Live Off Dividends

Passive Income and Personal Finance

Category: Blog Update (page 2 of 24)

Dividend Portfolio Update: September 2017

Another month in the books! The elusive $200 month has managed to narrowly escape me once again. Not that I’m complaining because this was a great month for me! I’d love to see $200+ this December though!

For those wondering how I make free trades and pay no commissions, I use Robinhood for my dividend portfolio. If you want to sign up, use my link and we’ll both receive a free stock valued up to $150!

These are all the companies that paid me dividends in September amounting to $186.27.

I received $63.63 from dividends in my Roth IRA this month. This brings my yearly total to $214.37 and puts my monthly average for the year at $17.86. Only one more big month for my Roth this year!

My dividends year over year in September increased from $144.73 to $186.27. This was a 28.70% increase year over year. Not a crazy year over year increase but I’ll take it! For 2017, my average monthly year over year increase is now at 101.66%, pretty awesome! I would love to continue to see growth like this finishing out 2017.

 

I received a total of $920.90 from dividends in 2016. I’m currently at $1,150.19  this year which is 124.90% of 2016’s total. I’m already about 25% up on 2016’s total and I still have 3 months to bring that number even higher! I might even manage to hit 175% of 2016’s total this year, that would be amazing!

My total annual dividends increased this month from $1,368.91 to $1,411.69, while my average monthly dividends increased from $114.07 to $117.64. This was a 3.13% increase month to month! For 2017, my average month to month increase is now at 1.29%, my portfolio overhaul had a large impact on this number, it would be around 2.39% excluding April, so I expect to be closer to that number next year.

Purchases:

September 8: Purchased 4 shares of UPS at $115.15 for a total of $460.59.

September 22: Purchased 9 shares of O at $57.51 for a total of $517.59.

 

Sells:

No sells this month.

Contributions:

Total: $880.00

Dividend Increases: 2 Increases

Verizon increased their quarterly dividend payout from $0.577 to $0.59. This was a 2.25% increase and will earn me an extra $2.76 annually or $0.23 monthly.

Microsoft increased their quarterly dividend payout from $0.39 to $0.42. This was a 7.69% increase and will earn me an extra $3.84 annually or $0.32 monthly.

Together these two increases will earn me an extra $6.60 annually or $0.55 monthly with no additional money invested.

This chart shows my average monthly increases from organic dividend growth ( growth from companies increasing their dividend rather than growth from additional capital invested ). My average monthly organic increase for the year is now at $0.49 up from $0.48 last month. A goal of mine is to get my portfolio to the point to where my organic growth matches my growth from additional capital invested and then eventually surpasses it. For 2017, my average monthly growth from additional capital invested is at $1.30. This number is much, much lower than it should regularly be. My portfolio overhaul affected this number as well. Excluding April this number would be about $2.50, so that is my goal for organic growth as of now.

Rental Property: $650

I received $650 for rent in August.

We’re still waiting to close on the three rental properties we’re in contract for. It should happen by the end of October.

I’m still behind 11 contributions to my dividend portfolio totaling $4,840 from when I was injured at the start of this year. I also haven’t contributed anything to my Roth IRA for the year yet, so that’s another $5,500 that I need to make appear out of thin air! Once we finally close on the three rental properties I’ll start to tackle these numbers. I’m starting to think I can make it happen, fingers crossed!

Here are all my other monthly Dividend Portfolio Updates if you want to catch up!

Leave a comment and let me know how September went for you! I look forward to hearing from all of you every month!

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Net Worth Update: September 2017 +$5,526

Another great month for my net worth as well as my year to year growth. I’m happy to see positive growth every month this year (for the months that I’ve tracked). I’m sure the months that I didn’t track this year have been positive as well.

For those wondering, I use  Personal Capital to help track my net worth and I highly recommend giving it a shot (it’s completely free). You can link all your accounts and it does all the work for you. It also gives you access to a bunch of really cool tools, like the investment checkup tool.

Personal

My home value stayed the same at $100,000.

My truck value actually increased from $7,295 to $7,463. +168

Total: +$168

Investment Accounts

Robinhood account increased from $41,618 to $44,181. +$2,563

Roth IRA increased from $14,329 to $14,780. +451

457b increased from $6,541 to $7,122. +$581

NYS retirement account increased from $3,595 to $3,683. +$88

Total: +$3,683

Cash

My cash increased from $7,731 to $8,899.

Total: +$1,168

Total

Total assets increased from $180,749 to $186,128. +$5,379

Mortgage

My mortgage decreased from $59,150 to $59,003.

Total: -$147

My net worth heading into July is $127,125 up from $121,599 last month! This was a $5,526 increase or a 4.54% increase.

 

net worth month to month

My year over year net worth increased by 102.81%! That is, $62,682 last September to $127,12 this September. I can only hope to see this kind of growth by this time next year.

I recently found all my old net worth data dating back to January 2016. As you can see by the chart, I was spotty in recording it. I’ve found that tracking my net worth motivates me even further to increase it. So, I will continue to do so and track the results. Again, I encourage everyone to track their net worth and Personal Capital is a great tool to help you do so.

Here are the rest of my monthly net worth updates if you want to check them out!

Age

I think it’s important to track my age and where I fall percentage wise in my age group as well. I just turned 24 years old and my net worth puts me in the 96th percentile. Also, here’s the link that I use to calculate that.

This post may contain affiliate links.

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Dividend Aristocrats 2017 Full List

Dividend Aristocrats: 25+ Years Of Consecutive Dividend Growth

Dividend Aristocrats are companies within the S&P 500 that have increased dividends for at least 25 consecutive years. Dividend Aristocrats can be found in many different sectors and they are all large cap, blue chip companies. They have maintained their dividend increases through adaptations in the market, a resilient business model and consistent earnings growth. These companies have done quite well against the overall market in terms of returns.

Over the last 10 years the S&P 500’s annualized return has been 6.3%. Over the same time period the Dividend Aristocrats Index has return an annualized 9.7%. A whopping 3.4% higher than the market! Over this time period dividends have accounted for 31% of the markets total return.

This chart highlights the difference in total returns between Dividend Aristocrats and the S&P 500 from 1990-2014.

Blue chip dividend stocks are often recognized for Continue reading

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