lucas03 dividend portfolio

[fenders53]

I'm very impressed lucas. Bull market or not, when you can buy that many stocks with only a couple losers, you're not just lucky.
You are making thoughtful purchases.

[lucas03]

wow, thanks. Don't think it's that hard with only 4 years behind me and buying more when it drops. A lot of my purchases are inspired by thread here "what did you buy today", where I think you are frequent contributor. So thanks for suggestions

[fenders53]

(12-12-2019, 02:09 PM)lucas03 Wrote: wow, thanks. Don't think it's that hard with only 4 years behind me and buying more when it drops. A lot of my purchases are inspired by thread here "what did you buy today", where I think you are frequent contributor. So thanks for suggestions

You mean the "let's all try to catch the falling knife a little too early thread?"    Kidding, it is a good place to go for ideas.  Just research them some before you leap.  You are doing fine.  When I was your age it was $29.95 commissions from a discount broker.  It was not an option to build a port like you are doing.  These are good times for a new investor.

[lucas03]

bought 13 shares of SKT today again, was looking into BA, but did not trigger it yet

[lucas03]

month ago I was asked, whether I know if I outperform index with my "active investing". Whether with passive investing to SP500 I wouldn't be doing better. I didn't know the answer, I remember that I expected to be doing 8% a year on average, so I was happy with my current 17.6% XIRR.

Today I got to it and tried to calculate what would be the result if I would be buying SPY instead of individual stocks. To my surprise, SPY would outperform me by 2500 USD on my ~29k portfolio. I might have higher dividend yield, but that does not make significant difference. Also numbers are not precise, as for SPY I only use monthly prices, but it should more or less match.

https://www.digrin.com/portfolio/24-dgi/performance/

EDIT:

ok, it's just 600 USD below. I head a 700 usd sell transaction in December 2018 and in new page I was calculating it as buy transaction for SP500 ETF. This was previous version of graph - https://monosnap.com/file/XTh7FwEF5QzM2f...4bUspWCOyT

[fenders53]

(01-11-2020, 06:14 PM)lucas03 Wrote: month ago I was asked, whether I know if I outperform index with my "active investing". Whether with passive investing to SP500 I wouldn't be doing better. I didn't know the answer, I remember that I expected to be doing 8% a year on average, so I was happy with my current 17.6% XIRR.

Today I got to it and tried to calculate what would be the result if I would be buying SPY instead of individual stocks. To my surprise, SPY would outperform me by 2500 USD on my ~29k portfolio. I might have higher dividend yield, but that does not make significant difference. Also numbers are not precise, as for SPY I only use monthly prices, but it should more or less match.

https://www.digrin.com/portfolio/24-dgi/performance/

EDIT:

ok, it's just 600 USD below. I head a 700 usd sell transaction in December 2018 and in new page I was calculating it as buy transaction for SP500 ETF. This was previous version of graph - https://monosnap.com/file/XTh7FwEF5QzM2f...4bUspWCOyT

I don't overly concern myself with beating the Index.  I do think you owe it to yourself to track it though.  When the market is in full blown " risk on" mode, the chances of you beating with a large number of dividend holding is very slim.  Watch what your port does in a down market vs the index.  The money you don't lose matters too.  Those years when the market is down 5% those dividends will look good.  When the market goes truly bearish, high quality DGI stocks may outperform by a wide margin.  IMO you still have to be mindful that your entry price always matters in the end.  Pay a much too high PE for even an Aristocrat at the end of a ten year bull and your protection may not be there.  I don't care if everybody will still be buying toothpaste, gasoline and soda pop.  Pay way too much for the stock and see what happens.  Just my opinion.

[Ron Ricco]

The other consideration is what happens in a flat or down market. The data I saw shows that dividend aristocrat stocks do much better than the index during recessions. Obviously it is really good for dripping as well.

[lucas03]

So I added 1 share of BA today by mistake. By mistake, I mean I had limit order from month ago and forgot about it. Just today I was watching video (https://youtu.be/bqgzmQJE3Uk?t=429) about that and said to myself, I am not buying boeing this year

[fenders53]

(01-21-2020, 04:36 PM)lucas03 Wrote: So I added 1 share of BA today by mistake. By mistake, I mean I had limit order from month ago and forgot about it. Just today I was watching video (https://youtu.be/bqgzmQJE3Uk?t=429) about that and said to myself, I am not buying boeing this year

And so it begins

[lucas03]

bought 4 GILD shares on new broker

All of my stocks are bought on degiro.cz, which has 0.5$ commissions per trade, but recently they started taking 30% tax on dividends. So I looked for alternatives in Europe and surprisingly found trading212 (BTW my reflink, if it's not ok I'll remove it) - free commissions, no fees, 15% tax on dividends, fractional shares and in March they should introduce DRIP. I am really happy about this, hopefully, I won't find any problem soon. support is also mega helpful and I can have account in USD

[lucas03]

Just bought 3.91 XOM shares for 61.36 usd, i didn't have enough money for 4 shares on new broker

[lucas03]

bought 16 shares of SKT for 12.71