The Investment Road to Freedom

January 31st, 2016 at 10:35 am

January 2016 – Month in Review

Wow January was a tough month for the market but with all the downs my portfolio came off much better than what I had expected when I totaled everything up.

New Purchases: $900.19

  • Bought 8 shares of Disney (DIS) at $99.03 each. This was in my IRA account.
  • In my Loyal3 commission free account I bought 0.7236 shares of Coca-Cola (KO), 0.357 shares of Apple (AAPL), 0.2381 shares of Disney (DIS) and 0.1305 shares of Hershey (HSY)

Sales: $1606.03

  • Sold 100 shares of Ruth’s Hospitality Group (RUTH) at $16.15. I was originally assigned these shares in May when my $15 Put was exercised. Total return for this trade including capital gains, dividends as well as Call and Put income that started in March is $210.14 or a 13.93% return.

Option Trades: $48.05

  • Ford (F) – STO 1x Feb 2016 $13 Put at $0.72 x 100. This earned me $57.02 after commission. This is in my IRA account.
  • Starbucks (SBUX) – BTC 1x Feb 2016 $65 Call at $0.04 x 100. This cost me $8.97 after commission. This is in my IRA account.

Dividends: $12.64

  • Disney (DIS) – $9.80
  • Viacom (VIAB) – $0.93
  • Wal-Mart (WMT) – $1.67
  • Nike (NKE) – $0.24

In 2015 I received $1.51 for this month. 2016 is a 737% increase!

Forward 12 Month Dividend Forecast: $521.72

Deposits: $1132.82

Investment Road to Freedom fund value:

The fund value stands at $43225.37 -0.70%

The breakdown of the individual accounts show

  • 401k = $15434 -3.59%
  • IRA = $16369 +2.50%
  • Taxable = $7477 -4.81%
  • Other = $1810 +10.23%
  • EF = $308 +0.33%
  • Lending Club = $526 -1.31%
  • Loyal3 = $1298 +7.27%

A slight drop of 0.70% considering the month we have had is not to bad. I’m working on removing the Lending Club account. I’ve had a good return with it but I believe it works better in a IRA type account and I don’t want mine there. For this year I want to get my 401K, IRA and Taxable accounts all above $20k each which I think I can do. A year ago my fund value was $33,958 which is just under a $10K increase.

Credit Card Debt: $13455 -0.33%

Home Improvements on a 0% card. Working on this.

Car Loan: $20859 -2.10%

Slowly paying this down. Long way to go.

Mortgage: $169596 –0.14%

Our monthly payment is $1239.90. According to Zillow the home is worth $272,000.

Income from Credit Card Rewards: $50

Everyone loves free money.

Net worth: $111,312 +3.06%

Summary:

Getting a Net Worth increase after this month was impressive! Despite the market being a difficult month there are a number of good things that happened – over $1k deposit, best January for dividends, debt all going down even if slowly and decent option income.

Hope everyone had a great month!

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