The Investment Road to Freedom

March 2nd, 2015 at 3:37 pm

February 2015 – Month in Review

When the month of February started I had a feeling it was going to be a good month for my portfolio. January was a good month built off new deposits of over $1k and I wanted to continue that momentum.

New Purchases: $115

  • In my Loyal3 commission free account I brought 0.1474 shares of Viacom (VIAB), 0.3486 shares of Disney (DIS), 0.2913 shares of Wal-Mart (WMT), 0.1899 shares of Hershey (HSY), 0.3581 shares of Microsoft (MSFT) and 0.1106 shares of Starbucks (SBUX)

Sales: None.

Option Trades: $21.08

AT&T (T) – BTC Feb2015 $34 put at $0.15 x 100. This cost me $29.27 after commission. This is in my IRA account.
AT&T (T) – STO Mar2015 $34 put at $0.54 x 100. This earned me $39.02 after commission. This created a net credit of $9.75.  This is in my IRA account.

Ford (F) – BTC Mar2015 $16 call at $0.64 x 100. This cost me $78.97 after commission. This is in my taxable account.
Ford (F) – STO Jan2017 $22 calls at $0.53 x 200. This earned me $91 after commission. This created a net credit of $12.02. This is in my taxable account.

Dividends: $19.32

  • Apple (AAPL) – $19.32

First ever dividend in the month of February. Total dividends for the year stand at $20.83.

Forward 12 Month Dividend Forecast: $368.82 +9.49%

Ford (F) raising the dividend from $0.125 to $0.15 a share helped push this up greatly this month. Looking forward to breaking the $500 mark this year.

Deposits: $1429.04

Out of this $1429.05, $820 went to my IRA for the 2014 contribution year, $482.04 for 401K, $12 to Lending Club and $115 to Loyal3. My immediate goal is to reach the full $5500 allowed for the 2014 IRA year – I have until April 15th to do this and I am currently at $4340. Total deposits for the years stands at $2504.04 or $1252.02 a month. My goal is $1000 total deposits a month so I am ahead of my plan.

Investment Road to Freedom fund value:

The fund value stands at $37084.11. +9.21%

The breakdown of the individual accounts show

  • 401k = $15325.88 +7.79%
  • IRA = $10409.86 +13.75%
  • Taxable = $8601.99 +9.30%
  • Other = $1824.27 -5.69%
  • EF = $281.95 +0.49%
  • Lending Club = $478.13 +3.32%
  • Loyal3 = $162.03 +286.89%

My highest total ever and hey $1k for each of my 37 years of age! Pushing for that $40k mark. Absolutely delighted to get the IRA over $10k for the first time.

Credit Card Debt: $0

Car Loan: $25788.10

Slowly paying this down. Long way to go.

Mortgage: $172199.01

Our monthly payment is $1269.24

Income from Credit Card Rewards: $95.77

This was from my Amex Costco card. Total rewards for 2015 stand at $195.77

Summary:

I’m very close to hitting the $5500 deposit for my Roth IRA for the 2014 year – I have until April 15th to make this goal and if I do it will be the first year I have maxed out my IRA. Been a really good month. Hopefully doing my taxes will not bring me back down!

Hope everyone had a great month!

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