(Updated April 12, 2017)

“There is more than one road to Dublin.” -Taylor Larimore

Taxable:

  • Vanguard Total Int Admiral (VTIAX)  34.52% of portfolio
  • Vanguard Total Stock Admiral (VTSAX) 36.87 % of portfolio

Roth IRA:

  • Vanguard Small Cap Value Admiral (VSIAX) 10.92% of portfolio
  • Vanguard Total Bond Admiral (VBTLX)  17.9% of portfolio

Allocation Goal: 45% US Stocks (tilted small cap value) , 35% International , 20% Bonds

Plan:

Currently Dollar Cost Averaging (DCA) into VTSAX twice a month. I will switch to VTIAX if it starts getting heavily tilted towards US. I will add more to VBTLX in January 2018 to increase bond percentage. I have not set a strict reallocation plan yet (leaning towards a +/-  5% off goal allocation). I never would have guessed that having some bonds would decrease the worry factor.  Once again I have been proven wrong. I suppose Harry Markowitz was right when he said that diversification is the only free lunch.

This allocation will hopefully prepare me to withstand the bear market whenever it decides to come out of hibernation. I do not know when this will happen. I am not going to waste my time even guessing. All I know, is that it will eventually happen. I am trying to mentally prepare for it, but it is hard since I am a young padawan investor. The goal is to avoid ‘youth is wasted on the young’ mistakes.

I only have my limited experience and what I read and learn from others to base my decisions off of. I will be excited if/when I can make it out of my first real bear market without making an atrocious decision.

Good luck to all! Keep leaning in.

 

-JT

 

 

 

31 thoughts on “My Portfolio

  1. Looks like a nice start to a dividend portfolio, DD. Not familiar with NAT – will have to check it out – although that yield seems dangerously high. Really like the rest of your positions. Looking forward to follow your journey and see how you build your portfolio and the income stream increase year after year.

    Best wishes
    R2R

    Reply
    • Agreed, the NAT yield does seem unusually high and in most cases difficult to sustain. I wouldn’t be surprised if they cut that dividend soon. It’s curious that their share price TANKED (haha sorry couldn’t resist) back in 2011 though and is only now starting to recover. 3-5% yield is typically the sweet spot for most quality companies in terms of continued growth and sustaining dividend yields. Otherwise looks like a good portfolio. I have (or did have) all of those except OKE and NAT.

      Reply
  2. Yeah NAT doesn’t really mesh with my portfolio. I wanted to get grab a shipping company though and decided on Nordic American over Teekay Tankers (TNK). Mr.Nerd no need to say sorry. I almost picked Teekay because of their ticker symbol. “Awww man my TNK tanked today!” Yeah I barely resisted that. I don’t plan on adding to it unless it drops heavily. Starting to build positions in low beta stocks like JNJ.
    Thanks for dropping by!
    JT

    Reply
  3. Not a bad looking portfolio to start with. Lots of high yield names which is a little dangerous. If I was just starting out I would go for the boring consumer staples/industrial. Chase dividend growth rather than current yield. So many great companies to invest in that pay dividends that are not GRPN, P or some penny stock. Why waste your hard earned dollars on that when you have “boring” stocks like KO, PEP, KMB, UL, EMR, ITW, CAT, PG, CL, CLX, VFC, PM, ABT, GIS, SO and soooo much more that can pay reliable growing dividends instead.

    Reply
  4. JT,

    You’re off to a great start here, especially for someone of your age. I can only WISH I would have been rocking a portfolio like this 25 years old. You’ll be killing it in another 10 years, even with modest additions here and there. But if you stay aggressive with it, amazing things will likely materialize.

    I would be a little cautious with the obvious chasing of yield here, though. Many are solid companies, but that’s not to say that things can’t change there. You’re not diversified enough (yet) to sustain a few big hits, so just be mindful of that moving forward.

    Keep it up!

    Cheers.

    Reply
  5. Thanks for the input Jason! I completely agree that I am not diversified enough yet. I want to add more to JNJ, pick up PEP or SJM, and PG. Have a good weekend!

    JT

    Reply
    • Heyya investment hunting! Lanny and Bert do awesome work over there and are a huge inspiration to myself. Thanks for visiting and take care.

      Reply
        • No, I hadn’t heard of SNY until just now. I like the 4+% yield and that they have an animal health segment at first glance. People love animals more than people.

          I have thought of Zoetis in the past but this seems better at first glance. On my radar!

          Reply
  6. I really like a lot of the companies you are holding right now. The only one we have in common is Apple, however, you have a few others that I plan to own eventually. A few of the potentials on my list include DIS, SBUX, TD, JNJ, & BNS. As I continue to gain experience with investing, I keep leaning more towards index funds. I am now thinking I will hold 10 to 15 of only the best companies and the rest all in S&P 500 Index funds. Thanks for sharing your portfolio though. It’s quite impressive. Keep it up!

    Reply
    • Thanks Graham! Yeah, hard to go wrong with the S&P 500 index. I personally find the mental challenge fun from making my own decisions on stocks. If I didn’t I would definitely do a low cost index fund because I am all about SIMPLICITY.

      JT

      Reply
  7. Nice portfolio you got out there JT. I really like your POT position as well.. Your annual income is still low right now but if you continue to compound your portfolio. You will get nice yield in the future.

    Reply
    • Agreed! Still too low. Trying to hit $3k by EOY. Should be able to. Then probably going for $5k the next. Will see how it goes. Thanks for dropping in Bunny!

      Reply
    • It’s not a bad one IMO. Not a current holder now as will have to update my portfolio when transition is completed. SFL was another shipping company I considered.

      Good luck!

      JT

      Reply
  8. I’ve read everyones concerns about NAT but man, they really are sustaining that dividend and I’m impressed with what they contribute to your annual payout. Great looking portfolio. I would try to add a few more big names though. That NAT position is looking a little large.

    Reply
  9. Yeah, I’m a fan of NAT as long as you buy at right price which seems to be low 8s / sub 8s, Not 14. No longer hold as I am still in the process of moving to Vanguard index. Will post new positions when finished.

    NAT could be very good if patient or very frustrating if not. No current position with them though.

    Reply

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