I am a software engineer for hire. It has been my trade since my first gig ca. 1985, and as a full-time employee and as a consultant during and since my C.S. degree. This profession requires continuous and independent learning to keep up with the fresh college graduates. I am a financial engineer of necessity, should I hope to ever become financially independent. I apply the same learning approach to economic and financial matters that I use to keep up my employment-related knowledge and skills. I read everything. Company reports, Fed publications, financial times, scientific journals, economic papers, the wsj, mother earth news, and much more covering agriculture, automotive, aviation, botany, chemistry, construction, economics, electronics, firearms, geology, hvac, history, irrigation, law, medicine, physics, plumbing, wiring, yeast, and a bunch more are on the bookshelf and nightstand just behind my right shoulder. My short-term goal is to know about everything, with more about what I need or want to learn at present. My long-term goal is to know everything about everything. While history may not repeat exactly the same, I believe it does rhyme. Thus the importance of Cicero's, "Not to know what happened before one was born is always to be a child." History has led me to invest in companies with a history of growing their dividend. Capital gains are only useful once you turn them into cash flow. History shows you get better results if you skip the conversion. So I invest for cash flow, not for capital gains. Thru my study of science, history, economics and sociology, I've found the Austrian school of economics to have the most valid explanations of why it happened, how it happened, and what will happen. Because of that I know that silver and gold are money, and so part of my portfolio has long been in Ag and Au for diversification, and part for insurance against history rhyming as pointed out by Mises: There is no means of avoiding the final collapse of a boom brought about by credit expansion. The alternative is only whether the crisis should come sooner as a result of the voluntary abandonment of further credit expansion, or later as a final and total catastrophe of the currency system involved. --Ludwig von Mises I don't see any sign of "the voluntary abandonment of further credit expansion." For those who think everyone but them thinks like lemmings: I do not watch fox news or cnn or msnbc or TV. I listen to the radio 0.75-1.0 hours per day while I commute. Over 90% of that time the station tuned is rock -- alternative, classic, hard, ... but sometimes country. Less than 10% of the time is split between country and a local ABC affiliate for local news and traffic. I'll sometimes listen to time-shifted recordings of financial-related talk shows while working. For entertainment/variety sometimes while working and while I fall asleep I listen to time-shifted recordings of Coast to Coast AM which have the ads removed, typically 4-6 weeks after they air. ("time-shifted" so I can skip the annoying segments be they callers or guests.) I also like to watch the children or the cows or the cat or the birds or the deer or the fox. (The chickens are gone. Gave the last two away as the fox was getting far too bold.)
I am a retiree with a portfolio of dividend paying shares plus a small amount in bonds with various maturities. Mainly I prefer to invest in companies with low P/E ratios, above average dividend yields, solid balance sheets, and managements of good character. Occassionally I'll take a flyer on an undervalued stock but on the whole I prefer the steady and reliable.
Amateur investor, fell into managing my own retirement portfolio after dissatisfaction with the repeated rebranding of my investment brokerage in the consolidation of the investment banking industry and stagnant investment performance. I ran the list on sources of advice, have taken to listening to selected voices in SA and a few proprietary sources of investment data.
Out of necessity and desperation, a new hobby has grown, but with the underlying compulsion to secure a safe retirement.
I have settled on a dividend growth strategy in a broad sense, as a means to focus my attention on companies who have a track record of growth in both revenue and payment to owners, as well as to assist me in assessing value at purchase.
Individual investor looking after the family portfolios.
Dividend and Income Growth: ABBV, ABRPRA, BBL, BNS, BP, BXMT, CAT, CCP, CLDT, CSCO, CVX, D, DOW, EMR, EXC, F, GE, GPT, HP, IBM, JPM, KO, LADR, LTSPRA, LXP, MAIN, MAT, NLYPRC, NRE, NRF, PG, PKG, PRU, RASPRA, RDSB, SDRL, SO, SOUHY, STAG, STWD, T, TUP, VTR, VZ, WDR, WEC, WFC, WMT, WPC, XOM (started in July 2014 buying only when fair value or better is present, with a minimum 3% YOC at purchase or in sight with next dividend increase; portfolio YOC of 5.30%, Beta of .687).
Dividend Tracking: SCHD (used to compare against results of the Dividend and Income Growth portfolio).
My IRA: IVOG, POAGX, SPAXX, VASVX, VDIGX, VGHCX, VWIGX (experiment in active management following the Growth Model portfolio by Vanguard guru Dan Wiener; MRD in 11 years).
My wife's IRA: AAPL, AMGN, BRKB, CMI, DLR, FBALX, HCP, HTA, JCI, JNJ, KMI, MPW. OPK, PFF, RS, RZG, TAREX, UNP, USB, UTX (evolving into growth and income strategy - won't need income or cap gains until MRD in 15 years).
LEGACY: AXP, COH (shares acquired through stock option exercises - heavy capital gains - holding on and tracking separately - no new buys for either as they are both out-sized positions).
Over time I hope to learn the value of different strategies by monitoring and managing these portfolios.
Jason has been writing financial research articles since 2011. He started his career in the financial services world dealing with retirement planning for individuals and small businesses. Later, he would spend several years in the CDO market.
I am a wedding planner living in the Vancouver B.C. area who became environmentally aware as a result of the oil spill in the Gulf Region. I believe the world must end its dependency on oil and I look for investments that are home runs in solar, clean tech, wind energy and technology.
I had a 23-year career working as an editor in newspapers and in new media. When I was laid off in 2009, I rolled over my 401K into my IRA happy that, at last, I was now going to have more control over my retirement investing. Little did I know at that time that being axed was going to be one of the best things that has ever happened to me, especially from an investment standpoint.
A big reason why I decided to focus on dividend investing is because I wanted to compensate via dividend reinvestment the contributions I wasn't going to be able to make to my retirement account. I was assuming the worst, that I would not work in the news business ever again in the same capacity. Thus, in no way would I be able to sock away the maximum contributions per year as I had done in the past. I have been a prodigious saver in the tax-advantaged accounts through my jobs (when available) and in my personal retirement account, thanks to advice from my dad when I first began my news career in 1986. I remember laughing at his claim that investing $2K a year in an IRA could mean so much down the road! I'm glad I listened, though.
I have learned a lot here at SA, first stumbling onto one of David Crosetti's great dividend-growth investing columns in late 2010. He really got me inspired. I believe I found SA through a Google search. I have also learned tons from Chowder, Archman Investor, Bob Wells, Chuck Carnavale, David Van Knapp, David Fish, Eddie Herring, Mike Nadel, Tim McAleenan Jr., Brad Thomas, as well as others. I have also learned a lot from the MPT folks, such as Dale Roberts.
I have slowly dissolved most of my mutual funds and and have been extremely tickled with the results. I have made several mistakes on the way and have learned a lot from them. I took an investing course and just finished one on accounting. I will start Excel 2013 in the next month or so, as well as another accounting course. I have read a couple of books, including "The Single Best Investment." "The Intelligent Investor" is next. I realize I still have a lot to learn. Like many others on this site, I wish I had started the dividend journey a long, long time ago. Maybe I could've been retired by now. Heh.
My portfolio consists of mostly dividend growth stocks, spiced with REITs, pipelines, BDCs, CEF and several Canadian holdings.
My big goal is that, come retirement time (anywhere from 10-12 years from now) I would be able to generate the final salary (via dividends, SS and a very small pension) that I would have earned had I stayed on with my former employer. I have created spreadsheets and have been able to calculate a decent guesstimate as to what my salary would have been from now through past age 65. This would be a much more meaningful measuring stick for me than beating the S&P, for example. So many middle-aged people lose their jobs and never rebound financially.
Amazingly, at least to me, it does seem that I am well on my way to accomplishing my goal and then some. This, despite having been unemployed for 15 months and then taking a job outside my field at less than half my former pay. This year (2014) could be the first that I won't be able to max out on my Roth IRA. I am considering taking my pension early and investing it in my Roth. I find my current job in the health field extremely rewarding and much, much less weird politically so I would ideally like this to be the last job I would need for income.
My husband, when told about the strong likelihood I would reach my retirement income goal, responded dryly, "Maybe you should have (been axed) sooner." It would be great to be able to look back on that statement and realize that he had a point. Life's twists and turns.
I have been contributing to my 401k with a 5% company match for my entire working career. I started my Roth IRA and also 2 after tax accounts with Ameritrade and TradeKing last year and I am beginning to invest in mostly dividend paying stock and some ETFs for the long term. My goal is to invest now and have a steady income stream for when retirement comes. I have about 25 years until 60 and I do not want to count on social security to for my retirement.
31 year old dividend growth and value investor. Began reading SA in 2011 and have been developing a long-term goal for reliable income and dividend growth during retirement. Positions: PM, GIS, KO, AFL, XOM, AAPL, T, DUK, BP, O, V, CVX, MCD, SO, JNJ, PG, KMI, HSY, MAIN, WFC, WMT, RDS.B, MO, HKC, LMT, GE, NSC, PEP, VZ, MA, SBUX, IBM, DE, DIS, DEO, UNP, GILD, BRK.B, VTR, KR, SWH, GOOG