Portfolio Update July 2020: Bought 18 Stocks (4 New Buys!); Sold 9

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. Below is a snapshot of my stocks and ETFs portfolio as of 7/31/20:

Options Update: July 2020

Welcome to my monthly options update!

Here, I shall write monthly options update articles to keep track of options trades in my portfolio. Each options update serves as a status report on the open options and the obligations I have. A running tally of all my options trades and income to date are found on the Options page.

This was a quiet month for me, as I did trade any options.

Assigned Options

No option got assigned this month.

Income & Expenses For June 2020: Saved $7,664.33, 98.07% of After-Tax Income

Since 2014, I have been tracking my monthly income and expenses. You can see a breakdown of every penny I earn and spend. For perspective, this budget is for a household of two in a small US city. 

By documenting my journey, I aim to demonstrate the feasibility of saving a significant portion of your income and provide some ideas and inspiration for your own budget.

Below are my income and expenses for June 2020. You can see all my monthly budgets here.

	Jun 2020
Income
Wages	$7,649.73
Dividends	$1,674.64
Other Income	$602.43
Total Income	$9,926.80
Expense
Federal Income Tax	$1,492.97
Federal Tax Pmt/(Refund)
FICA-SS	$501.57
FICA-Medicare	$117.30
Housing
Student loan repayment	$0.00
Food	$114.72
Electric	$1.96
Water	$29.84
Gas/Heating	$4.11
Total Expense	$2,262.47
Surplus/(Deficit)	$7,664.33
Before Tax Saving Rate	77.21%
After Tax Income	$7,814.96
Ex-Tax Total Expense	$150.63
After Tax Saving Rate	98.07%

Net Worth Update June 2020: $1,795,051.56 (+$19,889.95, +1.12%)

Welcome to my monthly net worth update! Here is how my assets, liabilities, and net worth have changed over the past month:

	Beginning balance on 6/1/2020	+ Cash inflow /(outflow)	+ $ P/L	= Ending Balance on 6/30/2020	% P/L	% Equity
ASSETS
Current assets
Cash	(37,366.87)	(9,651.22)	0.00	(47,018.09)	0.00%	-2.62%
Bonds	26,214.17	(15.04)	218.28	26,417.41	0.83%	1.47%
Stocks	1,398,036.72	3,140.13	10,448.11	1,411,624.96	0.75%	78.64%
Total current assets	1,386,884.02	(6,526.13)	10,666.39	1,391,024.28	0.77%	77.49%
Tax-deferred retirement account	248,090.80	4,044.90	9,298.27	261,433.97	3.75%	14.56%
Roth IRA	83,733.93		3,024.91	86,758.84	3.61%	4.83%
Home	43,000.00		(1,000.00)	42,000.00	-2.33%	2.34%
Gold	18,772.11		355.41	19,127.52	1.89%	1.07%
Other non-current assets	509.42	40.00	13.39	562.81	2.63%	0.03%
Total assets	1,780,990.28	(2,441.23)	22,358.37	1,800,907.42	1.26%	100.33%
LIABILITIES & EQUITY
Liabilities
Current liabilities	299.96	27.19	0.00	327.15		0.02%
Long-term liabilities
Student loan	5,528.71	0.00	0.00	5,528.71		0.31%
Other non-current liabilities	0.00	0.00	0.00	0.00		0.00%
Total liabilities	5,828.67	27.19	0.00	5,855.86		0.33%
Equity (net worth)	1,775,161.61	(2,468.42)	22,358.37	1,795,051.56	1.26%	100.00%

Net worth: Bottom line up front, my net worth increased by $19,899.95, +1.12% this month due to marked-to-market investment gains ($22,358.37, 1.26%), partially offset by net cash inflow (-$2,468.42, -0.14%).

Here is the breakdown of my balance sheet:

Options Update: June 2020

Welcome to my monthly options update!

Here, I shall write monthly options update articles to keep track of options trades in my portfolio. Each options update serves as a status report on the open options and the obligations I have. A running tally of all my options trades and income to date are found on the Options page.

This was a quiet month for me, as I did trade any options.

Assigned Options

Two options got assigned this month, unfortunately, though as expected:
Trade #50: Sold 1 RCL put option strike 75 exp 6/19/20 for $908.88 net premium on 2/26/20. The option closed at 19.73, giving me an implied loss of $1973, for a net secured option income of -$1,064.12.

Trade #52: Sold 1 RCL put option strike 60 exp 6/19/20 for $1398.87 net premium on 3/9/20. The option closed at 4.73, giving me an implied loss of $473, for a net secured option income of $925.87.

Portfolio Update June 2020: Bought 22 Stocks (2 New Buys!); Sold None

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. Below is a snapshot of my stocks and ETFs portfolio as of 6/30/20:

Income & Expenses For May 2020: Saved $14,097.86, 98.81% of After-Tax Income

Since 2014, I have been tracking my monthly income and expenses. You can see a breakdown of every penny I earn and spend. For perspective, this budget is for a household of two in a small US city. 

By documenting my journey, I aim to demonstrate the feasibility of saving a significant portion of your income and provide some ideas and inspiration for your own budget.

Below are my income and expenses for May 2020. You can see all my monthly budgets here.

	May 2020
Income
Wages	$13,986.81
Dividends	$699.22
Other Income	$870.10
Total Income	$15,556.13
Expense
Federal Income Tax	$669.10
Federal Tax Pmt/(Refund)
FICA-SS	$501.57
FICA-Medicare	$117.30
Housing
Student loan repayment	$0.00
Food	$110.19
Electric	$3.99
Water	$29.84
Gas/Heating	$16.28
Other Expense	$10.00
Total Expense	$1,458.27
Surplus/(Deficit)	$14,097.86
Before Tax Saving Rate	90.63%
After Tax Income	$14,268.16
Ex-Tax Total Expense	$170.30
After Tax Saving Rate	98.81%
Goal	95.00%