The Investment Road to Freedom

May 31st, 2014 at 8:59 am

May 2014 – Month in Review

May was a month that I built up my Apple position as I get ready for the 7:1 split next week. My goal is to eventually get 100 shares so I can do covered calls. I’m at 7.0674 shares now. I hope to reach that target next year. I was also hoping May might be the month my portfolio hits the $30k mark but it was not to be. That will come next month!

New Purchases: $4055.57

  • In my Loyal3 commission free account I brought 2.6986 shares of Apple (AAPL), 0.4319 shares of Disney (DIS) and 0.4600 shares of Wal-Mart (WMT).
  • 4 shares of Apple (AAPL) at $593.68 for a total of $2384.57 in my regular taxable account.

Sales: None.

Option Trades: None

Dividends: $6.77

  • Apple (AAPL) ā€“ $6.77

First time I’ve ever had a dividend payment in May and the first I have received a dividend payment for three consecutive months. 2014 dividend income now stands at $50.41

Forward 12 Month Dividend Forecast: $270.90 +49.26%

Huge increase from last month no doubt driven by a big month in buys in my portfolio last month.

Deposits: $609.42

Considering we had a vacation at the beginning of the month this figure is not to bad. Out of this $609.42, $105.19 went to my 401K, $155 to my Roth IRA, $25 went to Lending Club and $324.23 to Loyal3. Total deposits for the year stand at $2730.85 or an average of $546.17 per month. My goal is $1000 so I need to really pick this up.

Investment Road to Freedom fund value:

The fund value stands at $29579.80. +4.24%

The breakdown of the individual accounts show

  • 401k = $12409.68 +2.43%
  • IRA = $6028.04 +3.52%
  • Taxable = $6727.55 8.63%
  • Other = $1786.68 -0.96%
  • EF = $165.84 +10.71%
  • Lending Club = $315.92 +15.35%
  • Loyal3 = $2146.09 +153.06%

The drop in my taxable is because I transferred funds to my Loyal3 account ā€“ hence the big increase in that account. Should break the $30k mark in the next month.

Credit Card Debt: $2348.56 -3.14%

Working on this.

Car Loan: $29751.65 -1.38%

New vehicle is one year old. Iā€™m looking forward to paying this down even more. I’m in the twenties now. My car loan is greater than my entire portfolio :( After next month that will never happen again :)

Mortgage: $174243.90 -0.13%

Our monthly payment is $1210.

Income from Pay: $3977.44

Got a pay-rise this month. It works out to something like an extra 80 cents an hour.

Net-worth: $76251 +1.25%

After last months drop now on the way back up. The figure is higher than this but I don’t include things like value of my vehicle.


Wow a big month of buys. Not sure when I will spend over $4k on stocks in one month again. Next month should be a big month as I break that $30k mark.

Hope everyone had a great month!


  • Chad
    9:35 pm on May 31st, 2014 1

    Good progress on everything this month! Looks like everything is moving in the right direction for sure. I am sad to see that you have a $30k car loan. If you want reliability you can buy a new Hyundai with a 10 year warranty for !15-18k… or you could buy a used Honda and be up way more. It’s my opinion that a brand new car is the worst thing you can do with your money! However, if 30k is a super small percentage of your income that would skew my opinion.

    9:57 am on June 1st, 2014 2

    Hi Chad, yeah a 30k car loan is not the greatest but it will be paid off in a few years plus it’s going to last me a while. I’m going in the right direction and I know a year from now I’ll be in a good place.

    Thanks for stopping by!

  • CI
    2:14 pm on June 1st, 2014 3

    Looking good there. Keep on working your plan and good things will surely follow. That pay raise will help, congrats!

    4:35 pm on June 9th, 2014 4

    Thanks CI. Pay rises are always a good!