hello everyone and thanks for tuning into the financial investor channel my
name is Brent and today we're gonna be doing our 1-month recap for m1 finance
the Roth IRA and individual account we're also going to be doing the recap
here today our portfolio comparison to the S&P 500 and the other
indexes to see our total return for 2018 so in this video we're gonna be covering
the total equity in both portfolios the dividends that were paid out what stocks
paid out those dividends we had dividends paid out in both portfolios
the individual and the Roth IRA where those dividends were reinvested into and
whether the portfolio moved up or down measuring the total return for the month
or December 2018 plus 2018 as a whole so if you are brand new to the channel a
reoccurring viewer hit that subscribe button if you do enjoy the content find
it helpful hit the thumbs up button below I highly appreciate it and of
course if you have any comments questions going over the stock market
personal finance real estate drop me a comment and I will go ahead and read it
and reply to all you guys so let's go ahead and get into the video so at the
very end of dough member 2018 the total equity between the individual account
and the Roth IRA was sitting at ten thousand one hundred and seventy three
dollars and thirty six cents the total dividends that we had earned
for November 2018 was twenty dollars and seventy two cents and our total
portfolio had gained four point ten percent during the month of November
here our total equity within the individual account was set it at three
hundred and forty seven dollars and fifty cents
we had some market gains of $5.25 and we had earned dividends of 2.28 cents
showing here that we had a total return of four point three one percent so we
did pretty well within the month of November now currently I'm looking at
our individual account equity has increased here to three hundred and
seventy nine dollars and seventy two cents but our gains and a return has
actually decreased so our gains here are now twenty negative twenty dollars and
twenty four cents this is offset by our earned divins for
four dollars and five cents these are earned Plus these have actually been
paid so we did a video covering em one finance earn dividends versus pay
dividends if you guys want to check that video out I will have it in the
description below and also in the top right corner of this video one of the
corners of this video our total return is now from up four point three one two
now down ten point three nine so it has been a bit of a rough month here in
December 2018 so what stocks here overall here our value where did they
come from where did the equity increase here it did increase from 347 to now 379
so that's a different start of what 32 docks and that is mainly from a few
friends subscribers viewers that had used my referral link so I made six
referrals here in December here in 2008 team some of these were family some of
these were co-workers from these four you guys out there the viewers
subscribers who wanted to use these referral leagues now I had a lot of
friends and co-workers coming up and asking me for referrals so I'm sure
these are a few of them as well but they're going in 2018 that you wanted to
start their own investment portfolios their Roth IRAs they were getting pumped
to do this and that was one of their goals that they had set to get started
with in the investment you know set an investment goal and begin invested in
their future here starting their own Roth IRA now we did have one buy during
this time frame because of the $60 that went in plus the dividends here of vu
the Vanguard SP 500 of $1 77 that means we had sixty one dollars and seventy six
cents here and missed out investing one cent here so sixty sixty one dollars and
seventy six cents went back into ticker symbol Vuh at two hundred and nineteen
dollars and forty six cents now from that point on invested cash there's only
one cents sitting here and that will be reinvested in the next time I have a
referral or you know in the in the next case I may put some more money into the
individual account but that is where it is that now with what this is showing
here for the year in comparison to the S&P 500 so we started this portfolio
back in February 8th 18 this is showing a total loss of ten
point three nine percent but this is actually a little bit incorrect if you
go into your holdings here on m1 finance you're gonna see that your total value
if your portfolio this shows up the same so you can see here your value shows the
same here but under your holdings this shows your actual cost basis for your
total investment so if you were to take three hundred and seventy nine dollars
and seventy two cents which is your current value divide that by your
starting cost basis to four hundred and four dollars and four cents multiply
that decimal by a hundred you would actually have your unrealized gain or
loss for 2018 so here we can actually just do the math really quickly if you
guys want to do this with your own portfolios take your current value if
your portfolio subtract what the equity is that you actually have invested or
that you've actually invested in it and subtract that from your current value
and then divide it again by what you have your cost basis for your portfolio
and you're going to get a decimal player you're just going to multiply it by a
hundred to get your percentage and it's going to be six negative six point zero
one nine which just rounds up the 6.02 so our total return for the S&P 500 are
individual count for 2018 is down 6.02 when we compare that to the actual S&P
500 index the actual index is down six point two four percent had a one-month
loss here of nine point one eight percent so what portfolio had actually
done fairly well we overall we did come up we were so in the negative but we
didn't actually go into the negative as much of the S&P 500 because I did start
this in February already into the downtrend that had happen now let's see
here as far as the one month loss here the m1
financed individual account within the last month has gone down a little over
what seven percent there so 7.62 percent so that is showing about correct down
nine point one eight percent for the S&P 500
so yeah individual account here overall value the equity here within the
portfolio increase the dividends that we're going to get paid out in 2019 have
increased and our total loss there for the year
down 6.02 and that's acceptable I think that's a good return you know for the
time being in comparison to the actual index in itself now jumping over now to
the broth IRA the Roth IRA we had a total equity value of nine hundred nine
thousand eight hundred and twenty-five dollars and 85 cents
we had market gains of a loss of twenty one dollars and thirty six cents our
earn dividends was up a hundred and seventy five dollars and fourteen cents
and our total return here this is showing two point five but again we got
to go into the holdings to see our actual value of our stocks versus our
cost basis and that would actually show us our real return so actually go over
that in today's video so we were sitting up at two point five here in the video
now if we jump into the Roth IRA inside our current here we're gonna see that we
have ten thousand four hundred and thirty eight dollars and ninety-five
cents of value this is all of our stocks that we're currently invested in we have
three dollars and eighty three cents sitting in cash because we were recently
paid a dividend our current loss is market loss of seven hundred and forty
five dollars and fifty six cents are earned dividends is two hundred and
seven dollars and seven seventy six cents and our total return here this is
showing down eight point two percent now we were sitting here at the very last
video of earn dividends of a hundred and seventy five dollars and fourteen cents
and now we have earned dividends of two hundred and seven dollars and seventy
six cents so here we can do the difference here in the month as far as
earned it but it's now again we did our video how m1 finance classifies as an
earned dividend versus a pay dividend that's basically and earned dividend is
it you've held the stock through the ex-dividend date and you've earned it it
just has not been paid out to you within your portfolio so for the month of
December I have earned thirty two dollars and sixty-two cents now some of
these have not been paid out yet a few of these stocks here towards the end of
December just went ex-dividend today I believe three stocks so I just earned
those dividends as far as future dividends but they have not been paid
inside the portfolio now if we want to see our activity as far as what stocks
paid out during the month of December we can go
and do that so let's find out what dividends paid out in the month of
December well starting at the very beginning we had SPG this is a Simon
Property Group this is a REIT a real estate investment trust they paid out
three dollars and ten cents and two dollars of the special dividend so total
five dollars and ten cents now this at this time I had made my video five
stocks to buy or five stocks on buying December 2018 if you guys want to check
out that video I'll have that in the description below and also in a corner
so I had made my video going over Cardinal health Edison Consolidated
Edison General Mills Kellogg's and Triple M at the same time I was
researching these I also saw that the Southern Company took her symbol
Esso was also training at a yield which was you know extremely high it was it
their current yield is something you would not be able to get for the last
seven or eight years so I felt this was a great bond opportunity they have good
dividend history they met all of my financial metrics and my screening
process of my strategy so I added them into this portfolio as a utility there
so those are my six stocks here that I added beginning in December 2018 going
into the second week here of December we had again the more dividends paid out by
user paid out $3.66 we had our weekly deposit there of three hundred and
thirty dollars we had five bye so again we bought oh we added two new stocks to
our portfolio at this time we added ABM ABM Industries Incorporated and Lowe's
company so I wanted to add a few other stocks in my portfolio I had been
invested in Lowe's in the past all that it was a great value out of that end and
also ABM was looking like a great buying opportunity at this time so I added that
one in as well I continued to average into Cardinal Health General Mills and
Kellogg's because they had actually got beat up during the early process of
adding them into my portfolio so I continued averaging into those specific
stocks so that is the second week of December they're moving into the third
week now ABM one I added into this portfolio it ran up oh I made a sell
here I sold off Flynn because of the merger between practice area and Lind
and it's that they kind of sell out of this position and
those funds elsewhere so here Johnson & Johnson paid out $3.57 I move those
funds here into again ABM and Lowe's they were brand new add into the
portfolio so I decided to move some of the main funds into these ones to kind
of bump them up with my other and the consultant continued averaging in to my
recently added socks here within the portfolio so I added bigger chunks and
the lows and a BM to get them to where the other ones were at and then
continuing to average into the other one so that is the third week of December
now going into our fourth week of December I did not receive any dividends
I continued to make my weekly deposits there are three hundred and thirty
dollars and I continue to target buy specific stocks so I bought a BM
Cardinal Health General Mills Kellogg's and Triple M and here that was our third
week now going into our fourth week of December there was something here unique
a BM here ran up over 20% within it within a week period I made a video how
I wanted to take profits so it had went up 20 to 24% within just a few days so I
decided to kind of shave off my profits profits of $50 and roll the $50 of
profits into a company southern company here that actually had gone down by 5%
within that same week so I had been paid out by three companies I had chicken
symbol avy take yourself swk and take yourself okay paying me out five dollars
and two cents of avery dennison corporation 208 Stanley Black & Decker
243 Kellogg's was a brand-new company I just started invested in paid out 51
cents I took the rollover of 50 dollars plus
the dividends of five dollars and two cents and invested that directly into
the Southern Company because of the yield the bond opportunity here it would
look like a great burner but to do so all I did was roll some of these funds
plus it events into this company here so that is what I did here in the fourth
week of December and then just recently I again last week I didn't get paid out
any dividends but I did and thus my last investment here for 2018 I really you
know I put in my last deposit basically have three hundred and thirty dollars
and that invested into all of my recently added positions just kind of
average into them just a little bit more and
that total that was the total investment here for 2018 I made a one-time deposit
which I made in my video I stopped my video or why I sought my automatic
deposits I made my one-time transfer a 33 cents that completely maxed out the e
Roth IRA and I recently was paid out three dollars and 46 cents from Lockheed
Martin so nothing will actually be reinvested currently until I have ten
dollars at least sitting in cash within the account and then those will be
invested so this week here depending on how the market goes hopefully it does
have a bit of a pull back and I can even started my investment here in the first
week of January 2018 so that was what stocks we had bought what stocks paid
out dividends and where those dividends were reinvested were it reinvested into
now our funding for 2018 and 17 has now been completed you can see that the
total invested capital for 17 and 18 is $11,000 our total contribution for 2019
which is not yet started but we'll start here on Wednesday the 2nd of January is
$0 of $6,000 and we already kind of went over this on our plan our goals for 2019
is to add weekly allotments into the portfolio in order to max the Roth IRA
for 2019 now if we head over into our Holdings here we can actually see again
our value of our portfolio which is shown here
ten thousand four hundred and thirty dollars and ninety-five cents and our
cost basis this year I've only invested my own capital of eleven thousand
dollars but I've been paid out over two hundred dollars of dividends now in 2009
at 2018 a hundred and ninety seven dollars and fifty nine cents of
dividends is currently invested in working for me and I have three dollars
and eighty three cents of cash sitting on the side waiting to be invested here
on the next probably by day now of the actual cost basis here so if you do the
value if you want to do your actual return we just take our current value so
I'm going to go ahead and copy this one and type in the value of our port
manually so 438 0.95 - or actual cost basis divide it by our cost basis and
you multiply this by a hundred that's gonna get us our total return of our
cost basis here in our current value so our actual portfolio is down for the
year the Roth IRA is down six point seven seven percent rounded up to six
point seven eight now again if we compare that to the S&P 500 being down
six point two four percent year-to-date within the last month down nine point
one eight doubt Jones here year-to-date down to five point six three and the
Nasdaq here down three point eight eight percent we actually matched right there
right around the sp500 now if we were to just remove and have our actual cost
basis of our own money there that would be a different story so our actual cost
basis so ten four three eight point nine five our cost basis of our own capital
is $11,000 so I just add my eleven thousand in there and divide it by
eleven thousand dollars multiply that by a hundred so based off just the amount
that I have actually invested of eleven thousand dollars our actual loss of our
originally ambassador is only down five point ten percent so that's a much less
loss for the year because I have all these dividends working for me and
actually kind of working against me in a way it doesn't really work against me it
may look like it works against me in total in terms of loss of capital loss
of percentage but all these dividends are being reinvested back into more
shares which all of these positions and shares that I own are paying me out more
dividends and more dividends and just bumping up their dividend so this is
this is going to continue to compound month after month and year after year so
I'm only down five point ten percent off my originally invested capital plus I
have two hundred dollars of extra equity that that's just working for my
portfolio right now so that is our total for the individual in the Roth IRA now I
always like to jump in here and kind of show the spreadsheet as far as all the
positions by one month performance the by performance a couple of these socks
here increase their dividends so ABM which is the new position I started
buying them when they were paying out 70 cents per share each year
they recently bumped it up to now 72 cents per share each year that is an
increase there of two point eight six percent so all that might in my annual
income here increased that's on my live data so I have I didn't own a VM back in
November so this is not going to show me what my my November would have been
paying out me out paying me here but I'm gonna be making an annual income from
that three hundred or what my cost base is a two hundred and sixty four dollars
and 63 cents I've already paid for these you know I paid this amount and now
going forward this specific stock is gonna be paying out an annual income of
7.9 cents and they recently increased their their dividend payout by two cents
per share so this is going to continue to you know increase into next year
increase in the next year they're going to be raising it and raising it and it's
just going to continue to compound now we also had a few others here Pfizer
increased from a dollar 36 to a dollar 44 that's an increase of 5.88% we at
AT&T increase their dividend payout per share from $2 to now two dollars and
four cents that's an increase there are two percent that's pretty normal for
them and we had an increase here in WP Carey with an increase there from four
dollars and ten cents to now four dollars and twelve cents that's an
increase their point four nine percent so overall my annual income between
November and December I went from three hundred and twenty eight dollars and 20
cents to now three hundred and eighty two dollars and eighty nine ninety nine
cents so three eighty two point nine nine subtract my old income here of
three twenty eight point two so I've increased my dividend payout my dividend
income for two thousand you know for the forward for going forward by fifty four
dollars and seventy nine cents by investing in a total new equity capital
here of one thousand three hundred and twenty dollars if I take that and divide
that by my newly invested capital oops
it would have been around 4% I basically increased my total income by over 4%
just based off the new equity and the dividend increases therefore December
2018 so my based investment again for the Roth IRA between 2017 and 18 is
$11,000 my earn dividends that I've made here in 2018 two hundred and seven
dollars in 76 cents let's go ahead and increase their cash hit on hand three
dollars and eighty three cents and that's a difference between my currently
original cash original cost and my current value is minus five hundred and
forty-seven dollars and four cents I'm not worried about total equity loss or
gain equity does not pay me equity doesn't you know I can't live off a Qui
you know if I was only invested in equity stocks such as Facebook Amazon
Google they wouldn't you know I wouldn't be able to live off the income I would
have to sell those positions in order to live off the cash in this in this
example I'm getting paid three hundred and eighty two dollars and ninety nine
cents and this is really my first year up starting this portfolio I started in
January 2018 I put fifty five hundred dollars towards
2017 I added another fifty five hundred dollars for 2019 I already have an
annual income of roughly four hundred dollars if I continue this into 2019
just adding my weekly contributions I'm gonna be ending 2019 at the very end of
2019 December my earn dividends for 2019 should be roughly four hundred and
nineteen dollars and twenty three cents if I continue along this path here
within the m1 finance portfolio and I started this portfolio with an annual
income of a hundred and seventy nine dollars and twenty three cents which
I've already doubled so my portfolio is continuing to double and kind of going
forward because I have all these stocks that are now at Value buying
opportunities my current yield versus my my actual yield versus the current yield
that I'm able to buy back and invest towards is actually higher than actual
where I've actually started my investment so my average yield of my
portfolio is right around three point four or five whereas the
average yield for all the stocks now within the portfolio just as they are is
three point seven one percent so this will just continue to compound faster at
buying back at fifty two we closed versus 52-week highs now all of my
stocks here for the month of December were actually negative note we had one
being positive what was that I believe it was a BM yeah a BM was positive here
it bumped up one point four five percent during the month I bought it at a great
buying opportunity and it's it is up in my positions here up website I deleted
it there somehow let's go ahead and control I don't know what I did there
there you go I deleted a deal that's that's back so
it is up for the month one point four or five percent I bought it at a great
buying opportunity before it rebounded up nineteen point four nine percent so
I'm well I'm still up in a few positions Pfizer I'm not sure what this one is
that's the thing was zoom in lows I'm up slightly and I filled these here towards
the top Cisco Systems IBM and AVI I am up slightly but being down in this
positions just gives me a better opportunity to reinvest into these solid
companies here if we want to sort by how long these companies have grown their
dividend I have the majority of my stocks here thirteen of them what count
eighteen of them have actually increased our dividend and paid out a dividend for
the past ten plus years only a few of these eight of them have grown and paid
out dividends less than ten years so the das downturn was in 2008 a few of these
had cut their dividend or probably froze their dividend a little bit prior to
that but the majority of them here towards the top have been grown in
paying out dividends for the plot for the past twenty plus years now going
down into the individual account let's go ahead and scroll down here we can see
here that our base investment for our individual account is a hundred bucks
our earn dividends for 2018 is four dollars and five cents we have one cent
on hand our invested difference between our original cost and our current value
is down twenty dollars and 27 cents our annual income based off our current
dividend payout one if that's I don't think that's yeah
five dollars and sixteen cents they just increase the boot increases month to
month depending on what Sox are going ex-dividend so the vow has over 500
socks in it so between last dividends four dollars and eighty three cents
which was last month's two now five dollars and sixteen cents this varies so
we just went up by six point eight three percent going into it'll go x7 and I
believe here in February and then it pays that again here in March of 2019 so
my income for 2019 based off the bill was around 8.53 cents for that portfolio
now they're not a whole lot here to show for the S&P 500 that one it went down
for the month of December nine point one eight percent which is what you know
nine point two seven wow I'm not sure why I got the nine point two seven so
one month performance nine point one eight - nine oh because this is the S&P
500 as a whole and I had actually used ticker symbol vous so let's see if I can
pull up just the vu here and look at the 30 days one month nine point three - so
nine okay mine point three two - nine point three to see if that matches nine
point okay so the actual s the actual ville went down a little bit more than
the S&P 500 index they just because the index is track or the ETS here track the
index they don't track it percent percent for lost there so that is the
actual performance and then my in stock performance there year today is down
6.02 as we've already kind of covered earlier now total equity here oh I did
not I must not have updated that so I know I've updated in my live data so
here are my total equity for the total portfolio is now at ten thousand eight
hundred and twenty two dollars this includes the Roth IRA plus the
individual count between both these it is ten thousand eight hundred and twenty
two dollars and fifty two since my total loss my percentage change
between November 2018 of ten thousand one hundred and seventy three dollars
and thirty six cents I didn't add any new money into the individual account
but I did add one thousand three hundred and twenty dollars and 33 cents of you
equity into this portfolio so here so my total percent loss in the portfolio is
down six point six percent for the month of December 2018 now as a total invested
portfolio for the very end of 2018 as a whole my total invested capital is
eleven thousand one hundred dollars I invested eleven thousand dollars into
the S P earth into the Roth IRA you know two thousand seventeen fifty five
hundred dollars two thousand eighteen fifty five hundred dollars and then I
invested $100 starting capital within the individual account for a total
invested capital of eleven thousand one hundred dollars my total loss here for
2018 is down 2.5% for the entire year plus the dividends being reinvested and
kind of paying back out that helped also kind of keep the portfolio afloat so all
of that capital is working there so pay dividends again we had twenty two
dollars and fifty eight cents of total paid dividends during the month of
December 2018 these are all collected here from the activity tab so between
our Roth IRA we had all of it within the first week we had SPG second week we had
Pfizer then we had Johnson & Johnson then our third week we had three of
these we had avy Stanley Black & Decker Kellogg's for that what was it five
dollars and some change five dollars and two cents which was we sold off a piece
of ABM and was able to reinvest the whole 5502 and then we hadn't paid out
any dividends for two weeks and then we just got received those standing
dividends from Lockheed Martin for three dollars and 46 cents and then though
also paid out a dollar 77 there so our total earned or these are the total pay
dividends in December 2018 of twenty two dollars and fifty eight cents so that is
all I wanted to cover in today's video if you guys did enjoy the video hit that
thumbs up button below if you are brand new to the Chan
a reoccurring viewer hit that subscribe button and if you have any comments
going over the video stocks personal a personal finance real estate Lebanon the
comments section below and I will always read and reply to all your guys's
comments so that is it thank you all for tuning in I will see you next time I
hope you guys all have a great 2018 and if you're staying invested you know good
luck bye bye
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