Polliesdividend

Portfolio

My Vrijheid Fonds (Freedom Fund) date July 1, 2020. Keep in mind that all amounts are in EURO’s.

Company Stock Ticker Shares Cost Base Market value
Ahold AEX AH 444 3,506 10,771
Bayer DAX BAYN 12 1,186 789
NN Group NV AEX NN 163 4,669 4,809
Royal Dutch Shell AEX RDS 455 6,780 6,551
Unilever AEX UN 255 6,475 12,096
3M DJ MMM 49 7,423 6,807
AbbVie DJ ABBV 44 3,042 3,851
Aflac DJ AFL 48 1,076 1,540
Archer-Daniels-Midland DJ ADM 41 1,369 1,456
AT&T DJ T 155 4,325 4,178
Billiton – PLC DJ BBL 30 1,276 1,099
Chevron DJ CVX 36 3,229 2,863
Coca Cola DJ KO 80 2,403 3,187
Consolidated Edison DJ ED 24 1,590 1,538
Franklin Resources DJ BEN 157 4,303 2,932
Johnson& Johnson DJ JNJ 45 3,903 5,642
McDonalds DJ MCD 21 1,550 3,453
Microsoft DJ MSFT 32 1,384 5,801
Omega Healthcare Investment DJ OHI 144 4,438 3,871
Procter & Gamble DJ PG 38 2,656 4,051
Realty Income DJ O 120 4,867 6,352
South 32 LTD DJ SOUHY 12 0 74
The Southern Company DJ SO 50 2,033 2,310
Target DJ TGT 70 3,342 7,479
Vereit DJ VER 100 974 572
Wal-Mart Stores DJ WMT 45 2,669 4,802
Mutual funds & Bonds 16,756 13,739
Cash 2,107
Total 97,222 124,723

Full Disclosure: I am long in all stocks listed above. Please see my Disclaimer Page.

 

Market Value

 

2020

January 1 – €135,643
February 1 – €135,586
March 1 – € 125,615
April 1 – € 109.806
May 1 – € 120,505
June 1 – € 123,648
July 1 – € 124,723

 

2019

January 1 – €102,429
February 1 – € 108,115
March 1 – € 109,242
April 1 – € 116,245
May 1 – € 116,437
June1 – € 116,859
July 1 – € 122,395
August 1 – € 122,740
September 1 – € 126,067
October 1 – € 132,186
November 1 € 131,341
December 1 € 135,363

2018

1 January – € 90,894
1 February – € 90,167
1 March – € 86,763
1 April – € 88,166
1 May – € 92,832
1 June – € 95,505
1 July – € 97,526
1 August – € 101,135
1 September – € 102,220
1 October – € 102,985
1 November – € 103,779
1 December – € 107,422

2017

1 January – € 79,156
1 February – € 77,585
1 March – € 79,099
1 April – € 82,756
1 May – € 82,757
1 June – € 83,498
1 July – € 81,740
1 August – € 82,726
1 September € 81,851
1 October € 84,924
1 November € 88,335
1 December € 89,148

2016

1 December – €74,223
1 November – € 72,564
1 October – € 72,952
1 september – € 72,788
1 august – € 73,154
1 July – € 72,090
1 june – €68,251
1 may – € 66,119
1 April – € 66,076
1 March – € 64,630
1 February – € 64,523
1 January – € 63,965

2015

1 December – €63.883
1 November – € 60.251
1 October – € 54.950
1 September – € 55,193
1 August – € 59,459
1 July – € 56,467
1 June – € 58,671
1 May – € 57,714
1 April – € 58,162
1 March – € 56,476
1 February – € 53,664
1 January – € 50,050

2014

1 December – € 36,750
1 November – € 35,519
1 October – € 35,260
1 September – € 34,263
1 August – € 31,900
1 July – € 26,254

41 thoughts on “Portfolio

  1. DividendMongrel

    I am thinking of adding AHOLD as a stock in my portfolio because I think this company will continue to grow here in the U.S. They currently have a bunch of Stop and Shop stores in New England and this is where I do most of my grocery shopping. How well has this company done for you since you have been a shareholder?

    1. polliesdividend Post author

      Hello dividendmongrel,

      Thanks for your post.
      Ahold has been good to my portfolio.
      Once a year a good dividend and this stock price gave risen.
      So no complaining.
      A couple of months ago they did a reverse stock split.
      The fundamentals still look good.
      Cheers,
      Pollie

  2. Monsieur Dividende

    I like your portfolio Pollies. Not too crowded but sill very effectivement companies. My kind of play! Keep up the good work and don’t let the surrounding noises cloud your judgment. All is well!

    1. polliesdividend Post author

      Bonjour Monsieur Dividende,

      Thanks for stopping by, and your kind words!
      At this moment i have 17 different kind of stocks. Abd still hungry for more 😀
      I do not want to say “my portfolio consist of max…. Stocks”
      If i analyse a stock, and think it is buyable, and it is a good addition to my Vrijheid Fonds, then I will buy it.
      I’ll keep you posted!

      Cheers,
      Pollie

  3. Dividend Fish

    Hi Pollie,

    Any plans to diversify more to European stocks? The prices seem cheaper than US stocks currently. And you also face the EUR/USD exchange rate issue nowadays, making US stock even more expensive for Europeans like you and me. Plus it looks like when the Greece-deal is done, the Euro-stocks will rally again.

    Best regards,
    Dividend Fish

    1. polliesdividend Post author

      Hello Dividend Fish,
      I’m looking at european stocks but also at us stocks
      European stocks are not real great dividend payers. So that is a negative point.
      But at this moment i look at ambev and munich re

      Cheers,

      Pollie

      1. Justme

        For us Europeans that’s really an issue. No real great dividend players, so I turn to the US but the current EUR/USD is not so great. Current EUR/USD 1,12 but if it goes back to 1,40………However, I just purchased WPC (tomorrow ex-div date) and will hold it for the long run. Current yield for WPC is 6.2% and stock has been beaten down, while fundamentals are great.

        1. polliesdividend Post author

          Yes the current exchange rate is not great.
          But if you have the intention to hold the stocks for the long run, then the excange rate is not that big.

          I have this intention, so exchange rate are fine, but not a real big issue.

          However I like to have a diversified portfolio and some extra euro stocks would be nice.

  4. Dividend Freedom

    Great porftolio, will definitely sat you free by the time you get 50 years old.

    Keep that snowball roling!

  5. Team CF

    Hello Pollie,

    Nice to see another Dutch Dividend investor, we’ve just started with dividend investing and own some of the same shares.

    Also, and this is a bit of a gamble, we bought some ABN Amro shares, which are slated to be a dividend share (yield about 4-5%). Same as you, we are struggling to find good dividend shares in Europe. Have you ever investigated what dividend taxes apply for Dutch investors in other European countries (i.e. France of Spain)?

    Good luck!

    1. Polliesdividend Post author

      Hello Team CF,

      Thanks for stopping by!
      And nice to hear from a fellow Dutch DGI.

      I did not buy any stocks ABN. They will first have to prove them self and i read a lot of negative articles about them (i.g. Beleggers Belangen van twee weken geleden met een negatief advies)
      And when it comes to new stocks I like to read what experts think about them.

      You question about taxes.
      With a lot of countries in the EU, our IRS (belastingdienst) has a contract with these countries. And in this contract it states that we only have to pay 15% dividend taxes.
      To prevent you to pay these taxes twice on the same amount, It is legal to settle this foreign dividend tax with your income taxes every year.
      For instance, if you pay $10 on taxes in the US, in your income taxes you tell the Belastingdienst you already paid $10 and the withhold this amount for your income tax.

      Look at the website of the Belastingdienst and search for “buitenlandse dividend belasting ”

      Cheers,

      Pollie

      1. Team CF

        Hello Pollie,

        thanks for the hint to the beleggers belangen article. We did read several other ones, which were overall more positive than this one. As noted, it is a bit of a gamble, and we see it more as that than a long term dividend stock. So far that has worked out well, as the stock is up about 0,80 euro @ €18,55 with targets ranging from €19,00 to €21,50. Will keep an close eye on it.

        As for dividend taxes from foreign stocks, still need to do more research here. Will probably do a post on it in the future. Its certainly something to consider!

        Thanks.

  6. Mr FOB

    Nice growth of your portfolio over time!
    I am more into indexfunds than into individual funds due to the lower associated risk. My favorites are VXUS and VTI in 1:1 ratio: full world coverage with minimal cost

    1. Pollie

      Thanks!
      At this moment, I’m not invested in index funds
      I like to look into the companies I invest in. Everybody his own hobby 😉
      By investigation into the company, I minimize my risk.
      And that’s why I came up with the Pollie-code.
      It is not written in stone. At this moment I’m thinking about upgrading my Pollie-code to Pollie-Code 2.0.
      This after reading some great blogs, books and articles.

      Cheers,

      Pollie

  7. FIP

    Hi Pollie, Really jealous on your Unilever And RDS position!!!! And especially the cost basis. Unfortunately Unilever flew away for me after the recent take over bid from kraft Heinz.

    I bought 100 in OHI this week when a buy order got triggered on 30$. We have a similar position size now 🙂 Happy about that one also knowing that the Euro currency is a bit stronger now.

  8. Harmson

    Hi,

    According to my records the pay-out ratio for RDS was far >100% for 2017 (EpS $1.56; dividend $1.88). Why is it still in your portfolio?

    1. Pollie

      I agree about the EPS in regard to the dividend. However I think RDS is a great and solid company, which will keep paying dividend in the (near) future. With higher oil prices and the efficiency actions they have taken, in my opinion, RDS is going in the right direction! And that is why I don’t sell my shares.
      And for the record: I don’t sell shares only when fall through my Pollie-Code.

      Do you own RDS shares?

      Cheers,

      Pollie

      1. Harmson

        Hi Pollie,

        Not yet. I just want to start a Dividend portfolio. I only want to buy Dutch stocks on which are also options available (to increase my return). Besides that I want to reclaim the dividend tax. RDS is for sure on my list (one of my criteria is a dividend yield of at least 4%). Besides that I’m looking at the pay-out ratio, the evolution of the dividend and the trend of the underlying stock).

        Isn’t it an issue for you to pay foreign dividend taxes which you can’t re-claim? This will impact your return, won’t it?

        Best regards,
        Harmson

        1. Pollie

          When you fill in the correct form, you only pay 15% dividend tax for us stocks. And you can reclaim it with your income tax. Only German stocks in my Vrijheid Fonds I have to reclaim a small part of the dividend tax separately

          So US stocks have the same impact as Ditch stocks with regards to dividend tax

  9. gonorthbalance

    What are your thoughts about exchange rates?
    Your main income is in euros but most of your shares are bought in dollars. I found it quite difficult to reduce this risk. The only way to reduce the risk is dollar cost average strategy. By that I mean periodically invest in US shares. But still in a long term you may loose money because of not favorable EUR/USD rate.
    All the best from Lithuania!

    1. Pollie

      Goodmorning,

      I know these positions are a little bit bigger than my other positions. But I really believe in these companies, and I think that they will perform very well in the (near) future. And that is why I have decided not to rebalance these positions.

    1. Polliesdividend Post author

      Dank je wel. Fijn dat je mijn website interessant vindt.
      Ben wel benieuwd waarom beleggen bij jullie een ondergeschoven kindje is

  10. P2035

    Nice set of investments. Sharing RDSA, T, JNJ, PG and SO. Also lookin at MMM sad missed their dip to 160$. Just got rid of TGT as their dividend yield (after tax) on market price was just too low and I decided to alocate the funds elsewere with much more decent return. Wondering now if the sale was a good idea now, but +100% growth was just too much.

    1. Polliesdividend Post author

      If you made a good profit and your are fine with it. It is always a good sell.
      Nice to read that we share are number of investments together. How does your total portfolio look like?
      And what are your metrics for selling?

      Cheers,
      Pollie

  11. Ronny

    Interessante site om ideeen op te doen. Mooie cijfers en een mooie portefeuille. Paar dingen die ik me afvraag. Als ik naar je Pollie-code kijk, zie ik dat die m.n. gebruikt kan worden op de excel van de DividendAristrocats, of heb je een screener gevonden waar je ook de NL aandelen ook in kunt meenemen? Daarnaast ben ik benieuwd hoe jij je samenstelling hebt vastgesteld, heb jij ergens een model van verdeling land/sector e.d.?

    1. Polliesdividend Post author

      Hoi Ronny,

      Fijn om te lezen dat ik je op beleggingsideeen breng. En natuurlijk bedankt dat jij mij website hebt bezocht. Ik hoop je vaak terug te zien 😉
      Ik gebruik mijn Pollie-code ook voor Nederlandse en Europese aandelen. Alleen kan ik dan niet gebruik maken van de lijst van Dave Fish/Just Law.
      Dan gebruik ik vooral morningstar.nl/Morningstar.com en andere financiële Nederlandse websites.

      Ik heb de verdeling van mijn Vrijheid Fonds niet vastgelegd. Ik probeer te voorkomen dat een bepaald type aandeel te groot wordt. Verder wil ik de verdeling USA en de rest van de wereld zo rond de 60% houden. Dit is ook de wereldwijde verhouding.

      Tot zover,

      mocht je nog vragen hebben dan hoor ik het graag.

      Cheers

      Pollie

  12. DutchFI

    Hoi Pollie,

    Dank je wel voor het bijhouden van deze blog en alle interessante info. Na een aantal jaar maximaal te hebben ingezet op een hoge savingsrate (belastingvrij wonen en werken in Saudi Arabie, alles weg gedaan in Nederland en zo kosten geminimaliseerd) hebben we veel liquide middelen. Ik dacht al langer na over beleggen, maar goede vrienden van ons hadden zulke slechte ervaringen tijdens de krediet crisis. Dat heeft ons lange tijd tegen gehouden. Vorig jaar had ik me al verdiept (ik werk niet, en heb de tijd) in beleggen dmv boeken, blogs en vlogs. Ik had net mijn eerste stap gezet, toen de markt crashte. Dus voor ons nu een perfecte tijd om in te stappen.

    Ik heb een DeGiro custody account, maar vraag me af of deze bij een hogere inleg en dus dividenden ook nog steeds voordelig is. Welk platform gebruik jij?

    Ik heb ook nog een IB account geopend, maar nog niets mee gedaan.

    Je schrijft dat je wil voorkomen dat een positie te groot wordt. Maar als deze consequent goede dividenden oplevert, en je hebt voordelig ingekocht. Lijkt me dit toch geen kwaad te kunnen? Zoals bv Shell nu.

    Tot slot, heb je ook een exit strategie? Wanneer stap je ergens weer uit? Of blijf je vanwege de dividenden?

    1. Polliesdividend Post author

      Fijn om te lezen dat je mijn website interessant vindt. Ik waardeer je feedback!
      Persoonlijk gebruik ik op dit moment vier platformen
      DeGiro
      BinckBank
      Fitvermogen
      Rabobank

      Alle vier gebruik ik voor andere diverse redenen.

      Over de grootte van een deel van mijn portefeuille: Ik probeer wel een beetje evenwicht te houden. Ik zit nog steeds in de opbouwfase, dus ik verkoop nog geen delen om in evenwicht te blijven. Juist het tegenovergestelde, ik investeer dan in delen die achterblijven. Mijn Unilever deel, is het grootste deel van mijn portfolio (ongeveer 10%). Ik wil niet dat dit veel groter wordt. Dus koop ik niet meer Unilever bij (alleen doe ik dit door het herbeleggen van mijn dividend). Ik koop juist andere aandelen bij.

      Ik stap uit een aandeel, als ik de cijfers/financiën niet meer goed vind. Als zij hun dividend skippen en ik geen plausibele reden daar voor vind (zie ook opmerking bij een eerdere comment (Recent buy NN Group NV April 2020)
      Daarom probeer ik elk jaar even een korte assessment te doen van al mijn bedrijven. Op deze manier weet ik hoe zij er voor staan, hoe de komende 12 tot 24 maanden eruit zie. En op basis daarvan neem ik een besluit

      Hopelijk heb ik je vragen zo beantwoord. Mocht je nog meer vragen hebben, dan laat het mij weten. Emailen kan ook altijd (pollie@polliesdividend.com)

      Cheers

      Pollie

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