An independent investor. At age 56, I retired in 2015 and I'm looking forward to what lies ahead. After 34 years of working for a global Dividend Aristocrat and traveling internationally for the last 15 years, I now have the time to do the things I want to do on my schedule. From an investment standpoint I have been navigating the maze of stocks, bonds, and mutual funds for over 30 years and during that time I have learned a lot. Generally, it's been a good ride, and hopefully I have learned from my mistakes. I am currently focused on transitioning my existing stock portfolio to build out a DGI portfolio which will provide additional income in retirement. Current stock positions include: T, JNJ, GILD, MMM, BAC, USB, C, CMI, O, MBLY, PG, HD, XOM, AZO, BX, UNH, V, SWN, MO, GE, and FAST.
I am a just a regular recently retired guy. My occupation was not associated with the investment world. My investment theory is that by executing my own trades, if I earn what I would have paid in commission then my trade is a success. I have learned that the buy decision is easier than the sell decision; that emotions overwhelm decisions to sell, paricularly in the face of loss; that professional investors know more than the individual investor; that the "quants" of the world have bankrupt the American Republic; and that one pays for every lesson learned and usually the learning comes from loss. I have also learned that government is woefully inadequate to protect the public.
I have futher learned that those who present "any" investment described as a "complex" trading maneuver devised by the "few" who understand intrictate relationships of various parts of the market are thieves.
Buy stock of companyies that make or own things that others use; that have a history of earnings growh, low debt to equity ratio and a history of dividend growh.
I view dividends as a mirror of the ability of company's management to deploy resources to produce earnings. Executive compensation must be aligned with shareholders interest.
I am a busy surgeon with a particular interest in personal finance and investing. My father, a retired financial advisor, taught me discipline and the power of dividends and compound interest. I do not feel it is necessary to employ expensive, self-motivated brokers or managers to invest one's money.
Retiree. 38 years of amateur investment experience. No professional education or experience in finance or economics. Educated mostly in political science (Ph.D., 1974), which has produced no measurable impact on my income or understanding. My primary interests (as an investor) are related to strategies for dealing with risk and uncertainty.
A mid -life investor , investing in stocks since October 2014, in Taxable, and 401ks. DGI remains the core, with ever larger forays into Income Growth/High Yield Rental Real Estate, Smaller Local Bank plays CURRENT HOLDINGS: Banks : Canadian: BNS BMO CM TD RY Australian : ANZBY NABZY WBK HSBC Insurance : AEG AFL BCRH TRV Money Managers: BEN ROW Alternatives: BX Reits: Healthcare: HCP OHI VTR SBRA MPW SNH Triple Nets: O WPC LXP CORR SRC Industrial: STAG DLR Apartments: IRT WSR GOV Canadian REITs : Integrated: Artis Retrocom Northern Property BTB Office- Dream-Office, Dream Global Cominar Industrial- Dream industrial Hospitality: American Hotel income Properties Temple Hotels Healthcare: Northwest , Medical Facilities ( DR.UN) Real Estate Services: BRE Utilities : SO NGG PPL D BUI DPG UTF mREITs : MORL, REM, EFC, AI NRZ Commerical mREITs: STWD BXMT BDC: HTGC BDCL Healthcare: AZN ABBV AMGN BAX BXLT CELG GILD GSK JNJ Integrated Oil: BP CVX OXY RDS-B STO TOT XOM MLPs: MLPL AMZA KMI OKE WMB SE Upstream : VNR LNCO MEMP COP Midstream: EPD ETP OKS Downstream: NTI CVRR CLMT Misc. MLPs : ARLP CCLP HCLP UAN Oil filed Services : HP NOV ESV SDRL NADL Canadian Oils: PGH CPG SU HSE Canadian Midstreams: ENB IPL PBA VET Agriculture: AGGZM CEFs : CEFL DVHL Equity: JGV AOD Option/ROC CEFs: BXMX DIAX QQQX ETY Floating Rate: EFF PFN Real Estate : IGR PGZ AWP Fixed Income : PCI Utilities/Infrastructure BUI UTF DPG IFN Preferreds: JPS JPC DFP Microcaps: RVT Healthcare: THQ GRX Option/ROC CEFs : JGV, DIAX, BXMX, QQQX, ETY TAL, TGH Technology: AAPL MSFT QCOM HTGC INTC STK Transports: CHRW GBX Rails: CNI NSC UNP Shipping /LNG: DLNG CPLP GMLP SFL NMM KNOP Containers: TAL TGH SSW Retail: TJX WFM WMT COST Infrastructure: BIP BEP INF Industrials: CAT CMI DOV EMR GE MMM BA LMT Commodities: BBL SOUHY POT Consumer/Discretionary : PM KO PEP PG UL GIS HSY NSRGY KHZ DIS NKE MCD YUM MAT HAS LVS DEO Telecoms: T VZ BCE Small caps : STB TIS JMP FXL.AX ETFs: SDIV DWX Muni CEFs: BTA VKQ VGM NQM NIO MHI Misc: AGNC-B
An individual investor focused on preservation of capital and generating dividend income. My strategy is to invest in quality, dividend paying companies, with simple business models, and, a long track record of increasing dividends. Like Nick Murray, I'm a believer in diversification, but not in asset allocation. I'm long 100% equities, all the time. I can live with any amount of volatility if I'm in quality companies. Since I live off dividends, the prices at any particular moment don't rattle me.
David Fish's CCC list is my primary watch list. The quality of the business model (simplicity, tenure), earnings track record and valuation are key principles in my book. Free cash flows and payout ratios are very important metrics.
When I first started investing in 1990, I gravitated to DGI - a book called "dividends don't lie" influenced me. I did not have a single losing position in 10 years. Then, I learned an expensive lesson in 2002 (60% loss of net worth at that time) when I lost my way and got into momentum/technology stocks. I lost track of understanding WHAT I was buying and HOW the company made it's money. I will never deviate from buying quality companies that have a long track record of paying dividends, at value, since I paid a high price to gain that knowledge.
A critical insight -- it is better to pay a fair price for an excellent company than an excellent price for a fair company (Buffett). I buy companies that I'd buy more of if prices were to drop. A second one, is to have a long term orientation (Klarman). In other words, buy and hold, allow compounding to work, and try not to "market time". SA DGI leaders such as Chuck Carnevale, Chowder, David Fish, David Van Knapp, Tim McAleenan, Part Time investor, Sure Dividend and several others have influenced my thinking.
It is not an exaggeration to say that SA has impacted my life. I'm a first generation American, and am very grateful for the opportunities provided by my adopted country.
35 companies make up 72% of my portfolio. In descending order of size - Proctor & Gamble,Johnson & Johnson,Verizon,Cocal-Cola, AT&T,United Technologies,Exxon Mobil,Diageo.Kimberly-Clark,Hershey, Kraft Heinz
McDonalds Pepsico Unilever Chevron Wal-Mart Emerson Electric International Business Machines Phillip Morris Cummins General Electric
Nestle Disney Microsoft Cisco 3M Helmerich Payne GENERAL MILLS United Parcel Service QUALCOMM W P CAREY Wells Fargo Archer Daniels Midland Oracle Apple. All but three are rated as narrow or wide moats.
The other holdings are mini-ETFs (for example, 11 REITS that I treat as 1 diversified company).
The remainder, ~14 companies, (examples include: Ambev, CAT, DE, DVN, MUR, MRO) are ones I will slowly sell of and re-invest into my core holdings.
As of May 1, 2016 (aged 57 years) I have retired and live off my dividends.
High Quality, Dividend Growths Stocks with a minimum Yield of 3.00 %.
Rather rarely Stocks with higher growth and low Dividend Yield.
Time horizont: Longterm >20 years
Current holdings: MO, PM, NSRGY, PG, UL, KO, BUD, DEO, GIS, JNJ, XOM, CVX, RDS.A, MCD, T, VZ, VOD, GSK, QCOM, SAP, SIEG, O, SO, GE, SIEGY, GILD, MA, V
I´m 45 years young and dividends are 60 % of my monthly disposable income. The other 40% is coming from propery rentals. I have no working income and no pension. It is only sometimes possible to reinvest my dividend because usually I need them for covering living costs.
My financial situation is similar with retired people when they are very much dependend on the dividends for covering living costs.
Ex-pat living and working in the Asia-Pacific region since 1999. I have travelled from Saipan to the Maldives and most countries in between which may have contributed to giving me a different perspective compared to some.
10-15 years from harvesting phase, but have the added complexity of a single-income household with a wonderful young family (pre-school). I have an aggressive savings plan and selectively plow savings and dividends into “best value” stocks roughly each month. Mainly a DGI investor, but have a few growth stocks and a very small speculative portion.
Core positions include: RDS.B, T, JNJ, PG, KO, AAPL, KMI, BCE.TO, CHL, XOM, BA, NVO, GIS, KHC, VZ, TD.TO, LMT, CL RY, ABBV, GILD, OHI, O, INTC, MO, SO, D, MMM, HNP, SBUX, UNP
Investor in dividend stocks with a promising future ;-)
ABT, ADM, BBZ, BDX, CSCO, D, DE, FLO, GE, GIS, GPC, HASI, HD, HRL, IBM, JCI, JNJ, KHC, KO, LMT, MSEX, MSFT, MMM, MO, OHI, PAYX, PEP, PFE, PG, SO, QCOM,T, TGT, THW, UN, WMT, WTR
I am in my mid 30s and just beginning our process. On Jan 2, 2013 I bought my first ind stocks converting from 2 Vanguard funds. We would like to create an income stream of $36,000 a year asap to retire. We have to start slow due to earlier decisions relating to money. My family and I are currently paying off all debt and we will have little left over per month for a few years. At that time we plan on having several hundred per month to invest in more income producers.
Current holdings: GE, KO, PFE, O, XOM
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
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