Friday, August 12, 2016

Monthly Report: July 2016

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 July 31, 2016:

Taxable Dividend Income (Total: $34.72)
  • The Coca-Cola Company (KO) - $19.30 (Increased 10.48% YOY)
  • Dr Pepper Snapple Group, Inc. (DPS) - $0.14 (Increased 16.67% YOY)
  • Kimberly-Clark Corporation (KMB) - $9.56 (Increased 7.78% YOY)
  • The Kraft Heinz Company (KHC) - $0.09 (Decreased 96.48% YOY)
  • Realty Income Corporation (O) - $5.63 (Increased 93.75% YOY)
    • Total taxable dividend income of $34.72 increased 0.81% YOY.
All dividend increases are from dividends reinvested and dividend raises from the companies.  There was a huge decrease in dividend income for KHC from July of last year.  The reason for the large decrease is because KHC paid out a special dividend in July of last year.  If you don't factor in the special dividend, the YOY increase for KHC is actually 12.5%!   I'm very happy with the total YOY dividend increase.

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

Non-Taxable Dividends (Total: $97.41)
  • Vanguard Long-Term Bond Index Fund (VBLTX) - $97.41 (Decreased 1.34% YOY)
    • Total non-taxable dividend income of $97.41 decreased 1.34% YOY.
I'm disappointed in the YOY decrease from last year.  Before I learned about dividend growth investing, I had invested strictly in mutual funds for my Roth IRA account.  And at the time, I had only invested in two Vanguard mutual funds -- one bond fund for monthly income (VBLTX), and another stock fund for growth and quarterly dividends (VGSLX).  I think moving forward, I will invest in individual dividend growth stocks for my Roth IRA.  If I really want to hedge my bets, I will probably not invest more than $3,000-$5,500 to our combined Roth IRA accounts.

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

Market Values (Total: $343,975.74)
  • Brokerage Accounts - $88,058.29 (Increased 4.16% from prior month)
  • Roth IRA - $66,245.29 (Increased 3.24% from prior month)
  • 401(k) - $189,672.16 (Increased 4.32% from prior month)
    • Total market value decreased by 1.88% 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
  • 22.68%
This isn't the greatest savings rate, but it's above my savings rate target of 20% for this year.  Now that my mortgage is paid off, the months that real estate taxes are due are going to have lower savings rates in general.

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

How did you do this month?

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