Polliesdividend

Letter to my readers – 2015: Half year review

Half of 2015 is already behind us. Wow time really flies. So here is my half-year review letter to my readers. Lets see what the first half of 2015 brought. Just as a reminder, see this blog post for my 2015 goals.

In my Q1 review of 2015 I told you why I do a quarterly review. There are actually a couple of reasons (besides because its fun to write). By doing my own review periodically it will help me understand whether I’m on course to meeting my goals, or whether I need to change my strategy or tactics.

It also helps me to stay focused on actively managing my Vrijheid Fonds. And I believe it helps me, through reflecting on the past, to be a better DGI.

So lets take a look at my five goals for 2015.

  1. Receive € 1,750 in dividends during the year of 2015.

In the first six month I received € 957.46 in dividend income. Normally the first half of a year is the biggest half-year in dividend. I’m happy with this amount of passive income. I managed to have an increase in dividends every month in comparison to last year. My projected dividend income for 2015 is € 1,721.05

With enough cash in my broker account for two more purchases in the near future, it looks like I will be reaching my goal. In my Q1 review I told you readers that I need to gear up a little to achieve this goal. Well things can change in three months 😉

If I take a look at the rest of this year, I project at least 4 new stock purchases of about (€ 1,200 or $ 1,500) in 2015. If these purchases have a yield of 3% and there will be more dividends increases this year, I believe I will blow this goal to smithereens.

Just like last quarter, there is two risk that needs to be mentioned. First there is the euro/dollar exchange rate. And second the Greek misery over here in Europe.

My attention is not only on European stocks anymore. I also turned back to familiar ground, US-stocks. In Europe there are two stocks I’m looking at. Those are Munich Re and Ambev. The small downside of European stocks is that most of them only pay yearly dividend.

I’m well on my way for reaching this goal!

Grade: Passing!

  1. Save 40% of my net income in 2015, averaged monthly

As I told you in my 2015 goals Post, I want to save 40% of my income from my day job. This is a high percentage, but I think it will be possible.

Not all this savings will go to my Vrijheid Fonds. Here I will break my savings down.

  • College fund kids: 2%
  • Home improvement: 14%
  • Savings accounts: 16%
  • Vrijheid Fonds: 14%

As I already told in an earlier post, my wife and I are saving for some home improvement at the end of this year. We want a new bathroom. As you can imagine a lot of cash is going that way. The saving accounts are used for holidays, (medical) insurances, emergency fund, etc. Just the normal things. And the college fund for my kids is a separate account, with mutual funds. And you guessed it; this is for putting our kids through college when they are older.

As you can see, I have saved a total of 46% of my net income. Yeah, I’m well on my way to achieve this goal.

Grade: Passing!

  1. Invest a total of € 5,000 new cash

In order to let my Vrijheid Fonds grow, it needs fresh cash. The second quarter I added € 1,200 of fresh capital. With € 2,400 of fresh capital to my Vrijheid Fonds in the first two quarters, the year-end goal will be achievable. For now, I’m well on my way!

Grade: Passing!

  1. Write a least 50 post on Polliesdividend!

I really start to like writing my investment decisions down. This first half-year I wrote a lot of post. And looking back on them I can say, it really helps me to make better decisions. And gives a nice overview of my journey.

And what really brought a smile to my face, were the numerous feedback I got from you, my dear readers.

This will be my 45th! post this year. So I think I will achieve this goal (understatement). For now, I’m very happy and proud of myself. I think I have to upgrade my goal. My new goal must be challenging, so I’ll set it at 100 posts!

But before we go off to my last goal, first lets take a look at the statistics of my website. There are still some hours left in June, but I’ll post this letter now, so the numbers can only be better!

  • Number of views: 12,505
  • Number of visitors: 4,640
  • Number of comments: 321

Top 5 bog posts:

  1. Some impressive stocks
  2. Letter to my readers – 2015 – Q1
  3. Omega Healthcare Investors inc. – (OHI) Stock analysis Pollie Style
  4. Recent buy – CVX
  5. A new bubble?

Top 5 countries from which people read my blog:

  1. USA
  2. Netherlands
  3. Spain
  4. Germany
  5. Canada

All in all it is been a good half-year for polliesdividend.wordpress.com.

Grade: Adjusted!

  1. Invest in my self by following a course or webinars.

Stephen Covey called it Sharpen the Saw. I think it is important to keep educate yourself. And of course maintain good health.

For my physical sharpening I have still been going to the gym two times a week in this first quarter. My mental sharpening I did by following five webinars. All these webinairs were on basic investment knowledge.

And of course I continued to read blogs of fellow DGI’s and articles on Seeking Alpha. This gave me new insights on some investing issues. What a present for me it was!

I already achieved my goal. So it is time to adjust my goal. My new goals for 2015 will be to follow a webinar/e-course every quarter.

Grade: Passing and adjusted! 

Key Statistics Vrijheid Fonds:

Some key statistics on my Vrijheid Fonds for the second quarter of 2015:

Net Value: € 56,467
Growth Net value (from 1/1/15): 12.82%
Fresh Capital: € 2,400
Dividend Income: € 957.24
Number of stocks: 20
New addition: 18 stocks of PG, 32 stocks of MSFT, 40 stocks of OHI, 3 RDSA (Drip) and 1 UN (Drip).
Number of dividend increases: 6
Percentage Dollar stocks: 42.59%

Conclusion

Well, things are looking pretty good. I’m will be passing all my five goals, and I adjusted two goals.

How about you? How are you doing with your goals for 2015? Passing or failing?

Thanks for reading!

Cheers,

Pollie

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15 thoughts on “Letter to my readers – 2015: Half year review

  1. Div4son

    Congratulations on your goals. I like your new purchases PG, MSFT and OHI – all pretty solid companies. I look forward to your investment endeavors in the 2nd half of the year.
    D4s

  2. The Dividend Drive

    A great first half of the year! Well done! With the fresh purchases I am sure you will be able to easily beat your dividend income total for the year! Will be fascinating to see where you put your new funds!

    1. polliesdividend Post author

      Thanks DD,
      With some frsh purchases I will definitely reach my dividend income total. And hopefully go way beyond my goal.
      I hope the drop in stock prices from the beginning of this week will continu. I’m ready to pull the buy trigger!

      Cheers,

      Pollie

  3. KeithX13

    Good job, Pollie. Always nice to meet or beat your goals. Your savings rate is fantastic.

    I have been buying REITs and utilities recently. The threat of an interest rate hike is bringing them back into fair value. OHI is attractive, and I like VTR and WPC also. Even O is getting to the point where you can start buying shares although you pay a premium for the long track record and stability of that REIT. For electric utilities, SO and WEC seem to be good prospects but for different reasons. SO has problems getting new nuclear power plants on line and, therefore, has a yield over 5%. WEC, on the other hand, is growing earnings faster than most utilities but only yields 3.75%. I added to WPC yesterday and plan on selling GOOGL today and adding to WEC and O. GOOGL is a great company and I have made about 35% on my investment, but the lack of a dividend means that it doesn’t fit my DGI portfolio.

    I hope things work out in the EU. Greece has been a mess for a few years now. I hope they get a solution that is fair and equitable for everyone.
    Be blessed,
    Keith

  4. Ziur

    Saludos from Spain! I guess Im not the only one to pass by here. I like your blog and your pollie-code, its a nice point of view.

    Sorry my english isnt good 😛 Keep going!

  5. DivGuy

    All positive! Congrats on that mid-year success! You’re right, you’ll be achieving them all and surpass some by the end of the year. That is awesome. Now you can start thinking higher for 2016! 😉

    Cheers,

    Mike

  6. Dividend Mantra

    Pollie,

    Way to go. You’re killing those goals, bud. 2015 is turning out to be a banner year for you.

    Looks like you’ve set yourself up for a great second half as well. Excited to see how it goes for you.

    Keep it up!

    Cheers.

    1. polliesdividend Post author

      Hello Jason,
      Thanks for stopping by and your kind words.
      2015 will be a great year for me, i agree with you on that.
      With my holdings I think the second half of 2015 will also be great.
      However it is getting harder to find undervalued stocks to invest in.
      I found some european stocks but they pay dividend only once a year. So I’m not sure yet about investing in these stocks. With Quartely dividend i can selectively reinvest my dividend quicker. And let my snowball get momentum.

      Cheers,

      Pollie

    2. polliesdividend Post author

      Hello Jason,
      Thanks for stopping by and your kind words.
      2015 will be a great year for me, i agree with you on that.
      With my holdings I think the second half of 2015 will also be great.
      However it is getting harder to find undervalued stocks to invest in.
      I found some european stocks but they pay dividend only once a year. So I’m not sure yet about investing in these stocks. With Quartely dividend i can selectively reinvest my dividend quicker. And let my snowball get momentum.

      Cheers,

      Pollie

  7. roadmap2retire

    Congrats on the awesome progress, Pollie. Looks like you are well on your way to conquer the goals this year!

    Keep up the great work and thanks for sharing

    R2R

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