Friday, November 27, 2015

Dividend Income Update - Q4 FY15

I am attempting to tabulate the dividend income update on a quarterly basis from now onwards since I think it provides a better visibility comparison year on year.

The purpose of doing this is really just about forcing myself to consolidate the amount of dividend income received every quarter because this will ultimately be what I am going to depend on once I reach the state of financial independence. So the progress will be an important feedback to how close I am reaching the goal.


 

Regular readers of my blog would know that I am a heavy proponents of cashflow and dividend investing provides the root solution for that. The reason for that is because companies which tends to pay dividends allow shareholders to reap the rewards in the form of dividends that they can use to fund their lifestyle elsewhere. Sure enough, we can argue that some companies use the retained earnings to fund for their further growth, but it really depends much on the capability of the management to ensure that growth takes place which can be difficult to sustain especially if the growth has stalled in the latter years.
 
Think about it this way.
 
Many workers look for a job that ensures the company pays sustainable salary and increments every year, benefits such as medical leave and paid vacation. The company you are working for does undergo changes depending on the macro economic conditions and there will be a time when they will face difficulties and your increments and bonus will get compromised.
 
It really goes the same way if you are a shareholder.
 
Sometimes, the dividends of the companies you are vested in gets cut or stay stagnant when companies face some challenges but over the long run, strong companies will mange to bounce back and reward their shareholders.
 
If the theory stays true, then why are there are so many people who are willing to work until 30 or 40 years but unwilling to stay invested for the long term in a similar ways? It definitely gives some food for thoughts in a different light.

Without further ado, these are the dividends that I have received or will receive in the 4th quarter of FY15.


CountersDividends (S$)
Accordia881.6
FraserCenterpoint Trust171.5
Silverlake Axis259.2
Total1,312.3

The total amount of dividends received for the 4th quarter amounted to $1,312.30. I used to have a traditionally strong dividend income for the 4th quarter in the past due to a couple of more reit holdings but it has since tapered off. I guess they are still a very good amount of money that I will mostly likely be using it to reinvest in the market given that there seems to be a couple of nice opportunities recently. I'll update that shortly in my next portfolio update for Dec.

12 comments:


  1. We may require more than a few years and probably more than a decade of planning and experience to grow our Dividend Money Tree that is sustainable for a long time across market and economic cycles.

    ReplyDelete
    Replies
    1. Hi Uncle CW

      Plant the trees early so the fruits will come sooner ;)

      Delete
  2. Hi B ! All the best in building your " dividend money tree " ,,,cheers !

    ReplyDelete
    Replies
    1. Hi STE

      Thanks for your encouragement and conviction ;)

      Delete
  3. Hi B

    Dividends is the beauty of stay invested along time. Up or Down, you still win.

    ReplyDelete
    Replies
    1. Hi FD

      You are right. I like it the way we play the monopoly game. Buy and getting dividends whenever the time is due.

      Delete
  4. Hi B,

    I can see that you have quite a substantial holdings in Accordia. Its share price has nosedived in the past 1 month or so and I have been receiving email alerts that the big boys have been dumping their shares almost on a daily basis.

    What is your take on this?

    ReplyDelete
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