The time has come for my monthly portfolio update. At the end of every month, I will update my portfolio and comment on any changes. I do that for accountability and also so you may glean some ideas on how I allocate my capital. You have the opportunity to learn from what I do well, so you can do the same, as well as what I do poorly, so you will not have to repeat my mistakes.
Follow my real-time portfolio here.
My transactions in September are listed as follows:
| Stock | Action | Cost | Price per share | % of Portfolio |
| AZO | Add | $2,940.00 | $735.00 | 0.37% |
| FOSL | Add | $2,071.00 | $27.25 | 0.26% |
| SRCL | Add | $1,911.84 | $79.66 | 0.24% |
| FISV | Add | $1,485.00 | $99.00 | 0.18% |
| NVO | Add | $1,479.06 | $44.82 | 0.18% |
| FOX | Add | $1,250.00 | $24.73 | 0.16% |
| DIS | Add | $1,150.00 | $94.01 | 0.14% |
| PII | Add | $1,036.00 | $74.00 | 0.13% |
| BFB | New Buy | $1,008.04 | $45.82 | 0.13% |
| TROW | New Buy | $1,005.00 | $67.00 | 0.12% |
| CVS | Add | $1,001.00 | $91.00 | 0.12% |
| WFC | Add | $990.00 | $45.00 | 0.12% |
| CTSH | Add | $980.00 | $49.00 | 0.12% |
| CHKP | New Buy | $973.05 | $74.85 | 0.12% |
| NVS | Add | $700.00 | $80.43 | 0.09% |
| NKE | Add | $650.00 | $55.89 | 0.08% |
| VFC | Add | $650.00 | $56.09 | 0.08% |
| SNY | Add | $600.00 | $39.14 | 0.07% |
| AFL | Add | $514.92 | $73.23 | 0.06% |
| DISCA | Add | $500.00 | $24.09 | 0.06% |
| XOM | Add | $321.22 | $85.51 | 0.04% |
| VMI | Add | $300.00 | $127.99 | 0.04% |
| EMR | Add | $296.02 | $51.79 | 0.04% |
| NSC | Add | $265.99 | $93.36 | 0.03% |
| EXC | Add | $235.88 | $34.06 | 0.03% |
| BRKB | Add | $200.00 | $150.48 | 0.02% |
| KO | Add | $200.00 | $42.33 | 0.02% |
| WMT | Add | $200.00 | $72.53 | 0.02% |
| SON | Add | $160.48 | $51.67 | 0.02% |
| MCD | Add | $150.00 | $115.57 | 0.02% |
| BDX | Add | $100.00 | $180.95 | 0.01% |
| BUD | Add | $100.00 | $126.81 | 0.01% |
| INTC | Add | $100.00 | $36.30 | 0.01% |
| MSFT | Add | $100.00 | $57.43 | 0.01% |
| NNN | Add | $100.00 | $49.31 | 0.01% |
| PEP | Add | $100.00 | $107.99 | 0.01% |
| UL | Add | $100.00 | $48.77 | 0.01% |
| YORW | Add | $100.00 | $28.79 | 0.01% |
| BMTC | Add | $67.48 | $32.21 | 0.01% |
| SPGI | Add | $31.98 | $121.74 | 0.00% |
| K | Add | $24.33 | $78.23 | 0.00% |
| PNW | Add | $5.41 | $74.96 | 0.00% |
| VTI | New Buy | $0.54 | $110.43 | 0.00% |
| VEA | Add | $0.29 | $36.85 | 0.00% |
| VWO | Add | $0.07 | $38.89 | 0.00% |
| PKX | Sold Out | -$0.03 | $50.00 | 0.00% |
| Bought | $26,154.60 | 3.25% | ||
| Sold | -$0.03 | 0.00% | ||
| Net | $26,154.57 | 3.25% |
Purchases
This month, I initiated 4 new positions and added significant amounts to a handful of others, most of which are attractively priced stocks near 52-week low with low dividend payout. Total bought this month amounted to $26,154.60. This brought my cash in brokerage accounts down to 25K. I have another 15K bonus coming next month, which will make next month another busy month for purchases.
This month, I initiated 4 new positions and added significant amounts to a handful of others, most of which are attractively priced stocks near 52-week low with low dividend payout. Total bought this month amounted to $26,154.60. This brought my cash in brokerage accounts down to 25K. I have another 15K bonus coming next month, which will make next month another busy month for purchases.
I also opened a wisebanyan account with a $1 deposit (which resulted in the small VTI, VEA, and VWO purchases), accepting their offer of $15 bonus if auto-deposit $10/month for 6 months. That is an annualized return of 25% after 6 months, so not a bad deal.
Sales
No significant sales this month. Portfolio turnover was 3.25% in September.
Here is how my assets, liabilities, and net worth have changed over the past month:
| Beginning balance on 9/1/2016 | + Cash inflow /(outflow) | + $ P/L | = Ending Balance on 9/30/2016 | % P/L | |
| ASSETS | |||||
| Current assets | |||||
| Cash | 52,219.36 | (12,046.87) | 0.00 | 40,172.49 | 0.00% |
| Bonds | 12,867.38 | (383.72) | 38.88 | 12,522.54 | 0.30% |
| Stocks | 530,162.31 | 26,154.57 | 598.97 | 556,915.85 | 0.11% |
| Total current assets | 595,249.05 | 13,723.98 | 637.85 | 609,610.88 | 0.11% |
| Tax-deferred retirement account | 135,265.98 | 1,618.99 | 1,375.96 | 138,260.93 | 1.02% |
| Roth IRA | 62,863.50 | 0.00 | 640.58 | 63,504.08 | 1.02% |
| Gold | 14,091.25 | 0.00 | 79.59 | 14,170.84 | 0.56% |
| Other non-current assets | 5,000.00 | 0.00 | 0.00 | 5,000.00 | 0.00% |
| Total assets | 812,469.78 | 15,342.97 | 2,733.98 | 830,546.73 | 0.34% |
| LIABILITIES & EQUITY | |||||
| Liabilities | |||||
| Current liabilities | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt | |||||
| Student loan | 7,579.76 | (145.77) | 0.00 | 7,433.99 | |
| Margin loan | 0.00 | 0.00 | 0.00 | 0.00 | |
| Total liabilities | 7,579.76 | (145.77) | 0.00 | 7,433.99 | |
| Equity (net worth) | 804,890.02 | 15,488.74 | 2,733.98 | 823,112.74 | 0.34% |
My personal rate of return was 0.34% in September.
My monthly performance against the S & P 500 is shown below:
| 2016 | My Portfolio Return | S & P 500 TR | |
| Jan | -3.69% | -4.96% | Good |
| Feb | 5.74% | -0.12% | Good |
| Mar | 3.99% | 6.79% | Bad |
| Apr | 1.39% | 0.39% | Good |
| May | 0.21% | 1.80% | Bad |
| Jun | 3.41% | 0.26% | Good |
| Jul | 4.25% | 3.69% | Good |
| Aug | 0.34% | 0.14% | Good |
| Sep | 0.34% | 0.02% | Good |
| YTD | 16.79% | 7.87% | Good |
It's been a good year for me so far.
