First week of 2022

Year has started slowly. We received a few dividends and made some purchases. Nothing special happened. 

This we made following purchases. 

• 1 share of Capman @3,12 €
  
• 25 shares of Main Street Capital @45,1536 USD
• 42 shares of Exchange Income @42,57333

These purchases should increase our 2022 dividend income by 94 €. 

We received year's first dividends and other capital gains:

• 0,02 € interests
• 4,89 € from Genuine Parts 
• 19,00 € from Telus
• 32,46 € from Iron Mountain

Unfortunately our bank failed (again) transfer all dividends on time for us. We are waiting Pepsico dividends to arrive. 

Received passive income in 2022 so far is 56,37 €

 

Year 2021 is over

This week was a good one. We received last dividends and interests for 2021 and we did made last adjustments in our portfolios. 

We sold our position in Trainer's House @0,77020 and bought 1 share of Sampo @44,73 instead.

This week we received following income:

• 49,45 € from Blackrock
• 0,01 € interest from our bank accounts
• 0,56 € from Gladstone Investment corp BDC
• 0,28 € from Gladstone Commercial Reit
• 3,36 € from Main Street Capital
• 17,56 € from Gilead Sciences
• 20,00 € from Citycon
• 7,72 € from A&W Revenue Royalties 
• 6,11 € from Methanex
• 8,27 € from Cohen & Steers Infrastructure Fund
• 13,80 € from Transalta Renewables
• 25,73 € from Brookfield Infrastructure
• 35,96 € from Simon Property group

So our income in the last week of the year was 188,81 € which is really good. Total amount of passive income in December was 738,95 €. December was extremely good month for us as was the whole year 2021. Our total passive income in 2021 was 8678,51 € so we almost reached the target which we have set for 2022! We are positively surprised.

In the last quarter our portfolio developed well. As we did not make many purchases in the last month, we have a bit more cash in our portfolio than usually. Our cash positions increased more than 100% in last quarter. As we do not really invest in funds, our mutual funds increased only a fraction, but still increased a bit. We have considered withdrawing money from the coops, but we have not done it yet. The reason why we consider  withdrawing money from them is that coops have cut the yearly interest paid for the capital invested. 

Our position in shares has increased very well on last quarter. There is substantial growth in both value of the stocks and new invested money for stocks. Our gross investment portfolio has grown  8,87% within last 3 months. Our investment loans have been decreasing a bit faster than the plan is and amount of loan has decreased by 8,1% in the last quarter. Our net investment portfolio has grown 10,39% in the last quarter. Our net investment portfolio grew total of 80 190,89 € in 2021. We are very happy with our portfolio increase in 2021.

Investment portfolio

Asset class	31st Dec 20	1st Apr 21	1st Jul 21	1st Oct 21	31st Dec 21
Cash	1 174,52 €	494,25 €	1 519,58 €	3 079,84 €	6 396,97 €
Investment funds	10 342,75 €	10 331,28 €	9 828,76 €	9 829,82 €	9 834,18 €
Coop memberships	1 500 €	1 500 €	1 500 €	1 500 €	1 500 €
Shares	158 383,37 €	186 531,00€	197 263,20 €	211 134,20 €	227 828,13 €
Gross investment portfolio	171 400,64 €	198 856,53 €	210 111,54 €	225 543,86 €	245 559,28 €
Investment loan	23 023,01 €	21 015,97 €	20 010,80 €	18 489,23 €	16 990,76 €
Net investment portfolio	148 377,63 €	177 840,56 €	190 100,74 €	207 054,63 €	228 568,52 €

Merry Christmas 2021

Week before Christmas was pretty quiet. Our bank failed to deliver Blackrock dividends on time so we are expecting them to arrive next Monday.

This week we bought 2 more shares of Sampo @43,64 €. 

We received following dividends:

• 9,49 € from Dominion Energy
• 53,06 € from Manulife Financial Corp
• 1 share of Main Street Capital, worth of 37,49 €
• -1,99 € witheld taxes from Main Street Capital DRIP

Total amount of dividend this week was 98,05 €. This year we only had 3 months when we did not reach our monthly target as we went above 525 € on December. 

 

3rd week of December 2021

This week was pretty good as mid-month weeks usually are. We received good amount of dividends and made one purchase.

This week Realty Income announced yet another dividend increase. As usual the increase was very small, but even the small increase is an increase. This dividend increase will raise our 2022 income approximately by 0,54 €. 

We bought 2 shares of Sampo @44,125 €. This purchase will improve our 2022 income approximately by 5,51 € since we bought these to non-tax advantaged account. 

 This week we received following dividends:

• 19,53 € from Whitestone Reit
• 20,84 € Coca-Cola
• 4,10 € from Main Street Capital
• 0,50 € from Trainer's House
• 0,67 € from Gladstone Investment Corporation BDC
• 18,15 € from Washington H. Soul Pattinson
• 42,34 € from National Australia Bank 
• 11,15 € from Exchange Income
• 23,12 € from Realty Income
• 73,90 € from Duke Energy

So this week's dividend income was 214,30 €, which is really good. So far our December income is 437,86 €. 

 

2nd week of December 2021

This week was a pretty quiet week. We received few dividends and made few purchases. 

We bought 52 shares of Sampo @44,50404 €. We are expecting to receive total of 3,70 € /share dividends from Sampo so this would increase our 2022 dividend income approximately by 180 €. Some of the shares are in tax advantaged account and some are in regular account. 

We received following dividends:

• 16,84 € from Southern Co
• 30,22 € from Johnson & Johnson
• 18,49 € from Exxon Mobil Corp
• 10,05 € from Walgreens Boots Alliance

Total amount of dividends was 75,60 € which is a bit low side. 

 

First week of December 2021

Month turned to December and it was again time to pay our investment loan payments. We paid back 495 € principal and 16,53 € fees and interests. 

We made few transactions this week:

• sold 4 shares of Cibus Nordic @245,124 SEK
• bought 19 shares of Main Street Capital @45,1943 USD

Also Royal Bank of Canada annouced dividend increase of 11%. This dividend increase means approximately 3 € increase to 2022 dividend income. 

Here is a summary of dividends received this week:

• 10,11 € from MSC Industrial Direct
• 14,23 € from LTC Properties
• 0,27 € from Cibus Nordic
• 0,28 € from Gladstone Commercial Reit
• 0,56 € from Gladstone Investment Corp BDC
• 1,34 € from Sabra Health Care Reit
• 8,01 € from Realty Income as a remainders of Orion spin-off. 
• 2,47 € from A&W Revenue Royalties 
• 8,28 € from Cohen & Steerns Infrastructure Fund
• 13,86 € from Transalta Renewables
• 51,54 € from Canadian Utilities
• 65,37 € from Enbridge Inc. 

Our total dividend income in November was 924,03 €. On first day of December we received 116,82 € dividends. 

Fourth week of November

This was a very quiet week in our portfolio. We made two purchases and received only 3 dividends. 

We had some AUDs sitting on our account and we wanted revinvest them. We bought 383 shares of AGL Energy @5,41611 AUD. We reinvested 375 AUD and rest was new money. If the level of dividends remains the same we expect to receive around 150 € dividends in 2022. We are a bit doubtful if they will keep the dividend payment so high. We also bought 37 shares of A&W Revenue Royalties Income Fund @40,92514 CAD. This purchase should increase our 2022 dividend income by 38,61 €.  

Our current estimation of the next year's dividends shows now that we will meet the set target. Of course there will always be suprises during the year (good and bad ones) so we have to work with next year's portfolio for a while to get some safety margin for suprises.

This week we received following dividends:

• 1 share from Main Street Capital DRIP worth of 40,50 €
• -5,04 taxes from Main Street Capital DRIP
• 28,96 € from Royal Bank of Canada
• 101,28 € from Brickworks 

Total amount of dividends this week was 165,70 € and in November 864,62 €. Total amount for year 2021 is now 7880,15 €. 

Third week of November 2021

This week was a bit more peaceful than last week.We did not make any transactions but we did receive some dividends. So there is not a lot to write about. 

This week we received following dividends:

• 34,63 € from Abbvie
• 4,07 € from Main Street Capital
• 11,29 € from Exchange Income
• 16,85 € from Waypoint Reit
• 22,09 € from Realty Income Corp
• 1,49 € from Diversified Healthcare Trust

Our total dividend income this week was 90,42 €. Total amount of dividends in November is now 698,90 €, which is more than expected. Of course the Realty merge + Orion Office Reit spin-off plays a major role in this. 

Second week of November 2021

This week was an interesting one. We received some dividends and then there were some corporate actions.And all this happened on Friday. First those corporate actions:

Waypoint REIT had reserve split 1 to 0,9382. It also returned capital to shareholders. Another intresting event was with Realty Income. Vereit and Realty Income merged and spinned offices to a new company called Orion Office Reit. 

Below is a summary of this week's passive income:

• 19,22 € from Whitestone Reit
• 16,35 € from British American Tobacco
• 1,38 € from Waypoint Reit split remaider
• 84,53 € from Waypoint Reit capital return
• 12 shares of Orion Office Reit from Realty Income, worth of 334,51€

Total amount of passive income this week was 455,99 €. Total amount of passive income this month is now at 555,94 €, which is a lot better than expected. Of course this is because of one time events which happened.

 

Last week of October and First week of November 2021

Last weekend we were not at home and that's why we did not update the blog. 

Here are some news regarding our portfolio:

• Manulife Financial will pay extra 0,05 CAD dividend at last dividend payment this year. This will increase our 2021 dividend income approximately by 7,70 €
• Main Street Capital increased the monthly dividend by 2,4%, This will increase our 2022 dividend income approximately by 10,95 €. 
• Main Street Capital will also pay 0,1 € extra dividend in December. This will increase our 2021 dividend income approximately by 18,20 €
• Simon Property Group increased dividend by 10%. This will add approximately 12,71 € to our 2022 dividend income 
  
• Abbvie increased dividend by 8,5%. This will add approximately 11,60 € to our 2022 dividend income
  

We made a few small purchases in this 2 weeks period:

• 4 shares of Sampo @46,4875 €
• 10 shares of Merus Power @8,939 €
• 50 shares of Trainer's House @0,8788 €

These purchases will increase our dividend income approximately by 7 €. 

During the last week of October we received following dividends:

• 13,80 € from LTC Properties
• 1 share of Main Street Capital, worth of 36,72 €
• -2,38 € taxes from Main Street Capital Drip
• 21,64 € from Clime Capital
• 2,39 € from A&W Revenue Royalties
• 8 € from Cohen & Steers Infrastructure Fund
• 13,87 € from Transalta Renewables
• 0,27 € from Gladstone Commercial Reit
• 0,27 € from Cibus Nordic
• 0,54 € from Gladstone Investment Corporation BDC

Total amount of dividends was 95,12 € in last week of October and 1466,21 € for whole month. 

On first week of November it was time to make our investment loan payments. We paid back 495 € principal and 16,98 € interests and fees. 

On the first week of November we received following dividends

• 10,15 € from Kemira
• 46,94 € from Verizon Communications
• 42,86 € from Telia

Total amount of dividends in November is now 99,95 €.