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!

3/11/2018
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.
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2 thoughts on “Financial Independence Progress Report for February 2018

  1. I see that you adding Municiple bond to your portfolio, this is a very good defensive move. The Gocurrycrackers are doing the samething. the Market has a long bull run in the past 13 years, so being defensive is great!!
    Cheers to all the number keep increasing!

    Like

    • Hey Vivianne, thanks for stopping by! Hope things are going great on your side…I have been remiss in not visiting…will catch up soon.

      Yes. Coming from HCOL area, MUNI bonds and me have been best friends for a few years….one of the last bastions of relatively safe tax free income.

      I looked at GoCurryCrackers and yes they seem to have added a bond mix. They are using VTEB (long duration bonds) and MUB (intermediate duration). All my invesments (VCADX and VWIUX) are intermediate duration funds….with rising interest rates, I do not want to lose capital by holding long duration bonds. So, the VTEB holding surprised me…but I will go read up their website to see why they do that.

      Liked by 1 person

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