@retire4life

James Andrews's avatar

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Logistics and supply chain specialist with a Bachelor Degree in Business.

I utilise a mixed strategy that provides an overall diversified portfolio, with a strong emphasis on income/dividend producing stocks.
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A quandary of nerves
My wife and I are on our 2nd marriage and were both the ones that left with nothing (except inherited debt) and started again. After 18 long years we are now debt free. We invest, have plans and goals. We have a target of having 3, then 6, months worth of living expenses saved in a cash account. We are now at the point where we have 3 months. My quandary is - I am only earning 1.45% interest on this cash. Do I invest it into a high dividend ETF earning 3.5% (eg HDV) and take the risk, or just leave it in cash?
I want to give huge props for getting to debt free. That is awesome 😎

For me, as time has gone on I've grown to appreciate having the extra buffer of cash. Most of the time I don't need it, but if it's not there all the time, then it also isn't there when I do need it. And when it's needed, its needed bad. So it's one of those psychological things where you will perpetually be challenged by the thought of "could this be money working harder for me?" The answer is "probably— but at increased risk."
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Income Watchlist for this week
I will be looking to add new positions or increase existing positions that fall within the 10% MoS of my buy under price, and have a Zacks rank of 1 or 2. The list doesn't include any Financials as I am still over-committed in this sector.

Tickers in blue are contrarian and don't follow my usual dividend growth principles. I already have a position in $OKE but will likely add some more this week. Stocks in black are based on my dividend growth principles.
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Income watch list for this week
I will be looking to add anything that falls within the 10% MoS of my buy under price. The list doesn't include any Financials as I am over-committed in this sector.

Tickers in blue are contrarian and don't follow my usual dividend growth principles. I already have a position in $OKE but will likely add some more this week. Stocks in black are based on my dividend growth principles. I will likely open new positions in either $IPG as I am under allocated in Communications; or $STLD to add to my Materials sector.
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Portfolio Performance - April 2022
Not pretty at all this month, but as a long term investor I feel I picked up some bargains that will see me in good stead in the years to come.

Income portfolio slightly outperformed the SPY, still negative in terms of capital gain but up overall with currency gains.Biggest gainer was $MRK up 10%, biggest loser was $TROW down 20%.

Growth and Value portfolio was in the toilet as expected with this months turmoil. Biggest gainer was $DJP up 10%, biggest loser clearly $TDOC down 50% for the month.

Swings were also hammered, $NOTV down 42%, took profits on $JOB after a 10 month wait. Yes I am a notorious bag holder an I understand the concept of stopping out and getting into other winners - I just can't take the realised loss :)
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$TROW Ihave been adding to since I got in off 85% from 52 week highs. Ring a dividend aristocrat, I would be more than comfortable holding for ten years, or I can sell when it reverts the mean and swings closer to fair value. With one of my top 5 picks like T. Rowe, I’ll keep adding the as long as they want to be this irrational.
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Income Portfolio
CS doesn't support any of my brokerages here in Australia so I thought I would just share the breakdown of my Income Stocks Portfolio. Very heavy in Financials atm as I classify my CEFs as financials.
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Welcome to Commonstock

I’m based in New Zealand but also dabble in the ASX mostly in mineral stocks, which have done pretty well for me so far.

Are your financial holdings listed on the ASX? Do you think the federal election will have any effect on that sector if the liberal government are ousted?
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Thoughts on $VLO
Any feedback welcome.

I bought $VLO in Aug 21 primarily as a dividend stock. Its grown over 70% since (yay) and my YOC is over 6%. I'm deciding whether I should sell and take profits, or keep for the dividends, with the risk that there will be capital depreciation down the road.
I'm not familiar with this company but looks like @taylorduran has been selling shares of $VLO this week. And @tc26 was doing in February and March. Maybe you can weigh in on your thought process, Taylor and Tyler?
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Trades
I will be looking to add $SHOP into my growth portfolio, and $XRAY into my income portfolio
Interesting, never heard of $XRAY, but I love medical diagnostic/equipment/testing supplies or equipment. As long as I’m in America, with the most ridiculous healthcare system and the the unhealthiest people on the planet, medical supplies should do great. Especially when people refuse to believe/realize that exercise and natural food would fix 90% of their health issues (living proof here). Big moat and barrier to entry for the right companies, and we’re (by we, I mean Americans in general) only getting sicker.
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