One Piece At A Time | Week Ended 1/10/2020

Zero | Commission | Purchase | Investing | Dividends | Financial Independence

My investment strategy has changed a bit now my that my brokerage firm, as well as most others out there, have moved to ZERO commissions.  I had typically tried to purchase in dollar amounts that put commissions at 1.0% or less.  I've always wanted to implement, at least partially, the dollar cost average method but commissions prohibited me from pursing that.  However, now it's very feasible and reasonable to do so. 

My focus has always been on quality businesses, but the problem was typically buying shares at good valuations, often I had to settle for good enough.  The longer that I've been investing, the more that I've come to realize just how powerful hitching your investment wagon to great companies can be.  That's why I've shifted my focus to dollar cost averaging to build up my positions; because the larger your purchases the more attention that needs to be paid to valuation and vise versa.

I'd still prefer to do larger scale purchases, but the problem is that quality businesses don't often trade at good valuations.  In general valuations aren't exactly cheap; so I'll just keep building up my stakes in great businesses.

$0 Commission | Recent Buy | Dividend | Investing

In total I invested $778.58 and boosted my forward dividends by $9.38.  That's an average yield of 1.20% across all of the purchases.  

For my FI Portfolio I made 3 purchases at an average yield of 1.43%.  The two purchases in my Rollover IRA were made at an average yield of 0.99%.
Stocks | Investing | Valuation | Dividend Growth Investing

All of the purchases last week, except for Cisco, fall into the low yield/high growth camp.  I'd love to add more that are in the "sweet spot" which is somewhere around 2.5-4% current yield with 4-9% annual growth, but I'm seeing better options in higher growth segments.  

I fully expect Ross Stores, Stryker, Ecolab and L3Harris to all provide 10%+ annual dividend growth over the longer term.  All 4 of them have solid growth prospects for the underlying businesses and low payout ratios.  


My FI Portfolio's forward 12-month dividends increased to $7,846.77 with my FolioFirst dividends at $101.17  My Roth IRA's forward dividends remain at $650.65 while my Rollover IRA's dividends are $2,367.93.  My taxable accounts can expect to produce $7,947.94 over the next year with all accounts providing $10,966.52.

Are you doing more dollar cost averaging now that most every brokerage firm is at $0 commissions?  What do you think of my purchases from last week?


  1. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life has changed. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into, because it has been programmed with various tools and software before it will be send to you. i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD you can contact these Hackers at
    email: whatsapp: +1(213)785-1553 or website:


Post a Comment