Friday, December 19, 2014

2015 Investing Goals

My goals were originally defined in this December 1, 2007 Investing Goals post and last updated in my 2014 Investing Goals. Like last year, I will exceed my 2014 goal of $30,000 in annualized dividend income. Looking at my long-rang goals, I am on track to reach my 2017 goal of $42,000. The 2027 goal of $110,000 is not as clear. My model now indicates I could surpass it in 2025.

2014 was a relatively smooth year. During the year, share prices continued upward, which is not good if you are an income investor still in the accumulation mode. My Dividend Growth Portfolio's 2014 risk rating will end the year lower than 2013's 1.72 rating as a result of buying more conservative stocks in 2014.

From an investing standpoint, 2015 will face more funding challenges than 2014. With my son joining my daughter in college, I will have less discretionary money to invest. In 2012, I completed my investment transition to Dividend Growth Stocks. Much of my historical investments were reallocation of existing funds. Given these facts, the 2015 dollar amount of new investments in my Dividend Growth Portfolio will be smaller.

Hopefully, we will have a few deep corrections in 2015. I always welcome a correction as a buying opportunity. 2014 saw no dividend cuts in my Dividend Growth Portfolio. I anticipate a similar trend in 2015. I also suspect 2015 will see fewer companies failing to raise their dividends (dividend freezes). The trend in 2014 continued where my dividend increases exceed dividend cuts.

Below are my updated goals:

Description Dividend
on Cost
2027 Goal 110,000 n/a
2017 Goal 42,000 n/a
2015 Goal 35,000 n/a

I left the income goal for 2017 and 2027 unchanged. Reflecting lower contributions next year, I am setting my 2015 annualized dividend income goal at $35,000. To achieve this goal, I anticipate good dividend growth in 2015 around the 6% I experienced in 2014.

I am confident that I will finish 2015 with higher annualized dividend income than where 2014 will end. In addition, I feel good that my string of sequential months of higher annualized dividend income will continue through 2015.

If it were easy, everyone would do it and success wouldn't be nearly as satisfying. Here's to a prosperous 2015!

(Photo: sanja gjenero)

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  1. Nice goals! $110,000 in yearly dividend income would be insane. Good luck!

  2. I like your numbers and projections. Kind of in line with my dreams(goals). However, I think I will possibly reach my ultimate goal in about 2030-32.Good job.

    Keep cranking,

    Robert the DividendDreamer

  3. Hey D4L,

    Very nice goals! Your goal for 2015 is a very good value, it is already equivalent to some full-times salaries. Good luck with it!

    Best Wishes,

  4. All: Thanks for the kind words. My only regret with dividends is that I didn't discover them sooner!

    Best Wishes,

  5. Hi D4L,

    What year did you discover dividend investing?

    Thank you

    1. Sarina: It was 2003 when I first started dabbling in dividend stocks. Here is a link to a recent article with some of my investing history.

      Best Wishes,

  6. $35,000 in dividends this year is fantastic....You are cruising closer and closer to the US Median Income. Best of luck for the next 35K.

  7. Sick job, brother. Keep up the awesome work.

    I've yet to be able to fully commit myself to DGI as I keep over 50% of my portfolio in growth stocks; mostly picks derived from a couple of Motley Fool newsletters I subscribe to.

    Still though, I discover incredible amounts of useful information and analysis from your posts as well as posts from others in the DGI community.