Thursday, November 26, 2015

Monthly Report: October 2015

Happy Thanksgiving!  This is a day to celebrate and get together with loved ones and remember all the things we should be thankful for.  We all need to take a step back and count our blessings, especially considering the difficult circumstances others are facing in this world today.  I am so thankful to have a loving family, a wonderful wife, an adorable son, good health, a job, a roof over my head, food on the table, and clothes on my back.  I am very content with life.  And hopefully, I can aim to retire by 2041 via multiple streams of income.

I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.

Below is the monthly report as of October 31, 2015:

Taxable Dividend Income (Total: $32.06)
  • The Coca-Cola Company (KO) - $17.78 (Increased 13.18% from October of last year)
  • Dr Pepper Snapple Group, Inc. (DPS) - $0.12
  • Kimberly-Clark Corporation (KMB) - $8.95
  • Realty Income Corporation (O) - $5.21 (Increased 9.00% from October of last year)
    • Total taxable dividend income of $32.06 increased by 56.47% from October of last year.
New stock purchased this year are DPS and KMB.  Existing positions I added fresh capital to this year is KO.  All other dividend increases are from dividends reinvested and dividend raises from the companies.

You can see a schedule of all the taxable dividends I have received here.

Non-Taxable Dividends (Total: $97.64)
  • Vanguard Long-Term Bond Index Fund (VBLTX) - $97.64 (Increased 3.04% from October of last year)
    • Total non-taxable dividend income of $97.64 increased by 3.04% from October of last year.
The increase in dividends for this month compared to last October was below average.  An increase of 6-7% is what I consider average.  Of course, an increase is better than nothing.

You can see a schedule of all the non-taxable dividends I have received here.

Market Values (Total: $298,011.18)
  • Brokerage Accounts - $78,549.43 (Increased 10.16% from prior month)
  • Roth IRA - $54,028.94 (Increased 3.21% from prior month)
  • 401(k) - $165,432.81 (Increased 7.02% from prior month)
    • Total market value increased by 7.11% from prior month.
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income.  As long as the dividends keep coming and are increasing, I'm not too worried.  Nevertheless, it's still interesting to see how it is performing.

You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month here.

Savings Rate
  • 30.18%
Savings rate was excellent for this month.  Not the highest, but better than 15%, which is the savings rate I'm aiming for.

You can see a schedule of my savings rate by month here.

How did you do this month?


  1. Nice job with your savings rate. No need to beat yourself up over a 30% rate. By most measures you are way ahead of many. Nice to see that dividend income roll in as well. Keep sticking with those high quality dividend payers and watch that snowball grow.

    1. Hi DivHut,

      Thanks for the words of encouragement. What you said is true - a 30% savings rate isn't too bad compared to most Americans, although the higher the savings rate, the more capital I can deploy to investing in more dividend growth stocks or paying down my mortgage. Of course, I'm not looking to be so frugal that I don't get to enjoy the journey along the way.

      Thanks for stopping by and commenting.