Follow the dividend investment decisions of a person who has no background in financial investment and wishes to take control of their financial future to retire at 60.

Weekly Portfolio Summary - 09 Feb 2019 12:08

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Portfolio Activity

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Portfolio News - (In Case You Missed These Headlines)

Armanino Foods of Distinction (AMNF)

Brookfield Renewable Partners (BEP)

General Motors (GM)

Hasbro (HAS)

Leggett and Platt (LEG)

Medical Properties Trust (MPW)

Procter & Gamble (PG)

Prudential Financial (PRU)

Prospect Capital (PSEC)

Phillips 66 (PSX)

Westwood Holdings Group (WHG)

Weyerhaeuser (WY)

Interesting Blog Posts or Articles

Not a lot of articles this week as most folks were busy posting their monthly results. For a summary of monthly dividend income checkout the well maintained page at our fellow blogger’s site Dividend Driven - Comments: 0

6 Dividend Stocks With a 30-Year Streak of Increasing Their Payouts Higher Than Inflation - 07 Feb 2019 22:42

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1. AFLAC Inc (AFL)

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Inflation Beating Streak: 31 Years
Yield: 2.23%
Payout Ratio: 29%
Most Recent Dividend Increase: 3.85% / Jan 2019

2. Automatic Data Processing Inc. (ADP)

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Inflation Beating Streak: 35 Years
Yield: 2.17%
Payout Ratio: 77%
Most Recent Dividend Increase: 14.49% / Nov 2018

3. Coca-Cola Company (KO)

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Inflation Beating Streak: 34 Years
Yield: 3.16%
Payout Ratio: 142%
Most Recent Dividend Increase: 5.41% / Feb 2018

4. Johnson & Johnson (JNJ)

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Inflation Beating Streak: 38 Years
Yield: 2.73%
Payout Ratio: 64%
Most Recent Dividend Increase: 7.14% / Apr 2018

5. Medtronic (MDT)

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Inflation Beating Streak: 36 Years
Yield: 2.25%
Payout Ratio: 49%
Most Recent Dividend Increase: 8.7% / Jul 2018

6. Target (TGT)

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Inflation Beating Streak: 35 Years
Yield: 3.56%
Payout Ratio: 55%
Most Recent Dividend Increase: 3.23% / Jun 2018 - Comments: 2

January Dividend Income - 03 Feb 2019 21:19

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After 31 32 years of clocking in and out of work and religiously saving 10% annually every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

This month I made $2,915 a slight increase versus last quarters $2901. This was a marginal gain because of two factors. First is the lack of monthly income from my ETFs which make a double distribution payment in December and nothing in January. The second factor was the sale of Versum (VSM), Keurig Dr. Pepper (KDP), and Analog Devices (ADI). All three stocks were acquired from buyouts or spin-offs, however, their position in my portfolio was so small that it was becoming a labor to track all three so I decided to cut them loose. These sells reduced my January income by $17.

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Looking at my 3 year goal metric I improved my percent complete by 0.85% from last month and puts me back on target not just for my 3 year goal but also my annual goal of increasing my forward dividend by 12.5%.

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Back in November I posted about refining my goals and after analysis I discovered that I needed additional emergency cash and needed to save a minimum of $2,000 a year or $170/month until I retire. Well unfortunately I did not start this new goal well and saved a big fat $0 goose egg.

The only consolation is that the funds were used to avoid credit card debt of which I am proud to say that I have now achieved 5 full months of carrying no credit card debt. - Comments: 0

Inflation Beaters Index Updated! - 03 Feb 2019 00:56

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The Inflation Beaters Index has finally been completely updated to reflect all 2018 dividend growth and inflation data. Below is a summary of the update, and hopefully useful to fellow investors.

2018 Average Inflation Rate 2.45%

The final inflation came in at 2.45% and was the highest rate since 2011. This may seem pretty tame but it still takes a bite out of growth.

Take for example AT&T (T) which increased its dividend from $2/share to $2.04/share. This recent increase extended T’s impressive continuous dividend growth to 35 years and cementing it as a dividend aristocrat. However if we adjust the increased dividend for inflation, the annual dividend actually shrank to $1.991/share or -0.45%. This makes that aristocrat status look a bit tarnished.

Changes to the Inflation Beaters Index

Hers is a quick metric summary of the components of the champion (25 or more years) and contenders list (11 to 24 years):

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Weekly Portfolio Summary - 02 Feb 2019 12:32

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Portfolio Activity

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Portfolio News - (In Case You Missed These Headlines)

Camden Property Trust (CPT)

Chevron Corp (CVX)

Iron Mountain (IRM)

Medical Properties Trust (MPW)

Pfizer (PFE)

Prudential Financial (PRU)

Qualcomm (QCOM)

Ryder System (R)

Sabra Healthcare REIT (SBRA)

AT&T (T)

T. Rowe Price (TROW)

United Parcel Service (UPS)

Weyerhaeuser (WY)

Interesting Blog Posts or Articles

Being a FIRE Millionaire Doesn’t Mean You’re Rich by Route to Retire

Here's the Difference Delaying Retirement by 6 Months Can Make
Are you ready for early retirement or just kidding yourself?
What 401(k) Savers Don’t Know About Their 401(k)s - Comments: 0

Anti-FI/RE Movement Becoming Annoying or Is It Me? - 30 Jan 2019 20:28

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The FI/RE movement has garnered so much attention the last couple years that it has spawned a new Anti-FI/RE Movement among financial professionals. Over the last two months I see at least one article per week condemning those attempting to achieve financial independence.

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At first it was amusing how bi-polar the financial media has become. It was not that long ago when the financial media machine was telling the world (and still does to this day) that people are not saving enough and everyone’s retirement is in danger. Then along comes a group of people who do exactly what they were preaching by busting their backsides, saving/investing like mad and creating a big pile of money or passive income flow. Once they have a pile of money they decide hey I think I can try this financial independence thing and then financial professionals jump all over them that what they are doing is wrong. Which is it? Save money and retire or don’t?

Personally I neither support nor condemn folks that embrace the FI/RE movement. If you desire to sacrifice, work your tail off, save money and try financial independence then good for you. If it doesn’t work out they’ll just have to pull themselves back up, learn from their mistakes and work hard to get back on track. One trait I see among everyone in the FI/RE movement is that they are not lazy! These folks hustle like mad and I’m sure they would pour that same energy into fixing any planning mistakes they made. As for me, my plan since I was 18 was to retire at 60 (I’m 50 now). I have no clue if that makes me part of the FI/RE movement and it doesn’t matter. Regardless of my status there was one recent article I found mildly offensive on the topic:

9 REASONS WHY YOU’RE BETTER OFF RETIRING LATE by financial columnist Brett Arends

Being that the source is a financial expert I thought the article was incredibly irresponsible to readers and does more harm than good.

The gist of the article is a milder passive aggressive version of Suze Orman’s attack on the FI/RE topic. Granted this article was labeled as an “Opinion” piece but since the author has a significant financial background I hold him to a higher standard. I am sure he wrote the article with good intentions but his emotions seemed to get the better of him. The message in the article is that you should delay retirement as long as possible or better yet never stop working to avoid financial, mental and social catastrophes and this is where it gets dangerous. A reader might construe this as being if you try to retire you will fail so your best option is to not focus on saving or retirement but focus on working because its better for you! Yipes! I'm sure this is not what the author intended.

If this author was genuinely concerned for his readers then it should have been more like “Make a financial plan to retire early but plan on working as long as possible”. This could then be served up to address how people have to enter into an unexpected early retirement for a multitude of unplanned events such as; physical inability to work, forced retirement, or to take care of a family member and to be financially prepared if one of these unfortunate events happens. But no, he had a passion to dismiss FI/RE and couldn't focus the article into something useful.

I usually dismiss these types of articles and not sure why this article rubbed me the wrong way. Maybe I’m just having a bad hair day and should cut cut him some slack, on second thought…NAH! - Comments: 0

New Buy R - 17 Jan 2019 20:08

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On Tuesday I increased my position in Ryder System (R) at a price of $51.96/share and a dividend yield of 4.2%. This new purchase will increase my forward annual dividend income by $54.

For those not familiar, Ryder System provides transportation and supply chain management solutions worldwide. The company operates through three segments: Fleet Management Solutions (FMS), Dedicated Transportation Solutions (DTS), and Supply Chain Solutions (SCS). Ryder System also has a 15 year dividend growth history and a 13 year inflation beat record and a 10 year dividend growth rate of 8.76% with its most recent 3.85% increase announced back in July. - Comments: 0

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