Retired (70+ and not counting) mathematician and computer scientist who is now in the distribution phase. I began investing real money in late 2014 building my portfolio as the market allowed.. Thanks to all my teachers out there in SA Land. Comments on the portfolio are appreciated. My Income Portfolio (Mar 2016) is shown below. My goal is a portfolio Yield of =>3,5% with a Total Return of =>6%. Today the YoC=4.6%, Total Return=8.2%. BCE BCE Inc. Communication FTR Frontier Communications Communication T AT&T Inc. Communication VZ Verizon Communications Communication MCD McDonald's Corp. Consumer Cyclical TIME Time Inc. Consumer Cyclical TUP Tupperware Brands Corp. Consumer Cyclical AMNF Armanino Foods of Distinction Inc. Consumer Defense KO Coca-Cola Company Consumer Defense MO Altria Group Inc. Consumer Defense PG Procter & Gamble Co. Consumer Defense PM Philip Morris International Consumer Defense TGT Target Corp. Consumer Defense UL Unilever Consumer Defense COP ConocoPhillips Energy CVX Chevron Corp. Energy ESV Ensco Energy HP Helmerich & Payne Inc. Energy KMI Kinder Morgan Inc. Energy LNCO LINN Company Energy XOM ExxonMobil Corp. Energy XEL Xel Energy Energy BNS Bank of Nova Scotia Financial Services FSC First Street Capital Financial Services HTGC Hercules Technology Growth Cap Financial Services MA MasterCard Financial Services MAIN Main Street Capital Corp. Financial Services PSEC Prospect Capital Financial Services TCAP Triangle Capital Corp. Financial Services TMP Tompkins Financial Corp. Financial Services JNJ Johnson & Johnson Health Care PFE Pfizer Inc. Health Care GILD Gilead Sciences Health Care EMR Emerson Electric Industrials GE General Electric Co. Industrials UPS United Parcel Service Industrials CMI Cummins Industrials BBL BHP Billiton plc Materials AWSHX America Funds Mutual Fund DNP DNP Select Income Fund Mutual Fund SCHD US Dividend Equities Mutual Fund ETO Eaton Vance Mutual Fund WPC W.P. Carey Inc. REIT's CCP Care Capital Properties REIT's DLR Digital Reality Trust REIT's HCP HCP Inc. REIT's NLY Annaly Capitam Management REIT's O Realty Income Corp. REIT's OHI Omega Healthcare Investors REIT's STAG Utility-Electric REIT's UTX United Technologies Industrials VTR Ventas Inc. REIT's STWD Starwood Properties Trust REIT's LTC LTC Properties REIT's RDS/B Royal Dutch Shell Energy AAPL Apple Technology IBM IBM Technology MSFT Microsoft Corp. Technology CNP CenterPoint Energy Utilities ED Consolidated Edison Utilities SCG SCANA Corp. Utilities SO Southern Company Utilities WEC WEC Energy Group Utilities
Individual investor who retired in 2000 at age 56. Married with no kids. Actively investing since 1982 (except for participating in employee stock purchase plan prior to that). Now having to take RMD’s despite not really wanting to.
Until I found SA some time ago, I had no idea that quite a few of my positions met many of the general DGI requirements - IBM, XOM, WMT, O, CNP, BHP, WPC, & T, to name a few. Others (more than I would like to admit to) need weeding out. My thanks to the terrific folks on this site for opening my eyes to the world of DGI.
Retired HR administrator.
Financially and politically Conservative
Thoroughly disgusted with the current chaotic economic climate, as well as the overwhelmingly self-serving and irresponsible tax-and-spend whackaloons of every political stripe with whom we are presently afflicted.
Longterm buy-and-hold DRIP stock investor.
I'm retired, and so is my spouse. I spent my career in computers & software; she, in health care and pharma. We were pretty much in mutual funds in our IRAs/401-K, and got hosed in the great recession sell-off.
Started buying dividend stocks, and got hosed again by DOW, Phizer, BOA, GE dividend cuts and the great BP debacle. Also learned about "high dividend foreign stocks" with German nuclear utilities, French telecom, and Veolia.
Got a little smarter (maybe) with MLPs, REITs, bonds I would hold to maturity if they didn't get called. Still holding Joel Tillinghast and Will Danoff funds, which I harvest when they are up 20%. Bought a bit of Doubleline and Pimco which are throwing off monthly income.
The funds are the only assets that represent more than 2% of our holding.
Ham n Egger level investor that is paddling along slowly trying to manage my portfolio. Closer to retirement than not, but haven't punched out yet. Somewhat Income/Divvie oriented. I appreciate the gang tackle approach here with everybody trying to wrangle a buck out of the market.
Late 30's investor trying to adopt the dividend growth strategy. I have made some poor decisions in the past like not staying completely invested. I am currently almost all cash and would like to slowly invest my way back into the market.
I am tracking my progress of my real portfolio at our blog http://findependence2030.blogspot.com/
Stocks: T CVX XOM BAX GILD AMGN NVO UNH BCE KMI RDSB SO HCP BNS TROW MA TRV PX BBL QCOM MSFT AAPL GOOGL JNJ GIS ADM PEP KO HSY MO PM DIS SBUX UNP UTX.
ETFs : XLE AMLP
Funds: VWELX VWINX VGENX VGTSX
Light trader interested in dividend growth stocks. I own every S&P dividend aristocrat, and then some. The aristocrats form the foundation. I have ownership of more companies that I have placed on that foundation. I have several general rules about stocks. Rule #1: Do not buy a stock to sell it. Rule 2: Do not sell a stock you bought. Rule 3: If I am unsure if I should sell a stock, see Rules 1 & 2. Rule 4: If I really am going to sell a stock (fundamentals change, dividend frozen or cut, etc.,), then just sell it and do not look back. Rule 5: no foreign tax withholding (I do not want the money back later, I want it re-investing now, There are plenty of US and British dividend companies) and Rule 6: drip. drip. drip.
Former Marine (25 years) and recently retired from a large defense contractor after 24 years as a R&D program manager. Recently have been reallocating my portfolio from a capital gains focus to dividend growth and income focus. I appreciate the great articles and commentary published by SA contributors.
I retired from being an Engineering Fellow for a major industrial conglomerate in 2007. I spent 32 years there and focused on technology strategy and new technology development. I was fortunate to have both a defined benefit pension, a good size 401k, and some taxable brokerage accounts. To keep my mind busy, I made a hobby of personal investment management. I have focused on asset allocation theory, valuation techniques, and technical analysis. As an income investor, my primary interests are choosing and holding individual dividend stocks, including MLPs. I select actively managed mutual funds for other asset classes. I recently began selling options to enhance income and obtain desirable stocks.
Dividend Growth Investor since 2011.
In July 2013 we moved from a managed account with a mutual fund, stock and bond portfolio to our own Dividend Growth portfolio. I am still evaluating the current portfolio holdings as they fit in our DGI "Plan".
Update: June 2015 I am now fully retired and am following our plan for life long financial independence. Retirement and financial independence are two different life goals and as such should be treated differently. Now when I check our discount brokerage account I now look at the cash being generated rather than the total value. This income generating plan seems to be working just fine as dividends are being used to support our day to day life. We currently have a 4.1% yield, 4.4% YOC and 6% dividend CAGR.
My Father was a DGI for over 70 years and my parents lived off the dividends for over 30+ years showing me the way forward.
I continue to read S/A articles daily and am still learning from the many dedicated authors.
I volunteer my time to our High School First Robotics Team. It is amazing what these students can do over the 6 week build season.
There are certain stocks I will not buy and I like to have stocks of products we use. For example when we pay for gas the dividends from XOM, CVX and COP pays the bill and BCE, RCI and VZ pay for phone and internet. You get the idea. If there was only a good dividend vacation stock... Maybe CNK.
I am long on the following: Comments welcome on my holdings.
Info Technology; AAPL, CSCO, GOOG, GOOGL, MSFT, WU
Telecommunications; BCE, RCI, T, VZ
Financials; AFL, BRK-B, CB, PRU, TMP, USB, ORI
Industrials; CHRW, CSX, DE, EMR, GE, IBM, MMM,
Consumer Discretionary; CNK, DRI, LEG, MCD, SJR
Consumer Staples; CPB, KMB, KRFT, PEP, SYY, PG
Energy; COP, CVX, XOM, RDS.B, KMI, HP
Healthcare; JNJ, MDT, MRK, PFE, SNY
Utilities; D, DUK, PPL, SO, WEC, XEL, SCG
REITs; DLR, HCP, KIM, O, OHI, VTR, WPC, NNN
MLPs; SXL, ARLP, PAA
BDCs; MAIN, PSEC**
CEFs; GOF**' NIO** DMO**
* Being evaluated for sale and reinvestment.
** Speculative 1/3 positions
Oct2013 - Bought DLR on the dip hoping for a bounce.
Oct2013 - Sold EXC at a loss and bought XEL. EXC (left over from my adviser)
Jan2014 - Added ARLP to my wife's IRA, TGH and KRFT to taxable account on Jan dip
Jan2014 - Added VTR by taking the profits from WLP and STJ (left over from my adviser)
Feb 2014 - Added T on a dip at 32 ( I wanted this stock for many years and finally pulled the trigger.)
July 2014 - Sold LOW and AMAT, took profits and added to my SO holding in taxable account.
Sept 2014 - Sold TSCDY and VDC in our taxable account.
Sept 2014 - Sold VDC in my trad IRA and added HCP.
Oct 2014 - bought more XOM on the recent dip.
Dec2014 - bought more CVX and T on the recent dip.
Sold TGH, IBM at slight loss
Dec2014 - will transfer 50% of my 401k to trad. IRA. Let the buying commence.
March 2015 - All 401k money has been transferred to TIRA
Since Jan 1 2015 I have added to the following positions on limit orders to maximize value.
DUK, VZ, O, RDS.B, CVX, EMR, JNJ, VTR, WPC, OHI, HCP, DLR, PEP, T, KMB, RCI, PPL, GE
SCG, MAIN, NNN, PG, PAA, HP, NNN, ORI, (PSEC, NIO)**
Purchased KMI, KO, UTG, JNJ, MAIN and GILD on the Aug 24th "Flash Crash". Great bargains!
Dec 2015 sold BRK-B and WU at a gain to offset the KMI loss.
Jan 2016, Added my TGT, MMM, EMR and SCHD for my wifes IRA.
I'm a small investor. As such I focus on the nano to small cap range. As this area generally seems to be under-researched. I'm probably wrong about as often as right in that I fully reserve the right to be very wrong. I'm currently working as a physicist by trade though you'll find no quant articles from me. I consider myself committed to fundamental analysis. The extent of my direct finance background simply consists of the 20 or so credit hours of economics I took back in college. That and managing my (very) small portfolio.