#HYHRD: Dividends/Holdings 12/9 $OAKS $OIA $ORC $OXLC $PDT $PFD $PFO $PHK $PHT $PMF $PML $PMM $PMX $PSEC $PSF

Hi,

466958_390330904341744_768935412_o

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

This is the regular posting of the review of “Expected dividends and current holdings” of the #HYHRD portfolio.

The spreadsheet for each individual account is now found on my Google sheets.

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

This post examines recent & upcoming dividends and current holdings.

(This is where I double-check ex-dividend dates & amounts as well as dividend pay dates & amounts for the next 2 weeks.)

Continue reading

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#HYHRD: spreadsheets 12/9 $MAV $MFM $MHI $MITT $MORL $NAD $NEWT $NHF $NRO $NRZ $NVG $NYMTN $NYMTO $NZF

Hi,

3andme

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

I use Google spreadsheets for my holdings and to record dividends. They are as up-to-date as I can manage, but will lag by a day or so due to delays in the cost basis reporting from the brokerages. The share prices should update close to real-time, however, with a possible slight delay (~20 minutes) from Google.

NOTE: (Google will soon discontinue some parts of Google Finance, so there is an existential threat to my Google spreadsheets. They have given no warning, only that some of it will stop working “to enhance the user experience”. Assholes!)

From the Silver Lining Dept.: Since I use the TDM dividend and Investment Tracking Software, I don’t worry about Google’s asinine decisions anymore. This TDM software pulls all the dates and dividend amounts into the program automatically so all I need to do is input any buys and sells and the dividends are calculated automatically for me! I can pull up the ex-dividend list and it even shows ones in the past month I may have missed on my sheets and calendar. Mostly, though, I just use it now to forecast a week ahead for the ex-dividend dates, and subsequently the dividend amounts. The program will forecast several months into the future, based on historical amounts, but I’m only concerned with what I have earned (ex-dividend dates and amounts) and what I will receive (dividend projections) for the next 7 days (or 14 days, or 21 days, or 28 days, etc.) Also, I can select only what has been declared and omit the historical guess that the program makes, even though they’re pretty damned accurate.

On my Google spreadsheets, you can find portfolio holdings, dividend amounts, dates (dividend pay dates, record dates, declaration dates, dividend amounts, ex-dividend dates, etc.). I have moved the cash and withdrawal amounts to the Google spreadsheets as well as the dividends spreadsheet. I will still post screenshots on the Dividends Received page.

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

This series of blog posts is issued `weekly, but since the majority of our holdings pay dividends near the end and/or beginning of the month it may not always warrant a publishing blitz. There are usually 6 posts in the series when posted. The sharebuilder updates are issued roughly twice a month. The withdrawal update is issued monthly. I think you should try to catch all 6, plus the sharebuilder updates and/or the monthly withdrawal update if you’re so inclined. Occasionally I’ll throw something else up for ridicule or admiration like my recent final posting about “Profiting from Preferreds”, so feel free to be entertained!

Of course, if something major happens I might be tempted to throw something up about that. Or not. Like the recession, depression, World War III, or whatever…

From now on I will make sharebuilder investments twice each month (Usually on the 1st & 3rd Tuesday) using 6 of the 12 monthly ‘free’ trade credits for each “investment day”, with additional trades (if any) under the AIP plan costing $1 each. I will be investing proportionately. It’s all shown on the ind-PandA, Roth-P, & Roth-A account tab.

(NOTE: This will soon change. I will be transferring most of our holdings from Capital One Investing to Merrill Edge on or about mid-March, 2018.

Anyway, let’s continue with a look at the dates;

Continue reading

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#HYHRD: Charting the BDC Universe $NEWT $SAR $GAIN $TSLX $CSWC $EQS $GLAD $MVC $SCM $WHF

Hi,

3andme

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

I took a look at the BDC Universe today and attempted to chart them all on stockcharts.com but one or two wouldn’t chart correctly. What? You didn’t know there was a Universe of BDCs?

Undeterred, I continued and managed to chart them all and decided to post a linkfest. Each link will open in a new window and from there I suggest you right-click on “200 days” in the slider at the bottom of the chart. You can select different time period pre-sets, and I find that “past year” and “all” provide the best look(s) at Total Performance (appreciation plus dividends). If you double-click on “200” you can then edit and type whatever number pleases your majesty, but the chart will default to the limits of the symbols being charted.

Here, then, are the links. I’ve put the top ten based on “all” time period together as well, although that time period in these groups is shorter than I like;

Group with the symbol with the highest Total Performance (161.48% for $NEWT)

$HTGC $KCAP $MAIN $MCC $MFIN $MRCC $MVC $NEWT $NMFC $OCSI

Group with the symbol with the 2nd highest Total Performance (158.29% for $SAR)

$OFS $OHAI $PFLT $PNNT $PSEC $RAND $SAR $SCM $SLRC $SUNS

Group with the symbol with the 3rd highest Total Performance (89.92% for $GAIN)

$FSIC $GAIN $GARS $GBDC $GECC $GLAD $GSBD $GSVC $HCAP $HRZN

Group with the symbol with the 4th highest Total Performance (78.08% for $TSLX)

$TCAP $TCPC $TCRD $TICC $TPVG $TSLX $WHF

Group with the symbol with the 5th highest Total Performance (44.19% for $CSWC)

$ABDC $ACSF $AINV $ARCC $BKCC $CMFN $CPTA $CSWC $EQS $FDUS

Here’s a link to the 200 day chart for the BDCs in the title.

$NEWT $SAR $GAIN $TSLX $CSWC $EQS $GLAD $MVC $SCM $WHF

Play around with the charts, look at different time periods. The 200 day is fairly important, IMO. A common addition to most candlestick charts is the 200 day moving average. I think it’s a good place to start.

I hope this helps, and I hope it makes you think; Different time periods, Total Performance, etc.

For those that were wondering, PSEC (with dividends) was; -22.25% on the 200 day chart, -6.54% on the 1 year chart, & 19.72% on the ‘all’ time period (in the group chart – chart it alone and see what happens to the “all” time period, which is closer to what I like to see when I’m charting the “all” time period).

🙂

your mileage may vary, batteries not included, void where prohibited or taxed

PLEASE TAKE NOTE AND REMEMBER THIS!

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
Portfolio
pat@patrosenheim.com
http://www.HYHRD.com
pandawalk

 

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#HYHRD: TDM Software 12/2 $CSQ $CXE $DFP $DHF $DHY $DIAX $EAD $ECC $EVN $FFC $FHY $FIF $FLC $FPF $GAIN

Hi,

England_Pictures_216

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

NOTE: This post might be graphic-intensive, so might take a while to load on a mobile device.

NOTE: I absolutely love this program! Do yourself a favor and download it now. Give it a go for the 45-day free trial. If you like it, pay for it. If not, then don’t pay. Smiple! 😉 I am finding it more and more indispensable! Don’t be afraid to report bugs to the author, he can’t fix them if he doesn’t know about them. I’ve asked for enhancements, and he has added some of them. He usually responds within a day!

I decided to start using the TDM software again. I downloaded it from http://www.thomasdividendmanager.com/index.php/download-tdm and I was good to go!

It’s different from my spreadsheet, and a lot less work for me. The TDM software gets the dividend dates, ex-dividend dates, etc. It then calculates the expected dividends, and is often closer to actual dividends received than my spreadsheet! So, I just post the screenshots here each week to let you all have a look at what the software is doing for me as far as recording stock buys & sells, dividends, etc.

I have set up the Fidelity accounts (and the joint taxable account held at Capital One Investing) to DRIP the dividends since there was a possibility I would be getting a discount (only at Fidelity). I love discounts! I love dividends! Discounted dividend stock sent me into a slight euphoria!

So, first I looked at the accounts;

tdm

This window pops up if you have more than one account and click the account name in the lower left corner. You can also set the location for the program data here.

For this post, I am going to look at the portfolio view(s) for each account, and we’ll take it from the top, so first on the list is Fidelity Roth-A and then we’ll continue down the list one by one.

Ready? Here we go…

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#HYHRD: The #Plan 12/2 $ACSF $AGD $ARCC $ARR $AWP $BDCL $BDJ $BFK $BGH $BKN $BTA $BXMX $CEFL $CLM $CRF

Hi,

meatwbnh

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.

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

I will continue to screen using the method(s) outlined in my 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 “harvest” capital gains by selling holdings at new 52 week highs with “limit orders” in minimum 100 share lots so I can specify AON (All or None). I may also sell for other reasons (i.e.; because I can, I felt like it, I needed the money, etc.).

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

Continue reading

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#HYHRD: Ex-div & pay dates 12/2 $QQQX $RA $REML $RFI $RNP $RQI $SAR $SCM $SPXX $STK $TICC $TLI $TPZ $TWO $UTF

Hi,

12525157_1026367650738063_2933739440530586978_o

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

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

These are the upcoming declared dividend pay dates and amount(s) expected from each stock (usually projected on the ex-dividend date, or after market close the prior trading day).

NOTE: Please accept my apologies for my failure to keep the dates spreadsheet, calendar, and dividend projections current while my wife was in the hospital during the hurricane and our subsequent recovery from same, which is still ongoing. It should be noted that the TDM software was able to “keep up” with all of the declarations and distributions, etc., as it automatically pulled that info into the program for all 90 of our holdings, and tracked all of it, without fail. Now do you see why I *REALLY* love this program?

These amounts are a compilation from all of our accounts, so some is taxable, some is tax-deferred, but most is tax-free. If you check out my Expected dividend spreadsheets you can see how it all breaks down, or you could just read my posts and look at the screenshots (ooooh, pretty pictures!).

The table, chart, and dial of monthly dividends since inception as found on my Dividends Received page on my blog follows;

Continue reading

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#HYHRD: portfolio #review 12/2 $OAKS $OIA $ORC $OXLC $PDT $PFD $PFO $PHK $PHT $PMF $PML $PMM $PMX $PSEC $PSF

Hi,

47625_165048493536654_6589011_n

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

It’s time for the weekly review of positions in the HYHRD (High Yield High Return Dividend) portfolio.

The spreadsheets for each individual account are now found in the Google docs spreadsheet.

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

This post examines all positions in the accounts. The trade logs are no longer updated because; a) it was a duplication of effort (the brokerage does it automatically), b) it was exceedingly tedious, c) figures from the brokerage were subject to change, making totals only approximate, and d) maybe it doesn’t need to be updated so frequently. I will post performance screenshots from our brokerages when they are available.

Not currently tracked or reported is my wife’s TSA, except for updates on the Balances chart.

“Smithers, release the hounds!”

Continue reading

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#HYHRD: Dividends/Holdings 12/2 $MAV $MFM $MHI $MITT $MORL $NAD $NEWT $NHF $NRO $NRZ $NVG $NYMTN $NYMTO $NZF

Hi,

466958_390330904341744_768935412_o

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

This is the regular posting of the review of “Expected dividends and current holdings” of the #HYHRD portfolio.

The spreadsheet for each individual account is now found on my Google sheets.

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

This post examines recent & upcoming dividends and current holdings.

(This is where I double-check ex-dividend dates & amounts as well as dividend pay dates & amounts for the next 2 weeks.)

Continue reading

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#HYHRD: spreadsheets 12/2 $GLAD $GOF $GUT $HIX $HPF $HPI $HPS $HYB $IVH $JPC $JPI $JPS $KIO $LDP $LEO $MAIN

Hi,

3andme

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

I use Google spreadsheets for my holdings and to record dividends. They are as up-to-date as I can manage, but will lag by a day or so due to delays in the cost basis reporting from the brokerages. The share prices should update close to real-time, however, with a possible slight delay (~20 minutes) from Google.

NOTE: (Google will soon discontinue some parts of Google Finance, so there is an existential threat to my Google spreadsheets. They have given no warning, only that some of it will stop working “to enhance the user experience”. Assholes!)

From the Silver Lining Dept.: Since I use the TDM dividend and Investment Tracking Software, I don’t worry about Google’s asinine decisions anymore. This TDM software pulls all the dates and dividend amounts into the program automatically so all I need to do is input any buys and sells and the dividends are calculated automatically for me! I can pull up the ex-dividend list and it even shows ones in the past month I may have missed on my sheets and calendar. Mostly, though, I just use it now to forecast a week ahead for the ex-dividend dates, and subsequently the dividend amounts. The program will forecast several months into the future, based on historical amounts, but I’m only concerned with what I have earned (ex-dividend dates and amounts) and what I will receive (dividend projections) for the next 7 days (or 14 days, or 21 days, or 28 days, etc.) Also, I can select only what has been declared and omit the historical guess that the program makes, even though they’re pretty damned accurate.

On my Google spreadsheets, you can find portfolio holdings, dividend amounts, dates (dividend pay dates, record dates, declaration dates, dividend amounts, ex-dividend dates, etc.). I have moved the cash and withdrawal amounts to the Google spreadsheets as well as the dividends spreadsheet. I will still post screenshots on the Dividends Received page.

I only post for my holdings, but they’re as accurate as I can make them. The symbols are; ACSF, AGD, ARCC, ARR, AWP, BDCL, BDJ, BFK, BGH, BKN, BTA, BXMX, CEFL, CLM, CRF, CSQ, CXE, DFP, DHF, DHY, DIAX, EAD, ECC, EVN, FFC, FHY, FIF, FLC, FPF, GAIN, GLAD, GOF, GUT, HIX, HPF, HPI, HPS, HYB, IVH, JPC, JPI, JPS, KIO, LDP, LEO, MAIN, MAV, MFM, MHI, MITT, MORL, NAD, NEWT, NHF, NRO, NRZ, NVG, NYMTN, NYMTO, NZF, OAKS, OIA, ORC, OXLC, PDT, PFD, PFO, PHK, PHT, PMF, PML, PMM, PMX, PSEC, PSF, QQQX, RA, REML, RFI, RNP, RQI, SAR, SCM, SPXX, STK, TICC, TLI, TPZ, TWO, & UTF. Quite a list, eh? (90 total issues held; 16 common stocks, 4 ETNs, 2 preferred shares, and 68 CEFs, of which 17 are tax-free muni CEFs.) Most pay monthly! Only ARCC, BDCL, BXMX, DIAX, MITT, NEWT, NRZ, NYMTN, NYMTO, OXLC, QQQX, SAR, SPXX, STK, TICC, & TWO pay quarterly.

This series of blog posts is issued `weekly, but since the majority of our holdings pay dividends near the end and/or beginning of the month it may not always warrant a publishing blitz. There are usually 6 posts in the series when posted. The sharebuilder updates are issued roughly twice a month. The withdrawal update is issued monthly. I think you should try to catch all 6, plus the sharebuilder updates and/or the monthly withdrawal update if you’re so inclined. Occasionally I’ll throw something else up for ridicule or admiration like my recent final posting about “Profiting from Preferreds”, so feel free to be entertained!

Of course, if something major happens I might be tempted to throw something up about that. Or not. Like the recession, depression, World War III, or whatever…

From now on I will make sharebuilder investments twice each month (Usually on the 1st & 3rd Tuesday) using 6 of the 12 monthly ‘free’ trade credits for each “investment day”, with additional trades (if any) under the AIP plan costing $1 each. I will be investing proportionately. It’s all shown on the ind-PandA, Roth-P, & Roth-A account tab.

(NOTE: This will soon change. I will be transferring most of our holdings from Capital One Investing to Merrill Edge on or about mid-March, 2018.

Anyway, let’s continue with a look at the dates;

Continue reading

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#HYHRD: The income phase of The #Plan #UPDATE for December, 2017

Hi,

3andme

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

We are now in the income phase of portfolio management, partially (or totally) withdrawing each month from the available settled cash from earned dividends *only* (leaving all positions and principal untouched, except for trading activity)!

Holdings that are being DRIPped are shown on our Google sheets on the Dividends tab.

As of June 1st, 2017; Only holdings that are part of the DTC discount plan in the Fidelity accounts will be DRIPped, i.e.; everything held at Fidelity is being DRIPped. I am also DRIPping our joint taxable account at Capital One Investing. So, only the Roth IRA accounts at Capital One Investing are NOT being DRIPped as well as the small Robinhood account I just opened. I have re-set all Fidelity accounts to hold only DTC-eligible securities. I believe this is the best way to maximize these accounts, at this broker, at this time. The DTC discount plan is not available at Capital One Investing, so a different tactic is being employed where I invest on my schedule, in the holdings I want, as often as I want. The most any of these (AIP) “Automatic Investment Plan” investments will cost is slightly less than $1.00. Sell trades cost $6.95 each. I tried to get them to lower it, but it’s only on our joint account that we still have the old “Costco Promotion” pricing of $10/month for Advantage program and $4.95 sell trades. They offered me some trade credits, instead. C’est la vie!

Part of the cash in our Roth IRA accounts will be withdrawn each month on an ‘as needed’ basis. The available withdrawal amounts are shown on the cash tab on our Google spreadsheet.

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