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FIRE Fund Update For May 2019

May 2, 2019 by Jason Fieber 21 Comments

The FIRE Fund is my real-life and real-money dividend growth stock portfolio.

I call it that because the portfolio allowed me to reach financial independence and retire early (FIRE).

This six-figure collection of some of the best businesses in the world is generating the five-figure and growing passive dividend income I need to sustain myself in life and cover my personal basic expenses.

The Fund provides me an opportunity to live a blissful job-free existence that promotes time over money, passions over paychecks, and value over prices.

I’ll below go over any and all transactions from the preceding month, covering any buys and/or sells that occurred since the last update.

You’ll see exact transactions (including dates and prices).

And I’ll quickly discuss some of the rationale behind each respective transaction.

Keep in mind, however, that these monthly updates are just snapshots in time. These updates are furthermore simply a peek at what the maintaining of a dividend growth stock portfolio post-FIRE looks like, as I’m no longer aggressively buying stocks so that I can achieve FIRE.

Stock purchasing is now more or less a function of the pure enjoyment of investing as a hobby and passion (rather than a function of becoming financially independent as fast as possible), but the ongoing casual investing of fresh capital does add to my passive income, options, and philanthropic firepower.

Moreover, the actual market value of the FIRE Fund (which is constantly oscillating) means very little in the grand scheme of things; it’s the dividend income the Fund generates that actually unlocks financial freedom for me.

To that point, I’ll also go over any dividend increases that were announced since the last update, as well as how that affects the Fund’s expected annual dividend income over the next 12 months.

Purchases

I purchased 3 shares of CVS Health Corp. (CVS) on 4/2/19 for $52.46 per share. I purchased another 2 shares on 4/10/19 for $53.60 per share.

CVS Health Corp. is a pharmacy healthcare provider that operates one of the largest pharmacy retail chains in the US, with more than 9,800 locations across the US and the District of Columbia, Puerto Rico, and Brazil. It’s also one of the largest pharmacy benefit managers in the US, with more than 93 million PBM plan members. With the recent acquisition of Aetna Inc. now completed, they’re also one of the largest managed healthcare companies in the United States.

I discussed this particular holding, as well as the rationale behind adding to my stake, quite a bit last month. So I won’t bother repeating myself.

I’ll only quickly note that I don’t have any plans to add to this position in the future. It’s full now.

These purchases added $10.00 in annual dividend income.

I purchased 5 shares of WestRock Company (WRK) on 4/2/19 for $39.31 per share. I purchased another 5 shares on 4/15/19 for $39.09 per share. Then I purchased 3 shares on 4/16/19 for $35.91 per share and 2 shares on 4/16/19 for $35.36 per share. Finally, I purchased 5 shares on 5/1/19 for $38.71 per share.

WestRock Company is a leading integrated manufacturer of various corrugated and consumer packaging materials.

This is a new position for the Fund.

I highlighted this stock as a compelling long-term idea just a few weeks ago. There’s not much to add.

It’s a boring business, which is my favorite kind of business. And the valuation here is unbelievably cheap, even taking into account the cyclical nature of the business model.

But I’m not extremely enamored with some of the numbers. The balance sheet is particularly problematic for me.

Overall, I see the risk here as slightly elevated relative to my bread and butter. As such, I plan on keeping this a rather small position in the Fund. I see it as an ancillary position in the same vein as an Iron Mountain Inc. (IRM) or The GEO Group, Inc. (GEO).

It’s a strategic holding that offers a lot to like in terms of value and income. After all, a little bit of yield goes a long way.

I have no plans to add to this position in the future.

These purchases added $36.40 in annual dividend income.

I purchased 1 share of JPMorgan Chase & Co. (JPM) on 4/12/19 for $110.57 per share.

JPMorgan Chase & Co. is an American multinational investment bank and financial services company with assets over $2.5 trillion.

This is a new position for the Fund.

I’ve been looking at this bank for a while now. Admittedly, I should have bought this stock a long time ago. Fortunately, I don’t need to bat .1000 in order to become fairly wealthy, achieve FIRE, and otherwise do really well in life.

But I decided to finally right my wrong and initiate a position after the bank reported an incredible Q1 2019 quarter that saw just about every worthwhile metric up big. Investment assets, credit card sales volume, deposits, loans, revenue, profit, etc. Take your pick. It’s a beautiful sight.

Jamie Dimon is arguably the best bank manager around, and he continues to steer things in the right direction. Other than the sheer size of the bank (which is massive), there’s not much to dislike about this business.

I think banks continue to get a bad rap. Some of that is deserved. Much is not. Regardless, recency bias continues to make people believe that another recession on par with the Great Recession is right around the corner. And this keeps the banks cheaper than they probably ought to be.

Now, I don’t think this stock is cheap. I wouldn’t say it’s undervalued. But I’m never against paying a fair price for a wonderful business, especially when this transaction comes in conjunction with the hardcore value plays discussed above. I like value. But I love quality.

With eight consecutive years of dividend raises, a low payout ratio, and monstrous quarters like Q1, it stands to reason that this bank will continue handing out generous dividend increases for the foreseeable future. And that’s coming on top of the near-3% yield the stock offers right now.

I see this as eventually being a good-sized position in the Fund, so I’m looking forward to opportunistically accumulating shares over time.

This purchase added $3.20 in annual dividend income.

Sales

There were no sales since the last update.

Dividend Increases

Procter & Gamble Co. (PG) announced a 4.0% increase in its dividend, upping the quarterly dividend from $0.7172 to $0.7459. This added $5.85 in annual dividend income.

Southern Co. (SO) announced a 3.3% increase in its dividend, upping the quarterly dividend from $0.60 to $0.62. This added $6.80 in annual dividend income.

Kinder Morgan Inc. (KMI) announced a 25.0% increase in its dividend, upping the quarterly dividend from $0.20 to $0.25. This added $15.00 in annual dividend income.

Unilever PLC (UL) announced a 6.0% increase in its dividend, upping the quarterly dividend from €0.3872 to €0.4104. This added $8.76 in annual dividend income.

Travelers Companies Inc. (TRV) announced a 6.5% increase in its dividend, upping the quarterly dividend from $0.77 to $0.82. This added $2.00 in annual dividend income.

ONEOK, Inc. (OKE) announced a 0.6% increase in its dividend, upping the quarterly dividend from $0.86 to $0.865. This added $2.00 in annual dividend income.

Exxon Mobil Corporation (XOM) announced a 6.1% increase in its dividend, upping the quarterly dividend from $0.82 to $0.87. This added $4.00 in annual dividend income.

Cullen/Frost Bankers, Inc. (CFR) announced a 6.0% increase in its dividend, upping the quarterly dividend from $0.67 to $0.71. This added $3.20 in annual dividend income.

Johnson & Johnson (JNJ) announced a 5.6% increase in its dividend, upping the quarterly dividend from $0.90 to $0.95. This added $20.00 in annual dividend income.

International Business Machines Corp. (IBM) announced a 3.2% increase in its dividend, upping the quarterly dividend from $1.57 to $1.62. This added $4.00 in annual dividend income.

Apple Inc. (AAPL) announced a 5.5% increase in its dividend, upping the quarterly dividend from $0.73 to $0.77. This added $3.20 in annual dividend income.

FIRE Fund

The FIRE Fund is now valued at $403,980.07. That’s a 1.3% increase from the last reported market value of $398,730.25.

There are 119 companies in the Fund. That’s an increase since last month due to the initiation of positions in WestRock Company and JPMorgan Chase & Co.

The Fund is now expected to generate a total of $13,887.86 in annual dividend income over the next 12 months. That’s an increase of 1.0%, or $134.61, over the prior update’s annual expectation of $13,753.25.

A fantastic tool for tracking your portfolio, progress, and performance is Personal Capital.

Conclusion

Well, there’s just not much to say here. I can only express an immense and overwhelming sense of gratitude for the position I’m in.

Almost 120 companies are out there working hard for me. This allows me the latitude I need in order to go about life as I please – including living at the latitude I prefer.

The Fund is simply the culmination of a lot of hard work and taking advantage of opportunities. I could have easily just shown up to my job, spent all my money, wasted my time, and continued to feel helplessly thrust into the future.

But I didn’t do that. I took control of my life. I took ownership of both my past losses and future wins. And now I feel like I’m winning every day. This is the power of capitalism, which is available to everyone.

It comes down to choices and consequences. Make good choices, face good consequences.

Speaking of consequences, one of the consequences of being a dividend growth investor is receiving pay raises for doing nothing other than being a shareholder. If that’s not easy work, I don’t know what is.

The compounding snowball that I started rolling nine years ago continues to accelerate and grow bigger, even without any pushing from me. That’s great, because I’m getting older!

Let’s put that dividend growth in perspective.

The $74.81 increase in my annual dividend income that came about by way of the organic dividend increases announced by my holdings this past month is analogous to investing $2,140 in fresh capital at a 3.5% yield (the average portfolio yield) – except I invested exactly $0 to achieve that increase in passive dividend income.

Incredible. Really incredible.

Now, I almost never make a big deal about the value of the Fund, because it truly doesn’t matter to me or have any impact on my life.

However, this month is notable because the Fund crossed over $400,000. This is the first monthly portfolio update in which there’s a 4 handle there.

Now, that in and of itself isn’t particularly noteworthy.

What’s noteworthy is the time frame in which the Fund hit this number.

I observed back in my 2013 interview with the Today Show that I might be able to hit $400k by the time I was 35 years old. I actually didn’t want to commit to a number like this because what matters is passive income, but mainstream media likes a big number to throw out there.

Anyway, this was a very aggressive number that I was putting out almost just to see how it would shake out. It wasn’t something I was all that serious about. I figured I’d just go crazy with that a little bit.

But the real crazy thing is, I hit this number at 36 years old. That’s only a year after I said I might hit it – and that’s even after quitting my job at 32 (eight years ahead of schedule) and ending the aggressive accumulation of stocks more than three years ago!

Pretty neat.

In other news, another divergence from the norm.

I usually don’t examine reports regarding individual holdings in these updates. That’s because the vast majority of the companies I invest in run very boring business models. There’s just not much to talk about on a recurring basis.

Furthermore, I don’t micromanage or make much out of anything that happens on a month-to-month basis.

However, there were two major events during the last month that impacted three holdings in the Fund. These events will likely have an immense impact on the below companies, so I’m going to deviate a bit with this update and quickly discuss what happened.

First, there was the agreement between Qualcomm, Inc. (QCOM) and Apple Inc. to drop all litigation, putting an end to one of the biggest disputes in the history of tech. This deal included a large royalty payment from the latter to the former, as well as a six-year global patent license agreement and chipset deal between the two companies.

This is massive. And I’m very happy to hear of it. It’s beneficial for both companies to move on, work together, and build great products. There’s plenty of money to be made for everyone.

But it’s particularly significant for Qualcomm, as it has cleared up a lot of uncertainty regarding their future profitability/viability and ability to work with the largest consumer electronics company on the planet.  QCOM’s price unsurprisingly (but unfortunately) shot up almost in a straight line immediately after this announcement.

Second, Walt Disney Co. (DIS) showed off its new Disney+ OTT streaming service during its recent investor presentation in early April. Priced at just $6.99 per month and loaded with a deep bench of beloved content, this is going to dramatically alter the entire streaming landscape.

The service itself has long been telegraphed and expected, but I think company pleasantly surprised everyone with both the richness of the service and the low price.

Walt Disney has long been my favorite play in media and entertainment. And they have shown an ability time and time again to adapt and set themselves up to compete for the long haul. This is another example of that ability.

Looking toward May, it’s business as usual.

I’ll aim to invest $500 to $1,000, which is my monthly target with the Fund now in “maintenance mode” from here on out.

As noted earlier, JPM is on the radar. I’d like to accumulate a share per month over the foreseeable future, if possible.

Also, I like Eastman Chemical Company (EMN) here.

I recently highlighted it as a high-quality dividend growth stock that appeared to be mildly undervalued.

With opportunities limited in this market, and with my Fund filled with a lot of great stocks that I’m already comfortably exposed to, this is a very good chemical company I wouldn’t mind owning a stake in.

Beyond that, there are a number of smaller positions in the Fund that I’d love to swing back around to.

I’m excited to live out another month in the life of my dreams. FIRE is absolutely, without a doubt, worth every ounce of effort and so-called “sacrifice”.

I honestly couldn’t imagine living any other way. Having the freedom to live life totally on my terms is a huge gift. Owning my time is the greatest luxury of all.

Let’s all continue to make our dreams come true!

As always, I’ll publish stock purchases in real-time over at Twitter and Facebook. So make sure to follow me there (where I also share numerous other updates about my life as a dividend expat).

Full disclosure: I’m long all aforementioned stocks.

How was your month? Are your investments performing to your expectations?

Thanks for reading.

Image courtesy of: imgflip and Warner Bros. Pictures.

P.S. If you’re also aiming to build a dividend growth stock portfolio and the necessary dividend income to become FIRE, make sure to check out some amazing resources that helped me reach financial freedom at 33!

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Filed Under: Finances

About Jason Fieber

Jason Fieber became financially free at 33 years old by using dividend growth investing to his advantage. Jason has authored two best-selling books: The Dividend Mantra Way and 5 Steps To Retire In 5 Years (also available in paperback).

 

Jason recommends Personal Capital for portfolio management, Mint for budgeting, Schwab for the brokerage account, and Morningstar, Daily Trade Alert, and Motley Fool for stock ideas. This blog is hosted by Bluehost. If you'd like to start your own blog, Jason offers free coaching when you use our Bluehost affiliate link.

 

Jason's writing and/or story has been featured across international media like USA Today, Business Insider, and CNBC.

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Reader Interactions

Comments

  1. Frugalish says

    May 2, 2019 at 6:35 am

    Glad to have you on the JPM train. I initiated a position back in 2016 and have seen a nearly 100% gain but looking at the price yesterday it still didn’t seem overvalued. So I added to my position! They seem to be firing on all cylinders right now.

    Reply
    • Jason Fieber says

      May 2, 2019 at 6:42 am

      Frugalish,

      Glad to be on the train. Should have hopped on about 10 stops ago! 😂

      If I were still heavily investing, like back in 2014 or so, I probably would have bought the bank a while back. But I don’t put away that much capital anymore, which limits the number of stocks I’ll buy.

      Still, I’m glad to be a fellow shareholder. It’s a great bank. That last quarter… wow.

      Cheers!

      Reply
  2. Dividend Gremlin says

    May 2, 2019 at 9:31 am

    Jason,

    Man, breaking 400k in the fund, that must feel pretty satisfying. Nice moves, I like WRK and CVS a lot – since I have both as well. These increases keep on piling up, which is always a great feeling.

    – Gremlin

    Reply
    • Jason Fieber says

      May 2, 2019 at 9:59 am

      Gremlin,

      Thanks!

      Yeah, I feel pretty good about the moves this month. You had the DEEP value there with CVS, the undervalued boring/simple WRK, and the fairly-valued high-quality JPM. It’s a pretty good balance, I think.

      Glad to be a fellow shareholder in some of these fine businesses!

      Best regards.

      Reply
  3. Mike H says

    May 2, 2019 at 2:50 pm

    Congratulations on keeping the train rolling and hitting the reference number of $400k in portfolio value. You basically can’t screw things up so keep enjoying those upper levels of Maslow’s Hierarchy.

    -Mike

    Reply
    • Jason Fieber says

      May 3, 2019 at 2:16 am

      Mike,

      Thanks, bud! 🙂

      I almost never make a big deal about the value of the portfolio. But I thought this particular milestone was really neat because of the forecast I put up way back in 2013. Obviously, that value is now almost completely out of my control. But it’s interesting that the time frame wasn’t totally inaccurate, even though I quit the job so much earlier than planned.

      Hope all is well over there!

      Best wishes.

      Reply
  4. Karl says

    May 2, 2019 at 8:29 pm

    Hey Jason,

    My fund is now $38K. I am putting extra money as I go. Pretty much following your model. Basically, after reading Benjamin Graham book The Intelligent Investor, this methodology is no brainer. Being 5% or less exposed in each position, one can’t mess it up too much either and if one stock does down a lot or there is cut in dividends, then other workers aka stocks or dividends will compensate for the error and eventually the stock will rise again.

    You are my motivation and there is not doubt in my mind that my future fund will be large enough that will sustain me for the rest of my and my kids life.

    Because I am so diversified and some will say over diversified I plan not to sell any positions except in really super duper poor rare occasions knowing fully that a company can’t get their act together on the road to prosperity.

    Reply
    • Jason Fieber says

      May 3, 2019 at 2:19 am

      Karl,

      That’s awesome, man. Glad to hear that things are coming along for you! 🙂

      Keep it up. There’s amazing stuff ahead. I’ve seen it for myself. It’s too good not to experience for yourself.

      Cheers!

      Reply
  5. praya says

    May 3, 2019 at 12:38 am

    Hi Jason,

    BKR meeting tomorrow.

    If Warren Buffett would make a surprise announce Jason Fieber as new portfolio manager, would you accept or refuse it? Would you fly to Omaha to work in Office at BRK, or you just happy with your life so you wont change it ?

    Reply
    • Jason Fieber says

      May 3, 2019 at 2:23 am

      praya,

      Wow. That’s an interesting question. It would obviously never happen in real life. 😂

      On one hand, I’d have to live in Omaha and commit to regular “job” hours/responsibilities. That would be a tough ask for me. I really do love my life.

      On the other hand, I’d get to work under my biggest hero/role model in life. And that would be too much to pass up on, especially with the knowledge that I could always return to all of this down the road.

      Cheers.

      Reply
  6. My Dividend Dynasty says

    May 3, 2019 at 5:17 pm

    Congrats on crossing the $400K mark! That is also an impressive list of dividend increases. Organic dividend growth makes a huge impact over time. It’s great! Keep up the awesome work! 🙂

    Reply
    • Jason Fieber says

      May 4, 2019 at 2:12 am

      MDD,

      Thanks a lot!

      The organic growth is awesome. I remember having to invest a lot of capital to get this kind of result. Feels great to be able to kind of sit back and go about my life as I please. 🙂

      Hope you enjoyed a solid month of dividend raises!

      Best regards.

      Reply
  7. Daniel says

    May 3, 2019 at 11:04 pm

    Hello Jason Fieber,

    I’m a 27 year old located in Toronto, Ontario. I’ve been severely depressed continuously thinking about

    working/commuting for the rest of my life.Your story has given me a goal and more importantly hope for

    the future. I’ve been reading and watching videos about dividend growth stocks, however I feel very

    limited by the Canadian currency and the available options for blue chip Canadian stocks. Is it worth

    converting CAD to USD to take part in America’s greater pool of aristocratic stocks?

    -Dan

    Reply
    • Jason Fieber says

      May 4, 2019 at 2:14 am

      Daniel,

      Hey, I’m glad you’ve found some inspiration here. That’s exactly why I write and share. 🙂

      I was actually your same age when I decided to turn around my life. It’s a great age. You’re young enough to still have time to turn things around, but you’re old enough to have some perspective and ability to clearly think through something.

      Keep in mind, though, that your country has plenty of options. I think you’re putting the cart before the horse here. Set up your plan, execute, and figure out what kind of investor you are with your homegrown options. Once you’re comfortable with everything, and once you’ve perhaps exhausted some of your local options, then you can start to move beyond your own border. But this is way in the future.

      Wish you much luck.

      Best wishes!

      Reply
  8. Ronald says

    May 7, 2019 at 2:30 pm

    Make this on your calendar boys cause it doesn’t happen too often. Jason Fieber mentions the total portfolio value and how monumental it is. Might seem trivial but I remember when that thing was in the low $100k range. You are killing it brother. Massive inspiration.

    Reply
    • Jason Fieber says

      May 8, 2019 at 2:35 am

      Ronald,

      Yeah, I suppose I might whisper something every $100k or so. 😂

      Appreciate the support and kind words very much. I’m blessed to be in a position to help and inspire people. It’s something I’m grateful for.

      Best regards.

      Reply
  9. ARB says

    May 8, 2019 at 9:27 am

    Great month of increases there! With the exception of Cullen/Frost, I enjoyed every one of those dividend increases with you.

    I don’t know why I never looked at Chase as a purchase. I’d say I always preferred smaller regional banks after 2008 (many (but not all) were better run with less risk and done didn’t even lose money), but when 3 of my 4 bank holdings are Wells Fargo, TD, and US Bank, I don’t think that’s entirely true.

    Sincerely,
    ARB–Angry Retail Banker

    Reply
    • Jason Fieber says

      May 8, 2019 at 10:30 am

      ARB,

      Yeah, I totally whiffed on Chase. To be fair, though, I did stop aggressively accumulating stocks years ago. If I were deploying a lot of capital and heavily pursuing FIRE from 2017-today, I’m certain this stock would have come into my possession much earlier than it did. Better late than never. 🙂

      Best regards.

      Reply
  10. Jack says

    May 24, 2019 at 8:46 am

    Hey Jason, that was a nice raise you got there! I’ve been following your posts for some time and would like to improve my return by reinvesting my dividends as quickly as possible.

    What is the secret to buying only a few shares without incurring the high trading fees? I’m Canadian and pay about $10 a trade in my self directed accounts.

    Reply
    • Jason Fieber says

      May 24, 2019 at 8:52 am

      Jack,

      Thanks for following along. I’m humbled by the opportunity to share this journey with the world.

      As for the trades, I landed a sweet deal with Schwab:

      https://www.mrfreeat33.com/why-i-moved-most-of-my-assets-from-scottrade-to-charles-schwab-and-why-you-may-want-to-do-the-same/

      Best regards.

      Reply
      • Jack says

        May 24, 2019 at 9:00 am

        Thanks for responding so quickly! I was just in the process of bookmarking this page so I can check it tomorrow but to my surprise you already replied haha..

        That sounds like a great deal, going to look into them a bit further.

        Reply

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Hi. I'm Jason Fieber. I achieved financial independence and retired in my early 30s by using dividend growth investing to my advantage. I cover stock analyses, market news, dividend updates, and the dividend growth investing strategy.

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