Portfolio management for income investors

Dividend-Tracker


One click to see your complete investment picture

Benefits of Dividend-Tracker

One click to see your complete investment picture

No need to log in to each brokerage website

Track your monthly portfolio income, yield and value.

Access your data on any computer or your phone,

No personal identifiers or passwords.

Identify securities in need of a decision to sell, hold, or buy more.

Free Reports

Summary of income investments
Why income investing?
Baby Bonds
Permanent portfolio
Tracking income investments
Essential income investing links
Afraid to risk your money?
A simple 3-fund portfolio
Income investing advice

Other Offers

Accumulation phase spreadsheet
Preservation phase spreadsheet

Dividend-Tracker Links

Getting Started
Video (see below)
Complete manual
Please take our survey
Feedback
Purchase
CPQ
A Permanent Portfolio


Summary

The DT summary line shows at the top of the MAIN page and the HOME page. It includes total portfolio value, yield, monthly income, unrealized gain, plus today's change in dollars and percentage, and the percent change over the past month.


Filtered Views

Create and save filtered views. Here, the main page is filtered to one account. One can filter by asset type or any value. The data can be sorted by any data column: asset value, price change, capital gain, yield, years owned, percent of portfolio, to name a few.


Graphs

See your data summarized numerically and visually, as Value by account, Value by type of asset, Yield by account, Yield by type, Distribution of yield, Total portfolio value over time, CPQ over time, Monthly income over time

Video showing how to sort and filter data in Dividend-Tracker

Click on the little square in lower right hand corner for full screen video

The Dividend-Tracker home page

Your data sorted by account and investment type. Plus, the daily winners and losers, losers for the last 4 weeks, largest investments and smallest investments


CPQ Graph

The Capital Preservation Quotient tells you by what % your portfolio must grow in order to maintain its orginal value. If 0% or greater, you can withdraw all dividends and know that your principal is stable.


Why not track total return?


CPQ Calculation

The Capital Preservation Quotient (CPQ) accounts for gains and losses of securities you've sold and added to current unrealized gains and losses.


Disclaimer

The point of this website is to suggest ways to monitor your investments in order to plan for the future. The data presented is all approximate and the calculations subject to vagaries of data entry, stock prices downloaded from IEX, Google, or other sources, and errors or inadvertent modification of formulas. Accordingly, we will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or decisions you make that rely on the data or calculations found in the spreadsheets presented by Simple Personal Finance. Dividend-Tracker should be used to generate hypotheses about your financial position, but actual prices, the value of holdings, and the gains or losses of your investments are to be found in your brokerage account data.

Before using this site, please make sure that you note the following important information:
Do your own research
Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our Website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.

This material is not intended to be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and is not provided in a fiduciary capacity. The information provided does not take into account the specific objective or circumstances of any particular investor, or suggest any specific course of action and should not be considered specific legal, investment or tax advice.

No content on the site constitutes - or should be understood as constituting - a recommendation to enter in any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalized recommendations or views as to whether a stock or investment approach is suited to the financial needs of a specific individual.

The value of shares and investments and the income derived from them can go down as well as up;
Investors may not get back the amount they invested - losing one's shirt is a real risk;
Past performance is not a guide to future performance.

Please send us your email if you'd like to subscribe to our newsletter.
Please feel free to ask a question or comment about the Dividend-Tracker or anything else on the site.

Thank you for your purchase

For email support, write to Brian Mitchell at spf@5mitch.net

How Dividend-Tracker Works

1. After making a copy of the DT template enter your investment data: once stock at a time if you only have a few, or paste the data from your brokerage if you have many. You don't need all of the transactions, only the symbol, name, total shares, average cost per share, initial purchase date, asset type, and account.

When you make a new purchase, add the same info to the first empty line in DT.

2. Current prices, last month's prices, capital gains, yield, monthly income, and current value are all calculated within your copy of Dividend-Tracker from prices and dividend rates imported through a data link to Simple Personal Finance. This data is obtained from The Investors Exchange (IEX) and Seeking Alpha (SA).

3. Note that you only enter security symbols and raw numbers into your copy of Dividend-Tracker. Nothing is uploaded to SPF. Only stock symbols, prices, and dividend rates are imported to your DT spreadsheet.

4. Dividend-Tracker is a Google spreadsheet that resides on the internet. Access is protected by your Google username and password. Never enter any personal identifiers, such as account numbers, passwords, name, or address. Use nicknames for your brokers if you like. No one can access your data or connect it with you.

5. If the data does not appear, send the stock symbol to SPF by email so we can add it to our database. For thinly traded securities without readily accessible data, there will be a green box in columns AA and AD, Price Override and Dividend Override. Enter the data data when you find it and update as needed

Pricing for Dividend-Tracker and all SPF services

Monthly Subscription

Dividend-Tracker - Monthly Plan
Pay $10.00 per month to our parent company:
Mid-Atlantic Medical Consulting
Cancel whenever you want

Yearly Subscription

Dividend-Tracker discounted yearly subscription
$80 paid to our parent company:
Mid-Atlantic Medical Consulting

  • Dividend-Tracker (DT)

  • Security prices and dividend payouts provided by IEX

  • Email support

  • Preservation Phase spreadsheet

  • Accumulation Phase spreadsheet

  • Baby Bond

  • Email Tips and Tricks for DT

  • Bank of Mom and Dad spreadsheet

Please take the Simple Personal Finance survey here

Here are the questions

General questions
Email address
What is your age?
Are you retired?
What is your household yearly income? (optional, of course)
How many securities/investments (of all types) do you own?
What types of investments do you own?
What percent of your investments do you self-direct
How may K-1 forms do you receive each year?
Education

Your financial knowledge
I understand how interest rate changes affect bond prices and yields
I know the difference between bonds, preferred stocks, equities, municipals,
I understand the tax benefits of stocks that distribute qualified dividends
I know what tax loss harvesting means
I understand the difference between short-term and long-term capital gains

Your financial planning

Do you buy stocks for capital gains, dividends, or just for fun?
When I retire, I expect my monthly income, from all sources, to be:
What sort of return do you expect from your investments?
I know my net worth
I have a target net worth
How often do you review your financial situation?
Do you know much monthly income your current assets can yield?
I have a target monthly income in retirement
How do you currently track your investments?
If you use software or a commercial program to monitor your investments

About me

If it is true that one can learn a lot from failures, then I do know a lot about investing.

After a long career in medicine, I am planning for retirement now. I would like to be able to live off the income from my savings, without depleting my principal.

I spent many late nights trying to make sure I had all transactions from my brokerage accounts downloaded correctly into Quicken so I could get an exact calculation of the current, yearly, and total returns for my portfolio and for each individual security and account. All this work to generate data that means very little .If only I could have all that time back

Even with a direct connection to your brokerage account it never works exactly right. You always have to check and correct Transactions get left out, stock splits and changes in security names cause a lot of confusion, and the thing I care about most these days, yield, is very often wrong. Most importantly, monthly income is not calculated, either for an individual security or for my entire portfolio.

I now realize that there are only two issues one should care about in retirement: monthly income and preservation of capital.

Comparing total return for individual stocks, asset classes, or my entire portfolio to other investors or indexes is just vanity., though unrealized capital gains, current yield, and myriad other data points are important in making decisions to sell, hold, or buy more.

I won't tell you what to buy or sell. Others are much better qualified to do that. I have tried many different ways to track my investments -- that is what I claim expertise in.

Thirty years tracking investments in every program available (and there aren't many) has been very frustrating. That's why I developed the Simple Personal Finance Website and the Dividend-Tracker spreadsheet. I hope you find them useful.

Good Luck!

Brian Mitchell, MD

Text

Text

This site is not about specific investment recommendations (see disclaimer at bottom of page one), but just as Vanguard Boggleheads have shown you can do well over time investing in just 3 funds, I developed this example of a sleep-well-at-night income portfolio. Click the links below to learn more about the Permanent Portfolio concept and to see my shot at it.

Text

Please send us a list of security symbols that you would like added to Dividend-Tracker.

Summary

The DT summary line shows at the top of the MAIN page and the HOME page. It includes total portfolio value, yield, monthly income, unrealized gain, plus today's change in dollars and percentage, and the percent change over the past month.

This is at test