14
TotalEUR24,64

Februari 2019 – Dividend

Oops , almost forgot to write this post entirely. The Februari dividend update. This month only 1 position that pays it’s dividends. Apple being the one. My Februari dividend income has always been the worst month of the year. Probably the reason I forgot about writing about it. But in stead of combining it with March, I decided too report Februari separately. Quick one this time.

Anyway Februari did indeed produce dividends. A bit less than last year, exchange rates are against me , taking it down 14%. But exchange rates are just a fact. I am not doing anything in the way of compensating for these fluctuations , the portfolio is simply far too small. Well see you in March for the next dividend update.

The numbers :

DateStockCurrencyAmount
14-02-2018AppleEUR9,77
TotalEUR9,77

January 2019 – Dividend

Another month has passed, first in 2019, time for another dividend update. Comparing 2019 with 2018 , the January dividend has gone up 50% , mainly because of growth in the portfolio. I don’t know if it’s also down to individual company’s raising there dividends. To be honest I wasn’t too bothered looking it up. Maybe I can muster up some will power the next time round.

It’s still fun watching dividends come in, although I follow the discussion around whether dividend investing is still as viable today as it was in the past with great interest. I think it a bit of a save guard for management not too take too short term decisions , and look more towards stability in growth as opposed too fast growth. Well for me it still works well, and for now I will keep it as part of my investment strategy alongside the ETF part of the portfolio.

Now the numbers :

DateStockCurrencyAmount
23-01-2018
Cisco SystemsEUR8,10
15-01-2018
W.P. Carey IncEUR9,03
10-01-2018
Walt Disney CompanyEUR0,77
09-01-2018
Vanguard FTSE All-World UCITS ETFEUR37,11
02-01-2019NikeEUR1,92
TotalEUR56,93

December 2018 – Dividend

Final month of 2018. And the final monthly dividend report for this year. The Stockmarket has tanked last few months which leads too all sorts of speculation and doubt, for my strategy it’s not important. For I am still in the building up part of the process. Time in the market is far more important than timing the market.

The dividend this month is less then December 2017, because I sold Shell in the summer. So we are down 67%. Green costs money ;). This will be corrected next year because the money went into other dividend paying company’s. Overall the dividend in 2018 is up 27% compared with 2017. Which is pretty good. It’s motivating.

We will see what 2019 will bring.

The numbers:

DateStockCurrencyAmount
20-12-2018Vanguard dividend appreciation ETFEUR1,51
18-12-2018Icahn Enterprises LPEUR1,53
14-12-2018DowDupont EUR3,33
14-12-2018Coca-ColaEUR5,13
13-12-2018Microsoft EUR8,07
05-12-2018UnileverEUR3,87
TotalEUR23,44

Portfolio news – Winter 2018

Time for another portfolio news. Since the last additions I have been going out of the fossil energy industry and reinvested the funds into technology and the ETF’s. I had still had Shell, sold ONEOK before that and now it was time to remove Shell from the portfolio. It’s a nice dividend income and for all their commercials and PR towards clean energy I haven’t really seen anything apart from sponsorships. No real moves as of yet. In name an Energy company, in practice still a old style oil giant. I realize I am still an investor by the way of the ETF, so I am not completely clean at the moment. But this is the first step.

Also out is General Electric, one of my longest holdings in the portfolio, and one I neglected acting on earlier which resulted in a loss, another testament towards simply buying an ETF and holding that instead of following separate companies. But I am still having fun doing the research, so for now I will keep adding some handpicked stocks to my portfolio.

As for technology , more ASML, Apple and Microsoft have been bought. Next on the list is Philips. Getting larger in healthcare which will remain a growing market, it’s been lagging a bit lately and now starts making up a bit. So I will start out with writing put options and seeing how things develop.

The ETF’s have seen the biggest growth in my portfolio, simply because it’s easy and cheap. Which comes a long way in having a nice return in the future. Low costs and simplicity is key. Its also remarkably stable. My handpicked portfolio goes up and down a lot more, which makes sense because it only contains a few positions versus hundreds combined in an ETF.

So my testcase is more and more in favor of the ETF’s , which I will be allocating more money towards in 2019.