Tuesday, December 13, 2016
Stock buy! O
Just got myself 55 shares of Realty Income Corporation (O) at the price of 55,95 USD per share. This buy will add 133,1 USD to my annual dividend income! Another cool thing about O is that it pays its dividends monthly.
Tuesday, December 6, 2016
Month summary: November 2016
At the start of every month I will make a small summary of my previous month. I will report my passive incomes and then will make a small summary what I think about the previous month, check for mistakes that have been made and how to improve my portfolio in the future.
Passive incomes:
Stocks- During the election prices dropped and I made 2 buys in the month:
40 shares of ABBV at the price of 53,48 EUR per share and I increased my position in OHI by buying 62 more shares at the price of 26,6 EUR per share, this buy helped me to average down the average price for the stock.
Dividends received:
AAPL 7,6 EUR
OHI 33,2 EUR
MAIN 10,4 EUR
OKE 18,2 EUR
HCP 15,41 EUR
STON 16 EUR
Total - 100,21 EUR
P2P lending- Didnt add nor withdraw any money, just reinvested the interests.
Mintos- 71,3 EUR (portfolio 6441 EUR)
Bondora- 8,55 EUR (portfolio 1075 EUR)
Viventor - 0,6 EUR (portfolio 53,17 EUR)
Real estate crowdfunding-
Estateguru- Didnt add nor withdraw anything, still waiting for my 2 loans to be paid back. Date for payment is around May-June.
Other investments: 32 EUR
All passive incomes combined: 213,26 EUR
Savings from income 88%
Stock portfolio market value 42513 EUR
Total value of portfolios combined 50532 EUR
Projected average monthly income after tax 269 EUR
Average savings % has risen as Im not using my car anymore and will probably sell it. I decided to use my bike for transport through the winter. We already had a lot of snow at the start of the month where I could try if its possible to ride my bike through the snow. Which is actually quite fun :)
I cycled a bit more than 300km with my bike during the month.
Thursday, November 10, 2016
Stock buy! OHI
After the election I increased my position in OHI. I bought 62 shares at the price of 29 USD per share which averaged my buy price down to 30,45 USD per share. This buy increased my annual dividend income by 151 USD. Now I own a total of 130 shares of OHI.
Hope you got some good deals as well :)
Hope you got some good deals as well :)
Tuesday, November 8, 2016
Stock buy! ABBV
Since the election has dropped healthcare section prices I got myself 40 shares of AbbVie Inc at the price of 59 USD per share. With a juicy 4,3% yield it increased my annual dividend income by 102,40 USD!
Now I will wait for the election results and depending on the prices I might buy something more. REITs are attractively priced at the moment, so maybe something from them. Id like to average down on OHI or maybe get into a new position and buy some shares of O. We will see after the election.
Now I will wait for the election results and depending on the prices I might buy something more. REITs are attractively priced at the moment, so maybe something from them. Id like to average down on OHI or maybe get into a new position and buy some shares of O. We will see after the election.
Tuesday, November 1, 2016
Month summary: October 2016
At the start of every month I will make a small summary of my previous month. I will report my passive incomes and then will make a small summary what I think about the previous month, check for mistakes that have been made and how to improve my portfolio in the future.
Passive incomes: 89,22 EUR
Stocks- 10,11 EUR
MAIN 10,11 EUR
Only one stock paid me dividends this month, quiet month. But next year it will be better as I bought some shares of KO in September, too bad that I bought them after the ex div date so I didnt get any dividends yet. In October I got myself 40 shares of Altria (MO) for the price of 61,7 USD per share. This buy added 97,6 USD to my annual dividend income, I bought them after the ex div date so I didnt get any dividends in this month. There was also a dividend cut from STON, they cut their dividend 50% which decreased my annual dividend income by 112,2 USD. Bad news but another example that you shouldnt chase the yield, if its too high then a dividend cut in the near future is very likely to happen.
P2P lending-
Mintos- 69,04 EUR (6342 EUR in platform)
Bondora- 9,6 EUR (1097 EUR in platform)
Viventor 0,47 EUR (52,29 EUR in platform)
Didnt add nor withdraw any money from P2P platforms, just reinvested the interests.
Real estate crowdfunding-
Estateguru- 0 (470 EUR in platform)
In Estateguru I have invested in 2 loans which will be paid back with interest in 2017 spring/summer.
Savings from income 88,5%
Stock portfolio market value 37 184,99 EUR
Total value of portfolios combined 44 676 EUR
Projected average monthly income after tax 243 EUR
Overall the month was great. I havent used my car since August and it has improved my savings rate. Im actually planning to sell my car and commute with my bike through the winter. It will be harder with all the snow but I just need to get out of my comfort zone :) Im sure that its much more fun to cycle in snow than sit behind traffic lights and constantly look at the car in front of me.
In October I cycled for transport (not including training distance) 282km + around 30-40km total for smaller rides. I got an interesting thought from the book Early Retirement Extreme that cycling is used for transport and recreational use but running is seen only as recreational only, why not run as a way of transport. So I tried it on the last day of October, I ran 3,6km (1,8+1,8km) as a way of transport (average speed was 12kmh compared to 23-26 with commuting bike) and I will use it more in the future :) I mostly train on bikes and in the gym but this is a great way to improve my running ability.
Passive incomes: 89,22 EUR
Stocks- 10,11 EUR
MAIN 10,11 EUR
Only one stock paid me dividends this month, quiet month. But next year it will be better as I bought some shares of KO in September, too bad that I bought them after the ex div date so I didnt get any dividends yet. In October I got myself 40 shares of Altria (MO) for the price of 61,7 USD per share. This buy added 97,6 USD to my annual dividend income, I bought them after the ex div date so I didnt get any dividends in this month. There was also a dividend cut from STON, they cut their dividend 50% which decreased my annual dividend income by 112,2 USD. Bad news but another example that you shouldnt chase the yield, if its too high then a dividend cut in the near future is very likely to happen.
P2P lending-
Mintos- 69,04 EUR (6342 EUR in platform)
Bondora- 9,6 EUR (1097 EUR in platform)
Viventor 0,47 EUR (52,29 EUR in platform)
Didnt add nor withdraw any money from P2P platforms, just reinvested the interests.
Real estate crowdfunding-
Estateguru- 0 (470 EUR in platform)
In Estateguru I have invested in 2 loans which will be paid back with interest in 2017 spring/summer.
Savings from income 88,5%
Stock portfolio market value 37 184,99 EUR
Total value of portfolios combined 44 676 EUR
Projected average monthly income after tax 243 EUR
Overall the month was great. I havent used my car since August and it has improved my savings rate. Im actually planning to sell my car and commute with my bike through the winter. It will be harder with all the snow but I just need to get out of my comfort zone :) Im sure that its much more fun to cycle in snow than sit behind traffic lights and constantly look at the car in front of me.
In October I cycled for transport (not including training distance) 282km + around 30-40km total for smaller rides. I got an interesting thought from the book Early Retirement Extreme that cycling is used for transport and recreational use but running is seen only as recreational only, why not run as a way of transport. So I tried it on the last day of October, I ran 3,6km (1,8+1,8km) as a way of transport (average speed was 12kmh compared to 23-26 with commuting bike) and I will use it more in the future :) I mostly train on bikes and in the gym but this is a great way to improve my running ability.
Thursday, October 6, 2016
Stock buy! MO
I just bought 40 shares of Altria (MO) at the price of 61,7 USD per share with a 4% yield. This will boost my annual dividend income by 97,6 USD!
Altria Group Inc. is a strong dividend champion that has been paying dividends for 47 years straight and the average dividend increase has been 10,7% for the last 15 years.
Tuesday, October 4, 2016
Month summary: September 2016
Weather is slowly getting colder and colder but on the bright side the stock prices have dropped a bit compared to summer months.
In stocks I bought 60 shares of Coca-Cola (KO) at the price of 42,67 USD per share which added 84 USD to my annual dividend income.
Dividends were paid by 6 different companies (all payments were in USD but converted to EUR):
MAIN 9,58 EUR
CVX 15,46 EUR
F 15,98 EUR
IBM 18,1 EUR
TGT 13,24 EUR
FLO 24,38 EUR
Total 96,74 EUR
And the social lending platforms:
First my favourite one Mintos
Interest earned 64,34 EUR
and my current portfolio stands at 6264 EUR as I added another 300 EUR in there.
Plan is to slowly keep adding extra funds.
Bondora
Interest earned 8,44 EUR
Current portfolio is worth 1075 EUR
Plan is to reinvest interest but not add nor withdraw anything.
Viventor
Interest earned 0,45 EUR
Current portfolio 51,82 EUR
Plan is the same as in Bondora, just to keep the money in and let it grow.
Estateguru
Interest earned 0 EUR
Current portfolio 470 EUR
That money is divided into 2 different loans which should be paid back with interest next year.
Total passive income for September was 185,97 EUR and the average monthly income so far this year is 203,5 EUR. Next year it should be easily over 300 which gives me level 1 financial independence! Meaning that my passive income will be able to pay for food and shelter / the basic needs.
In stocks I bought 60 shares of Coca-Cola (KO) at the price of 42,67 USD per share which added 84 USD to my annual dividend income.
Dividends were paid by 6 different companies (all payments were in USD but converted to EUR):
MAIN 9,58 EUR
CVX 15,46 EUR
F 15,98 EUR
IBM 18,1 EUR
TGT 13,24 EUR
FLO 24,38 EUR
Total 96,74 EUR
And the social lending platforms:
First my favourite one Mintos
Interest earned 64,34 EUR
and my current portfolio stands at 6264 EUR as I added another 300 EUR in there.
Plan is to slowly keep adding extra funds.
Bondora
Interest earned 8,44 EUR
Current portfolio is worth 1075 EUR
Plan is to reinvest interest but not add nor withdraw anything.
Viventor
Interest earned 0,45 EUR
Current portfolio 51,82 EUR
Plan is the same as in Bondora, just to keep the money in and let it grow.
Estateguru
Interest earned 0 EUR
Current portfolio 470 EUR
That money is divided into 2 different loans which should be paid back with interest next year.
Total passive income for September was 185,97 EUR and the average monthly income so far this year is 203,5 EUR. Next year it should be easily over 300 which gives me level 1 financial independence! Meaning that my passive income will be able to pay for food and shelter / the basic needs.
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