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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: Steve Felix who wrote (24706)	5/11/2016 6:56:13 PM
From: E_K_S	1 Recommendation Recommended By Kip S Read Replies (1) \| Respond to of 34328

The bottom line is the estimated Div income vs the actual div income for each Dec end of year. At Schwab they only provide you the dividend income received year to date and for prior years. When I asked if they could extrapolate my end of year dividend income for the positions held, they said they could not do that since they could not make estimates but only provide the actual amounts paid. That was not good enough for me, so I created a spread sheet but it was difficult to maintain especially if/when I changed and/or closed out positions and/or added new dividend positions. I think it should not be that hard to create the expected income due by month for the current year. Then you could also play "What If" you sold or closed out a holdings to add more or a new position. How that change would impact the final estimated annual numbers especially for the current year. Currently, I do incremental changes for my Buys/Sells so the portfolio will net more 'total' dividend income when I complete the transaction(s). I also periodically calculate where my portfolio value should be based on a 10% annualized return (Rule of 72) as my goal on retirement is to have $1mln in the retirement account(s) at age 65. I started out w/ approx $35K cash from my employer's 401K when I left the company in 1989. I also had a self directed IRA valued at about $40K. That totals aprox 75K in IRA's in 1989. As I have no earned income (all investment income), there were no IRA/ROTH contributions since 1989. Here is a link to one of many different compounding calculators. To date I have compounded just over 7% for those 26 years, even w/ some big position blow-ups (including MHR & Washington Mutual Bank BK's to name just a few). To reach my goal of $1mln at retirement (ie age 65), the next 8 years I need to compound the retirement portfolio(s) at a 12%/year compounding rate. Also, to date I have moved just under 35% of the retirement portfolio(s) into the ROTH account. I am not going to reach for yield but will work on preserving the income streams and may also move more of the funds into fixed income and/or S&P 500 index positions to preserve/maintain the portfolio's purchasing value. The key for me is/was to avoid the big position blow ups and still is. That's why I limit the size of any one stock position to less than a 7% portfolio size. I think the S&P 500 index will be the exception in the future. Also, I am fortunate to have paid off all of my debt (including all mortgages on my properties) and need much less monthly income for my day to day needs. Income producing property provides a nice revenue stream and is a hedge against inflation. Your goals are w/i sight. Just avoid the individual stock blow ups. Good job EKS

To: Steve Felix who wrote (24706)	6/4/2016 9:01:50 AM
From: Steve Felix	1 Recommendation Recommended By JimisJim Read Replies (1) \| Respond to of 34328

Monthly update: tiny bite of the elephant. :) Within $55 of 10% yoc goal. Almost 3k in cash to help with any cuts. Investment / CurrentValue / PriorValue / PeriodChange %Change /EstimatedIncome /EstimatedYield April Totals...$316,783.23...$308,451.07....$8,332.16........2.7%.......$16,339.93...5.2% May Totals.....$322,759.55.. $316,783.23... $5,976.32....... 1.9%....... $17,797.05.. 5.5% Since Jan. 1, 2016: My IRA $295,887 to $322,759 = .. +9.08% BRK.A $197,800 to $211,695 =...... +7.02% S+P 500 2044 to 2099 =.............. +2.69% Dow 17425 to 17,873 = ................ +2.57% Nasdaq 5007 to 4948 =................ -1.17% Since inception Jan. 1, 2010: Nasdaq 2269 to 4948 ............. +123.96% (includes total 5.90 yield for 2010 thru 2015 ) BRK.A 99,200 to $211,695 = ...+113.40% S+P 500 1115 to 2099 =............ +99.44% (includes total 11.19 yield for 2010 thru 2015 ) Dow 10428 to 17,873 ...............+85.06% (includes total 13.67 yield for 2010 thru 2015 ) My IRA $178,517 to $322,759 = +80.80% Bottom line, estimated income: End Jan. 2010 $11,134 End Dec. 2010 $13,160 End Dec 2011 $14,836 End Dec. 2012 $17,371 End Dec. 2013 $18,563 End Dec. 2014 $22,093 End Dec. 2015 $18,514 End Feb. 2016 $16762 End Mar. 2016 16,899 End Apr. 2016 16,339 End May 2016 $17,797 Using my start income 1/1/2010 of $10844 and getting to 10% yoc ( $17,852 ) in ten years: Where I am currently: 2016 amount required to keep on track / amount of income needed to add per month to hit goal Jan. $15108.40.... actual 17362 Feb. $15166.80.... actual 16762 Mar. $15225.20.... actual 16899 / $24.43 Apr. $15283.60.... actual 16339 / $39.81 / that went the wrong way :) May $15342......... Actual 17797 / $1.28 / now we are talking June $15400.40 Jul. $15458.80 Aug. $15517.20 Sept. $15575.60 Oct. $15634 Nov. $15692.40 Dec. $15750.80 Apr.dividends: $1,403 Actual dividends received: 2010 total $12,317 2011 total $14,160 2012 total: $16,497 2013 total: $19,421 2014 total: $20,564 2015 total: $19,565 2016 total: $6,708 Dividends: 05/31/2016 00:00:01 ORDINARY DIVIDEND (LTC) 54.00 --- 05/31/2016 00:00:01 ORDINARY DIVIDEND (UTG) 25.56 --- 05/27/2016 00:00:01 ORDINARY DIVIDEND (CLDT) 27.50 --- 05/27/2016 00:00:01 QUALIFIED DIVIDEND (AMSWA) 20.00 --- 05/27/2016 00:00:01 QUALIFIED DIVIDEND (NRE) 11.15 --- 05/20/2016 00:00:01 QUALIFIED DIVIDEND (NRF) 89.20 --- 05/18/2016 00:00:01 ORDINARY DIVIDEND (AMLP) 48.00 --- 05/16/2016 00:00:01 QUALIFIED DIVIDEND (KMI) 125.00 --- 05/16/2016 00:00:01 QUALIFIED DIVIDEND (TIS) 122.50 --- 05/13/2016 14:28:33 PARTNERSHIP DISTRIBUTION (GLOP) 71.70 --- 05/13/2016 12:13:29 QUALIFIED DIVIDEND (CPLP) 45.00 --- 05/13/2016 00:00:01 QUALIFIED DIVIDEND (PCTI) 10.00 --- 05/13/2016 00:00:01 PARTNERSHIP DISTRIBUTION (WPZ) 306.00 --- 05/13/2016 00:00:01 PARTNERSHIP DISTRIBUTION (MPLX) 102.52 --- 05/12/2016 00:00:01 QUALIFIED DIVIDEND (AAPL) 12.54 --- 05/02/2016 00:00:01 QUALIFIED DIVIDEND (VZ) 141.25 --- 05/02/2016 00:00:01 QUALIFIED DIVIDEND (T) 120.00 --- 05/02/2016 00:00:01 QUALIFIED DIVIDEND (BGS) 71.40 --- Trades: 05/19/2016 11:50:16 Bought 100 CCP @ 24.485 -2,456.50 --- 05/19/2016 11:38:00 Sold 88 SO @ 48.24 4,237.02 --- 05/19/2016 11:20:29 Bought 1000 SOHO @ 5.0499 -5,057.90 --- 05/19/2016 11:00:21 Sold 100 KMI @ 17.04 1,695.96 --- 05/19/2016 10:56:02 Sold 200 AMSWA @ 9.01 1,793.96 --- 05/19/2016 10:51:42 Sold 200 PCTI @ 4.48 887.98 --- 05/18/2016 11:34:02 Bought 700 SOHO @ 5.1899 -3,640.93 --- 05/18/2016 11:24:23 Bought 100 CCP @ 25.15 -2,523.00 --- 05/18/2016 11:22:29 Sold 210 SPAN @ 17.2793 3,620.57 --- 05/18/2016 11:20:52 Sold 60 BBL @ 24.87 1,484.16 --- 05/13/2016 13:19:31 Bought 300 CPLP @ 2.59 -785.00 --- 05/13/2016 10:57:39 Bought 30 CCP @ 25.81 -782.30 --- 05/13/2016 10:50:27 Sold 22 AAPL @ 91.18 1,997.91 --- 05/12/2016 13:30:27 Bought 300 SOHO @ 5.45 -1,643.00 --- 05/03/2016 11:56:07 Bought 100 DLNG PRA @ 21.89 -2,197.00 --- 05/03/2016 11:52:39 Bought 1000 SOHO @ 5.4699 -5,477.90 --- 05/03/2016 11:51:54 Sold 90 JNJ @ 112.52 10,118.57 2016 trading costs $328 Holdings - cash $2,816 Symbol Qty Div yield Div amt AMLP 200 9.05% 1.14 AMNF 1,000 3.70% 0.076 BGS 170 3.79% 1.68 BRG-A 150 7.87% 2.0625 CCP 730 8.47% 2.28 CIO 200 7.96% 0.94 CLDT 250 5.98% 1.32 CLMT 574 64.62% 2.74 CPLP 900 10.03% 0.30 CRC 2 -- -- CVX 192 4.25% 4.28 DLNG-A 100 9.91% 2.25 F 300 4.60% 0.60 GLOP 150 9.86% 1.91 HP 55 4.67% 2.75 KMI 900 2.77% 0.50 KMI+ 450 -- -- KO 120 3.10% 1.40 LTC 300 4.56% 2.16 MO 200 3.46% 2.26 MPLX 203 6.06% 2.02 MPW 1,550 6.18% 0.92 NRE 74.333 5.24% 0.60 NRF 223 12.32% 1.60 OGE 250 3.55% 1.10 OXY 252 4.00% 3.00 PM 225 4.03% 4.08 SDRL 175 -- -- SOHO 4,000 6.94% 0.36 T 250 4.89% 1.92 TIS 350 4.25% 1.40 UTG 169 5.90% 1.815 VGR 472 7.25% 1.60 VTR 350 4.34% 2.92 VZ 250 4.43% 2.26 WMB 235 11.21% 2.56 WPZ 360 10.08% 3.40