I’m Pat Rosenheim, a.k.a. the PandA Trader.

So, I decided I should probably post about my #PLAN for the foreseeable future. A lot of people ask about my investment theses, so that seems to justify this post. Let’s see if I can even begin to support that statement.

This is that attempt.

I will continue to screen using the method(s) outlined in my monthly Watch List post.

I will continue to withdraw funds as needed to augment our income as outlined in my monthly income phase of The #Plan #UPDATE.

I will continue to invest monthly as outline in my #ShareBuilder #Update.

I will continue to “harvest” capital gains by selling holdings at new 52 week highs in minimum 100 share lots so I can specify AON (All or None).

I’ll try to outline a bit of the rest of the #Plan each week with updates on my thinking, such as it is…

So, I’d heard about this new robinhood thing, and I’ve given it absolutely no thought until recently. So, I opened an account, and will start investing very slowly in things I can not buy using Capital One Investing’s sharebuilder plan, or Automatic Investment Plan (AIP). I’ll also invest in things that I don’t want to hold in our Fidelity accounts for no particular reason other than I’m a stubborn old bastard. Well, that, and Fidelity has a DTC Discount Plan that allows reinvestment at a potential discount price between 0-5%. So, I’m only holding known (to me) issues that participate in this DTC Discount Plan (DTC = Depository Trust Company).

I could find no list of holdings that participate anywhere, and when I asked Fidelity for a list they said there isn’t one but they could check on a holding for me. I had 75 different holdings as of this writing, so you can imagine how very pleased they were to accomodate my request. But, they did, and the results are listed on my Google sheets on the Dividends tab.

Anyway, back to robinhood.

I signed up for an account, and also set up weekly deposits of $25 to the account. Hey, I said I was going to start very slowly, and I meant it. If it works out to my liking, I might increase the amount at some point. I guess that starts next Monday (the 22nd), and I guess they only do that sort of automatic deposit on Mondays. They’re really not very forthcoming with information on that subject prior to signing up. They also only allow access to your account through their “app”, either available on Google Play or the itunes store, depending on what type of phone you have. Seems odd, but I guess it keeps their costs down. They do have a “plan” that costs $10/month if you want to sign up. I declined to acquiesce.

Now, as far as what I’m doing;

Since robinhood is only for holdings that aren’t available using Capital One Investing’s sharebuilder plan, or Automatic Investment Plan, or AIP (they should really shorten their name, don’t you think?), I’ll begin there perhaps by investing in things like OXLC, RA, KIO, IVH, etc.

Capital One Investing’s sharebuilder plan, or Automatic Investment Plan, or AIP has the lowest cost per “buy” trade order other than robinhood, and that’s where our Roth IRAs are held. Sell orders, OTOH, are $6.95 each, so balance that with a per trade cost to buy of less than $1 with a sell trade cost of $6.95, and the average is ~$3.975 per round-trip trade. Robinhood has no provisions currently for any type of retirement account, so they will stay where they are for now, at both current brokers; Capital One Investing (they should really shorten their name) & Fidelity (for the DTC discount plan).

Now, a little about my investing philosophy; “If they don’t pay, I don’t play”. I LOVE dividends! Dividends are my “main squeeze”, and capital gains are my “side piece”. (NOTE: My actual “main squeeze” is my wife, and I have no “side piece”.) So, if a stock pays dividends, I’m interested, and if they don’t I’m disinterested. Simple plan for a simple man.

Our #HYHRD (High Yield, High Return Dividend) portfolio is all about the income, so that’s what I look for in an investment; high yield while minimizing risk as best I can (dividend yields of ~5%+ & annual returns of ~10%+).

According to calculations done on my Google sheets, my current YOC (Yield on Cost) is much better than that! I have recently to begun to factor in the cash held in each account for the total portfolio value, so that has changed some of the calculations slightly. But, the total value of the portfolio is now more correctly reflected on the spreadsheets.

I have been asked what my “favorite” holding is, and I really can’t answer that. Here’s why; to have a favorite entails some sort of emotional attachment and I am not emotionally enamored with any of my holdings and would sell it all in a heartbeat if they fail to pay me. I’m tired of paying for things, and I want to be paid now. I feel it’s “my turn”, and there are “no cuts” in this line!

I don’t day trade, or swing trade, or play options (anymore).

If any questions are posted on my blog, I’ll answer them and include them here in future posts if they’re worthy.

I’ll also continue to try and be as helpful as I can on the StockTwits platform.

Here’s what someone said about me recently on Stocktwits;

@panda317 By far you are my favorite poster I’ve found on the Stocktwits message board.Carry on.

— James Wulgaert (@jwulgaert) May. 11 at 05:20 PM

I thought that was very nice…


I’m not telling anyone to buy anything or giving anyone any advice, because that’s illegal. You see, I have no letters after my name, like RIA, CFA, etc. I SIMPLY DO NOT GIVE ADVICE. I only tell (and show!) what I do. You, like me, are all alone in this.

And remember, always do your own due diligence!

panda_wildePat Rosenheim
(PandA Trader)
High Yield, High Return Dividend


About PandA Trader

I am, I think... "Disobedience, in the eyes of anyone who has read history, is man's original virtue. It is through disobedience and rebellion that progress has been made." -- Oscar Wilde
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