Financial Independence Progress Report for February 2018

February 2018 is done and gone and I am late by 11 days in publishing this….bad bad bad. Was a bit lazy at the end of last month and life caught up to me. Better late than never!

That said, lets look at the numbers for February, 2018. Nothing big to report…

  • The dividend stream is settling down to an even pace since I have no extra money to add to the dividend funds.
  • The stock market swoon in February 2018 had its effect on my portfolio also…look at the nos in red below.

Looking forward to March’s quarterly dividends!

Emergency Fund 83.33% 83.33%
College Fund ($80K) 64.47% 63.66%
Passive Income (2017 vs 2018) $408.50(2/2017) $657.17 (2/2018)
Retirement Fund 82.17% 81.63%
Roof for our Family($750K) 00.00%
Medical Fund (via HSA) 6.17% 6.17% ….lost login again 😦
Life Insurance Done (term life insurance policy)

Main Takeaways this month

  • Passive Income Stream
    • My passive Income for February 2018 is a couple hundred dollars higher than February 2017. This is mostly the result of a push towards adding to my MUNI funds through 2017.
  • Additional Investments
    • Investments in taxable accounts
      • Nothing to report
      • Got really attracted to the idea of selling my investments in VHDYX (up 10-12%) and moving them to MUNIs…divided yields are about the same and the MUNIs are federal tax free….had to pull myself back.
      • Holding off until I capture the quarterly dividends in March, 2018.
    • Investments in tax-deferred account (IRA)
      • In Dec 2018, I took some profits and set up a a cash fund set up to take advantage of the next investing opportunity.
      • This month, I moved some of the cash fund into a REIT fund….REITs have dropped almost 10% this year….added to my investment in VGSLX to dollar cost average down some of my investments.