Quarterly Update – Q3 2016

Welcome to the quarterly update for Q3 2016. This is part of  a series where I track our financial 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

Q3 2016 saw a lot of activity in our portfolio.
We initiated/added to the following positions.
We closed the following positions.

Q3 saw 4 dividend increase announcements in our portfolios. The companies from our portfolios increasing their dividends and details of portfolio changes are summarized below.


2. Passive Income Update

A great quarter on the passive income front. During the quarter, we managed to earn a passive income of $1,965.95.


Q1 Q2 Q3 Q4


$383.65 $516.32 $718.33 $1,063.97


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


$1,546.87 $1,960.10 $2,076.81 2,256.01


2,167.95 2,404.43 1,965.95


You can read our previous quarterly updates here.

“Other” Passive Income

Passive income that we achieve is 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, our other category has performed well. Our passive income from the ‘other’ sources saw continued traction in Q3 2016, providing us with some great overall passive income – which we proceed to invest into stocks and funds to compound our growth.

I realize that some of our sources of passive income are not completely passive, as it requires us 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

Based on the pageviews, the following were the most popular posts on Roadmap2Retire.

I am still lagging in meeting my goal of reaching 15K pageviews consistently 🙁 I am currently averaging 12-13K pageviews per month and hope to bring that number up in the coming quarters.

4. Goals Update

Right. Onto the goals that I set and see how we did overall on that front.

  • Earn $9,000 in annual passive income On target, but will probably miss goal
    • As of Q3, we have achieved $6,538, which achieves 72.64% of the goal. We are still tracking close to the target, but after selling a big portion of our portfolio, I am almost certain that we will fail to achieve this goal for the year.
  • Achieve better balance across asset classes and sectors Completed!
    • For the time being, I am happy with our asset allocation…we are close to 1/3 cash, 1/3 real assets (gold/silver and real estate) and 1/3 in other DGI stocks. I have detailed the reasons for picking this in this post. This is a short term allocation, and I will be slowly adjusting our portfolio going forward to align with our long term goals.
  • Take atleast two finance related courses On Target
    • I took one course so far. The course is Financial Markets taught by none other than Robert Shiller, Sterling Professor of Economics at Yale University. Prof Shiller is a Nobel Prize winner in Economics (won the prize in 2013). I am learnt a lot about diversification and other theoretical aspects. In addition, Prof Shiller discussed some very interesting aspects of behavioral (psychological and sociological) aspects in human beings which affect investing – something I wasn’t expecting from the course. It’s a fantastic course and I highly recommend it.
    • I am still undecided on the second course…something that I will need to look into during the second half of the year.
  • Blog Growth: Achieve 15K pageviews consistently through 2015 Needs Improvement
    • Blog traffic continues to lag and the consistent 15K pageviews remain elusive. Needs further improvement.
  • Write an e-book On Target
    • I have started putting some of my thoughts down on certain ideas. I still don’t have a firm idea on when I will finish, but thinking back to last year where I failed on this goal – the hardest part has been just getting started. I have overcome that hurdle and once I got started, some ideas have started flowing. Stay tuned for updates on this front in the coming quarters.
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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.

16 thoughts on “Quarterly Update – Q3 2016

  1. JC says:

    Looks like a solid quarter with nearly $2k in passive income. And even better is that you rest your portfolio to what makes you comfortable. I’m still looking through my portfolio for opportunities to book some profits by trimming or closing positions. I’m also considering closing some positions mainly due to the fact that I have a lot more than I’d like and being a bit more concentrated seems like a good route. Especially since I can then be more active in the options market too with more cash or 100+ share positions.

    All the best in Q4!

    • Thanks JC. It was a pretty good quarter considering that Ive been selling so much lately. My slack in dividends is getting picked up by options or other income sources…so its not too bad overall. You are prudent to sell some of the weaker names and load up on cash this late in the cycle. Cash gives you so much comfort when the markets tank and you are all ready to move.

      Best wishes

  2. Nice update R2R, I see solid progress in all areas 🙂 It’s really interesting that you took the course with Robert Shiller, I hope that contributes a lot to your knowledge and future investing 🙂

    Congrats on achieving you goal of better asset balance and good luck with your page views.


  3. Roadmap –

    Cool goals and update, interesting with Mr. shiller’s course, I like it. It looks like you had quite the investment activity, that’s for damn sure. I hope that your goals, strategy pays ten fold for you!


    • Thanks Lanny. There was a lot of activity for sure 🙂 Keeping a lot of dry powder on the side — ready to move when I can.

      Hope you had a great quarter too. Thanks for stopping by

  4. Overall, nice quarter R2R! Although your passive income for Q3 was less than it was in 2015, almost $2K in passive income for one quarter is still awesome! Plus, Q2 will help your overall annual gains. By the way, the other passive income seems to be doing very well this year.

    Thanks for sharing…wish you nothing but success my friend. Looking forward to seeing the year end results! AFFJ

    • Hi AFFJ,
      Its a small term pain for long term gain. I dont mind sacrificing some of my passive income now and saving my capital from the headwinds that are brewing. Still, making close to $2K in a quarter isnt so bad at all. Hope you had a great quarter too.

      Thanks for stopping by and commenting.

    • Thanks MSM. Im pretty pleased with the overall progress even though I have been cutting down on my forward dividend income over the past few months. Thanks for stopping by and the words of encouragement.


  5. Looks like nice steady growth! Why is your Q3 2016 income less than 2015? Did you sell off some positions or take a hit with cuts? I’d love to see a more detailed breakdown of your “other” income too, how much does the seekingalpha/blog/creditcard income contribute?

  6. GREAT update! I cannot wait to have been blogging for 4 years and have that much data to analyze like you do, year over year. I actually just published my first ever ‘quarter update’, and our passive income numbers are very similar. I’m excited to see where we end up at the end of the year. Thanks for sharing!

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