June Portfolio Summary
June was an interesting month. Mr. Market continued its downward trend, and we ended up with the worst 1st half of the year in 50 years. If you are still here and investing, congratulations for weathering, hopefully, the worst storm of our lifetimes.

Personally, I had a pretty decent month. I collected a decent amount of dividends, restarted contributions to my Taxable account and was able to make some buys.

Let's get into it:

Not much to note in my Overall Top 10. This is the combination of both my Taxable and Roth IRA. All positions stayed the same as May, with some slight shifting in positions. Only percentage change was $VEA going from 7% at the end of May to 6% today. I will break down individual portfolios below.

Taxable Portfolio
% Change (vs S&P): -6.56% (+1.83%)
Contributions: $60
Dividends: $76.72 (+147% over June '21)
Buys: 1 share of $ABBV at $140.97 on 6/13
Dividend Reinvestments: 0.0278 shares of $CNA, 0.0279 shares of $DD, 0.0063 shares of $RTX, 0.0347 shares of $XLE, 0.0195 shares of $SCHD, 0.0392 shares of $VDE
Sells: None
Cash: 2.03%

Top 5 Positions:
  1. $CMA - 13%
  2. $VTI - 12%
  3. $VEA - 7%
  4. $PFE - 5%
  5. $VWO - 5%

Historic Trend:

Roth IRA
% Change (vs S&P): -17.19% (-8.8%)
Contributions: $0
Dividends: $30.23 (-4% over June '21)
Buys: None
Dividend Reinvestments: 0.0154 shares of $EMB, 0.0043 shares of $HSY, 0.0054 shares of $DD
Sells: None
Cash: 1.92%

Top 5 Positions:
  1. $VTI - 12%
  2. $VNQ- 12%
  3. $VIG - 9%
  4. $SBUX - 9%
  5. $HD - 7%

Historic Trend:

I am happy to have weathered this storm and continuing to be able to contribute and buy great companies.

I am a little concerned about performance of my Roth IRA, but keep the goal of the portfolio in the back of my mind - build a portfolio for dividend income for retirement. Seeing as I still have nearly 30 years (within 11 days) until I hit 59 1/2 & the penalty-free withdrawal age, I am not too concerned.

I am going to continue to stay the course and execute my plan. Hopefully Mr. Market will feel better with the summer sun and start turning this thing around!

Thanks for following along and I would love to hear any of your thoughts and questions in the comments!
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I collected the most dividends I hve ever received in a month in June πŸ’ͺ🏼
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Dividend Forecast - Week of 6/20
Below are my incoming dividends for this week, and how I plan to utilize them:
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Taxable
$MCD - $1.38 per share, $2.80 total, cash
$RVT - $0.35 per share, $2.80 total, cash
$XLE - $0.70 per share, $2.15 total, reinvesting
$VWO - $0.34 per share, $6.82 total, cash
$VEA - $0.37 per share, $10.63 total, cash
$VIG - $0.71 per share, $2.13 total, cash
Total - $27.33
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Roth IRA
$VIG - $0.71 per share, $3.55 total, cash
$VWO - $0.34 per share, $4.09 total, cash
$VEA - $0.37 per share, $4.03 total, cash
Total - $11.67
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Data is from Track Your Dividends
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Do you have any dividends coming in this week?
May Portfolio Summary
Not a lot of action in May. We have been focusing on using our extra money to pay down some credit cards to increase future cash flow, so I didn't have any new capital to work with. In the life of a buy and hold investor, that makes for a pretty boring month. No buys, other than automatic dividend reinvestments, and no sells. Nonetheless, May provided an "organic" observation of my portfolio πŸ˜‚
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Below is my overall portfolio, with both accounts. I will break down where some of these positions are held in the discussions on each portfolio.
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Taxable
% Change (vs S&P): -0.29% (+0.27%)
Contributions: $0
Dividends: $14.11 (+18% over May '21)
Buys: 0.0065 shares of $AAPL, 0.0096 shares of $ABBV, 0.0245 shares of $CARR (all Dividend Reinvestment)
Sells: None
Cash: 1.9%
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Top 5 Positions:
  1. $CMA - 13%
  2. $VTI - 12%
  3. $VEA - 8%
  4. $VWO - 5%
  5. $PFE - 5%
​
Historic Trend:

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Roth IRA
% Change (vs S&P): -1.36% (-0.80%)
Contributions: $0
Dividends: $10.02 (+1,001% over May '21)
Buys: 0.0040 shares of $LOW, 0.0166 shares of $EMB, 0.0488 shares of $CARR, 0.059 shares of $SBUX (all Dividend Reinvestment)
Sells: None
Cash: 1.5%
​
Top 5 Positions:
  1. $VTI - 13%
  2. $VNQ - 12%
  3. $VIG - 9%
  4. $SBUX - 9%
  5. $HD - 7%
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Historic Trend:

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One bit of commentary - I am happy to see 2 of the Top 5 in each account are individual companies. I have been working to balance the ETF portfolios I had built through Wealthfront and rolled over.
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Looking forward to June - it is a large dividend month with the Vanguard ETFs paying out. Should provide some more opportunities to buy!
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Would love to hear any of your questions, comments or concerns with my portfolio!
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Portfolio Review
I am tagging along and sharing my portfolio for public discussion, like @strib, @growthinvesting, @investor_from_nepal, @from100kto1m and @sammeciar have done.

These holdings are split between two Merrill Edge accounts - a Taxable Brokerage for shorter term goals/possible early retirement and a Roth IRA built for dividend income in retirement.

I am 29 years old and a chemical engineer. These accounts have been built more or less over the last 6 years (minus the $CMA position). I contribute as I can, and utilize my Scorecard to indicate where to deploy new capital. As I mentioned yesterday, the ETFs are from Wealthfront accounts I rolled over into my self-directed accounts. I am not big on selling and the only positions on this list I have "trimmed" are $CMA, $VEA and $VWO.

Breakdown of where these holdings are residing:

Both Accounts:

Taxable:

Roth:

What are your thoughts?

Any questions/suggestions/advice?
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Portfolio History
I was inspired by @stonkmetal's recent post about his portfolio change since inception.

I ran a similar comparison with my Taxable Brokerage. This comparison is from my June 2020 brokerage statement compared to holdings as of 4/11/22.

June 2020 Top Holdings:
  1. $CMA - 48.5%
  2. $AAPL - 7.1%
  3. $SBUX - 4.3%

Total Holdings: 18

Between 2020 and today, the primary change is that I rolled my Taxable Brokerage that I had from Wealthfront into this account. This is where the large exposure to ETFs came into play. I estimate that 10-15 current positions are from the Welathfront transfer.

Today Top 3 Holdings:
  1. $CMA - 13.5%
  2. $VTI - 12.4%
  3. $VEA - 7.6%

Total Holdings: 46

I have talked a lot about over-diversification in my investments. This account is where that majority of that took place, as you can see. One positive is that I am still holding every single company that I held in 2020. +1 for buy and hold!

My Roth IRA, which I started later, is much more concentrated than this portfolio. I learned from my mistakes.
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One positive is that I am still holding every single company that I held in 2020.

Well done, @stonkmetal! Also, how wonderful that your wife's grandparents did that!
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Portfolio Bracketology - $AAPL is the Champ!
Portfolio Bracketology has concluded and you have chosen $AAPL as your champ! $AAPL beat $VTI 21 - 16 in the final poll results (combined between Twitter and Commonstock poll).

Below is the final bracket:

The bracket was made up of all 55 of my active holdings - as verified here on @commonstock. Seeding was based on total return since initial acquisition date through 2/28/22. Final rankings are based on poll results - ranked in each round by initial seeding.

Here are final rankings of all 55 holdings based off the results of the bracket (Initial in Parentheses):

  1. $AAPL (3)
  2. $VTI (8)
  3. $O (21)
  4. $HD (42)
  5. $VDE (4)
  6. $BAM (11)
  7. $LOW (32)
  8. $TGT (47)
  9. $XLE (5)
  10. $ABBV (9)
  11. $SCHD (16)
  12. $KO (19)
  13. $VWO (20)
  14. $PFE (26)
  15. $SCHB (27)
  16. $PEP (31)
  17. $CMA (1)
  18. $CARR (2)
  19. $DD (6)
  20. $FUN (7)
  21. $RTX (10)
  22. $SCHF (15)
  23. $VEA (17)
  24. $MCD (24)
  25. $VNQ (28)
  26. $LEG (29)
  27. $SBUX (30)
  28. $HAS (40)
  29. $UL (43)
  30. $DIS (51)
  31. $COIN (52)
  32. $CTRE (53)
  33. $RVT (12)
  34. $VIG (13)
  35. $IEMG (14)
  36. $IEUR (18)
  37. $HASI (22)
  38. $PG (23)
  39. $CNA (25)
  40. $BUD (33)
  41. $CL (34)
  42. $HE (35)
  43. $TIPX (36)
  44. $VTEB (37)
  45. $PPL (38)
  46. $HSY (39)
  47. $CSX (41)
  48. $NSC (44)
  49. $LQD (45)
  50. $KMB (46)
  51. $BLV (48)
  52. $EMB (49)
  53. $T (50)
  54. $CRON (54)
  55. $CHWY (55)

Are there any surprises? Anything that stands out to you?

What are your overall thoughts on Portfolio Bracketology?

I had tons of fun putting this together and getting insight into people's perspective and thoughts on these companies holdings!
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That seems rad to me! I’ve never thought of putting your holdings head to head in a bracketed to-the-death tournament before! How do you determine the lineup to begin with?
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Q2 Portfolio Alignment
I do my best to stick to a routine cadence when it comes to investing. I have written about some of my methodology here, if you are interested.

Just like doing routine maintenance on your car, I do routine maintenance on my portfolio. The first weekend of each quarter I review my holdings and make updates to conviction ratings, reinvestment strategy and make any sales to trim positions. This routine alignment ensures I am on my intended path, but is also scheduled, so I don't go off the rails and make drastic changes on a whim.

Some of my rules for my portfolio alignment:

  • Sales - My rule is to trim overweight positions that I have held for 3+ years or sell positions that are <1% of my portfolio after 3+ years of holding.
  • Dividend Reinvestment - Reinvest dividends of S&P beaters in Taxable. Reinvest dividends of underweight holdings in Roth IRA.
  • Conviction Rating - Review each holding and record gut conviction (blind to previous rating)- either Low, Medium or High.

Taxable Brokerage

Sales:
None. $CMA and $VTI were candidates for me to sell, but I do not feel the need to trim these positions right now.

Dividend Reinvestment (Changes Only):

Conviction Rating (Changes Only):
  • $ABBV - Medium to High
  • $BUD - Medium to Low
  • $T - Low to Medium
  • $COIN - Medium to High
  • $DD - High to Medium
  • $MCD - High to Medium
  • $PEP - High to Medium
  • $PFE - High to Medium
  • $PG - High to Medium
  • $RTX - Medium to High
  • $RVT - Low to Medium
  • $SCHD - High to Medium
  • $UL - Medium to Low
  • $VIG - High to Medium

Roth IRA

Sales:
None. Could have trimmed $VWO and $VEA but didn't feel the need.

Dividend Reinvestment (Changes Only):

Conviction Rating (Changes Only):
  • $DD - High to Medium
  • $HSY - Medium to High
  • $KMB - High to Medium
  • $VIG - High to Medium
  • $VNQ - High to Medium

Reviewing my Conviction changes in both accounts, I am definitely leaning more conservative in most areas.

What are your thoughts? Do you do any portfolio maintenance activities? Would love to hear!

Have a great Sunday!
March 2022 Portfolio Review
March was a very interesting month to end Q1. I didn't have too much activity, but did make some purchases with cash made available from dividends in my Taxable and Stop Loss sales generated capital in my Roth IRA.

Taxable Brokerage
Portfolio Performance (S&P)
  • Monthly Change: +0.80% (+3.58%)
  • YTD/Quarter: -2.46% (-4.82%)
  • Lifetime: +79.34% (+58.96%)

Dividends (YoY change)
  • Monthly: $54.31 (+166%)
  • YTD/Quarter: $105.99 (+38%) 😊
  • Lifetime: $639.89

Sales/Purchases
  • $MCD - 1 share purchased 3/7

Top 5 Holdings (43.5% of Portfolio)
  1. $CMA - 13.5%
  2. $VTI - 12.6%
  3. $VEA - 7.7%
  4. $VWO - 5.2%
  5. $TGT - 4.6%

Roth IRA
Portfolio Performance (S&P)
  • Monthly Change: -0.42% (+3.58%)
  • YTD/Quarter: -10.98% (-4.82%) 😳
  • Lifetime: +4.37% (+8.83%)

Dividends (YoY change)
  • Monthly: $23.10 (N/A)
  • YTD/Quarter: $36.14 (N/A)
  • Lifetime: $172.16

Sales/Purchases
  • $VEA - 1 share sold as part of Stop Loss 3/7
  • $VWO - 2 shares sold as part of Stop Loss 3/7
  • $KMB - 1 share purchased 3/14

Top 5 Holdings (50.4% of Portfolio)
  1. $VTI - 12.8%
  2. $VNQ - 12.4%
  3. $SBUX - 9.3%
  4. $VIG - 9.1%
  5. $HD - 6.8%
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πŸ’ΈDividend Forecast for the Week of 3/21πŸ’Έ
Below are my incoming dividends this week:
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Taxable Brokerage
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$UL - $0.50 per share, $2.06 total, cash
$XLE - $0.49 per share, $1.48 total, reinvesting
$VIG - $0.21 per share, $0.64 total, cash
$VWO - $0.24 per share, $4.80 total, cash
$RTX - $0.51 per share, $0.53 total, cash
$VEA - $0.26 per share, $7.54 total, cash
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Rot****h IRA
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$VIG - $0.21 per share, $1.06 total, cash
$VWO - $0.24 per share, $2.88 total, cash
$HD - $1.90 per share, $3.80 total, cash
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Do you have any dividends coming in this week?
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Stop Loss Experiment - Continued
During my quarterly portfolio review in October 2021 I had some holdings that needed trimmed that I was not necessarily interested in flat out selling at that time - $CMA in my Taxable brokerage and $VEA and $VWO in my Roth IRA. These holdings had met my criteria for minimum holding period and were overweight.

I instead opted to implement a stop loss for the intended percentages I wanted to trim the holdings. Yesterday my stop losses hit for $VEA and $VWO which were set at 15% from their high.

I ended up securing gains and retaining a majority of my position in each.

The capital I generated from these sales will allow me to buy more dividend paying assets in my Roth IRA.

I feel much more content with yesterday's stop losses than I was with the $CMA stop loss in January. You can read my summary of my $CMA stop loss here.

It is still TBD if I will implement this strategy again.
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