August 2015 – Dividend income and portfolio update

Here’s a long overdue description of my August dividend income and portfolio update, as I catch up with my reports.

Most of my portfolio is actually in Vanguard funds; the individual stock portion is steadily growing and the portfolio as a whole is slowly tilting towards individual stocks and stock funds as I’m not purchasing any more bond funds. But we’ll start with income first and then go over the portfolio allocation.

Dividend Income

My total dividend income from my portfolio in August was $387, an increase of 10% compared to July’s $347. The stock funds in my portfolio don’t pay dividends in July & August so this amount will increase significantly in September. Back in August 2014, I earned $312 so this is an increase of 24% over the same time last year!

The following chart shows the cumulative dividend income so far this year compared to previous years. No significant achievements to mention this month except for the continued onward and upward progress.

My total income at this point in the year hasn’t beaten my total from September last year, but it’s very close and I’m wondering if the additional dividend income next month will be enough to beat the total income through November 2014.

Income breakdown

The chart below shows what contributed to my total income of $387 this month.

I received income from individual stocks as well as from two of my four Vanguard mutual funds.

Dividend income from stocks

9 stocks paid dividends this month as shown below.

The yield calculations are annualized, or extended forward a year based on the current dividend payment against the market value. The value amounts include contributions from stocks added after the ex-dividend date so yield shown may be a little lower than the current yield.

Dividend income from funds

I received most of my income this month from my two bond funds, VWEAX (Vanguard High-Yield Corporate Bonds) and VWESX (Vanguard Long-Term Investment Fund). These pay their distributions monthly and the distributions are taxed as normal income and not the lower qualified dividend rate. The two stock funds that I own pay quarterly income so they only show up in March, June, September and December.

My Income Portfolio

Here’s an overview of my Portfolio and how it’s made up as of the end of August 2015.

My Portfolio consists of individual dividend stocks as well as 4 Vanguard mutual funds and cash. There’s not much change in the allocation from last month. The bond portion is up a percentage point from last month as the stock value dropped a lot more than the bonds did this month.

Asset Allocation

The following table shows the detailed asset allocation in my portfolio.

Portfolio Performance

Overall this month my portfolio decreased by $3,521 to $204,159, a decrease of 1.7% from last month’s $207,680.

In August I added $4,142 of new capital to my portfolio as a mixture of cash and stock fund purchases. In addition to that, I purchased $1,400 of VHDYX and $500 of VTIAX via recurring automatic purchases. Finally I added $2,242 of new cash to my cash reserves.

Since the overall decrease in portfolio value was $3,521 and I added $4,142 of new money, this implies a real market decrease of $7,663 or about 3.7%. Overall however my current portfolio total is now $29,293 higher than at the end of last year.

 

Quote of the Day

Your success depends mainly upon what you think of yourself and whether you believe in yourself.

0 thoughts on “August 2015 – Dividend income and portfolio update”

    1. Hi DFG,
      Yes it’s true that I’m not desperately looking to invest my cash reserves when the stock market is on the higher side; but to be honest the main thing is just that I’ve been lazy!

      Aside from my monthly stock trade, I automatically invest ~ $250 a week every Tuesday in the Vanguard funds. And that spending rate is less than the extra cash I’ve been moving over from my savings to my investment accounts. I’m about done with the reallocation as of this month so I should be holding steady or spending some of the cash reserves going forward.

      Best wishes,
      -DL

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