Summary of December

Summary, December 2016

This time I try to be on time with my report! The Christmas and New Year holidays have now been completed and I hope that all of you had an as good time as I did. This year we went to see my wife's family in the south of Germany for one week and it was a very relaxing time.

With all this relaxation I must be ready for work again and I think that I am!

For the previous summary please visit Summary of November 2016 and here you can see my stock portfolio as it is.

The total invested value is now up at: 87,939 € including a realised loss of -3,757 €. No stocks were bought.

The value of the portfolio is today: 89,871 € and spread out I now have around 2,546 € in cash on the account. The combined unrealised and realised loss is now at: 1,932 € (2%) which is bad but better than it has been for a long, long time.

DAX had a very strong ending of the year 2016 and went up to 11,598 points which means an increase of +2.8% which is better than the +1.7% that my portfolio managed to accomplish.

Conclusion: It became a funny rally in the end of 2016 which I find very hard to understand. Banks in Italy are once again causing serious problems. Trump keeps writing on twitter. IS is making attacks all over Europe and in the middle East. UK keeps pushing forward on their BREXIT plans... I really wonder... what were the highlights that caused this dramatic increase in share value?

Dividend summary 2016

2016, dividend

For the previous report please visit dividend summary 2015.
The first year (2012) of investment I received 461 € in dividends. The second year (2013) I received a total of 1,367 € however from this 653 € was due to selling share rights to Commerzbank, leaving 714 € in real dividends. The third year (2014) I received a total of 1,025 € in dividends of which 70 € were due to sale of rights leaving me with 955 € in real dividends. In the fourth year (2015) I received 75 € due to sale of rights for Eniro and additionally 1,852 € in dividends. In my fifth year of investing (2016) I received 400 € as special dividends which was E.On handing out Uniper to me and 2,071 € in normal dividends.

So the yearly dividends are increasing year by year which is good but I am still disappointed with 2016.

The dividend that I am receiving based on my total stock portfolio was 2.3 % which I would like to see improve in 2017 but for that to happen I need to start buying stocks so it is all based on me taking / getting the time for doing it. The dividend increase in comparison to last year poor with only +12% which is also bad. Things must change!

The stock portfolio development 2016

2016, stocks, portfolio

As all of you know my target in the end is to reach 750 k€ invested on the stock market that will be my retirement fund. This means that I should not forget to every now and then look at the development for reaching this target.

For the previous please visit the stock portfolio development 2015.

As can be seen in the graph above my plan is working well. In my first year (2012) of investment I ended up with a stock portfolio in the value of 17,659 € which was 4,744 € more then my plan required. In the second year (2013) my stock portfolio grew with 73 % and ended up with a value of 30,623 € which was 4,723 € above my target meaning that I managed to stay ahead of my plan but I did not manage to increase this advantage. In the third year (2014) my stock portfolio grew with 57% and I ended up with a value of 48,208 € which is then 8,333 € ahead of my investment plan which means that I managed to double my advantage during 2014. In the fourth year (2015) my portfolio grew by 53% and I am up at a value of 73,579 €. My plan was to have a stock portfolio of 54,915 € in the end of 2015 which means that I am now 18,664 € ahead of my plan.

During my fifth year (2016) which was horrible in terms of new investments my portfolio still grew by 20% and the value is up at 88,414 €. According to my plan I should have had stocks for a value of 71,102 € in 2016 which means that I am still 17,312 € ahead of my plan which is good but it is still disgraceful that I did not manage to increase the difference and that it even decreased in comparison to last year! Very bad! I need to improve this during 2017.

The only reason for why I am ahead is still only because of that I have managed to push in much more money each month than what I calculated from the beginning. The strategy was to invest 1,000 € per month which would have given 12,000 € fresh euros during 2016 but instead I managed to push in around 15,000 € so 3,000 € more than according to plan. This can also be seen in the graph below. That the invested versus the current value of the portfolio are very strictly following each other so I am definitely not a good stock picker.

2016, invested

Conclusion: The only thing saving me is that I keep pushing in more and more and more money into stocks. I will keep doing this for many more years since that is the only way to get the snowball rolling and to start getting a size of the stock portfolio that will one day be able to sustain itself as well as being able to hand out enough dividends for a cheap person to live on.

End of year overview 2016

For the fourth time I will now make an end of the year summary regarding my current holdings. Some companies have been with me for a longer time and a few companies have been with me for a shorter time in my stock portfolio. This year was a year focused on work on not on my companies. In the end... one must always focus on what pays out the most money and even though my dividend payments are not insignificant they are still far from being able to support and pay for my life as I live it today. Very few companies entered the portfolio during 2016. I bought an ETF Portugal because their work ratio looked so good. I then bought shares in the company that I started working in which I consider to be a necessity and then I received Uniper as a gift from E.On. when it comes to calculations then to me the generated value is (share price * shares + dividend - trading fees).

Dividend from TJX, Intel, IBM and BP: December 2016

From my 32 shares in TJX I received 7.81 € in dividend. From this was taken 1.17 € in taxes and I received 6.64 € in cash on my broker account.

To find out more about TJX then please visit analysis of TJX 2016.

From my 135 shares in Intel I received a total of 32.95 € in dividend. From this was taken 4.95 € in taxes and I received 28.00 € as cash on my broker account.

To find out more about Intel please visit analysis of Intel 2016.

From my 25 shares in IBM I received 32.90 € in dividend. From this was taken 4.94 in taxes and I received 27.96 € as cash on my broker account.

To find out more concerning IBM then please check out analysis of IBM 2016.

From my 800 shares in BP I received 75.29 € in dividend. No tax was taken from it and I received the full amount of 75.29 € in cash on my broker account.

To find out more about BP then please click on analysis of BP 2016.

To see my total dividend flow then please visit the Stock Dividends page that has now been updated.