2016 IRA Portfolio 2

2016 Dividend Tracker IRA Portfolio #2
Click Here to see Portfolio Allocation Model 

US Funds

Allocation Ticker Number
Of Shares
JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Total
Dividends
Position Sold At A Profit or Loss
10% PFF 60 $14.30 $7.85 $8.86 $8.65 $9.28 $9.71 $9.53 $9.86 $9.39 $9.24 $9.84 $23.13 $140.58
5% USMV 31   $6.43   $7.39  111111 $125.1 $7.55 $125.19 $125.19 9.68 $31.05
5% DVY 22 $13.86 $14.85 $15.25 $15.34 $59.30
5% FLGEX 164 $25.72 $25.72
5% FLPSX 86 $126.61 $79.03 $205.64

US Real Estate

Allocation Ticker Number
Of Shares
JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Total
Dividends
Position Sold At A Profit or Loss
5% FRIFX 221 $14.30 $14.30 $8.86   $1uu9 $28.34  111111  111111  $46.06 $125.19 $125.19 $46.70 $129.96 $125.19
5% FREL 9 _____ ____ $1.76 $2.49 $4.25

Non-US Funds

Allocation Ticker Number
Of Shares
JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Total
Dividends
Position Sold At A Profit or Loss
5% IFGL 46 $9.b53 $b9.53 $9.41   $9.53  $13.87  111111  111111 $10.03 $293.21 $293.21 $60.05 $93.36
5% EFAV 10 $10.03 $14.11 $24.14
5% IDV 69 $13.83 $32.56 $20.34 $11.11 $77.84
5% GLFOX 189 $8.79  $8.76 $9.41  $4.01 $52.47 $83.44

Bonds

 Allocation Ticker Number
Of Shares
JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Total
Dividends
Position Sold At A Profit or Loss
15% FNMIX 244 $32.23 $30.21 $18.29 $17.37 $17.41 $18.54 $18.25 $18.40 $17.20 $18.33 $17.55 $52.35 $276.12
10% FTBFX 305 $0.15 $4.44 $4.33 $4.42 $5.90 $7.34 $7.36 $7.24 $12.50 $7.00 $14.32 $85.09
15% FAGIX 307 $8.50 $7.79 $8.51 $8.29 $8.87 $8.52 $8.77 $8.82 $8.65 $9.71 $9.80 $15.13 $102.84

Stocks

Allocation Ticker Number
Of Shares
JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Total
Dividends
Position Sold At A Profit or Loss
0% KNOP 88 $45.86 $45.76 $45.76 $45.76 $183.14
0% CMRE 155 _____ _____ _____ $15.50 $15.50
0% SXCP 104  $8.50 _______  $8k.29 ______ ______ ______  $8h.5j0 $61.78 $61.78
0% LADR 125 ______ _____ ______ $34.38 $34.38

High-Risk High-Yield Funds

Allocation Ticker Number
Of Shares
JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Total
Dividends
Position Sold At A Profit or Loss
0% CEFL 100 $35.28 $21.09 $21.74 $27.31 $27.09 $24.03 $31.91 $27.55 $24.47 $32.59 $25.77 $24.79 $323.57
0% MORL 50 $35.98 $1.95 $1.82 $27.92 $6.47 $1.62 $30.98 $7.38 $1.73 $33.86 $3.88 $1.62 $155.24
0% SLVO 84 $3.08 $10.88 $13.22 $6.81 $11.10 $10.25 $15.72 $22.51 $9.95 $9.47 $5.18 $7.67 $125.85
0% YMLP 34 $30.86 $16.24 $5.04 $19.80 $16.56 $88.50
0% YYY 100 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $16.00 $192.00
0% REM 62 $64.33 $64.46 $68.94 $16.41 $51.29 $265.73
0% ISD 100 $11.00 $11.00 $11.00 $11.00 $11.00 $11.00 $11.00 $11.00 $88.00 $1.57 
0% KBWD 100 $14.00 $16.00 $18.00 $21.00 $17.97 $17.35 $17.43 $17.09 $15.11 $13.48 $16.00 $16.00 $199.43
0% FSRFX 84 ____ $148.61 $148.61

Monthly Portfolio And Dividend Totals

  JAN FEB MAR APRIL MAY JUNE JULY AUG SEPT OCT NOV DEC Running Total Year End
Dividend Monthly Totals $170.37 $199.65 $247.39 $140.03 $191.61 $308.22 $166.93 $220.94 $435.71 $189.56 $205.25 $749.39 $3,225.05 $3,225.05 
Dividend YTD $170.37 $370.02 $617.41 $757.44 $949.05 $1,257.27 $1,424.20 $1,645.14 $2,080.85 $2,270.41 $2,475.66 $3,225.05
Dividend Monthly Average  $170.37  $185.01  $205.80  $189.36  $189.81  $209.54  $203.48  $205.64  $231.21  $227.41  $225.06 $268.75
End Of Month Balance $45,188 $46,224 $49,006 $49.901 $49,975 $50,541 $52,479 $55,354 $56,156 $54,992  $56,131  $57,350
Deposits

Trade Diary – (Current monies deposited via 401K rollovers, deposits, minus withdraws =  $51,975.69)

Jan 4th purchase: Used December’s dividends to buy another 5 shares of DVY at $74.22 each.

Feb 1st purchase: Used January’s dividends to buy another 7 shares of IDV at $27.04 each.

Feb 28th change: Sold $3,000 worth of FNMIX and purchased FJRLX. These are both Bond Funds. The change balances the total bond holdings to align more with the Barclay’s Aggregate Index, since FJRLX is a short-term investment-grade bond fund and the other two bond funds in the portfolio are not.

Mar 1st purchase: Used February’s dividends to buy another 18 shares of FJRLX at $11.38 each.

First Quarter Update

The Core Portfolio continues to increase in value through dividend reinvesting. Several funds are up (core) and several are down (high-risk). After 1 year and 4 months the portfolio has nearly equaled the starting deposit of $49,321. All funds are strong dividend payers so lets hope for the best.

Current allocation is on track but I am shifting from a “Growth” allocation to “Aggressive Growth”. Based on my wife’s age it makes more sense to be a bit more aggressive. This means I will maintain the portfolio’s current allocation of 70% stock, 30% bonds.

In the first three months my IRA (P1) generated $1,446.40 in total profits. My wife’s IRA (P2) generated $617.41 in dividends, for a grand total of $2,063.81 or $688 per month.

April 1st purchase: Used March’s dividends to purchase another  6 shares of PFF at $38.75 each.

May 2nd purchase: Used April’s dividends to purchase another  4 shares of PFF. Note: FLGEX and FSRFX did not pay in April, bummer. They are semi-annual payers, supposed to be April/December. No word from Fidelity why.

June 1st purchase: Used May’s dividends to purchase another 6 shares of IDV at $29.26 each.

Second Quarter Update: Cindy’s portfolio is in the GREEN, yea! $1,257 in dividends the first six month’s. Add that to the profit from my IRA and we generated $3,958 dividends and sales, $660 per month.

July 1st purchase: Used June’s dividends to purchase another 18 shares of GLFOX.

August 1st purchase: Used July’s dividends to purchase 9 shares of FREL.

August 29th: Wife was laid off last month so I rolled over the 401k. $2,654.05 giving a new  “deposits” total of $51,975.69.

August 29th: Used the rollover proceeds to purchase CMRE. Costamare Inc. owns and charters 72 containerships and at my purchase price the current dividend is 13.39% annualized. Also purchased SXCP. SunCoke Energy Partners produces and sells coke used in the blast furnace production of steel. At my purchase price the current dividend is 19.07 annualized.

Sept 1st update: I rolled over my wife’s old 401k into this IRA in 12/14 and set up a plan. Buy NTF (No transaction fee) Funds and ETF’s following a 70/30 stock/bond model and use a hand-full of high dividend paying funds, ETF’s and ETN’s to finance the buying of more shares of the Core Portfolio.

I think it’s time to sell ISD, one of the high dividend ETF’s. It only pays 6.6%, which is good, but it has a 1.5% expense ratio, not good. I’m looking at LADR, which is a stock, pays 17.54% dividend at cost, and 0f course, no expense fees. If ISD goes to GREEN tomorrow I’ll pull the trigger.

Sept 2nd: Sold ISD and used the proceeds to buy LADR.

Sept 19th: Had $196 in cash, bought another 20 shares of FAGIX.

Third Quarter Update: Portfolio continues to trend up in value. In the first nine months it has averaged $231 per month in dividends. When adding my portfolio dividends/sales we come to a total of $690 per month.

Oct 3rd: Used cash balance to purchase another 20 shares of FAGIX.

Nov 2nd: Used cash balance to purchased another 5 shares of PFF.

Dec 1st: Used cash balance to purchase another 7 shares of IDV.

Dec 2nd: Received $33.77 in Capital Gains from FNMIX. This will be one of many funds paying Capital Gains and Dividends in December so you will see an unusual dividend increase this month. YEA. Last year Cindy’s portfolio generated $2,599 in the first 11 months and $970 in December. That’s an average of $236 per month but bumps up to a $300 average by adding Decembers payments.

This year we logged average monthly  payments of $225 in the first eleven months, a bit less due to YMLP underperforming. We received $201.88 last year from YMLP versus $88.50 this year. I’d sell it but it’s in the red $900, which should turn around if, and when, Saudi cuts back production. Low oil prices are also why this fund underperformed. It’s an oil related ETF and when prices are low dividends are low.

I also purchased CMRE, SXCP, and LADR late in the year only capturing 0ne quarters worth of dividends for each. Next year, having received a full four quarters of dividends it should bump up our payments an average of $40 per month.

Forth Quarter Update: Cindy’s IRA generated $3,225.05, or $265 monthly average, in dividends. Overall the portfolio is up $5,375 over the initial 401k rollover amount, after two years. This is not good enough and I will sell most mutual funds and ETF’s and transition the portfolio into a totally different strategy. More on that at the 2017 tracker…

My IRA generated $2,489 in dividends (includes Coke stock in employer 401k) and $4,377 from buying and selling 14 equities. That gives us a combined total, in just dividends, of $5,714, or $476 monthly. If I add the profit of the 14 equities I bought and sold the total is $10,091, or $840 monthly average.