$23.7m follower assets
Opening Day
Which performs better over the next 6 months?
100%S&P 500
0%Pittsburgh Pirates
5 VotesPoll ended on: 3/31/2023
@scorebdinvestor
$23.7M follower assets
Engineer and former college athlete focused on building sustainable investing practices
Managing 2 portfolios:
1. Roth IRA for Retirement income
2. Taxable for shorter term goals and to bridge the gap for a potential early retirement
163Following
807Followers
$23.7m follower assets
Dividend Preview - Week of 3/27
Big week of dividends incoming. Vanguard ETFs paying out and some other individual holdings.
Below is what I am expecting and how they will be utilized:
Taxable
3/27
$SCHD - $0.60 per share, $1.24 total, reinvesting
$SCHB - $01.8 per share, $0.36 total, cash
3/28
$VTI - $0.79 per share, $5.53 total, cash
3/29
$VIG - $0.75 per share, $2.25 total, reinvesting
$VDE - $1.01 per share, $4.26 total, reinvesting
3/31
$PEP - $1.15 per share, $4.68 total, reinvesting
$BN - $0.07 per share, $0.07 total, cash
Roth IRA
3/28
$VTI - $0.79 per share, $3.93 total, cash
3/29
$VIG - $0.75 per share, $3.74 total, cash
$VNQ - $0.77 per share, $7.70 total, cash
$RICK - $0.06 per share, $01.2 total, reinvesting
First dividend for my Birthday Buy, $RICK.
Do you have any dividends coming in this week?
Dividends can be a good way to generate income, but as always, investors should do their due diligence before investing. It's important to consider factors such as the company's financial health, growth potential, and competitive position. For a dividend pick of my own, I would suggest looking into Starbucks (SBUX), which has a strong brand, consistent earnings growth, and a track record of consistent dividend payouts.
$23.7m follower assets
Scoreboard Buy of the Week - $KMB
Made my bi-weekly contribution on Friday, so that gave me another opportunity to buy in my Roth IRA.
Ticker: $KMB
Account: Roth IRA
Qty: 1
Price: $126.74
Date: 3/20/23
$KMB is tied for highest rated at 4.5/6. Tied with $HSY and $LOW. $KMB still holds the tie breaker as most underweight.
Taking from 8.0907 to 9.0907 shares.
10.9% allocation to 12.1%.
PADI from $230.09 to $234.71.
Scorecard Score 4.5/6
S&P Rank - +1. Average Cost Basis +3.42% vs S&P
FCF Rank - +1. DIV/FCF at 90.5%. Greater than 50%.
Conviction Rank - +0.5. Medium. Minimum growth potential, but growing dividend.
Dividend Yield - +0.5. Yield of 3.69% is greater than average of 2.61%, but less than top 5% of 5.85%.
Weighting - +1. Current position size is 10.9% vs target of 20%.
P/E - +1. P/E of 21.92 is less than 25.
I have a few more weeks of buying $KMB before I hit my target weighting. Should hit this target sometime in June.
Appreciate how consistently you have been sizing up your position in $KMB
$23.7m follower assets
Feels Good to be On Top (Again) - $CARR
Carrier brands were named #1 and #2 in US News and World Report's Best HVAC Companies for the second year in a row.
Carrier was named #1 and their Bryant brand was named #2.
From the report:
"Reviewers found Carrier to have the most technologically advanced, innovative, reliable, and high-quality products, which are also among the most energy-efficient and quiet. In addition, the number of products and options Carrier offers was viewed as a differentiator."
$CARR is a Top 10 position in each of my portfolios. This news has provided a little pop so far this week.
Full release is below:
Feels so nice, you posted it 5 times lol
$23.7m follower assets
Dividend Preview - Week of 3/20
Below are my holdings paying me a dividend this week and how they will be utilized.
Taxable
3/21
$FUN - $0.30 per share, $0.91 total, cash
$UL - $0.46 per share, $1.88 total, cash
$XLE - $0.86 per share, $2.72 total, reinvesting (anticipated)
3/23
$VWO - $0.03 per share, $0.56 total, cash
$VEA - $0.16 per share, $4.63 total, cash
$RTX - $0.55 per share, $0.58 total, reinvesting
$VIG - $0.87 per share, $2.61 total, reinvesting (anticipated)
3/24
$RVT - $0.27 per share, $2.16 total, cash
Roth IRA
3/23
$VEA - $0.16 per share, $1.12 total, cash
$HD - $2.09 per share, $4.18 total, cash
$VWO - $0.03 per share, $0.22 total, cash
$VIG - $0.87 per share, $4.34 total, cash (anticipated)
These are the weeks where dividend investing pays off with over $15 expected in my Taxable and just under $10 in my Roth IRA. Not huge numbers, but they are steadily increasing over time.
Next week will be good too with the remainder of the Vanguard ETFs paying out.
Do you have any dividends coming in this week?
$23.7m follower assets
My Worst Trade Ever - Cronos Group $CRON
"How low can you go" - good saying while playing Limbo, not when investing...
That is the feeling I have towards $CRON, my worst trade ever. We'll get the pain out of the way up front and address the elephant in the room:
- Initial Position: -68.7%
- Average Cost Basis: - 64.3%
So how did we get here? It was the summer of 2020, I was consuming as much investing content as I possibly could. I had developed a few favorite resources I was frequenting, one of which was Investopedia. Don't get me wrong, Investopedia is a great site that provides a lot of value that I still interact with almost daily. However, taking stock advice from them wasn't my best decision.
I remembered reading one Investopedia article about marijuana stocks and $CRON was a name mentioned. I saw the price was low (under $10 per share). I got stuck in the trap of thinking "all it needs to do is go up a little to make a huge gain". On the other side, it only needed to drop a little bit to be a huge loss.
I bought 20 shares across 4 separate lots from 7/6/2020 through 10/5/2020.
This is still only a "paper loss" as I have not sold any shares yet. I am trying to maintain my 3 year minimum holding period. We are quickly approaching 3 years of holding this company and will be looking to sell in my July portfolio rebalancing.
Although this experience has been mostly bad, it has taught me to add companies that pique my interest to my watchlist first and track. Utilizing a watchlist allows me to do the leg work required to initiate a position and make better decisions. This is also one of the bad position decisions that pushed me towards implementing my Birthday Buys and being more calculated in starting new positions.
How do you handle enticing new opportunities? What is your minimum holding period? I am interested to see if any others have been caught in a trap like this.
@scorebdinvestor Thanks for sharing! Did you do an additional research of the industry before entering the position?
$23.7m follower assets
Scoreboard Buy of the Week - $CARR
Ticker: $CARR
Account: Taxable
Date: 3/13/23
Qty: 1 share
Price: $45.12
PADI to $463.05.
Average Cost Basis from $32.59 to $33.32.
17.2447 total shares. From to 6th to 4th largest holding in portfolio with this buy.
Scorecard Score 5/6
S&P Cost Basis Rank - +1. Average cost basis is outperforming S&P by 3.91%.
FCF Rank - +1. Div/FCF i 26.44%, which is less than 50%.
Conviction Rank - +1. High. Great company, has been a strong performer and has room to run.
Dividend Yield - 0. Dividend Yield of 1.84% is less than Portfolio Average of 2.85%.
Under Weight - +1. Current allocation of 4.5% vs target of 6.5%.
P/E - +1. P/E of 11.13 is less than 25.
$23.7m follower assets
Dividend Preview - Week of 3/13
Below are my holdings paying me a dividend this week:
Taxable
3/15
$MCD - $1.52 per share, $3.10 total, cash
$O - $0.25 per share, $0.54 total, cash
Roth IRA
3/15
$HSY - $1.04 per share, $3.13 total, reinvesting
$CSX - $0.11 per share, $0.33 total, cash
Happy to get this small opportunity to reinvest in $HSY. Hershey's has remained at the top of my scorecard, but has been continually losing the tiebreaker of position weighting to $KMB.
Are you expecting any dividends this week?
$23.7m follower assets
March 2023 Watchlist Update
Time for my monthly Commonstock Watchlist update. Feel like I did some good work in February trying to source some new ideas and use some new tools to find potential opportunities.
As you will see below, I am trying to note the idea source of each company. I never really kept track prior to this year, so long time Watchlist positions will just be "Pre-2023".
I have already really started to narrow my focus on a few companies in each portfolio, guided by my Scorecard.
Hope you enjoy!
Roth IRA
Goal - to add to un-represented sectors in portfolio. These sectors are Healthcare, Defense, Consumer Discretionary and Utilities.
For reference:
- S&P Price Gain 1 Year is -8.15%
- S&P 3 Year is +40.86%.
- Portfolio Average Yield is 2.57%
- Portfolio 95th Percentile Yield is 5.35%
Added:
Removed:
Healthcare:
$SNY - 4.5/6
- Price vs S&P - +0.5. 1 Yr -6.76%% and 3 Yr +5.56%.
- FCF Rank - +0.5. Div/FCF is 80.44% and greater than 50%.
- Conviction - +1. High. Mostly tied to Gold Bond products.
- Dividend Yield - +1. Yield of 6.9% is greater than than top 5%.
- Weighting - +1. Currently no holdings in sector.
- P/E - +0.5. 27.65 > 25 and less than 50.
- Source: Pre-2023
Defense:
$GD - 5/6
- Price vs S&P - +1. 1 Yr -4.97%. 3 Yr +48.82%.
- FCF Rank - +1. Div/FCF of 39.75% is less than 50%.
- Conviction - +1. High. Tensions have been high.
- Dividend Yield - +0. 2.28% is less than portfolio average.
- Weighting - +1. Currently no holdings in sector.
- P/E - +1. 12.19 <25.
- Source: Pre-2023
Consumer Discretionary:
$HRB - 5/6
- Price vs S&P - +1. 1 Yr +46.66%. 3 Yr +86.67%.
- FCF Rank - +1. Div/FCF is 22.84% and less than 50%.
- Conviction - +0.5. Medium. Need more research.
- Dividend Yield - +0.5. Yield of 3.15% is more than portfolio average but less than top 5%.
- Weighting - +1. Currently no holdings in sector.
- P/E - +1. 12.10 < 25.
- Source: Koyfin Screener 2/18/23
$ETD - 5/6
- Price vs S&P - +1. 1 Yr +10.32%. 3 Yr +146.33%.
- FCF Rank - +0.5. Div/FCF is 81.07% and greater than 50%.
- Conviction - +0.5. Medium. Need more research.
- Dividend Yield - +1. Yield of 6.27% is in Top 5%.
- Weighting - +1. Currently no holdings in sector.
- P/E - +1. 6.39 < 25.
- Source: Koyfin Screener 2/18/23
Utilities:
$GNE - 5/6
- Price vs S&P - +1. 1 Yr +75.23%. 3 Yr +98.47%.
- FCF Rank - +1. Div/FCF is 11.61% and less than 50%.
- Conviction - +0.5. Medium. Need more research.
- Dividend Yield - +0.5. Yield of 2.57% is greater than portfolio average but less than Top 5%.
- Weighting - +1. Currently no holdings in sector.
- P/E - +1. 3.20 < 25.
- Source: Koyfin Screener 2/18/23
Taxable
Goal - to track companies in sectors I will most likely sell out of that have higher rankings than current holdings.
I am currently less than 1% weighted in $FUN, $CRON, $BUD, $O and $RTX. Therefore, I am tracking companies in Entertainment, Sin Stocks, Real Estate and Defense. I currently do not have anything in my watchlist tied with or better than $FUN and $O, so I do not have those sectors represented in this iteration of my Watchlist.
For reference:
- S&P Price Gain 1 Year is -8.15%
- S&P 3 Year is +40.86%.
- Portfolio Average Yield is 2.85%
- Portfolio 95th Percentile Yield is 5.59%
Added:
Removed:
Defense:
$LMT - 4/6
- Price vs S&P - +0.5. 1 Yr +8.30%. 3 Yr +33.22%.
- FCF Rank - +1. Div/FCF of 37.14% is less than 50%.
- Conviction - +1. High. Tensions have been high.
- Dividend Yield - +0. 2.36% is less than portfolio average.
- Weighting - +0.5. Currently have one holding in sector but may sell by end of year.
- P/E - +1. 21.95 <25.
- Source: Pre-2023
Sin Stocks:
$PENN - 4/6
- Price vs S&P - +0.5. 1 Yr -33.68%. 3 Yr +42.86%.
- FCF Rank - +1. No dividend, but positive FCF.
- Conviction - +1. High. Mostly for the belief in and backing of Barstool brand and greater acceptance of sports gambling.
- Dividend Yield - +0. Does not pay a dividend.
- Weighting - +0.5. Currently have one holding in sector but may sell by end of year.
- P/E - +1. 22.64 <25.
- Source: Pre-2023
$RICK - 4/6
- Price vs S&P - +1. 1 Yr +8.30%. 3 Yr +33.22%.
- FCF Rank - +1. Div/FCF of 4.33% is less than 50%.
- Conviction - +0.5. Medium. Should be high with purchase in Roth. Hesitant to own in both accounts.
- Dividend Yield - +0. 0.23% is less than portfolio average.
- Weighting - +0.5. Currently have one holding but may sell by end of year.
- P/E - +1. 16.55 <25
- Source: Pre-2023
Summary
I am excited to see $PENN return to the Watchlist. I am a big Barstool fan and both my wife and I consume a lot of their content. It is intriguing that $PENN scores so well without paying a dividend.
The Koyfin screener I ran gave me a lot of good ideas. I screened based off the items I track in my Scorecard and I am glad to have a few names returned that I can start diving into.
As always, would like to hear any feedback you have on any of these businesses, especially if you currently hold, have owned previously or have researched!
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