04-30-2022, 06:44 AM
April Portfolio Update. Keep in mind that dividend comparisons other than for my Taxable Account are worthless due to the IRA. They'll start to matter again soon.
The biggest portfolio news is that I was able to make some moves following the T dividend cut to actually increase my projected 12-month dividend income by nearly 2%. I will owe some cap gains on that but as I had a large cash pool going into retirement this will be easier for me to manage than in subsequent years. The likely impact is reducing the Roth Conversion amount I take from my IRA in December.
Very strong dividend month in my Taxable Account, even not counting the WBD spinoff as a special.
As with some other things, now that the IRA has been up for a while I've decided keeping FSMEX makes less sense than I thought. There are a couple of Med device/tech companies I'm looking at, particularly TMO. Anyway, I'm going with individual stocks.
I've made my first cash withdrawal from my Taxable Account, 2.17% of the portfolio value, for living expenses. So this will be the last month it will be any use tracking gains/losses against the market. I'll keep posting it though. I'm interested to see if, long-term, I will continue to gain value despite taking money out.
I'm not sure what to account for when it comes to the big Taxable Account YoY dividend jump. I own more BBY and it pays (a lot) more. I'm sure the others that paid all had dividend increases. But it still seems a little large - not that I'm complaining.
Here are the numbers:
Metric IRAs Taxable Total
Buys 4 3 6
Sells 2 2 4
Dividend Increase
over April, 2021 372.68% 28.51% 69.34%
Dividend Increase
over January, 2022 334.78% 8.79% 42.48%
Change in value
over 3/31/22 -11.91% -4.74% -8.17%
Current Dividend
Yield 1.51% 2.80% 2.13%
Change in 12-mo
projected Dividend
Income fr 3/31/22 16.38% 1.92% 6.79%
Organic/Internal
annual DGR 14.23% 9.97% N/A
Taxable Account Transactions:
Sales:
4/11/22 – WBD, $25.25
4/13/22 – ADM, $96.00
Buys:
4/13/22 – T, $19.20
4/14/22 – WHR, $175.00
4/14/22 – BBY, $95.00
Roth Transactions:
Sales:
4/6/22 – NEE, $86.34
Buys:
4/8/22 – LRCX, $496.00
4/20/22 – BBY, $94.84
IRA Transactions:
Sales:
4/25/22 – FSMEX, $65.07
Buys:
4/26/22 – RY, $102.34
4/26/22 – TD, $72.09
Dividend Increases Received: BBY, $.70 to $.88/share; QSR, $.53 to $.54 per share
The biggest portfolio news is that I was able to make some moves following the T dividend cut to actually increase my projected 12-month dividend income by nearly 2%. I will owe some cap gains on that but as I had a large cash pool going into retirement this will be easier for me to manage than in subsequent years. The likely impact is reducing the Roth Conversion amount I take from my IRA in December.
Very strong dividend month in my Taxable Account, even not counting the WBD spinoff as a special.
As with some other things, now that the IRA has been up for a while I've decided keeping FSMEX makes less sense than I thought. There are a couple of Med device/tech companies I'm looking at, particularly TMO. Anyway, I'm going with individual stocks.
I've made my first cash withdrawal from my Taxable Account, 2.17% of the portfolio value, for living expenses. So this will be the last month it will be any use tracking gains/losses against the market. I'll keep posting it though. I'm interested to see if, long-term, I will continue to gain value despite taking money out.
I'm not sure what to account for when it comes to the big Taxable Account YoY dividend jump. I own more BBY and it pays (a lot) more. I'm sure the others that paid all had dividend increases. But it still seems a little large - not that I'm complaining.
Here are the numbers:
Metric IRAs Taxable Total
Buys 4 3 6
Sells 2 2 4
Dividend Increase
over April, 2021 372.68% 28.51% 69.34%
Dividend Increase
over January, 2022 334.78% 8.79% 42.48%
Change in value
over 3/31/22 -11.91% -4.74% -8.17%
Current Dividend
Yield 1.51% 2.80% 2.13%
Change in 12-mo
projected Dividend
Income fr 3/31/22 16.38% 1.92% 6.79%
Organic/Internal
annual DGR 14.23% 9.97% N/A
Taxable Account Transactions:
Sales:
4/11/22 – WBD, $25.25
4/13/22 – ADM, $96.00
Buys:
4/13/22 – T, $19.20
4/14/22 – WHR, $175.00
4/14/22 – BBY, $95.00
Roth Transactions:
Sales:
4/6/22 – NEE, $86.34
Buys:
4/8/22 – LRCX, $496.00
4/20/22 – BBY, $94.84
IRA Transactions:
Sales:
4/25/22 – FSMEX, $65.07
Buys:
4/26/22 – RY, $102.34
4/26/22 – TD, $72.09
Dividend Increases Received: BBY, $.70 to $.88/share; QSR, $.53 to $.54 per share