Time too add more with the dividends

Alright folks, this is the end-of-year update on how my portfolio is doing at the dawn of 2024.

I will be looking at the goals set out at the beginning of the year (which was updated a couple of times throughout the year). I will also look at the dividend payouts for the last month of 2024 as well as going over the plans for next year.

As a reminder, these updated goal for 2024 are:

Total amount invested: 160-170k$ (initially 130k$)

Dividends/month: 500-600$ (initially 400k$)

1000 shares of $SCHD (before the split, 3000 shares after the split)

So, what is the situation on the last day of the year? Well, in short it seems like we've done alright. 😉

Total amount invested as of 2024-12-31:

>170k$ ✔️

Dividends/month:

>800$ (avg. as per last 7 month) ✔️

>600$ (avg. as per last 12 month) ✔️

3011 shares
of $SCHD as of 2024-12-31 ✔️

This earns us a check mark for each of the goals set out early in the year, which is just insane, especially due to moving the goal post multiple times throughout the year.

So, what happened dividend-wise in Dec. 2024?

Well, the short answer is we did well and reached a new high with 1281$ payout in a single month. This is despite me making a mistake in accidentally selling out of my $JEPI position, as my Trailing-Stop was triggered in mid Dec.

I did repurchase about one third of that position but decided to put more in $SCHD (in order to meet the above-mentioned target), as well as $O (+0,51%) , because I do think they will recover. This also allowed me to reach one 'unofficial goal' of more than 430 shares of Realty Income ($O (+0,51%) ), as this equates to 100$/month in net dividend payout. I do own 557 shares of $O (+0,51%) as of today, which is more than 130$/month net (or two new shares every month).

Let's now look at whats in store for 2025 and beyond.

I did just sell one of my properties and once the money comes in at the beginning of March 2025, I am planning to do one of two things.

Invest in another property (as I will be relocating to England)

Invest the money in the stock market (and maybe some more risky assets, like $BTC (-1,77%) )

A mixture of 1 and 2

There will also be a steadier stream of income (new job) that will be used to make further investments.

For those of you following me, probably know that I aim to have 50k$/ year generated from mainly two income streams. Now and in retirement those will mainly be dividend payouts and rental income. With the remaining two properties I generate about 2k$/month so that another 2k$ must be done via dividends. This is roughly 2.5 times what I generate now, meaning that my portfolio needs to increase by that factor (assuming the positions and their dividends remain the same). That points towards a portfolio of about 430k$.

I am very tempted to choose option 2 (from above), because then I'd be more than where I need to be portfolio-size-wise.

Any advice, please let me know. Keep in mind, for me safety wins. So please don't suggest putting everything in the latest meme-coin. 😉

This makes it slightly more difficult to put exact numbers on the 2025/2026/2027 plans, but roughly the following numbers should be achievable:

2025/2026/2027

Total Investment: 230/290/370k$

Dividend/month: 1100/1400/1700$

Anyways, that's all for now. Happy investing 📈, happy compounding💸!

Happy New Year everyone and may 2025 be good for you, your family and your portfolio.

#fire

#retirement

#financialfreedom

#dividends

#compoundeffect
#nextstop250k$

#1000dividendspermonth

I'm thinking of buying a high dividend ETF such as $SCHD as explained in https://www.youtube.com/watch?v=05muePC_hyo. I was however wondering if that is the right choice in Europe, since this has mostly US companies and may effect my result due to dividend taxes? Anybody an idea, or alternatives?

ROAD TO 20K before 2025 is getting closer! Half way there! 🥳

New buys in $O (+0,51%)
$GOOG (+0,52%)
$MO (+0,04%)
$SCHD
$V (+0,26%)

$SCHD Is the price of SCHD hung at a certain price all the day in getquin?! 🤔

Like it's not moving according to the live market price.

Too good not to share with the GetQuin community, recent interview I did of a fellow dividend investor. Colby breaks down the necessity to understand your investor profile and timeline - something I typically harp on and why I sold $JNJ (+0,31%) for $UNH (+0,95%) while also shrugging off $SCHD for $VOO (+0,04%) and $VGT (+0,02%)

Let me now what you think, feel free to be as ruthless as you care to be!

https://youtu.be/8oLy-DFokCI

Added $DGRO while having $SCHD - like them both.

IMO, 2 best dividend ETFs: small overlap, good total return and less risk.

We've reached yet another milestone 💚💚💚

With the big dividend payouts in September we have reached a new high of 1253.28$ for 09/2024. This marks the second time (after 06/2024 were I've reached a >1000$/month in dividend payment outs. 💰 I couldn't be happier, especially since this portfolio is only 10 months old.

For those you read my recent posts and are aware of my goals for this year and beyond, but here is a quick reminder.

My initial goal for 2024 was to have about 400$/month, when I saw how things progressed, I updated that to 500$/month, but looking ahead we are expected to end up with more than 800$/month, which would simply be insane. (TTM >650$/month)🤪

(For clarification I don't calculate that as TTM, but rather as the average of trailing 6 months, trailing 3 month, future 3 months, future 6 months. This is simply because I am still building my positions aggressively so that the trialing months significantly under-represent the status quo. I am aware of the uncertainty of future dividend payouts, which is why they are approximated conservatively. )

At the moment the total value of the portfolio stands at just above 170k$ with the plan for >180k$ end of 2024

>270k$ end of 2025

>370k$ end of 2026

I also decided to sell off one property and throw most of the money into the marker. If that happens the above number will be updated with my next post. I did lose my job recently, but hope something else comes up rather shortly, fingers crossed. 🤞This obviously also affects my investments.

My overall goal is to consistently have 4k$/month at my disposal for retirement (ideally without dipping into the principal of the investment). About 2k$/month will be provided by rental income and thinking that I will be more than one third to the 2k$/month needed from dividend payouts by the end of the year gets me very giddy.

This is the list of all dividends for this month:

$MAIN 21.81$

$MAIN 26.70$ (special dividend)

$JEPI 124.34$

$JEPQ 117.50$

$SPYI 102.43$

$QQQI 68.05$

$O 104.41$

$SPLG 67.10$

$SCHD 620.95$

________________

Total: 1253.28$

I also did some changes to the portfolio in minimizing the positions I hold.

I sold $MAIN (-0,23%) , $EPR (+0,14%) , $EPRT (+0,02%) and $VICI (+0,03%) not really because I don't thing they are good companies, but rather to stock up on securities I surely want to hold forever ($SCHD , $O (+0,51%) and $SPLG ) with some cash flow options like $QQQI and $SPYI sprinkled in for good measure.

I am sure there will be people saying that judging from that list, the portfolio is too conservative... and I would somewhat agree with you, but my objective is to build mainly a dividend portfolio that will consistently help with my expenses in retirement.

That being said, I am planning on expanding my $SPLG and $SCHD positions as well as adding to my cash for a potential market downturn so don't judge me too harshly.😜

Happy investing 📈, happy compounding💸!

#fire
#retirement
#financialfreedom
#dividends
#compoundeffect
#nextstop250k$

#1000dividendspermonth

$VOO (-0,34%) Monthly buy + $SCHD Monthly buy (3 shares)

Keeping it up 📈