Cemanuel 2022 Portfolio Thread

[cemanuel]

Rather than start a new thread whenever I post an update, such as monthly/quarterly, I thought I'd build one to carry through the year.

This is my real-world portfolio. I retired effective 12/31/21 and intend to live almost completely on it from now on. I have a couple of partnerships that provide me with a little income each year but the amount I receive is not consistent and doesn't figure in my budgeting. It's also much less than my dividend income - I call partnership income my retirement version of a Christmas Bonus.

As I type this I have two accounts; a Taxable Account and a Roth. Both were opened on March 8, 2017. I also have a 403b I will rollover to an IRA after February 19, 2022, my 59.5th birthday.

Account Goals

Taxable Account: Provide me with sustainable, growing, dividend income. I will use this account to completely fund my retirement. Based on my pre-retirement budgeting I should be able to cover about 80% of my expenses from dividend income. The other 20% will come from a combination of saved cash and periodic sales; at this time those sales will be AAPL and GOOGL shares. I won't be completely passive here but other than these sales expect to do little trading here. I'm reasonably happy with what I own though I'm sure that as I pursue my quest to become the longest-lived Human Being in the history of the planet   that some companies will run into problems. Total return/value is not a primary goal of this account but it's always nice to have.

Roth: Total Return account. However I mostly want to buy companies for it that I believe I can hold forever. I will do some trading, mainly shares around a core/long position. While its goal is not dividend income I expect most companies will pay dividends.

IRA: Once I get there it will also be a TR account, managed the same as the Roth. Right now I can only own Mutual Funds in it but this will change with the roll over.

I have a pretty large emergency fund - bigger than it needs to be actually but every time I think about, say, cutting it in half, I don't.

I don't give investing advice. I'm not that smart. But I don't mind tossing out what I do and letting people take from it what may be useful for them. Questions are welcome about anything except dollar amounts.

I've been blogging on Seeking Alpha since August, 2018. I have 129 posts. Supposedly blogs are going away but for now they're still up. In any case, if you have access, these contain far more information than anyone would likely ever want about my investing, portfolio management, retirement planning, etc.: https://seekingalpha.com/user/48196727/i...instablogs

As of 1/1/22 the three accounts - Taxable, Roth, 403b - make up the following proportion of my total stock/fund investments:

• Taxable Account: 63.15%
  
• Roth: 2.15%
  
• 403b: 34.69%
  

Once I do the rollover I'll manage the Roth and IRA similarly and will mostly report on them as if they are a single account. As they aren't strictly DG accounts I will try to not talk much about them here despite my enthusiasm over, since I won't need to touch them for 13 years, being able to invest like I'm young again.

Here are my Taxable and Roth accounts as of 1/1/22, sorted by the amount a stock makes up of its respective account.

   

   

Happy New Year and Happy Investing Everyone!