Thursday, March 12, 2020

February 2020 Portfolio Report

Points of Interest

  • February 2020 represents the beginning of the great market crash of 2020 due to the "one-two punch" of coronavirus/COVID-19 fears and oil wars.
  • As a mostly DGI-focused strategy however, crashes and panic are the signals to buy undervalued positions. Nobody can predict the future, so dollar-cost averaging is a decent alternative.
  • Made some buys/sells to really focus on core positions.
  • Diversified my investing platforms this year to include Fidelity fractional-share investing and M1 Finance.
  • $93.47 worth of dividends earned and reinvested.

The start of the year has been busy and action-packed both on and off the market. As a small business owner, the beginning of the year really revolves around planning for increasing revenues and profits and preparation for taxes. That's taken a majority of my time and so I haven't had the sense of mind to really focus on my portfolio reports.

The stock market has been busy as well. As of today, the market has crashed around 25% from recent highs, plunging the US market into a swift bear market. Today's single-day drop was the worst since 1987, and comparable to the Great Depression drops of the 1920s-30s. But what does this mean for an investor such as myself? My portfolio has swung around about $10,000, but I'm not too worried about that. As an investor focusing on purchasing stakes in companies I believe are strong enough to weather through these types of storms, these types of drops represent an opportunity to buy. However, beware paper tiger companies that look strong during bull markets but are shaky. I myself have made this same mistake in my continued deepening position in OXY. We all make mistakes, but the key is to learn from them. In this case, I've learned that I should really focus on growing my core positions in companies with rock-solid financials, wide moats, and plenty of leeway when things go terribly wrong.

Diversification of Platforms

On another note, I made the decision to diversify the platforms I invest through. As anyone who has read previous posts will already know, my main brokerage account is Schwab. Schwab has, in my experience and opinion, the best overall experience for any serious investor. They are not paying me and I have not been paid to say this. Their app is great, their website is better, and they even have a tab for us DGI investors which will show the current year's month-to-month dividend income breakdown as well as a projection for the following 12 months.

However, for my Roth IRA, which I had with Schwab's robo-advisor, I wanted greater control and flexibility in my investment options. Furthermore, I wanted to be able to purchase fractional shares of companies as some share prices were high (Amazon!). So I did some research and opened an HSA with Fidelity and transferred my Roth to M1 Finance. Going over the differences of each platform as compared to Schwab will be the subject of a future post (I hope), but suffice to say that Schwab is still the best overall in terms of customer service and ease of use. Fidelity and M1 Finance do have their good points however, and I plan on keeping those accounts for the foreseeable future.

Now to my dividends...


Totaling: $93.47

No dividends in my M1 Finance or Fidelity portfolios (yet!).


I'll keep this part brief. I furthered my positions in EPD, DIS, SBUX, and OXY (ouch!). Note, my further additions into OXY were prior to the massive oil war between OPEC and Russia and their subsequent reduction in dividend. At this point, OXY is down over 70% and my dollar value in the company is low compared to the action capital invested into it. My decision in regards to OXY is to keep it as is and not to invest additional capital into it. Best case scenario is it shapes back up like KMI did and regains value as a dividend stock and just in general.

I invested $4400 of additional capital in February. Probably pulled the trigger too early but we'll see. I'll be investing additional capital in the coming days as well.

Other Investments

Current Value
Fundrise: $10,658.35
RealtyMogul: $1,503.77

Monday, March 2, 2020

January 2020 (mini) Dividend Report

2020 has been a busy year to say the least. There's no real post for January but I did want to make sure there was a record in place for dividends and stocks purchased. So here it is:

Dividends Paid and Reinvested:

ADP - .91
BFB - 3.33
PEP - 7.75
MO - 19.70
PM - 14.25
FRT - 7.61
OXY - 29.29
O - 3.53

Total $86.37

Note: This does not include my Roth and/or my HSA.

Stocks purchased:

That's it. Look forward to the February 2020 Dividend Report for a more in-depth update!