Polliesdividend

January 2020, Month review of my Vrijheid Fonds

My month review of my Vrijheid Fonds for January 2020.

Time flies when you are having fun. January is already in the books. So, it is time to tell you the status of my Vrijheid Fonds and report my passive income for this month. January traditionally is a slow dividend income month.

polliesdividend month review

I’m always excited to write about my favorite topic, dividends! I hope this post inspires other people out there to start saving and investing as soon as they can. The power and pleasure you feel knowing that you are richer than you were yesterday, and you didn’t have to work a minute for it, is a wonderful feeling. So, now let us look at my Month Review.

 

Dividend

In total I have received € 82.26 ($ 91.19) in passive income in January. My Vrijheid Fonds had two dividend increases. Franklin Resources (BEN) raised its dividend with 3.85% and like clockwork, Realty Income with 0.2%. I really love this kind of increases.

If we take a closer look, the dividend was coming from:

  • Franklin Resources (BEN) € 32.50
  • Realty Income (O) € 20.93
  • Vereit (VER) € 10.55
  • Wal-Mart (WMT) € 18.29

 

YoY dividend income

That makes a total of € 82.26. In 2019 I have received a special dividend from BHP Billiton (BBL). If I remove this special dividend from the equation, I have a YoY increase of 21.42%. This is a nice increase with which I’m happy. And what a great feeling it is, that my money is working for me!

www.polliesdividend.com pollie dividend

For an update of my Dividend Income click the hyperlink.

In 2020 I received a total in passive income of € 82.26.

 

Vrijheid Fonds

If we take a look at my Vrijheid Fonds (Freedom Fund), we can see that the value is slightly lower than last month. My total portfolio value at the end of January is €135.586 ($150.300), which is a decrease of 0.04% over last month December (€ 135,643).

www.polliesdividend.com value vrijheid Fonds

 

The markets have been going downwards the last week, due to the Corona outbreak in Asia. That is why the value of my portfolio is lower than last month. But if I look at my portfolio, I’m happy that my Vrijheid Fonds has resisted the fall of the markets well. A drop of just 0.04% is negligible.

In the whole of 2019, I had a saving rate of around 42%. This is a very nice and respectable saving rate, but for 2020 I want to increase my saving rate. In the first month I achieved this, I have donated €900 of fresh capital to my Vrijheid Fonds this month. In order to reach my challenging goal, I set for 2020, I have to step up and let my saving (and investing) rate grow. I need to keep feeding my dividend factory. With this donation I have made a great step forward for reaching this goal

In January I have made one new buy for my Vrijheid Fonds. On January 20th I have mad my first buy in 2020. I’ve averaged down on NN Group NV. For more information about this buy, just read my post Recent buy – NN Group NV – January 2020.

 

A nice extra

Furthermore, I was guest on the Blog of Meer of Mynder. I was interviewed for the series of Dutch Financial bloggers. This interview is in Dutch in which I tell my story about my journey to FI. If you can read Dutch and you’re curious about my journey, I’m inviting you to read my interview: Interview met: Pollie van Polliesdividend.com. I was honored that I was asked for this great series!

This month was again a nice step in my journey.

Thanks for stopping by and taking the time to read my Month Review. How was your month? Have you made some new buys? I like to hear from you.

Cheers,

Pollie

 

Note:

Because all figures I give are in Euro’s. Because the exchange rates is not constant (duh…) my passive income changes per month (even if the dividend stays the same). For the record: I only post my passive income from dividend the month I received it on my brokers account. And it is after taxes.

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4 thoughts on “January 2020, Month review of my Vrijheid Fonds

  1. Sander

    Hi Pollie,
    Can I ask you why you prefer realty over f.e. Unibail? I used to own realty in the past, because the monthly dividend is just wonderful.
    However, if you take a look at their valuation against their Net asset value, things are not so nice.
    I hate paying a Premium over the value of assets. In my opinion your are paying for some kind of expensive air…
    I will pick up on realty if they are traded at or below NAV.
    For now, I prefer unibail which has good assets but is priced at only 60% of their NAV.
    Curious to hear other opinions.

    1. Polliesdividend Post author

      Hi Sander,

      Thanks for stopping by.
      I’m owning Realty Income since october 2014. I have been adding shares a couple of time since then. And now I have an average share price of $50.14
      I like their monthly dividend and their frequent dividend increases.
      If I look at the price right now, I agree that you will have to pay a premium to own this company
      So at this moment I’m not doing anything with Realty. I’m just sitting down and collecting my dividends. Is I take a look at my Vrijheid Fonds, I see that I’m collecting €261 euro in dividends this year.
      I’m happy with this. And I will probably be buying some extra shares of Realty Income, when the price is dropping.

      Unibai-Rodamco-Westfield (URW) is rather new for me, I haven’t looked at this company for a very long time. I will dive into this company in the next couple of months.

      What is your opinion on URW? Why is it buy-worthy?

      Cheers,

      Pollie

      1. Sander

        In short, I like to buy good companies, but I hate overpaying.
        The portfolio of URW is about as good as you will see in commercial real estate.
        On their website, they have some interesting presentations.
        But what I really like about URW is the fact that they trade at a discount of 40%. This means their real estate Is undervalued by 25%.
        I like buying at a Discounr! And, of course, a dividend of around 8%.

  2. Dividende-um-Dividende

    Hi,

    congrats on your January results! 82€ is a great start for the year! I’m impressed that you managed a savings rate of 42% through 2019. That’s fantastic and in my opinion the key to financial independence.

    My International Income Portfolio stands at 168.000€ at the moment and seems to know just one direction – up! This scares me a little bit, besides the fact that it gets more difficult to find fairly valued dividend stocks.

    Keep up the great work!

    Greets,
    Susanne

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