Wednesday, December 25, 2019

December 2019 Portfolio Report (End of the Year Review)


Releasing this report early as all distributions have been made and well, it's the end of the year!

December 2019 Summary:

  • Equity Portfolio Value is at $24,757.68.
  • $84.02 dividends received.
  • $471.91 received Year-To-Date.
  • New initial positions in ADP, SCHD, V, TXN, EV; added shares in EPD, OXY.
  • Will be divesting shares in IBM, XOM.

XOM: $12.33
IBM: $8.15
JNJ: $6.80
ADM: $8.47
O: $3.51
CWENA: $14.75
NEE: $3.75
SCHD: $0.47

Total: $84.02 (all dividends reinvested)

Other Investments (Current Value)

RealtyMogul: $1,476.67

Fundrise: $10,365.67

End of the Year Review/Ramblings

It's been quite a year for me. With respect to personal life, started a great relationship which I hope will last forever (however long that may be). This has taken a lot of my "free" time which has led to me being more efficient with my time and prioritizing. Health-wise, I did not come near my goal of hitting 180lbs., closest I got was 186. I have been much more active however and feel good! Work-wise, contrary to plans I eliminated one of my primary income sources, which reduced my income but really increased my happiness and lifestyle.

Looking back at my financial goals, I accomplished some and failed others. Although it is nice to set goals and strive towards them, my financial mind has matured and the goals I had then compared to now is quite different. My equity portfolio is current over $24,000.00; my eREIT investments are over $11,000.00. I was short of $500.00 in dividend income this year but my projected income for the next year is $942.38. My trailer rental business has been put on pause (although I did receive $500.00 last month!).

At the start of the year, I thought that I would focus mostly on investing in DGI-centric portfolio...and that's it. A year later, although that is still a large part of my investing philosophy, I've dived into eREITs and other alternative investments which I believe have become a substantial part of my financial philosophy. 

The goal hasn't changed. I'm still striving for financial independence as soon as I can. I'm not willing to sacrifice my current lifestyle and I'm always open to new non-traditional ways to pursue income and investing. Even if I reached FI tomorrow, I wouldn't stop working as work does satiate a part of my life and desires. Rather financial independence would just open my options in pursuing my work the way I want it.

Anyways, if you read through all those ramblings, I'm sorry and I hope you enjoy your Christmas and rest of this year. Next post won't be up until 2020!

Best Regards,


Monday, December 2, 2019

November 2019 Portfolio Report


After further market research and scouting of other writers in this particular niche, I will be tweaking the layout and design of my articles for improved viewing pleasure.

November 2019 Summary:
  • November saw a positive gain of approximately 4% from all equity positions. This does not include additional cash infusions into these positions.
  • $66.33 was received as dividend income in.
  • $423.74 has been earned Year-To-Date.
  • New positions in CTSH, SBUX, NEE, EPD.
  • Divested position in CALM.
It's been almost one year since I re-resumed my investing journey. Soon I will be able to compare by year-over-year growth. Although my portfolio is not as robust as I had set my goal to, I am assured that I will soon be entering a new decade better than I began the last. As we enter the final month before the new decade, I wish greater health and fortune for myself and you all! Now onto my dividend income breakdown for this month:


(T) AT&T: $7.49

(CVS) CVS Health Corp: $9.67

(ABBV) Abbvie Inc: $36.61

(HRL) Hormel Foods Corp: $2.53

(O) Realty Incm Corp Reit: $3.50

(CTSH) Cognizant Tech Solu Class A: $1.60

(SBUX) Starbucks Corp: $4.93

Total: $66.33

All Dividends Reinvested.

Other Investments (Current Value)

RealtyMogul: $1,467.32

Fundrise: $10,308.87

Portfolio Recap:

I realize from reading my report that it can be hard to get a general overview of all of my investment assets so here is a summary. I'll try and work it into the meat of the report in the future. Here it is with a brief explanation:

$21,107.42 - MoonieDiv Portfolio: 

This holds all my traditional equity/stock positions. The majority of these positions follow the DGI spirit. I transfer a minimum of $1,000.00 into this account every month with the intent of investing those funds forthwith. Additional funds are invested into this account when I see an opportunity or have a surplus in cash holdings.

$2,111.86 - Robo Portfolio:

I invest $100.00 per month into this portfolio. This portfolio is "robo-advised" by Schwab Intelligent Portfolios and I use it as a baseline to compare how I am doing against AI.

$1,467.32 - RealtyMogul:

The current value of my investment into RealtyMogul, an eREIT fund. I deposited an initial position of $1,250.00 on June 29th, 2017. That comes out to about a 17% return over 2.5 years. I do not plan on adding additional capital here, but I am reinvesting the monthly dividends back into the account.

$10,308.87 - Fundrise:

The current value of my investment into Fundrise, another eREIT fund. I invested a total of $10,000.00 from May to October of this year into this investment platform and have reinvested all dividends. I am a bit more enthusiastic about this platform than RealtyMogul but have no plans currently to add additional capital other than having dividends automatically reinvested. I was recently offered a chance to invest in the internet IPO of the parent company but decided not to at this moment.

$1,729.00 - Trailer Rental Income:

The current amount I have received as rent on my trailer rental business since March of this year. I invested $5,000.00 into this business which I don't expect to receive back. I planned on earning a 30-40% return on my investment annually. I'm currently on track but the trucking industry in California has been decimated by USA/China trade wars and the enforcement of old and new trucking laws here. I don't believe my returns next year will be as great and these funds cannot be reinvested at the moment.

Ending Thoughts

I will be tweaking the layout of these reports as I work on improving my writing and design skills. Although I don't plan on making a living writing articles, it is something I enjoy doing at times. As I improve I plan on submitting future posts on a variety of sites if the opportunity arises. But those are thoughts for another day.

Happy Holidays and Best Regards!

Monday, November 4, 2019

October 2019 Portfolio Report

The screenshot says it all (almost!). September was a good month in terms of both capital gains and dividends.


Here are the dividends paid out last month:

BFB   - $ 3.16
PEP    - $ 7.70 (this was paid out 2019.09.30 but reinvested 2019.10.01)
MO    - $ 19.32
PM    - $ 14.04
FRT   - $7.55
OXY - $24.86
O      - $ 3.49

$ 72.42 - Total Dividends Received (not including PEP)

In addition, I have been inserting $1,100.00 in new capital every month at the minimum to further develop my portfolios. In September, I added another 14 shares of ABBV to my portfolio at $75.03 per share. $100 was added to my robo-advisor portfolio which currently has a value of $2,004.73. My current total exposure to the stock market from both portfolios stands at $21,563.57.

*Other Investments*

Fundrise account sitting at $10,235.11. RealtyMogul at $1,457.73. No current revenue in my rental business.


Only two months remain in 2019 and I'm genuinely surprised that I have continue to post on a "regular" basis. Looking back at my resolutions/goals, I will probably not hit $50,000.00 in Net Worth (not including cash for emergency fund and expenses). I do have some non-reserved cash on hand if any attractive investing opportunities arise. I was offered an opportunity to invest in Fundrise's iPO. I'm leaning towards not investing as that money would be more of a sunk cost until Fundrise as a real IPO on an exchange somewhere. Still debating though.

Well, until next month!

Monday, September 30, 2019

September 2019 Portfolio Report

The screenshot says it all. Added a new position in IBM and deepened my exposure to ABBV. IBM represents my first investment into the "tech" sector and I hope to expand in that direction if I can ever find value in the sector.


Here are my dividends in August:

$  7.38 - T
$  9.58 - CVS
$13.91 - ABBV
$  2.52 - HRL
$  3.46 - O
$  2.16 - SBUX

$39.01 - Total Dividends Received & Reinvested


As of today, valued at $10.163.20. As stated previously, I will not be increasing my position for the foreseeable future. As a side note, Fundrise is very good at providing updates and interesting views into the positions that you as an investor is vested in. Definitely makes you feel much more like an involved owner as opposed to just a passive investor (although that is the case.).


$1,455.91 currently. My prior updates on RealtyMogul were incorrect as they were listing my invested amount rather than the actual current value.

*Rental Business / Other*

Currently receiving $0/mo. in rental income from my rental business as the China/US trade wars have a put a severe dent in the Southern California trucking industry.

*Net Worth*

I've decided not to update my net worth every month as it fluctuates greatly based on my cash flow that month. I'll update when I hit significant milestones.

Saturday, September 28, 2019

Schwab's New Investment Income Feature

This is my first report that is not entirely about my income and investments. I'd rather highlight the new Schwab Investment Income Feature which is geared towards DGI investors like myself. I have not been paid or compensated for this post or for any post on this blog.

Here's a screenshot of the Investment Income View with default settings:

As you can see, this new view makes it very easy to see the progress of your dividend income through the year and in prior years. There is an option to view your estimated income for the following 12 months as well.

The view separates every month into income derived from interest and dividends. You have the option under the settings button to dictate which accounts (if you have multiple accounts like myself), are included in the view.

It eliminates some of the needs of a separate spreadsheet to track month-to-month dividend income and allows you to export the information into spreadsheet format for further modifications for the tech-adventurous.

I'm happy to see that I've earned income to the tune of $267.54 year-to-date, with the vast vast majority of it being dividend income that I automatically reinvest. I can expect to earn an estimated $186.04 for the rest of the year. That number will go up as I continue to add positions into the market. I'm also very happy to see that I expect to make $744.14 in the next 12 months.

All in all, a simple but great addition to the Schwab brokerage platform. I've been very happy with the services that Schwab offers including a great checking account with easy to use mobile banking as well legendary customer service when you call. It's refreshing to hear a real human voice when there are questions or issues with your accounts. Another great feature from Schwab and something that will keep me a loyal client for the foreseeable future.