Well Rounded Investor Portfolio Update + $18,671.83

A successful investor it is essential to develop a system that suits your temperament, and to stick to that system. If you are someone who’s more comfortable if you have to talk to a financial adviser, feel free to do so. Sometimes opportunities come up when you may want to violate your rules somewhat. I made several purchases this year that did not strictly follow my guidelines. However, as I will discuss later, they still met the spirit of my system, so I do not feel I strayed too far, and I am comfortable with what I did.

It was a cool quarter having to see the market yoyoing. Some day it gained triple digits and quickly dissipated. I focus on my dividends going up, not my portfolio value. And my dividends continue to go up. I continue to have excellent dividend growth and I am still on track to meet my income goals. Therefore, I have no problem staying the course, and I continue to sleep well at night. DGI allows me to stay calm and relaxed, even if my portfolio has some rough patches, as long as my dividends keep increasing at a rate I am happy with. And if they do, I know that eventually the capital gains will follow along, and in the end, I still believe that my total return will match, if not beat, the market.

How is my recent quarter look?

• Aug $180.72 + 9.6%
• Sep $618.66 + 7.1%
• Oct $125.23 +45.93%

Quarterly dividend: $924.91. This is $74.09 shy from hitting $1000. It hasn’t reflected all the buys that I’ve made during the down turn and the recent buys. My 12-month forwarding dividend excluding the stocks that will increase dividend more than once a year.

Here are the stocks that increased dividend during this period that I currently own:

KMI (2.08%)*

O (0.26%)*

RY (2.60%)*

WPC (.10%)*

EMR

*asteric means the company increase more than once a year

My last update can be found here.

3M CO	MMM	9/1/2015	5	$139.66	$158.38	$698.30	$791.90	$20.49	$4.10	2.94%	$20.50
ALIBABA GRP HOLDING ADR	BABA	09/22/2014w	100	$90.51	$85.96	$7,179.00	$8,595.50	$33.25	$0.00	N/A	N/A
AT & T INC	T	3/6/2015	30	$33.48	$33.01	$1,004.40	$990.23	$35.88	$1.88	5.62%	$56.40
BANK MONTREAL QUEBEC	BMO	Detail	22	$61.56	$57.92	$1,354.30	$1,274.24	$12.16	$2.49	Detail	$55.73
		1/7/2015	12	$67.40	$57.92	$808.80	$695.04	$12.16	$2.49	3.76%	$30.40
		8/19/2015	10	$54.55	$57.92	$545.50	$579.20	$12.16	$2.49	4.64%	$25.33
BANK OF AMERICA CORP	BAC	Detailw	5,688.00	$16.95	$17.97	$93,108.70	$102,216.77	$13.41	$0.20	Detail	$1,137.60
		09/19/2014w	2,300.00	$17.00	$17.97	$35,788.00	$41,332.38	$13.41	$0.20	1.29%	$460.00
		9/22/2014	1,500.00	$17.08	$17.97	$25,614.30	$26,955.90	$13.41	$0.20	1.17%	$300.00
		11/5/2014	583	$17.33	$17.97	$10,103.39	$10,476.86	$13.41	$0.20	1.15%	$116.60
		12/8/2014	573	$17.61	$17.97	$10,092.99	$10,297.15	$13.41	$0.20	1.14%	$114.60
		1/6/2015	80	$17.12	$17.97	$1,369.59	$1,437.65	$13.41	$0.20	1.17%	$16.00
		1/9/2015	90	$17.08	$17.97	$1,537.19	$1,617.35	$13.41	$0.20	1.17%	$18.00
		1/14/2015	15	$16.11	$17.97	$241.65	$269.56	$13.41	$0.20	1.24%	$3.00
		3/25/2015	86	$15.56	$17.97	$1,338.16	$1,545.47	$13.41	$0.20	1.29%	$17.20
		3/25/2015	50	$15.55	$17.97	$777.50	$898.53	$13.41	$0.20	1.29%	$10.00
		4/15/2015	200	$15.63	$17.97	$3,127.00	$3,594.12	$13.41	$0.20	1.28%	$40.00
		10/2/2015	111	$14.68	$17.97	$1,628.93	$1,994.74	$13.41	$0.20	1.36%	$22.20
		10/2/2015	100	$14.90	$17.97	$1,490.00	$1,797.06	$13.41	$0.20	1.34%	$20.00
BAXALTA INC	BXLT	5/13/2015	10	$30.54	$34.37	$305.35	$343.70	$21.04	$0.28	0.92%	$2.80
BAXTER INTERNATIONAL INC	BAX	5/13/2015	10	$37.63	$37.41	$376.25	$374.10	$11.99	$0.46	1.22%	$4.60
BK NOVA SCOTIA HALIFAX	BNS	8/19/2015	10	$45.60	$46.38	$456.00	$463.80	$11.54	$2.13	4.74%	$21.63
BLACKSTONE MORTGAGE	BXMT	6/24/2015	20	$28.95	$27.83	$579.00	$556.60	$13.58	$2.48	8.57%	$49.60
CAPITAL ONE FINANCIAL	COF	Detail	30	$78.04	$80.99	$2,341.30	$2,429.55	$11.23	$1.60	Detail	$48.00
		4/27/2015	10	$81.05	$80.99	$810.50	$809.85	$11.23	$1.60	1.97%	$16.00
		8/21/2015	10	$78.27	$80.99	$782.70	$809.85	$11.23	$1.60	2.04%	$16.00
		9/4/2015	10	$74.81	$80.99	$748.10	$809.85	$11.23	$1.60	2.14%	$16.00
CATERPILLAR INC	CAT	Detail	35	$74.27	$72.89	$2,599.52	$2,551.15	$15.12	$3.08	Detail	$107.80
		3/6/2015	10	$80.66	$72.89	$806.57	$728.90	$15.12	$3.08	3.82%	$30.80
		9/3/2015	10	$74.13	$72.89	$741.30	$728.90	$15.12	$3.08	4.16%	$30.80
		9/18/2015	10	$72.46	$72.89	$724.60	$728.90	$15.12	$3.08	4.25%	$30.80
		9/24/2015	5	$65.41	$72.89	$327.05	$364.45	$15.12	$3.08	4.71%	$15.40
CHEMOURS CO	CC	6/24/2015	2	$16.86	$7.39	$33.73	$14.77	$6.33	$0.12	0.71%	$0.24
CITIGROUP INC NEW	C	3/4/2015	100	$53.56	$55.94	$5,356.49	$5,594.00	$12.63	$0.20	0.37%	$20.00
CUMMINS INC	CMI	10/30/2015	10	$103.64	$105.71	$1,036.39	$1,057.10	$11.32	$3.90	3.76%	$39.00
DARDEN RESTAURANTS	DRI	6/24/2015	10	$71.10	$61.47	$711.00	$614.70	$26.73	$2.20	3.09%	$22.00
DEERE & CO	DE	3/6/2015	10	$90.02	$76.48	$900.20	$764.80	$11.26	$2.40	2.67%	$24.00
DIAGEO PLC	DEO	2/13/2015	15	$113.72	$113.64	$1,705.80	$1,704.60	$19.13	$3.41	3.00%	$51.21
DOMINION RES INC VA NEW	D	10/29/2015	100	$70.78	$67.93	$7,078.50	$6,793.00	$22.42	$2.59	3.66%	$259.00
DOVER CORP COMMON	DOV	9/1/2015	10	$59.76	$63.89	$597.60	$638.90	$11.49	$1.68	2.81%	$16.80
DU PONT E.I. DE NEMOURS	DD	6/24/2015	10	$62.98	$65.90	$629.76	$659.00	$20.85	$1.52	2.41%	$15.20
EBAY INC	EBAY	7/8/2015	20	$23.96	$29.28	$479.11	$585.60	$16.45	$0.00	N/A	N/A
EMERSON ELECTRIC CO	EMR	8/21/2015	10	$48.53	$48.67	$485.30	$486.70	$12.20	$1.90	3.92%	$19.00
FORD MOTOR COMPANY	F	Detail	73	$14.84	$14.46	$1,083.55	$1,055.21	$12.15	$0.60	Detail	$43.80
		4/30/2015	3	$15.85	$14.46	$47.55	$43.37	$12.15	$0.60	3.79%	$1.80
		6/3/2015	50	$15.20	$14.46	$760.00	$722.75	$12.15	$0.60	3.95%	$30.00
		9/1/2015	20	$13.80	$14.46	$276.00	$289.10	$12.15	$0.60	4.35%	$12.00
GOLDMAN SACHS GROUP INC	GS	Detail	10	$180.88	$198.44	$1,808.80	$1,984.38	$13.05	$2.60	Detail	$26.00
		9/1/2015	5	$182.35	$198.44	$911.75	$992.19	$13.05	$2.60	1.43%	$13.00
		9/4/2015	5	$179.41	$198.44	$897.05	$992.19	$13.05	$2.60	1.45%	$13.00
HCP INC	HCP	11/5/2015	10	$35.28	$34.22	$352.80	$342.20	$65.81	$2.26	6.41%	$22.60
INTERNATIONAL BUSINESS	IBM	9/1/2015	5	$143.00	$138.31	$715.00	$691.55	$9.56	$5.20	3.64%	$26.00
JPMORGAN CHASE & CO	JPM	Detail	20	$62.30	$68.48	$1,246.10	$1,369.50	$11.69	$1.76	Detail	$35.20
		4/27/2015	10	$62.96	$68.48	$629.60	$684.75	$11.69	$1.76	2.80%	$17.60
		9/1/2015	10	$61.65	$68.48	$616.50	$684.75	$11.69	$1.76	2.86%	$17.60
KINDER MORGAN INC DEL	KMI	Detail	50	$31.36	$25.52	$1,568.00	$1,275.75	$48.14	$2.04	Detail	$102.00
		5/29/2015	10	$41.54	$25.52	$415.40	$255.15	$48.14	$2.04	4.91%	$20.40
		8/11/2015	10	$32.33	$25.52	$323.30	$255.15	$48.14	$2.04	6.31%	$20.40
		9/28/2015	10	$28.77	$25.52	$287.70	$255.15	$48.14	$2.04	7.09%	$20.40
		10/27/2015	10	$27.37	$25.52	$273.70	$255.15	$48.14	$2.04	7.45%	$20.40
		10/30/2015	10	$26.79	$25.52	$267.90	$255.15	$48.14	$2.04	7.62%	$20.40
LUMBER LIQUIDATORS HLDGS	LL	4/29/2015	43	$27.03	$16.99	$1,162.29	$730.57	N/A	$0.00	N/A	N/A
NORFOLK SOUTHERN CORP	NSC	Detail	14	$82.43	$79.65	$1,154.08	$1,115.10	$14.38	$2.36	Detail	$33.04
		6/24/2015	4	$90.07	$79.65	$360.28	$318.60	$14.38	$2.36	2.62%	$9.44
		8/21/2015	10	$79.38	$79.65	$793.80	$796.50	$14.38	$2.36	2.97%	$23.60
ONEOK INC NEW	OKE	10/30/2015	10	$33.11	$31.02	$331.10	$310.20	$20.82	$2.46	7.43%	$24.60
PAYPAL HOLDINGS INC	PYPL	7/8/2015	20	$37.05	$36.16	$740.89	$723.20	$38.48	$0.00	N/A	N/A
POTASH CORP OF	POT	10/30/2015	10	$20.05	$20.39	$200.50	$203.90	$11.52	$1.52	7.58%	$15.20
PRINCIPAL FINANCIAL	PFG	4/27/2015	10	$52.01	$51.60	$520.05	$516.00	$12.52	$1.52	2.92%	$15.20
PROCTER & GAMBLE CO	PG	Detail	20	$73.47	$74.90	$1,469.50	$1,497.90	$28.16	$2.65	Detail	$53.04
		5/29/2015	10	$78.35	$74.90	$783.50	$748.95	$28.16	$2.65	3.39%	$26.52
		9/4/2015	10	$68.60	$74.90	$686.00	$748.95	$28.16	$2.65	3.87%	$26.52
REALTY INCOME CORP	O	3/6/2015	50	$48.83	$47.81	$2,441.50	$2,390.50	$43.51	$2.29	4.68%	$114.30
ROYAL BANK CANADA	RY	8/19/2015	10	$57.12	$57.69	$571.20	$576.90	$11.69	$2.40	4.27%	$24.41
STARWOOD PROPERTY TR INC	STWD	6/24/2015	20	$22.64	$20.63	$452.80	$412.60	$9.69	$1.92	8.48%	$38.40
T ROWE PRICE GROUP INC	TROW	9/1/2015	10	$69.55	$76.58	$695.50	$765.80	$16.61	$2.08	2.99%	$20.80
TORONTO DOMINION BK	TD	8/21/2015	10	$38.65	$41.07	$386.50	$410.70	$13.04	$1.55	4.08%	$15.76
TWENTY-FIRST CENTY	FOXA	Detail	20	$32.37	$29.83	$647.30	$596.60	$8.00	$0.30	Detail	$6.00
		4/27/2015	10	$34.81	$29.83	$348.10	$298.30	$8.00	$0.30	0.86%	$3.00
		8/19/2015	10	$29.92	$29.83	$299.20	$298.30	$8.00	$0.30	1.00%	$3.00
UNION PACIFIC CORP	UNP	Detail	20	$93.35	$86.25	$1,867.00	$1,725.00	$14.90	$2.20	Detail	$44.00
		6/24/2015	10	$98.26	$86.25	$982.60	$862.50	$14.90	$2.20	2.24%	$22.00
		8/21/2015	10	$88.44	$86.25	$884.40	$862.50	$14.90	$2.20	2.49%	$22.00
VERIZON COMMUNICATIONS	VZ	9/29/2014	200	$49.50	$45.53	$9,899.22	$9,105.00	$18.14	$2.26	4.57%	$452.00
W P CAREY INC	WPC	6/24/2015	10	$61.34	$63.14	$613.40	$631.40	$44.15	$3.82	6.23%	$38.20
WAL-MART STORES INC	WMT	Detail	150	$69.91	$58.54	$10,487.00	$8,780.25	$12.22	$1.96	Detail	$294.00
		3/6/2015	20	$82.63	$58.54	$1,652.60	$1,170.70	$12.22	$1.96	2.37%	$39.20
		5/20/2015	20	$76.42	$58.54	$1,528.40	$1,170.70	$12.22	$1.96	2.57%	$39.20
		6/4/2015	20	$74.15	$58.54	$1,483.00	$1,170.70	$12.22	$1.96	2.64%	$39.20
		8/18/2015	40	$69.55	$58.54	$2,782.00	$2,341.40	$12.22	$1.96	2.82%	$78.40
		9/1/2015	10	$64.08	$58.54	$640.80	$585.35	$12.22	$1.96	3.06%	$19.60
		10/14/2015	20	$61.24	$58.54	$1,224.80	$1,170.70	$12.22	$1.96	3.20%	$39.20
		10/15/2015	20	$58.77	$58.54	$1,175.40	$1,170.70	$12.22	$1.96	3.34%	$39.20
WELLS FARGO COMPANY	WFC	Detail	530	$51.22	$55.78	$27,148.20	$29,562.02	$13.47	$1.50	Detail	$795.00
		7/11/2014	500	$51.12	$55.78	$25,560.00	$27,888.70	$13.47	$1.50	2.93%	$750.00
		1/9/2015	30	$52.94	$55.78	$1,588.20	$1,673.32	$13.47	$1.50	2.83%	$45.00
Total Stocks						$196,578.28	$206,272.94				$4,210.65

Results and Portfolio Review

My portfolio’s value has increased  from $192621.80 to $211,292.3 ($206,272.94 in stock + $5019.36 cash)

The total gain with cash is $18671.30

when you consider that during this time an additional $15593.59 of new cash was added to the account. +$3077.71 was the gain from the investment during this period.

Total account $211,292.3

Total cash investment: $196578.28

total account gain: $14714.02

total ytd dividend gain: $2525.94

total return: $17239.96, in percentage gain +8.16%

As compared to the + return of my portfolio, the return of each of my benchmarks for this quarter is as follows:

S&P 500: +3.76% (I used fidelity S&P 500, which is similar to the real S&P 500)

My portfolio: +8.16% 

It’s been a tough quarter, for the whole market, and for my portfolio as well. However it continues to perform well on a dividends produced basis, and on a dividend growth basis. I set my goal this year to achieve $3000 in dividend. But going forward my portfolio is now expected to produce $4,210.65 in dividends over the next 12 months, an increase of 27%.  And for the first time, I will be collecting over $1,000 in dividends in quarter by year end. It should be mentioned that this is due to a combination of both organic dividend growth of my individual holdings, and the dividends produced from new money added to the portfolio over the past year and quarter. My present dividend yield is 2.041%. This is higher than it has ever been, but not by any kind of conscious effort on my part. I have not purposefully tried to buy higher yielding stocks during the first half of the year, as I was focusing on buying financial sector. It is the drop in price of many of my stocks, and of my portfolio as a whole, combined with the continuing dividend growth, that has brought my yield up so high.

So my plan going forward is to continue to focus on the dividends and to follow several safe rules. They have been working very well so far. I believe my results continue to support my hypothesis: that by using simple, straightforward, easy-to-understand criteria for buying and selling, and by using the hard work of other people