My investment strategy is a hybrid of dividend-growth and capital appreciation. I’m in the process of building a reliable and growing income stream that will eventually replace our current earned income. If my dividend-growth investments are meeting quarterly and yearly goals, I consider long-term (and occasionally speculative) capital-appreciation opportunities. My stock portfolio currently includes: COP and CVX in Energy; APD in Basic Materials; EMR, ITW, LMT, MMM, NSC, RTN, UNP, and UTX in Industrials; DIS, HAS, JWN, LOW, MCD, SBUX, and TGT in Consumer Discretionary; CVS, GIS, KO, KHC, PEP, PG, and WBA in Consumer Staples; ABT, AMGN, CELG, ESRX, GILD, JNJ, MDT, and SYK in Health Care; MA, TROW, and V in Financials; AAPL, CSCO, GLW, IBM, MSFT, QCOM, and SWKS in Technology; T and VZ in Telecom; AVA, D, LNT, SO, WEC, and WTR in Utilities; and CCP, DLR, O, OHI, and VTR in Equity REITs. I don't benchmark my dividend-growth holdings but do compare their performance against the quarterly and annual goals stated above. I do compare the performance of my capital-appreciation stocks against the performance of the S&P 500. In general, I'm an infrequent seller.
Self-directed private investor. Formerly a executive in a public company with a background in finance. My focus is dividend growth investing and the purpose is to create and maintain a growing cash flow to pay my living expenses.
My bio got deleted somehow...this is just a short one so I can send PMs...will update when I have more time. Began in 2012 and have a mix of 55 assets. Goal is to create steady, increasing income -- generated through dividends --- ready to withdraw as supplemental earnings within 8-10 years.
Early 40's, Project Manager State Agency in California. Self direct investor for less than a decade. No financial education/employment background whatsoever. Been following the SA site almost daily since opening the brokerage account and building my knowledge base for investing slowly but surely. SA has been an immeasurably valuable tool in my toolbox as far as investing goes and has helped lead me to other resources online and elsewhere. Family member suggested a DGI approach prior to me opening the brokerage account and have found the strategy fits my timeline, personality and goals. Mistakes might provide some of the best lessons but of course I would prefer to skip those classes.
Long: ABT AAPL CVS D EMR HRL JNJ KO LEG MAIN MO O OHI ORI PG PSEC RAI SO T TGT UL XOM SCHD
Retiring to Maine seemed like the American Dream back then:
Today I would picture myself sipping cold brewed Starbucks in LL Bean slippers in front of the Vermont Casting gas fireplace in the sunroom. Later a little snowshoeing in the woods before a lobster Mac and cheese lunch followed by a nap in the Lazy boy recliner.
“If you just sign the payroll deduction form we can get your retirement started all with the help of American Funds”, the broker/adviser said. He made it sound so easy.
Thirty years later reality sets in. The broker is on his sail boat and I'm wondering where my yacht is. Must be docked with the other customer's yachts.
Today, I’m trying to convert a very modest assortment of American Funds into a dividend paying portfolio that will beat my RMD and supplement SS.
Enter SA and the “new achievable” American Dream. With the help of some very knowledgeable SA authors and a bit of luck we will make it and SWAN too.
In the spirit of full disclosure, we have all the goodies described in the first paragraph plus our yacht is a 12 foot Carolina skiff. It still is nice to grab a quick NCL cruise to Bermuda or a longer one to the Caribbean using some of those delicious dividends.
I'm a dividend growth investor in my mid 30s. I invested in poorly performing mutual funds in my 20s, but in the last couple of years have transitioned towards equities. Although the bulk of my stocks produce income, I also invest in stocks which are more oriented towards capital appreciation. Since I switched to a more entrepreneurial career, I'm hoping to live off my current dividends until I can get a reliable income stream going again. Think of me as a young retiree!
52, trying to save for retirement, college for teenager, and a few fun family activities. Long many of the usual suspects (GIS, DUK, HSY, MMM, CMI, SO, GE, CVS, WAG, among others) and trying to increase savings. Burned by BAC, TYC, and GE and a couple of others while chasing yield; still smarting but learned from those hard lessons and doing much better now. Finally off the mutual fund racket except for a 401k that doesn't allow investment in individual stocks. Firm believer in buying and holding and DGI. No options.
I am an individual investor nearing retirement (within the next 10 years). My portfolio is diversified among a 401k, an IRA, and a retail trading account.
I manage my 401k by tactically rotating between a varying mix of stock and bond mutual funds using momentum and trend-following strategies..
My IRA is managed by an outside firm who maintains it in a balance of dividend-paying stocks and ETFs, with an overlay of covered-call strategies. A portion is also maintained in cash to take advantages of opportunities as they arise.
I manage my retail trading account trading options based on overall market volatility using underlying vehicles such as VIX, VXX, XIV, and SVXY.
Close to retirement age but plan to keep working for some time to come. Have invested in stock market sporadically, mostly confused and scared. It hasn't worked very well. Have a lot to learn, learn a lot from many SA folks and enjoy the sharing here.
Historically about 60% invested (minority is stocks along with a lot of "other") with 40% cash. Aiming at this stage to put more of the cash to work, and since I'm underweight in stocks/bonds, am focused there, especially but not only DGI.
Expect that I can avoid taking much if any income out for 15-20 years (except tax and the RMD), unless something unexpected happens--not a long compounding period but better than not at all.
Recent retiree converting traditional retirement account assets to dividend-producing stocks.
ABBV, AMGN,APPL, CAT, CCP, CL, CMI, CVX, D, ED, EMR, GILD, GIS, HCP, HPE, HPQ, JNJ, KMB, KO, LMT, MMM, MSFT,O, OHI, PG, SE, SO, STAG, T, TACO, UBA, VTR, VZ, WEC, WMT,WPC,XOM