My holding period just increased

3 months ago:

What have changed?
  • My $VOO trades has been reflected - 30 trades per month
  • Concentrated my position - removed $NUSI, $STAG, and $MMM
  • Initiated position in $HD
  • Traded 30% of $VICI for 15% profit
  • Doubled down in $U (hopefully bought and DCAed the dip) - resulting top 10 position % increment
  • Holding period increased from 7.6 months to 10 months thanks to long term holdings like $AAPL, $MSFT, $COST, $O and $NRZ

Future plans:
  • Increase holding period to 1 year+
  • Decrease the top 10 holding concentration and buy more into $HD and $WM
  • Keep 30 trades per month (buy $VOO daily)
  • Keep open position close to 15
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This is awesome - thanks for sharing!

Concentrating a portfolio is hard work.
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Why I like dividend growth investing and you might too...
I have been a dividend investor for more than 20 months now and I was able to build a portfolio of over $350,000. Now the portfolio is hovering around $300,000. YTD my portfolio is down around 13% and wrecks my heart as my portfolio is going down everyday. There are times people in finance attack dividend growth investing at times for its focus on companies that payout dividends, and as it is passive form of investing - today I will try to defend DGI by showing how it's relatively good in all market conditions with a brief history and strategy of my portfolio. I look towards the positive side and why I choose Dividend Growth Investing in the first place.

πŸ’Έ Dividend growth investing in every market conditions
The market can go in 3 directions and here are the scenarios and why dividend growth investing makes the best out of every conditions assuming companies that you invested doesn't cut the dividends:
  • πŸ‘‰πŸ½ Sideways: If the price stays relatively flat, we can buy more of the shares at $100, and once the sideways movement ends the compounding will be greater as we accumulated more stocks at a small price.
  • πŸ‘‡πŸ½ Downwards: Let's say if the market goes down, we still are getting the dividends from stocks that we hold. So, we can accumulate more of the dividend stock at a lesser price. We are increasing the cash flow and buying more assets.We just have to play the waiting game for the market to go to the bull run for capital gains.
  • πŸ‘†πŸ½ Upwards: Although, our reinvested money won't be able to buy as much of the asset, we have both capital gain and dividends to re-invest.
πŸ“ Brief history of my portfolio
I have been building my portfolio for few 20 months now and I have recently crossed $16k in dividends πŸ₯³πŸŽ‰. Capital gains can vanish like how it did with my $U but companies won't ask the dividends back

My portfolio link: here.

πŸ™ˆ My strategy
I have concentrated down my portfolio into 3 parts in the hopes to achieve all the possible benefits of dividends and growth of dividend growth investing.
  • πŸ’° Income: I want my portfolio to earn as much as I can, so I can re-invest as much as I can. This is possible due to covered call ETFs with high dividend yields like $JEPI, $QYLD and $BST. These 3 income ETFs yield at an average of 10.15% and has an expense ratio of 0.6% (on the higher side). They generate over 60% of my dividend income while they are 35% of my portfolio. I don't expect significant capital gain from it.
  • πŸ’Έ Cashflow: While income and cashflow are similar, cashflow category consists of monthly dividend stocks that yields at lower rates and has capital appreciation. This includes stocks like $O, $STAG, $AGNC, $NRZ. They cover around 15% of the portfolio while generating around 20% of the dividends income.
  • πŸ’— Growth: For growth in both capital gains and dividend CAGR I have stocks like $AAPL, $MSFT, $VICI, $VOO (i am planning to increase my position), $HD, $COST, $WM and $JPM. Together they make 45% of the portfolio and generating 20% of the dividends. They have a 3 year - weighted CAGR of 8.28% and average 3 year CAGR of 9.68%.

This gives my portfolio a decent place to stand. It will generate around $1,584.67 (while my cost per month are barely over $300) per month at 5%+ dividend yield (good cashflow). It also has a beta of 1.000217417 where I will be making gains similar to market (which I am happy about) and the movement lets me sleep well in the night as well (not too crazy in comparison to other individual stocks), so I can expect to make around 8ish% per year in capital gains. And, best of all the dividend CAGR is at 12%. So, I will be increasing my dividend cashflow too. This might be too conservative for some and but this gives me everything I need - cashflow and peace of mind.

Investing is like having sex - very personal. Everyone follows different strategy, and has different goals. But, every now and then it's exciting to mix things up. So, you might want to give DGI a try, you might like it...

And my final attempt to convince you to try DGI...

If this magic trick doesn't convince you, idk what will haha
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Keep accumulating and building that passive income! Doing that now when things are down is much better for you long term if you stick to it! Congrats on the substantial portfolio.
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Stanley's avatar
$10.3m follower assets
Real Estate Summary for Week ending 6/3/22
Summary of my Real Estate activities for the week.

M1 Finance - 37 buys this week

Posted a loss this week on this REIT portfolio as 'Fat Cat Investing' is currently DOWN 1.59% for the week but still UP 2.62% overall since inception.

Concreit - received my weekly dividend payment of $0.1292 on deposits of $101.19 (including DRIP).

Both are a part of my ongoing "Real Estate Rumble"

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My holding period increase to 8 months!!! Yours?
When this cool feature started and I was sharing my average holding period was 7.6 month. Given the tinkering of the stocks from over 50 stocks to making it more concentrated, I think it was a fair amount. I also had average trades per month of 12.

Also, given I have been holding most of the stocks like $NRZ, $AAPL, $COST, $O and I have just been adding to those, I think it will keep increasing in the future. I think my number of trades per month will increase as I have been buying $VOO every single day.

This awesome feature adds a layer of transparency and it's awesome. Has there been change in your monthly average activities?
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Doing nothing over the past month has decreased my trades per month from 21 to 19 and my average holding period has inched up from 5.0 to 5.1 months.

If I stick to my plan, trades per month should continue to go down, and average holding period will go up!

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I am heavily invested in $NRZ and am planning to sell 25% of it and invest in the businesses I like the most like $COST. Here are my assumptions for the $NRZ investment that the price will be up to $15-$17:

  1. There was dividend cut during COVID last year by 90%
  2. Dividend will be reinstated to $0.5 per share (they have money to do so) - it has been reinstated to 50% of pre-COVID i.e. $0.25
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Let's talk about the losers!!! 😭
We often talk about only winners, and to the audience, it probably seems like every stock is gonna go up. And, when we disclose about our losing stock - we end up giving reasons behind the fall and make it up saying oh I'll add because of conviction. But, we proudly show the winning stocks and rarely show the losing stock. I have been guilty of it.

What I can bet is no investor in the world has ever been green on all of their stocks. I am pretty sure they have closed at least one security on red.

I love being transparent, showing ups and downs, showing not all plays will be profitable and the goal is to offset losers with bigger winners.

List of my losing stocks:

I am significantly down on $LTC, $BTI, and $UL with 13%, 7%, and 7% down respectively. I am also down in the range of 4%-2% on stocks like $AGNC, $MMM, $ABBV, and $BEN. My recent purchases in the income fund ($NUSI, $QYLD, and $JEPI) have incurred an unrealized loss of over 1%. My total loss is $6,450.

I however am lucky to have gained significantly in other stocks like $U (+54%), $COST (+23.73%), $MSFT (+23.27%), $JPM, $STAG, $WM, $AAPL, $NRZ (+20% to +15%).

The game plan:
The game plan is to not incur a loss in the portfolio even if there are few red stocks. So, that's what I am doing right now. That's what I am doing as the well total gain is around $35,796.04, the net profit being $ 29,345.67. The gain from the top three gainers ($+7,392.80) offsets all of the losses of $6,450.
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$NRZ hiked its dividend by 25%, from $0.20 to $0.25. In 2020, they reduced by 90% from 50c to 5c.

I dollar cost averaged $NRZ and bought the majority at below $10. So, the dividend hike has raised my monthly average from $1,203.93 to $1233.29.

When $NRZ starts giving 50c per stock, my monthly dividend income will be $1380.

I think I am on the right path with $NRZ, it will give me much needed cashflow that I need.
Interesting, so is the thinking here that New Residential Investment $NRZ is on the path back to offering the same or a similar dividend as before the pandemic?
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