Quarterly Update – Q2 2015

Welcome to my quarterly update for Q2 2015. This is part of  a series where I track my progress on a quarterly basis. I present four parts in this series: (i) Investment & Portfolio Update, (ii) Passive Income Update, (iii) Blog Update, and (iv) Goals Update.

1. Investment & Portfolio Update

Q2 2015 saw a small amount of activity in the quarter. Due to the pro-rated dividends from Omega Healthcare (OHI), I missed out on the DRIP this quarter, but nevertheless, I am happy to collect the dividends in cash. I initiated/added to the following positions during the quarter.

During the quarter, I closed my position in:

In my wife’s portfolio, we continued adding to the positions in the following ETFs. Click here to read details about my wife’s portfolio and why we chose the route of index ETFs.

  • BMO S&P/TSX Capped Composite Index ETF (ZCN.TO)
  • Vanguard FTSE All World Ex-Canada Index ETF (VXC.TO)
  • BMO Aggregate Bond Index ETF (ZAG.TO)

Dividend Increases

Q2 saw 9 dividend increase announcements in my portfolio. The companies from my portfolio increasing their dividends and details of my portfolio changes are summarized below.

Q2 - DG

 

2. Passive Income Update

Another quarter passed and another great quarter for passive income. I am ecstatic to have crossed the $2000 mark in passive income for the quarter.

Year

Q1 Q2 Q3 Q4

2013

$383.65 $516.32 $718.33 $1,063.97

2014

$1,322.47 $951.18 $1,055.79 $1,803.90

2015

$1,546.87 $1,960.10  

Suffice it to say, I am very happy with the progress so far in getting so close to $2K per quarter. I am hoping to cross that mark next quarter.

image (5)

 

“Other” Passive Income

Passive income that we achieve seems to be evenly split between investments from  dividend paying companies and what I call other sources of passive income, which includes cash back rewards credit card, advertising revenue from this blog, interest on cash and writing premium articles for Seeking Alpha. As you can see from the chart below, my other category has performed well. For Q2 2015, my other passive income totaled $1,176.51 (a first, having crossed $1K per quarter!). I look forward to investing proceeds of these sources into stocks and funds to compound my growth.

 image (6)
I realize that some of my sources of passive income are not completely passive, as it requires me to put some time and effort into it. However, I consider these sources to be semi-passive and I wrote an article to capture my thoughts on the scale of passivity of each income type. Be sure to check out Passivity of Income.

3. Blog Update

Pageviews
The three months in the quarter saw the following figures:

  1. Apr 2015: Total pageviews = 13,261. Unique visitors = 4,310
  2. May 2015: Total pageviews = 14,079. Unique visitors = 5,254
  3. Jun 2015: Total pageviews = 15,726. Unique visitors = 6,293

The 20,000 pageviews per month remains elusive, a target that Ive been chasing for months now. The good news is that the traffic is steadily rising and heading in the right direction, having now crossed the 15K pageviews per month in blog traffic. I will keep working away and hope to increase my pageviews.

4. Goals Update

Right. Onto the goals that I set and see how I am progressing on that front. I set the following goals for 2015.

  • Earn $5,500 in annual passive income
    • My passive income YTD is $3,506.96, which achieves 63.74% of the annual goal. Couldn’t be happier with this progress. I hope to keep that passive income growing, and am on track to meet and exceed my goal this year.
  • Focus on reducing debt (mortgage) – Pay down more than the minimum mortgage amount. .
    • In Q1, we paid an extra 52%. In Q2, we managed to pay an extra 33%. So far in 2015, we have put 42.5% extra towards our mortgage dues.
  • Maintain a 3-5% cash position in portfolio
    • This goal was motivated by the fact that last year I had to pass up on some good investing opportunities due to lack of liquidity in my portfolio. We now maintain well above the target 3-5% cash in our portfolios and will be able to move and take advantage of investing opportunities when they present themselves.
  • Re-balance portfolio with my wife’s portfolio integrated (completed in Q1 2015)
    • We sold the expensive mutual funds in my wife’s portfolio in January and have started building an ETF portfolio starting February. I am happy to say that we have now completed one of our goals for the year 🙂
  • Take atleast one finance related e-course
    • I am taking this online course from Coursera – The Power of Macroeconomics: Economic Principles in the Real World by Dr. Peter Navarro from University of California, Irvine. I just started this course a couple of weeks ago, so I don’t have a comment yet. I will be sure to include a review/comment once I complete it.
  • Write an e-book – No progress here yet. Needs attention.
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That’s all folks! Thanks for reading. Be sure to leave a comment at the bottom – I love to hear from the readers on your thoughts and opinions.

29 thoughts on “Quarterly Update – Q2 2015

  1. Awesome progress R2R. Everything is trending upwards for you which is sweet! Thank you for sharing this journey with us and keep hustling it up. No doubt you’ll crush all your goals bud. E Z P Z. Take care.

  2. That’s great progress, R2R! I’m impressed by your passive income — keep that growth up for a few months and it’ll start to make a big difference! Also, don’t despair about the page views — it is steadily growing and you’ll cross the 20k/month target very soon!

    Take care!
    FerdiS

    • Thanks for the wishes, FerdiS. I just hope to keep writing away and hope to increase my pageviews – I have hope that I will be able to reach and cross 20K 🙂

      cheers
      R2R

  3. R2R,

    Another really solid quarter. Everything is up, up, up. Looks like you’re setting yourself up for a really solid finish to the year. Keep the pedal to the metal! 🙂

    Best regards.

    • ‘Up’ is where I have my eyes set 🙂
      Things are looking great…I am happy with the progress and looking forward to a strong finish for the year. Thanks for your continued support.

      R2R

  4. Nice job R2R!

    Really cool to see your page views steadily increase like they are. With over 1k Twitter followers, I bet you get a lot of traffic through Twitter? I always appreciate how active you are on Twitter. Nice quarter! Keep up the good work!

    -Adam

    • Hi Adam,
      Yes, Twitter generates a lot of traffic. Twitter is by the far the most important social media platform for me. Glad you like the stream and find it resourceful.

      cheers
      R2R

  5. Awesome to see things continuing to trend up R2R. Also like the quarterly portfolio updates – I’ve just moved from monthly to quarterly updates myself, it removes some of the ‘noise’.

    Are your pageview increases the result of some proactive promoting, or is it starting to just grow ‘naturally’ with the level you’re at?

    • Jason,
      Quarterly updates provide a good overview and averages things out instead of the gyrations each month – good way to look at things.

      There has been some organic growth, but a lot of the growth is coming from promotions via different methods. Hoping to crack 20K in the coming months.

      cheers
      R2R

  6. With dividends pop up like mushrooms – wild and crazy 🙂 And looks like most of the 1/2 year goal are either meet or exceed, you are well on your way to FI. Congrats!

    • I sure am well on my way to crack those goals for the year, Vivianne. Thanks for the continued support and wishes. Hope you had just as good a Q2 and 2015 so far.

      Best wishes
      R2R

  7. Great job. Everything is up-trending and you are on the the track to achieve your goals. I have been thinking the same of keeping some cash but it is so hard 🙂 Due to volatility, it is hard to pass up. Whenever I accumulate 2-3K, I just buy whatever is cheap at the time and just forget about it.

    • Well, it just means that your cash is working hard for you instead of sitting idle. I decided to keep some cash on the sidelines after I missed some opportunities last year because I didnt have any cash on hand when the market went down a bit. So far, its served me well….hoping to put more of my cash to work in case of a downturn and available opportunities.

      Thanks for stopping by and the wishes
      R2R

  8. Roadmap,

    Congratulations on a record quarter, almost $2K is incredible. Also – your page views are increasing at a tremendous rate, would love that growth rate on our website. Strong dividend increases you had, and I am feeling confident you’ll kill $2k this quarter. Keep at it!

    -Lanny

    • Thanks to support from sites and folks like you, the website has continued to perform better over the month…still aiming my eyes high though. I am hoping to cleat the $2K per quarter this time around. Some of my passive income is variable..so, heres to hoping I can make it.

      cheers
      R2R

  9. Almost to the $2000/quarter mark! I think you got it for next quarter. Remember, good things come to those who wait.

    Question: How do you track your unique page views? Google Analytics, Google Adsense, or the Site Stats option that comes with the Jetpack plugin (I’m assuming you use WordPress for the moment). I’m trying to track my own page views, but I’m worried about mistaking Google crawl bots for actual people reading my blog. I use the Site Stats feature primarily, delving towards Analytics when I want to try (and fail) to delve deeper and really analyze things.

    Hope you meet all your goals this year, R2R!

    Sincerely,
    ARB–Angry Retail Banker

    • Thanks for the wishes, ARB. I am hoping to cross teh $2K mark this quarter…hopefully I can make it.

      The numbers are from Google Analytics, since it gives me a detailed breakdown of the traffic…really a great tool for site managers.

      Best wishes
      R2R

  10. R2R,

    Very impressive progress. Sounds like you are managing to keep yourself busy, and it seems to be paying off. It would appear that you are going to be quite satisfied when retirement arrives.

    I didn’t start looking seriously at DGI until I was just a few years from retirement. Take it from me… you are wise to be so focused while in your thirties. Keep up the good work.

    Steve

    • Thanks for stopping by and the wishes, DG. I hope starting early will make all the difference over the years…the numbers suggest that having the advantage of time will benefit me. Hopefully I can build a nice nest egg by the time I retire.

      Best wishes
      R2R

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