Polliesdividend

Letter to my readers – 2017: Half year review

Dear reader, fellow DGI,

Wow time flies when you having fun. Half of 2017 is already behind us. So it is time again for my half-year review letter to my readers. Lets see what the first half of 2017 brought. Just as a reminder, see my blog post for my 2017 goals.

Why do I do a quarterly review, you ask. Well 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.

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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 2017.

 

  1. Receive €3,100 in dividends during the year of 2017.

In the first six month I received € 1,596.28 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.

 

Dividend Q1 Q2 Q3 Q4 Total
2014 90,11 509,38 226,04 289,32 1.114,85
2015 323,04 634,43 401,28 414,83 1.773,58
2016 511,80 769,88 1.148,63 649,08 3.079,38
2017 673,10  923,18

At this moment my projected dividend income for 2017 is € 3,048

 

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Okay lets look at the changes in my Vrijheid Fonds in the first half-year.

Every month I bought some mutual funds for my little “safe-haven-to-sleep-well ”. These are all high dividend funds.

In January I bought some Rabobank Certificates during its IPO. These certificates are a special kind of bonds that pay a set interest each quarter. They pay me €22.34 at the end of every quarter. For a detailed post: Rabobank certificates.

Furthermore I bought some extra JNJ in February. JNJ is one of my foundation stocks and always on my buy list. The stock has historically never been truly cheap. This because investors recognize and price great companies accordingly. I pulled my buy trigger during a small decline in the market. For a detailed post of this buy: Recent buy – JNJ

In April I bought also some TGT. With this stock also I pulled my buy trigger during a decline in the stock price (due to bad news). For a detailed post of this buy: New buy – Target (TGT).

And last but not least: In the first half of 2017 I have donated about €3,244 of fresh capital in my Vrijheid Fonds.

If I take a look at the rest of this year, I project at least 3 new stock purchases of about (€ 1,200 or $ 1,500) in 2017. If these purchases have a yield of 3% and there will be more dividends increases this year, I believe this goal (receive € 3,100 in dividend) for 2017 will be smashed.

For my Vrijheid Fonds there are two risks that need to be mentioned. First there is the euro/dollar exchange rate. And second the Brexit misery over here in Europe. I have no idea what will happen in Europe and the Brexit misery is just started. So it is hard to say what the exact influence will be.

And of course there is the awaited correction of the markets. But when will it start? When do the bears come out the woods? It is everybody’s guess.

I have been reading a lot about a big correction lately. I have seen wise men and so called gurus screaming on TV that a correction is coming. The number of ads on the TV that try to seduce people to start investing is increasing by the day. These are all signs that we reached the peak of the bull market.

But hey, I don’t care much about this news. I’m in it for the long run. And a correction always presents a good buying opportunities.

So I don’t see it as a risk but as an opportunity!

Grade: Passed!

 

  1. Save 40% of my net income in 2017, averaged monthly

As I told you in my 2017 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.

Regular visitors of Polliesdividend know this is the same goal as in 2016. Not all my saving will be used for investing. We are saving for some further home improvement or a new house and replacing our car (not a new car of course, but a new second hand car  😎  ). At the time of writing this post, we haven’t made are mind up: Home improvement of buying a new house.

Of course I pay myself first every month after I receive my pay check (practice what you preach 😉 ). I also save money in our family savings account for holidays, (medical) insurances, emergency fund, etc. Just the normal things! And we also have a college fund for our kids. This is a separate account, with mutual funds. And you guessed it; this is for putting our kids through college when they are older.

In Q2 of 2017 I have saved a total of 44% of my net income. Yeah, I’m well on my way to achieve this goal.

Grade: Passing!

 

  1. Invest a total of € 7,000 new cash

In order to let my Vrijheid Fonds grow, it needs fresh cash. In the first half of 2017 I added € 3,244 of fresh capital. I’m certain that with these donations the year-end goal will be achievable. For now, I’m well on my way!

Grade: Passing!

 

  1. Write a least 100 post on Polliesdividend!

When writing my investing decisions down, it helps me to make better decisions. And it also helps me to track my progress. That’s why I started Polliesdividend. And it is still works for me. And besides I’m starting to really like it. Especially when I got feedback from you, my dear readers.

This will be my 40th! Post this year. So I’m a little bit behind in this goal. And yes with all the balancing going on between, work, private live and Polliesdividend.com, I think this goal will be hard to achieve. I will do my utmost to write as much posts as possible. But for now, I’m very happy and proud of myself.

But before we go off to my last goal, first lets take a look at the statistics of my website:

  • Number of views: 14,455
  • Number of visitors: 4,908
  • Number of comments: 186

 

Views Q1 Q2 Q3 Q4 Total
2015 6,488 6,017 5,108 6,926 24,539
2016 8,085 6,990 7,048 6,533 28,656
2017 6,975  7,480 14,455

 

Visitors Q1 Q2 Q3 Q4 Total
2015 2,395 6,017 2,129 2,515 13,056
2016 2,844 2,934 2,519 2,084 10,381
2017 2,413  2,490 4,908

 

Comments Q1 Q2 Q3 Q4 Total
2015 169 152 108 96 525
2016 129 89 121 128 467
2017 99  87 186

 

As I wrote in my Q1 report, I saw a decline in views, visitors and interaction. I worked hard on this and still think I can bend this trend and let 2017 be a record year!

For now I’m happy with the rise of the number of views. This gives good hope for the rest of 2017. Thank you all for stopping by my site and reading my post. I really appreciate it.

Top 5 bog posts:

  1. My goals for 2017
  2. May 2017 – Month review of my Vrijheid Fonds
  3. When do I reach FI? – Post 2017
  4. New buy – JNJ
  5. The snowball effect – Book Review

Top 5 countries from which people read my blog:

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

 

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

Grade: In need of some extra TLC

 

  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 been going to the gym (almost) two times a week. My mental sharpening I did by reading three books and numerous articles on blogs on the Internet.

The first book I read was “The snowball effect”. You can read my book review in this blog post over “The snowball effect”.

The second book I read was “The little book that builds wealth”. You can read my book review in this blog post over “The little book that builds wealth”.

The third book I read was “ The Automatic Millionaire”. You can read my book review in this blog post over” The Automatic Millionaire”.

Furthermore I followed one webinar about taxes and investing.

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!

Grade: Passing!

 

Key Statistics Vrijheid Fonds:

Some key statistics on my Vrijheid Fonds for the first half of 2017:

Net Value: € 81,740
Growth Net value (from 1/1/17): -0.8%
Fresh Capital: € 3,244
Dividend Income: € 1,596.28
Number of stocks: 25
New addition: Mutual Funds, 15 JNJ, 34 TGT, 55 Certificates Rabobank, 11 RDSA (Drip) and 2 UN (Drip).
Number of dividend increases: 17
Number of dividend decreases: 0
Percentage Dollar stocks: 51%

 

Miscellaneous

Side hustle
In May I was finally accepted by Google for using Google AdSense on my website. Furthermore I registered on Amazon (US and UK) and Bol.com for their affiliate programs. With these actions I hope to diversify my passive income. I will write a post about this later this year.

 

Teaching my Kids
I wrote three more post in my series about teaching my kids.

Foreword – For my Daughters

The pay-out Ratio

The Secret

For a complete summary of this series:

Summary

 

Researching companies
I did only one post on my company researches (shame on you Pollie) and it was on TGT. I did more just one research, I looked into way more companies, but didn’t post this on my website.
In the second half of 2017 I need to publish more of my research.

 

Conclusion

Well, things are looking pretty good. I’m will be passing at least four of my five goals and with some extra TLC I also reach the other goal.

How about you? How are you doing with your goals for 2017? Passing or failing?

Thanks for reading!

Cheers,

Pollie

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16 thoughts on “Letter to my readers – 2017: Half year review

  1. Tall Investing

    Pollie,

    What a great H1 report, I am impressed! I just put up my June Portfolio Update, but am already prepping my own H1 goal check-in. Like yourself I like to write these things so much 🙂

    Keep up the good work, you are doing very well and it will only be better going forward.

    1. Pollie Post author

      Hello TI,

      Thanks, it is very therapeutic to write a H1 report. And it helps me to be a better investor.

      I’m looking forward to your report,

      Cheers,

      Pollie

    1. Pollie Post author

      Hello Mr.Robot,
      Thanks for your kind words!
      It is always fun to do some data mining with your own data 😀
      I’m still an engineer! So some magic with numbers is really fun.

      Cheers,

      Pollie

  2. Leon

    Nice post pollie.
    I love your plan. I’m not investing on stocks for dividend right now, bus saving to buy gold stocks next month. They are very low at the moment. So when a crisis comes or war (north Korea, qatar, etc) they will peak very quick. Then i sell them and buy dividend stocks again.

    1. Pollie Post author

      Hello Leon,

      What a nice plan, and I hope it works for you. However I hope things will be sorted out at the negotiation table.
      Let me know when you have bought the gold stocks.

      Cheers,

      Pollie

  3. WL

    Great record keeping! It’s really nice to see that many statistics! Thanks for sharing again and keep up the good work of inspiring others to do the same!
    Cheers,

    WL

  4. Duncan's Dividends

    Hey Pollie,

    Great write up and goals, doing my part here to help with the readership numbers 🙂 Saving 40% is a fantastic number. I’m at just over 30% of my yearly salary right now already which I hand’t even looked at thus far this year. Keep up the great work!

  5. Pursuit2Freedom

    Nice overview Pollie!

    It gives you good insight in your investing journey and it helps with making future decisions. Also, your results seem to be quite good!

    I will publish my half year report within a week from now. Just got back from Holidays, so quite month on my site.

    Success with the journey!

    1. Pollie Post author

      Hello P2F,

      I hope you had a nice holiday!
      Thanks for your kind words. I’m proud of the progress I made.
      Looking forward to reading your half-year report.

      Cheers,

      Pollie

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