Tag Archives: wmt

Monthly Investing Recaps: August 2014

At the start of each month I detail all the buy/sell activity here for each of my 3 individual stock portfolios: Loyal3, Roth IRA, and Taxable Brokerage accounts. It’s just one way I am chronicling my journey to financial independence here at Starting From Zero.

In addition to these 3 accounts, I also continued investing in my Thrift Savings Plan (TSP) again this month. Right now I’m contributing 4% of my base pay but may adjust this in the future. The majority of my investing will still be in my taxable and Roth accounts. The TSP is basically a 401k plan for federal employees including the military. It only offers index funds but does have probably the lowest expense ratios around, even lower than Vanguard. Right now I’m putting my contributions in the C Fund which mirrors the S&P 500 and the S Fund which is a small cap index fund. Since these deposits typically take a while to reach my account, I won’t be detailing those transactions here.

Loyal3 Account

Buys

1.0686 shares of McDonalds (MCD) @ $93.58 per share.

.5314 shares of McDonalds (MCD) @ $94.10 per share.

1.0668 shares of McDonalds (MCD) @ $93.73 per share.

2.5164 shares of Coca-Cola (KO) @ $39.74 per share.

.8351 shares of Target (TGT) @ $59.87 per share.

1.3354 shares of Wal-Mart (WMT) @ $74.88 per share.

1.3204 shares of Wal-Mart (WMT) @ $75.74 per share.

Quick Hits: With too much time spent on school work this past month, I only made some small purchases through this account throughout the month. I plan on continuing to dollar cost average into KO anytime the stock dips below $40. With WMT, MCD and TGT all presenting good value at different times throughout the month I also continued dollar cost averaging into those stocks.

 

Roth IRA

Sells

.539 shares of RDSA @ 80.54 per share=$43.41. Realized gain of $4.71.

Quick Hits: I currently hold both my taxable brokerage and Roth IRA through my bank’s brokerage service. They recently  converted their brokerage service to a separate company and any holdings that were less than 1 share were automatically sold. Since dividends from Royal Dutch Shell’s class B shares (RDSB) can only be reinvested into class A shares (RDSA), this is how I ended up with a a fractional amount.

 

Taxable Brokerage

No activity this month.

 

Full Disclosure: I am long MCD, KO, TGT, WMT and RDSB. This post is not intended to be a buy or sell recommendation for any stock mentioned and is intended for educational/entertainment purposes only.

How was your August for investing? What do you think of my stock picks this month? Share with a comment below and thank you for reading!

Monthly Dividend Income: June 2014

My favorite post to write each month. 🙂 This is when I get to share all my dividend income for the previous month. These dividends are what I’ll eventually use to live off of when I become financially independent.

I share these figures along with monthly income/expenses to not only track my progress towards financial independence but also to hopefully show others that it is possible to get started with dividend growth investing with a low income. The hardest part is weathering the first few years of small dividend payments and allow the compounding snowball to get rolling.

Here is June’s dividend income from my 3 stock investment accounts: Roth IRA, Loyal3, and Taxable Brokerage. I automatically reinvest all dividends in my Roth and selectively reinvest dividends, combining them with fresh capital every month or two, in my other accounts.

Roth IRA

Aflac (AFL): $8.14-reinvested into .132 shares @ $61.33 per share.

Visa (V): $2.80-reinvested into .013 shares @ $211.80 per share.

Chevron (CVX): $10.97-reinvested into .087 shares @ $124.77 per share.

Realty Income (O): $2.84-reinvested into .065 shares @ $43.67 per share.

Royal Dutch Shell Class B and Class A (RDSB and RDSA): $13.51-reinvested into .171 shares of RDSA @ $78.90 per share.

Loyal3

Target (TGT): $5.55

McDonald’s (MCD): $2.51

Taxable Brokerage

Wal-Mart (WMT): $0.96

Chevron (CVX): $5.35

IBM (IBM): $9.90

Target (TGT): $0.86

Realty Income (O): $19.89

BP (BP): $9.95

June Total: $93.23. Getting so close to that $100 mark! Maybe in September when all these companies pay out again. 😉 At the half-way mark of the year I’ve now earned $387.93 for the year.

 

Full Disclosure: I am long WMT, CVX, IBM, TGT, O, BP, AFL, V, RDSB, RDSA, and MCD. This post is not intended to be a buy or sell recommendation for any stock mentioned and is for entertainment/educational uses only.

How was your June for dividend income (or portfolio gains for any growth investors)? Share below with a comment and thanks for reading!

Sunday Morning Reading: July 6, 2014

Good morning! I hope all of you had a good week and are enjoying the holiday weekend.

Things have been pretty busy here over the last few weeks as I have spent most of my time looking for apartments downtown as I get closer to moving out of the dorms here on base. Good news is I managed to find one at the end of this week that is both fairly close to work and reasonably priced so that I can hopefully continue to maintain a high savings rate.

And now on to some of my favorite posts from around the web that I’ve read recently.

Fortunes Are Built By Being Exceptional In One of Three Ways by The Conservative Income Investor. Great post by Tim detailing 3 of the main ways to build long-term wealth through stock investing. With an investment in Visa, a relatively high savings rate (percentage wise), and a long-term horizon before early retirement, my strategy has elements of all 3 but Way #2 is what I hope will ultimately allow me to retire early.

Can everyone achieve financial independence with Dividend Paying Stocks? by Dividend Growth Investor. DGI provides a good overview of how to be successful with dividend growth investing. The first step of spending less than you earn and living within your means is a very important one and shouldn’t be overlooked when considering investing. This ties directly in with Way #2 in Tim’s article above.

Growth Update: June 2014 by My Dividend Growth. Ryan shares his portfolio progress for the month of June. With only half of the year complete he has already almost hit his goal of $17,500 in new funds invested. That’s like maxing out your 401k in 6 months! Awesome stuff.

Long Term Mindset Portfolio-Purchase 008-Mastercard by Long Term Mindset. Brian shares his latest portfolio purchase of Mastercard and provides an analysis of the stock. As a big fan of Visa, I may have to take a look at MA next. Similar to Visa, Mastercard has high margins and plenty of room to grow. Although a low yielder, MA does have the potential to offer very large dividend increases going forward as well as large capital gains.

Ten Spot Friday-3 Reasons For Wal-Mart (WMT) by Dear Dividend. DD gives an overview of why he thinks Wal-Mart is a good investment at current levels and why he will be using Loyal3 to buy some stock. After putting money into Target over the last 6 months through Loyal3 I may take a look at Wal-Mart for a purchase later this summer.

Sporting World Dividend Investing by DivHut. Keith continues his series of dividend growth stocks with a look at companies in the sporting goods industry. As a fan of Peter Lynch’s philosophy of buying what you know, Nike has always intrigued me as a potential dividend growth investment. Although as Keith points out, the stock has run up quite a bit here with a P/E of 26 and forward P/E of 22. On the other end of the valuation spectrum is Dick’s Sporting Goods (DKS) which a P/E of only 16.6. I’m familiar with the company after frequenting their stores a lot while growing up on the east coast so I’ll have to take a look at DKS as well.

Financial Books Everyone Should Read by Julie @ Millennial Cents. Julie shares 6 financial books to put on your reading list for the summer. Great picks for anyone interested in personal finance. To her list I’d add Rich Dad, Poor Dad and The Single Best Investment as two books I really enjoyed and think those starting out with investing and in particular dividend growth investing should read.

Hope you enjoyed these posts from around the blogging world. Have a great week everyone!

Disclosure: I am long Visa (V) and Wal-Mart (WMT).

Monthly Dividend Income: April 2014

My favorite post to write each month. 🙂 This is when I get to share all my dividend income for the previous month. These dividends are what I’ll eventually use to live off of when I become financially independent.

Here is April’s dividend income from my 3 stock investment accounts: Roth IRA, Loyal3, and Taxable Brokerage. I automatically reinvest all dividends in my Roth and selectively reinvest dividends in my other accounts.

Roth IRA

Coca-Cola (KO): $4.33-reinvested into .111 shares @ $38.79 per share.

Realty Income (O): $2.81-reinvested into .067 shares @ $41.67 per share.

General Electric (GE): $5.81-reinvested into .217 shares @ $26.77 per share.

Loyal3

Coca-Cola (KO): $4.56

Taxable Brokerage

Wal-Mart (WMT): $0.96

Altria (MO): $3.36

Philip Morris (PM): $5.64

Realty Income (O): $19.89

General Electric (GE): $1.76

April Total: $49.12. Not nearly as much as last month but still a huge improvement over the $5.85 I received last April. With 1/3 of the year down I’ve received $220.24 which puts me behind in reaching my goal of $1000 this year. I guess I underestimated how much I was going to be able to increase my dividend total this year, huh? 😉 Oh, well, as long as I am making progress.

 

Full Disclosure: I am long KO, O, GE, WMT, MO, and PM. This post is not intended to be a buy or sell recommendation on any stock mentioned and is designed to be used for educational/entertainment purposes only. Only you are responsible for your investing and I always encourage you to conduct your own research prior to investing. Please see my disclaimer page for more information.

How was your April for dividend income? Do you have any dividend income goals you are trying to reach this year?