hello everyone and thanks for tuning into the financial investor channel my
name is Brent and today we're going to be covering the m1 finance
end-of-the-month portfolio changes for May 2018 so I currently have the m1
finance Roth IRA changes for April 2018 you can see that the equity of the
portfolio had five thousand two hundred and twenty two dollars and sixty nine
cents and we had made $17.45 and dividends so in this video we're gonna
be covering the equity of the position we're gonna be covering how many
dividends how much we got paid out in dividends what stocks paid out dividends
that our portfolio equity increase or decrease that our gain increase or
decrease in that our overall percent for the portfolio increase or decrease so
we're gonna go over all of that in today's video so if you are brand new to
my channel or have not yet subscribed go ahead and subscribe I make stock market
real estate related investment videos so consider subscribing for future videos
so let's go ahead and jump over to m1 Finance so I think this is a great
broker I've been using this for the past five months now as of January 2018 I
made a video covering all the benefits of m1 finance from there no fees partial
shares and my favorite thing is the retirement accounts it's a great
portfolio check out the video top right corner I go over all the benefits on
there so kind of get it into the video here let's go to our we'll take a quick
look at the market today as Thursday as you know the market did do a bit of a
dive because the tariffs the u.s. implemented tariffs on China that hurt a
lot of the stocks and caused the sp500 at Dow Jones to follow the most or as
the Nasdaq it did fall a little bit earlier in the morning picked up about
mid-afternoon and kind of tinkered off and kind of mellowed out towards the end
of the day bottoming out you know I would consider that not moving at a loss
of point zero two percent so Tuesday we had that overseas thing with banks for
Wednesday we recovered from it there they tariff so it's been a fun week this
week let's jump over to our portfolio so value right now we're sitting at five
thousand two hundred and eighty $7.93 we were at five thousand two hundred and
twenty dollars and sixty nine cents so that is definitely a gain right there
let me bust out my handy-dandy calculator we punch it in that number
and we subtract five to two 2.69 69 so our equity in our portfolio
increased by sixty five dollars and twenty four cents so I would say and
consider that a win our difference there we were sitting at negative three
hundred and seventy seven dollars and eighty three cents we're now sitting at
three hundred and twenty five dollars and fifty seven cents so we decreased
our loss by sixty five dollars and twenty four cents we had been paid out
in the month of April a total amount of fifty dollars and five cents of
dividends from the following months until April and May since the entire
time that we've been investing we had made sixty six dollars and seventeen
cents so sixty-six seventeen minus fifty dollars and five cents so in the month
of May this portfolio made sixteen dollars and twelve cents of dividends so
that's a very nice return and dividends for the size of the portfolio I think if
we take a look if we divide the total amount of dividends that we've been paid
over just the last five months that we've been ambassador in the stock
market over on m1 finance we've made roughly thirteen dollars and 23 cents on
average per month so this is all within the Roth IRA account this is a
non-taxable account meaning that any sells any trades that I do it since
account if I make any sort of capital gains capital losses I don't have to
report them whether I make a thousand dollars five thousand dollars those
dividends the interest the capital gains that doesn't have to be reported to the
IRS because it's all traded within a retirement account if you guys would
like to make your own Roth IRA it's a self-directed Roth IRA
meaning that you get to invest your own stuff in there you're not getting paid
any you're not charging any fees or any of that
check out top right corner I'll have how you guys can start your Roth IRA account
now as far as we've already covered the gain and the loss and our return here
we're at negative five point eight seven percent we were down at six point eight
four percent so we've actually recovered by a little over a percent not quite one
percent but we're gonna go ahead and say that over the month of May we've
actually increased our portfolio by nearly one percent so that's very good
and here you can see that we have four stocks in the green whereas in the past
video we only had one stock in the green we had Cisco up at thirteen point seven
five so this month Cisco did pull back a little bit due to their earnings their
earnings came out the revenue didn't quite meet its you know expectations and
their stock did fall a little bit there you can see that they lost a little
about a little bit around four to five percent since the last video that we
covered Cisco on but some of our other stocks did increase in the green now we
have Apple up seven point two five percent where it was down three point
three three percent due to the scare that the technology stock came out
saying that their devices weren't selling as much due to a carrier and
people sold off Apple I bought Apple they're on side my other account it was
very nice Pfizer also up in the green and WP Carey
is up in the green these are all real estate investment trusts now I created
this portfolio with fifteen stocks I go over how to create your very own like if
you like an ETF but you don't like it because the expense ratio and all the
fees that are associated with the ETF you can actually take those individual
stocks and make your very own ETF I go over it in one of the videos covering
how to create the essential forty stock ETF top right corner I'll have a link to
that video if you guys are interested in making your own so
of ETF within m1 finance and here you can see if I click on the details of
this portfolio I have 15 stocks they have zero expense
ratio meaning that I pay no fees you know to have the account plus I'm not
paying anybody else to manage my portfolio I do it all for myself
average dividend yield currently sits at three point five one percent when I
initially bought these stocks it was at three point two five percent due to the
loss I bought all these stocks on the 8th of January or a majority of them
were on the 8th of January so since then you can see that the market has came
down and that's why I my portfolio is currently sitting in the red and why the
average dividend yield has increased because the yield on cost has increased
that yield has increased in comparison to the cost so jumping back over here to
the portfolio we can see all of our holdings here now what sort of activity
did we have in the month of May so I actually only deposited $20 of my own
cash in the month of May this is actually due to a scheduling hiccup that
I had and I'll go ahead and cover that here in just a second so and the month
of May a couple dividends that were paid out it's AT&T the AT&T they paid out
five dollars and five cents I also deposited that ten dollars to meet the
threshold of triggering a by with fifteen dollars and five cents it bought
Altria Group $3.26 of that stock and it also taught AT&T eleven dollars and
seventy nine cents of that stock so with only fifteen dollars I was able to buy
two shares or two different socks there now the second trade was on May 10th and
I was paid out $3.82 here by Blackstone Group one was a dollar thirty and one
was two fifty two so right there there's probably some sort of special pale so
together they made 382 I also deposited ten dollars and had a total of fourteen
dollars and seven cents within the account that triggered the buy so I
bought johnson and johnson austria group and AT&T and walmart a couple couple
ends in there anyways i bought four stocks without fort
and the difference here so I put $10 in I had 382 there was some dollars in
there that were still sitting in cash that is due to my scheduling conflict I
actually changed my banks around and I forgot to reset up my schedule so that's
a little bit funky right there and you can see that I missed out on two weeks
of investing ten dollars in to the stock market there so we can kind of go back
if that's not really that interesting anyways I do have three dollars and
twenty four cents three dollars and 25 cents right now currently sitting in
cash within the account that's not deposited but I'm gonna go ahead and get
that started again here soon catepillar paid out a dollar sixty three
Apple pay it out one dollar in 61 cents now as far as scheduling go if you go to
funding and here towards the bottom you can see that I only completed two
transfers into my Roth IRA during the month of May and there were only $20 so
I had changed my account from Chase to my USAA account so I kind of changed a
little bit of fluctuations and if I go to my schedule I had a reset up my
schedule in here once you change your banks around you have to stop your
schedule you change your banks around and then you have to go back in here and
set up your deposit I have a whole video covering scheduling a ten dollar deposit
and if you guys would like to check that out how you schedule your very own ten
dollar threshold deposit I do that because threat ten dollars is the
minimum amount in order to trigger a trade and I want my previous week's
dividends to get triggered and go into the market every single week to begin
buying more shares even you know when it's average it up average down majority
of my stocks can be average down right now so it's a great buying opportunity
m1 Finance does all that for me it buys my lowest target percent stocks that are
down so it does all of that for me and I got that all kind of going now so next
week on Monday I'm gonna be putting ten dollars in those dividends that are
currently sitting here in cash that $3.25 I'll be depositing $13.25 of new
money into the market on now here are all my holdings here you
can see the weight that shares the cost and the value you can also see the
target here and the actual target and the actual so our actual is on top and
targets on bottom so a couple of these AT&T is under the 7% target so AT&T if
it's less so I actually Johnson and Johnson's that is six point two out of
seven so that's a difference of 0.8 and I believe that's probably the biggest
difference there so what would happen is the next time that there's money
available in my account my my finance will automatically by the lowest actual
stock equity within my portfolio in order to reach the target or at least to
reach the second actual threshold and then it'll invest into the other stock
so right now we're sitting at point eight difference here and a point four
difference here so the next time this is actually here point five difference here
so the next time money goes into my account it'll probably buy AT&T and
it'll probably it'll invest into Altria and it may pick up Johnson and Johnson
as well because those stocks right there are Johnson and Johnson will trigger
first because it's down by 0.8 followed right behind by Kimberly Clark maybe
Walmart is down in point five as well anyways you get the difference you get
it you get it right okay so that is the portfolio now over here on my
spreadsheet I keep track of all the ticker symbols the shares the buy price
the buy cost how much each stock pays out in dividends the annual income
average yield and all that information so what I'm gonna start doing is every
single quarter I'm gonna update the payout ratio because that's something I
don't change and I do change the dividend payout every single month that
I do these videos so I keep track of what stocks increase their dividends and
as you know last month Apple increase their dividend caterpillar no Avery
increase the dividend and johnson and johnson increase their dividend so that
really helped that portfolio up increase in pale so here our portfolio changed
slightly as far as original cost 5650 we're at 56
79 so we have roughly two $29 huh okay it looks like we have 29 dollars of new
money in the account I think it would actually be a little bit more but there
is still some money sitting in cash right now so I'm gonna go ahead and
trust it that's all the numbers match up between m1 finance and here if you look
at these numbers here and you stop the video and you look at all these numbers
here and you stop the video all those numbers match up and so do the original
costs and all of that anyways so the difference here that mainly changed was
that the Blackstone Group actually decreased they're pale so this number
here changes very you know it changes quite a bit I don't actually go by this
number I have it within my portfolio it's just two dollars and 20 cents if we
actually jump over to the Blackstone Group it's at one dollar and 40 cents
but it does change a quarter after quarter so last quarter it was 85 cents
the quarter before I was forty four cents fifty four cents so it does change
just about every single quarter that payout changes which is going to have my
portfolio fluctuate as far as annual income going down or up base off that
stock but if we remove that stock here and start with main real quick we'll see
that our annual income if we keep out Blackstone and just trigger these ones
that's a one seventy eighty so one seventy eighty - and we jump over to
April and we gather all these ones up besides the Blackstone we're at 169
twenty-nine so minus 169 twenty-nine that's a difference of a dollar 51 so I
added $20 into the portfolio for the month of May and I reinvested those 16
dollars of dividends that were paid out in the month of May
now without including Blackstone in that group the difference that's the
portfolio and the annual income increase was by a dollar fifty for a dollar fifty
one if you divide that by let's see if you divide that by 12 that
gives you a roughly 12 cent increase per month but that compounds month after
month that doesn't that number doesn't seem all that amazing but overall for
the year my annual income increased by $1 what I think was a dollar 30 and
that's not including Blackstone Blackstone will give it a little bit of
percent up and down as well so that is basically it all that I want to kind of
cover it with in this video here is May and that is basically it so if you guys
are interested at all in checking out m1 finance I do recommend checking it out
at least one time in order to start your individual account you do need to invest
$100 if you want to start your Roth IRA you can start with $500 and I have a
referral link in the description below as well as in the comments section if
you click on the referral link you invest $100 into your individual account
you also get $10 you can then take that hundred and ten dollars create a Roth
IRA account move your stocks your money out of your Roth or your individual cow
move them into your Roth IRA of course your individual account is a taxable
account whereas your Roth IRA is not a taxable account so they definitely know
the difference there but as an example here ok so I pulled up the individual
account here so the individual account has 140 $3.66 I started with $100 it's
made three point zero six percent return which is roughly three dollars to 66
cents but I've also invited friends family co-workers I've had a couple
subscribers and viewers reach out to me via Facebook okay my kiddo jumped it
food's ready so anyways I do have to end the video
very quickly but overall my friends my family coworkers I've had people reach
out to me on Facebook asked me a couple questions about m1 finance ever you know
replied to them and talked about you know whatever they had questions on and
they definitely enjoy the platform so if you haven't checked it out I do have a
complete playlist I'll have that linked in the top right corner as well in order
to have that checked out so that is basically
all that I want to kind of cover in this video so again I want to thank everyone
for watching up to this point if you did like the video remember to hit the like
button below if you haven't yet subscribed you're free brand new to my
channel hit the subscribe button for future financial videos if you have any
questions at all whether it's over investing real estate m1 finance leave
it in the comment section below I always reply back to you guys's comments I
appreciate and enjoy reading them as a friendly disclaimer I'm not a financial
adviser or tax professional the information provided is my opinion for
entertainment and fun this is not investment advice this is just me as a
financial investor trying to help others make their mom makes their money work
for them so thank you guys for tuning in I will see you next time have a great
day bye
Không có nhận xét nào:
Đăng nhận xét