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Thread: Actual Dividend Growth Portfolio

  1. #46
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    March dividends are in. MAIN also raised their dividend again another 3%

    Code:
    Date	                     Yearly Withdrawal
    8/31/2012	             $4.05
    9/28/2012	             $8.10
    10/31/2012	             $12.15
    11/16/2012	             $12.20
    12/15/2012		     $12.26
    12/18/2012		     $21.71
    1/16/2012		     $21.77
    1/23/2013		     $22.00
    2/15/2013		     $22.10
    3/16/1013		     $22.94
    So we are up to $22.94 a share yearly income without touching principle. We've been waiting for the end of March to make our next purchase, and that will happen next week.
    Last edited by JaxRed; 03-23-2013 at 12:10 PM.

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  3. #47
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    Well we did make our March purchase of 3 months worth of stock in a new (second) company. The logical side of me said to pick Realty Income Incorporated. (O). A safe secure monthly 4.8% payer that raises their dividend just a little bit every quarter.

    But the wild child in me wanted to buy another BDC in PSEC which also pays monthly, but pays 12%. Obviously the odds a dividend cut are much greater in PSEC, and I'm trying to show you that you can choose an ever-growing portfolio. So, I'm "gambling" a bit here that PSEC stays good for a while. (I own some in my own accounts).

    So wild child won and we bought 25 shares of PSEC. The three months accumulation of capital and the high dividend now jumps double what is was to $47.69

    Code:
    Date		Yearly Withdrawal	
    8/31/2012		$4.05 	Purchased 3 shares of MAIN
    9/28/2012		$8.10	        Purchased 3 shares of MAIN
    10/31/2012 	$12.15	Purchased 3 shares of MAIN
    11/16/2012 	$12.20	MAIN Dividend
    12/15/2012 	$12.26	MAIN Dividend
    12/18/2012	        $21.71	Purchased 7 shares of MAIN
    1/16/2012		$21.77	MAIN Dividend
    1/23/2013		$22.00	Main Special Dividend
    2/15/2013		$22.10	MAIN Dividend
    3/16/1013		$22.94	MAIN Dividend
    3/27/2013		$47.69	Bought 25 shares PSEC
    Next purchase (end of June) I promise to buy Realty Income
    Last edited by JaxRed; 04-02-2013 at 07:46 PM. Reason: formatting

  4. #48
    Waitin til next year bucksfan2's Avatar
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    Re: Actual Dividend Growth Portfolio

    @JaxRed since you seem well abreast in the REIT I would like your opinion. I have owned NLY for a couple of years now. I am in the red but the dividend is pretty nice. Its one that I have owned and really refused to do anything with because it fluctuates all over the place. I have had my eyes on IRC which is more of a property play instead of a mortgage play. It doesn't bounce all over the place and pays a smaller but more stable dividend.

    Any thoughts on these two?

  5. #49
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    Our April is over. No purchases till June. Our PSEC dividend won't show up till May so, just a slight increase in yearly income for April

    Code:
    8/31/2012	$4.05 	Purchased 3 shares of MAIN
    9/28/2012	$8.10 	Purchased 3 shares of MAIN
    10/31/2012	$12.15 	Purchased 3 shares of MAIN
    11/16/2012	$12.20 	MAIN Dividend
    12/15/2012	$12.26 	MAIN Dividend
    12/18/2012	$21.71 	Purchased 7 shares of MAIN
    1/16/2012	$21.77 	MAIN Dividend
    1/23/2013	$22.00 	Main Special Dividend
    2/15/2013	$22.10 	MAIN Dividend
    3/16/1013	$22.94 	MAIN Dividend
    3/27/2013	$47.69 	Bought 25 shares PSEC
    4/16/2013	$47.81 	MAIN Dividend

  6. #50
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    Quote Originally Posted by bucksfan2 View Post
    @JaxRed since you seem well abreast in the REIT I would like your opinion. I have owned NLY for a couple of years now. I am in the red but the dividend is pretty nice. Its one that I have owned and really refused to do anything with because it fluctuates all over the place. I have had my eyes on IRC which is more of a property play instead of a mortgage play. It doesn't bounce all over the place and pays a smaller but more stable dividend.

    Any thoughts on these two?
    Hey, Bucks.... I don;t know how I missed your question. Tunnel vision I guess. But if I only could choose one of those I would choose IRC. I know I sound like a broken record, but over on Seeking Alpha is a Property REIT expert I "follow".

    He had a nice article on IRC about 7 months agao

    http://seekingalpha.com/article/1054...the-windy-city

  7. #51
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    A little late but here's our May results. We got our first dividend from PSEC, and income keeps going up. We buy our June stocks here in next couple weeks.

    Code:
    8/31/2012	$5.40	$4.05	Purchased 3 shares of MAIN
    9/28/2012	$10.80	$8.10	Purchased 3 shares of MAIN
    10/31/2012	$16.20	$12.15	Purchased 3 shares of MAIN
    11/16/2012	$16.26	$12.20	MAIN Dividend
    12/15/2012	$16.34	$12.26	MAIN Dividend
    12/18/2012	$28.94	$21.71	Purchased 7 shares of MAIN
    1/16/2012	$29.02	$21.77	MAIN Dividend
    1/23/2013	$29.33	$22.00	Main Special Dividend
    2/15/2013	$29.47	$22.10	MAIN Dividend
    3/16/1013	$30.59	$22.94	MAIN Dividend
    3/27/2013	$63.59	$47.69	Bought 25 shares PSEC
    4/16/2013	$63.74	$47.81	MAIN Dividend
    5/16/2013	$63.89	$47.92	MAIN Dividend
    5/24/2013	$64.23	$48.17	PSEC Dividend

  8. #52
    Member forfreelin04's Avatar
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    Re: Actual Dividend Growth Portfolio

    Quote Originally Posted by medford View Post
    yes,

    the roth is similar to any regular investment account in terms of what options you have to invest (bonds, stocks, mutual funds, etc..) All money is taxed upfront (where a 401(k) is all pre-tax investments) then your money is free to grow tax-free until retirement.
    I've hesitated posting in this thread for a year now. I work in the industry.

    I'll clarify here since it's not that simple, but generally speaking you are correct.

    First, a 401 (K) can include post-tax investments. Many companies have instituted the option for a ROTH designated account inside of their 401 K chassis. Thus your contributions can be much larger than outside of that chassis. If your under 50 like myself, you can put up to 17,500 in your 401 (K) in the ROTH designated account. Personally, I utilize this account because I feel tax rates will be higher when I'm able to withdraw after 59 1/2 without a 10% penalty. The downside is I do not get to defer that 17,500 from my income taxes.

    At retirement or upon job loss, I'll be able to roll the ROTH portion of my account out into a ROTH IRA just like the traditional rollovers. By doing this, I maximize the features of the ROTH because I can put a heck of a lot more money away than ROTH's outside of the 401 K chassis. (5,500 for under 50 years old and 6,500 for those over 50)

    Secondly, the money from a ROTH is tax free in retirement, but you still must be over 59 1/2 to avoid the 10% penalty. Also, you must hold "A ROTH" for at least 5 years and be over 59 1/2 to get tax free withdraws. Your cost basis (money contributed) will never again be taxable, but your investment gains will be. You can also always peel out your cost basis before 59 1/2 so long as its coded that way. Finally, the 5 year rule is subject to ROTH IRA's in general. Thus, if you have multiple ROTH accounts with various companies each does not have to serve the 5 year rule. The first day you open a ROTH account the clock starts ticking and you don't have to subsequently serve the 5 year's if you were to open a new ROTH account with another company.
    Last edited by forfreelin04; 06-22-2013 at 02:08 AM.

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  10. #53
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    Re: Actual Dividend Growth Portfolio

    Quote Originally Posted by bucksfan2 View Post
    @JaxRed since you seem well abreast in the REIT I would like your opinion. I have owned NLY for a couple of years now. I am in the red but the dividend is pretty nice. Its one that I have owned and really refused to do anything with because it fluctuates all over the place. I have had my eyes on IRC which is more of a property play instead of a mortgage play. It doesn't bounce all over the place and pays a smaller but more stable dividend.

    Any thoughts on these two?
    I don't want to steal JaxRed's thunder at all since he sounds highly educated in dividend paying investments, but dividends are never guaranteed.

    If you have a stock that's in the red, and the only reason you have it is for the dividend yield I would caution you against holding it much longer. If NLY chooses to stop paying dividends, your not going to get your yield and subsequently you'll fade even deeper into the red since they'll be a mass exodus at that point.

    There's nothing wrong with dividend stock investments. In fact, I would encourage it to the right investor. However, 95% of the country doesn't truly understand the risk involved. Many times retirees get their investment tips from the golf course instead of someone trained and licensed in the field. Certainly, dividend paying stocks are a nice diversification strategy to a balanced portfolio. The problem is many folks get in way too deep with money their actually planning on using in retirement.

    It seems like JAXRED here is using the ROTH for his daughter. I don't know how old she is and if he's planning on using the funds for college for her, but in most scenario's people haven't saved enough for retirement to warrant the holding of individual stock's that pay beyond the norm in dividends.

  11. #54
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    Let me post my results for June before I respond to forfreel. June was the month that we were planing on purchasing with our $100 monthly investment. We purchased a new stock for our portfolio. O - Realty Income Incorporated. They carved out a niche starting in 1970 as "The Monthly Dividend Company". They have increased their dividend 71 times since then, including 62 consecutive quarterly increases. They have never missed a dividend, they have never decreased a dividend.


    http://www.realtyincome.com/landing/...Fazm7AodQhEAmA


    June was a brutal month for stocks and in particular for BDC's and REITS, which is all that I have in this portfolio at this time. Yet even in a severe down market, the yearly income stream and the 75% withdraw figure just keeps increasing.

    Date Yearly Dividend Income Yearly Withdrawal
    08/31/2012 $5.40 $4.05 Purchased 3 shares of MAIN
    09/28/2012 $10.80 $8.10 Purchased 3 shares of MAIN
    10/31/2012 $16.20 $12.15 Purchased 3 shares of MAIN
    11/16/2012 $16.26 $12.20 MAIN Dividend
    12/15/2012 $16.34 $12.26 MAIN Dividend
    12/18/2012 $28.94 $21.71 Purchased 7 shares of MAIN
    01/16/2012 $29.02 $21.77 MAIN Dividend
    01/23/2013 $29.33 $22.00 Main Special Dividend
    02/15/2013 $29.47 $22.10 MAIN Dividend
    03/16/1013 $30.59 $22.94 MAIN Dividend
    03/27/2013 $63.59 $47.69 Bought 25 shares PSEC
    04/16/2013 $63.74 $47.81 MAIN Dividend
    05/16/2013 $63.89 $47.92 MAIN Dividend
    05/24/2013 $64.23 $48.17 PSEC Dividend
    06/10/2013 $79.42 $59.57 Bought 7 shares O
    06/14/2013 $79.59 $59.69 MAIN Dividend
    06/20/2013 $79.94 $59.96 PSEC Dividend

  12. #55
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    Posted a reply to forfreel over in my original thread where we discussed investing philosphy

    http://www.redszone.com/forums/showt...t=95034&page=1

  13. #56
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    Re: Actual Dividend Growth Portfolio

    July's activity is done. We got another special dividend from MAIN. And the yearly income keeps climbing. No investments this month. Got our first dividend from our June purchase of Realty Corporation.

    Code:
    Date	Yearly Dividend Income	Yearly Withdrawal	
    8/31/2012	$5.40	$4.05	Purchased 3 shares of MAIN
    9/28/2012	$10.80	$8.10	Purchased 3 shares of MAIN
    10/31/2012	$16.20	$12.15	Purchased 3 shares of MAIN
    11/16/2012	$16.26	$12.20	MAIN Dividend
    12/15/2012	$16.34	$12.26	MAIN Dividend
    12/18/2012	$28.94	$21.71	Purchased 7 shares of MAIN
    1/16/2012	$29.02	$21.77	MAIN Dividend
    1/23/2013	$29.33	$22.00	Main Special Dividend
    2/15/2013	$29.47	$22.10	MAIN Dividend
    3/16/1013	$30.59	$22.94	MAIN Dividend
    3/27/2013	$63.59	$47.69	Bought 25 shares PSEC
    4/16/2013	$63.74	$47.81	MAIN Dividend
    5/16/2013	$63.89	$47.92	MAIN Dividend
    5/24/2013	$64.23	$48.17	PSEC Dividend
    6/10/2013	$79.42	$59.57	Bought 7 shares O
    6/14/2013	$79.59	$59.69	MAIN Dividend
    6/20/2013	$79.94	$59.96	PSEC Dividend
    7/15/2013	$80.10	$60.08	MAIN Dividend
    7/15/2013	$80.16	$60.12	O Dividend
    7/18/2013	$80.50	$60.38	PSEC Dividend
    7/26/2013	$80.70	$60.53	MAIN Special Dividend
    Last edited by JaxRed; 07-27-2013 at 08:51 AM.

  14. #57
    Member JaxRed's Avatar
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    Re: Actual Dividend Growth Portfolio

    Well, 1 year is up. Started with a purchase for Aug 2012 and we have just finished Aug 2013

    Code:
    8/31/2012	$5.40	$4.05	Purchased 3 shares of MAIN
    9/28/2012	$10.80	$8.10	Purchased 3 shares of MAIN
    10/31/2012	$16.20	$12.15	Purchased 3 shares of MAIN
    11/16/2012	$16.26	$12.20	MAIN Dividend
    12/15/2012	$16.34	$12.26	MAIN Dividend
    12/18/2012	$28.94	$21.71	Purchased 7 shares of MAIN
    1/16/2012	$29.02	$21.77	MAIN Dividend
    1/23/2013	$29.33	$22.00	Main Special Dividend
    2/15/2013	$29.47	$22.10	MAIN Dividend
    3/16/1013	$30.59	$22.94	MAIN Dividend
    3/27/2013	$63.59	$47.69	Bought 25 shares PSEC
    4/16/2013	$63.74	$47.81	MAIN Dividend
    5/16/2013	$63.89	$47.92	MAIN Dividend
    5/24/2013	$64.23	$48.17	PSEC Dividend
    6/10/2013	$79.42	$59.57	Bought 7 shares O
    6/14/2013	$79.59	$59.69	MAIN Dividend
    6/20/2013	$79.94	$59.96	PSEC Dividend
    7/15/2013	$80.10	$60.08	MAIN Dividend
    7/15/2013	$80.16	$60.12	O Dividend
    7/18/2013	$80.50	$60.38	PSEC Dividend
    7/26/2013	$80.70	$60.53	MAIN Special Dividend
    8/14/2013	$81.72	$61.29	Main Increases Dividend
    8/15/2013	$81.89	$61.42	Main Dividend
    8/15/2013	$81.95	$61.46	O Dividend
    8/22/2013	$82.29	$61.72	PSEC Dividend
    Income climbing consistently every month. For those of you hung up on "gains vs losses", technically we are down a bit. But it demonstrates the principle. "Don't worry about the ups and downs, focus on the income stream". Now.... long term it will be up.

  15. #58
    Viva la Rolen kaldaniels's Avatar
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    Re: Actual Dividend Growth Portfolio

    Quote Originally Posted by JaxRed View Post
    Well, 1 year is up. Started with a purchase for Aug 2012 and we have just finished Aug 2013

    Code:
    8/31/2012	$5.40	$4.05	Purchased 3 shares of MAIN
    9/28/2012	$10.80	$8.10	Purchased 3 shares of MAIN
    10/31/2012	$16.20	$12.15	Purchased 3 shares of MAIN
    11/16/2012	$16.26	$12.20	MAIN Dividend
    12/15/2012	$16.34	$12.26	MAIN Dividend
    12/18/2012	$28.94	$21.71	Purchased 7 shares of MAIN
    1/16/2012	$29.02	$21.77	MAIN Dividend
    1/23/2013	$29.33	$22.00	Main Special Dividend
    2/15/2013	$29.47	$22.10	MAIN Dividend
    3/16/1013	$30.59	$22.94	MAIN Dividend
    3/27/2013	$63.59	$47.69	Bought 25 shares PSEC
    4/16/2013	$63.74	$47.81	MAIN Dividend
    5/16/2013	$63.89	$47.92	MAIN Dividend
    5/24/2013	$64.23	$48.17	PSEC Dividend
    6/10/2013	$79.42	$59.57	Bought 7 shares O
    6/14/2013	$79.59	$59.69	MAIN Dividend
    6/20/2013	$79.94	$59.96	PSEC Dividend
    7/15/2013	$80.10	$60.08	MAIN Dividend
    7/15/2013	$80.16	$60.12	O Dividend
    7/18/2013	$80.50	$60.38	PSEC Dividend
    7/26/2013	$80.70	$60.53	MAIN Special Dividend
    8/14/2013	$81.72	$61.29	Main Increases Dividend
    8/15/2013	$81.89	$61.42	Main Dividend
    8/15/2013	$81.95	$61.46	O Dividend
    8/22/2013	$82.29	$61.72	PSEC Dividend
    Income climbing consistently every month. For those of you hung up on "gains vs losses", technically we are down a bit. But it demonstrates the principle. "Don't worry about the ups and downs, focus on the income stream". Now.... long term it will be up.
    How much have you invested total, and what is your expected yearly income stream expected as of today?

    As with a baseball stat that needs supplemented, saying you expect 82.29 of income stream doesn't tell much unless you know what you paid to get that.

    If you don't want to divulge anything, certainly I don't expect you to.

  16. #59
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    Re: Actual Dividend Growth Portfolio

    Quote Originally Posted by kaldaniels View Post
    How much have you invested total, and what is your expected yearly income stream expected as of today?

    As with a baseball stat that needs supplemented, saying you expect 82.29 of income stream doesn't tell much unless you know what you paid to get that.

    If you don't want to divulge anything, certainly I don't expect you to.
    Based on the initial post to this thread, I'd say he's invested either $1200 or $1300 to this point.

  17. #60
    Viva la Rolen kaldaniels's Avatar
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    Re: Actual Dividend Growth Portfolio

    Quote Originally Posted by Boston Red View Post
    Based on the initial post to this thread, I'd say he's invested either $1200 or $1300 to this point.
    An actual number would be good. One percentage point is huge in the investing game. With all the details given on the expected dividend, it would be good for each of those posts simply stating amount invested to date, not counting reinvestments.


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