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Salkkutilanne

Aloitin vuosia sitten sijoittamisurakan, jonka tarkoituksena on luoda jonkinlaista tuloa eläkevuosina. Salkkuni on pääsääntöisesti osinkosijoitussalkku. Tämä tarkoittaa, että salkun perustuotto tulee jatkuvasta osinkovirrasta. Salkun toinen aspekti on pieni muotoinen lyhyen tähtäimen kaupan käynti, joka keskittyy myös osingoa tuottaviin yrityksiin.

Salkkuni ei ole keskitetty salkku, vaan runsaasti hajautettu. Minulla oli aikoinani tavoitteena noin viidenkymmenen yhtiön salkku, mutta olen luopunut tuosta rajasta ja nykyään tavoittenaani on saada riittävästi yhtiöitä salkkuuni Eli tarkemmin sanoen rajani on nykyään suurempi kuin 50 yhtiötä. Käsite riittävä on näin ollen hyvin epämääräinen ja voi tarkoittaa yhtä hyvin 70 kuin 200 yhtiötä salkussani. Yhtiöiden korkea määrä mahdollistaa turvattua osinkotuottoa, mutta myös mahdollisuutta myydä yhtiöitä ilman, että osinkotuotto häiriintyy.

Jos sinulla on jotain hyvin tärkeää sanomista, jota en viitsi pistää yleiseksi kommentiksi, niin sivuston sähköposti on: info@peilimaa.com

Strategioistani.

Kuten kävi ilmi päästrategiani on kerätä osinkotuloa. Olen pyrkinyt noin 7% vuotuiseen osinkotuottotavoitteeseen ennen veroja, mutta käytännössä tavoite on siinä 6% paikkeilla. Osinkotuoton päälle pyrin tällä hetkellä saamaan pientä osto/myyntituloa, joka nostaisi salkun kokonaistuoton yli 7% vuodessa.

Strategiani ei ole osta ja pidä - vaan enemmänkin pidä, kunnes yhtiön osakkeen arvo kohoaa riittävästi, jotta uudellen sijoituksella nostat osinkotuoton määrää. Eli ostojen ja myyntien tarkoitus on aina kohottaa salkun osinkotuottoa entiseen verrattuna.

Ostan pääsääntöisesti osakkeita, joiden kurssit ovat laskeneet ostohetkeä vasten ja myyn ostohetkeen verrattuna nousevaan kurssiin. Koska haen kasvavaa osinkotuottoa, laskevaan kurssiin ostaminen nostaa osinkotuottoa. Tämä ei tarkoita, että ostaisin heti kurssin laskettua ostohinnasta, vaan ostan vasta kun lasku on tasaantunut. Näin nostan samalla osinkotuottoa, kun lasken yhtiön osakeen keskihintaa. Kun yhtiön kurssi saavuttaa ostohintatason uudellen, ostaminen päättyy - ja mahdollisesti osakkeen painoa salkussa vähennetään. Hyvin yksinkertainen perusstrategia.

Strategian edellytys on varmistaa ostettavan yhtiön tilan olevan riittävä, että sen toiminta jatkuu riittävän pitkään. Toinen strategian perusta on trendin seuraaminen. Jos hintatrendi on ollut vuosia laskeva jätän yhtiön osakkeet ostamatta.

Salkun arvon kehitys.

Salkun kehitysindeksi. Indeksiä laskettiin aikaisemmin vaihtelevalla välillä eikä arvioitu päivätasolla. Lisäksi salkun sisällön määritystapa muuttui hieman vuonna 2020 keväällä (kaikki omistamani salkut laskettiin mukaan indeksiin), mikä ei kuitenkaan juurikaan vaikuta indeksin luonteeseen.

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Salkun tavoitteena että arvojakauma pidetään mahdollisimman tasaisena ja symmetrisenä.

LogNormaali 000.010.010.020.020.030.030.040.0432333435363738394041424344454647484950515253545556575859606162636465666768697071727374757677787980818283848586878889909192939495969798991001011021031041051061071081091101111121131141151161171181191201211221231241251261271281291301311321335.232743954e-6914.443137254901963504.11538461538464328.13403102e-5320.129411764705882504.11538461538464337.852654202e-4325.815686274509808504.11538461538464346.800107706e-3631.501960784313727504.11538461538464359.88685266e-3137.188235294117646504.11538461538464361.029576921e-2642.87450980392157504.11538461538464371.735643609e-2348.56078431372549504.11538461538464387.807860831e-2154.24705882352942504.11538461538464391.298976846e-1859.933333333333344504.11538461538464409.994993242e-1765.61960784313727504.115384615384414.170680787e-1571.30588235294118504.1153846153595421.060799719e-1376.9921568627451504.11538461474663431.795963644e-1282.67843137254901504.11538460458337442.16585677e-1188.36470588235292504.11538448512647451.962021695e-1094.05098039215687504.1153834353928461.392836503e-0999.73725490196078504.11537623863904478.017983025e-09105.4235294117647504.1153363939288483.848914186e-08111.10980392156861504.11515313541656491.576717163e-07116.79607843137256504.11443635200186505.619361604e-07122.48235294117647504.112005039791511.770880537e-06128.16862745098038504.1047342514011525.003162748e-06133.8549019607843504.08529477973531.282234997e-05139.54117647058825504.0382689142539543.011329838e-05145.22745098039215503.9342783342381556.537697886e-05150.9137254901961503.7221968162944560.0001322151274156.6503.32022130467570.0002507412728162.28627450980395502.60738576169433580.0004485450873167.97254901960787501.4177614038015590.0007607994637173.6588235294118499.53981272610906600.001229165812179.3450980392157496.72298122067804610.001899324856185.03137254901964492.6925355821587620.002817206637190.71764705882353487.1722450465222630.004024259027196.40392156862748479.9128353757218640.005552315475202.09019607843138470.7228550179493650.007418747803207.7764705882353459.49782700317394660.009622590696213.46274509803925446.2435568944824670.01214220346219.14901960784317431.0901953439562680.01493482023224.83529411764707414.2949432553894690.01793807734230.52156862745102396.23286585791135700.02107334585236.2078431372549377.3768503372338710.0242504811241.89411764705883358.2690414671901720.02737345839247.58039215686276339.48694741743645730.03034630682253.26666666666668321.6077527474798740.03307877694258.9529411764706305.17423237945434750.03549126677264.63921568627455290.66512566460403760.03751866204270.3254901960784278.4720402773695770.03911289601276.01176470588234268.8840575274948780.04024417952281.69803921568626262.08033420345816790.04090097812287.3843137254902258.1302404619373800.04108890793293.07058823529405257.0810.0408287832298.756862745098258.56443247961425820.04015407574304.44313725490196262.6222330248653830.03910804506310.1294117647059268.913231895724840.03774077463315.81568627450986277.1362189570876850.03610631127321.5019607843137286.9661478389976860.03426005872327.18823529411765298.0698113566797870.03225652878332.87450980392157310.1193667719485880.03014750833338.5607843137255322.8033592623736890.02798066201344.2470588235294335.8351259550594900.02579855867349.93333333333334348.9586508403381910.02363808697355.61960784313726361.95207950662007920.02153021018361.3058823529412374.62919385827536930.01950000205366.99215686274505386.83919622345445940.01756690331372.678431372549398.46516691847967950.01574514011378.36470588235295409.4215475099605960.01404425101384.0509803921568419.6509715915319970.01246967587389.7372549019608429.1207229322288980.01102336813395.4235294117647437.8190532586498990.00970439985401.1098039215686445.751543315178761000.00850953676406.7960784313726452.937644556281671010.007433767337412.4823529411765459.407497078197251020.006470776062418.16862745098035465.19908345603361030.005613355806423.85490196078433470.355748524444831040.004853758278429.54117647058825474.924091775709371050.004183984309435.2274509803921478.95222151604671060.003596017852440.9137254901961482.488347553209851070.003082008885446.6485.57968120310241080.002634411132452.2862745098039488.27160698907961090.002246080811457.9725490196078490.607088786230351100.001910342508463.6588235294118492.62627362778071110.001621027978469.3450980392157494.36625832878461120.001372493197475.0313725490196495.86098698217141130.001159618375480.71764705882356497.141250833254841140.0009777950838486.4039215686275498.234765723556451150.0008229039919492.09019607843135499.16630597828571160.0006912861479497.77647058823527499.957877129136141170.0005797101908503.4627450980392500.62891310763511180.0004853373985509.1490196078432501.196486451909441190.0004056860535514.8352941176471501.67552261374661200.0003385962481520.521568627451502.0790116308811210.0002821959422526.207843137255502.41821225667751220.0002348688425531.8941176470589502.702845142356751230.0001952244662537.5803921568628502.941272878642741240.000162070595543.2666666666667503.140665660146171250.0001343882032548.9529411764706503.307152073140341260.0001113088503554.6392156862745503.445955060352841279.209446267e-05560.3254901960785503.56151351704231287.611938273e-05566.0117647058825503.657590249736361296.285453445e-05571.6980392156863503.737367207787541305.185353671e-05577.3843137254902503.803529000000371314.274058893e-05583.070588235294503.85833575222691323.519995346e-05588.7568627450981503.90368636209473133LogNormaalidistribution

Salkun tuoton kehitys.

Salkun tuoton laskenta perustuu nykyään sekä osinkotuottoon että osto/myynnistä tulevaan tuottoon. Ennen vuotta 2020 arvon laskenta perustui puhtaasti osinkotuottoon. Käsite Yield viittaa siis sekä osinkotuotosta että myyntituotosta saatuun tuottoon verrattuna salkun arvoon tietyn kuukauden sisällä (Yield 1 kk). Tuoton kasvu viittaa vuoden 2018 alkuvuoden tuottotilanteeseen. Myös tuoton kasvu seuraa tilanetta kuukausittain.

Tuoton kasvu% 001001002002003003004004005005006006007007008008009009001.…1.201802…02.201803…03.201804…04.201805…05.201806…06.201807…07.201808…08.201809…09.201810…10.201811…11.201812…12.20181.…1.20192.…2.20193.…3.20194.…4.20195.…5.20196.…6.20197.…7.20198.…8.20199.…9.201910…10.201911…11.201912…12.20191.…1.20202.…2.20203.…3.20204.…4.20205.…5.20206.…6.20207.…7.20208.…8.20209.…9.202010…10.2020021.450904977375565496.19569333858921.201862.1939275239.62963800904977480.056399497879602.2018-15.2595494657.808371040723976500.155538976986903.2018147.855044175.98710407239818457.827381556014204.201898.5896180294.16583710407237470.6117355747179505.2018153.6141038112.3445701357466456.3329083625752706.2018285.367287130.5233031674208422.143021631043807.2018140.8423115148.70203619909498459.647182247344608.2018200.0979432166.88076923076923444.270374729818209.2018107.2477963185.05950226244343468.3649425424050610.201857.70812929203.23823529411763481.2204619512725711.201881.01860921221.41696832579183475.171403787353112.201870.34280118239.59570135746606477.94177076158511.2019132.2428991257.7744343891402461.87872555319392.2019170.3232125275.95316742081445451.996902804740563.2019184.0352595294.1319004524886448.43863329655264.2019497.453477312.31063348416285367.106758823685655.2019241.1753183330.48936651583705433.610815931718046.2019276.7678746348.66809954751125424.37456493689317.2019233.006856366.84683257918545435.73052791016718.2019172.2820764385.0255656108597451.48857858928519.2019261.2144956403.20429864253384428.410659207609110.201976.98334966421.3830316742081476.218551671191211.2019210.4799216439.56176470588235441.5762563879044412.2019170.460333457.7404977375565451.96132010965871.2020236.3173359475.91923076923075434.87145998604752.2020183.6630754494.0979638009049448.535214897489143.2020411.1263467512.2766968325791389.508606998805934.2020810.3036239530.4554298642533285.92229837330075.2020937.0173266548.6341628959276253.040154361602286.2020725.7002938566.8128959276017307.876821238820247.2020568.2859941584.991628959276348.72575519281778.2020392.4583741603.1703619909503394.35293677209619.2020610.8912831621.3490950226244337.6697035066623610.2020Tuoton kasvu%Compared Yield 1 kk 000.10.10.20.20.30.30.40.40.50.50.60.60.70.70.80.80.90.9111.11.11.21.21.31.31.41.41.51.51.…1.201802…02.201803…03.201804…04.201805…05.201806…06.201807…07.201808…08.201809…09.201810…10.201811…11.201812…12.20181.…1.20192.…2.20193.…3.20194.…4.20195.…5.20196.…6.20197.…7.20198.…8.20199.…9.201910…10.201911…11.201912…12.20191.…1.20202.…2.20203.…3.20204.…4.20205.…5.20206.…6.20207.…7.20208.…8.20209.…9.202010…10.20200.43800755922.01153846153846432.582214741205351.20180.689597160340.66538461538461391.493878877010902.20180.302715411859.31923076923077454.6774410573296403.20180.885404092977.97307692307693359.515685160907204.20180.673475827596.62692307692308394.1267330767198605.20180.8244763839115.28076923076924369.4660891313943706.20181.137649652133.9346153846154318.3202216818956507.20180.6920245786152.5884615384615391.097445261246708.20180.816557135171.2423076923077370.759420644582409.20180.5698294174189.89615384615385411.0537383446813410.20180.4157721789208.55436.2135840696277611.20180.5207191683227.20384615384617419.074174791872612.20180.4242122974245.85769230769233434.83518679574451.20190.5397906672264.51153846153846415.95951446028282.20190.5927325831283.16538461538465407.313309649337163.20190.5625169725301.8192307692308412.24796970918244.20191.256333155320.473076923077298.937434723451135.20190.6812345063339.1269230769231392.85962506057626.20190.7140894747357.7807692307693387.493918496948777.20190.6719367589376.4346153846154394.378085941188.20190.4879187457395.0884615384616424.430973217170059.20190.6314852231413.74230769230775400.9844253108603310.20190.2957350005432.39615384615394455.817446382704511.20190.4993856139451.05000000000007422.5582625465077612.20190.4213463002469.7038461538462435.30324690602621.20200.559386379488.3576923076924412.759242341785352.20200.6119186593507.01153846153846404.179937130531243.20200.9166361039525.6653846153846354.415031745082444.20201.513121907544.3192307692308257.05.20201.172703095562.973076923077312.595471387361956.20200.9226216533581.626923076923353.43750221842127.20200.6952206535600.2807692307692390.57547853523928.20200.5120850232618.9346153846154420.48425951860379.20200.6765719237637.5884615384616393.621094362419510.2020Yield 1 kkYields

On hyvä huomioida että yield arvossa on osinkotuoton lisäksi myynti tuloja.

Salkun tämän hetken rakenne:

Salkkuni nykyinen rakenne. Tässä kuvataan vain salkussani olevia yhtiöitä. Olen jättänyt toistaiseksi salkun painotuksiin liittyvät seikat pois ylläpidollisista syistä.

Salkun sisältö

ABA

INC

AUD

https://www.auswidebank.com.au/

ASX

Osake

ADA

ADACEL TECHNOLOGIES LIMITED

AUD

https://www.adacel.com/

ASX

Osake

ALL

ARISTOCRAT LEISURE LTD

AUD

https://www.aristocrat.com/

ASX

Osake

ANN

ANSELL LTD

AUD

https://www.ansell.com/au/en

ASX

Osake

BKW

BRICKWORKS LIMITED

AUD

https://www.brickworks.com.au/

ASX

Osake

CBA

COMMONWEALTH BANK OF AUSTRALIA

AUD

https://www.commbank.com.au

ASX

Osake

IDX

INTEGRAL DIAGNOSTICS LTD

AUD

https://www.integraldiagnostics.com.au

ASX

Osake

MNY

MONEY3 CORP LTD

AUD

https://investors.money3.com.au/

ASX

Osake

NAB

NATIONAL AUSTRALIA BANK LIMITED

AUD

https://www.nab.com.au/

ASX

Osake

NWH

NRW HOLDINGS LTD

AUD

https://nrw.com.au/

ASX

Osake

PNC

PIONEER CREDIT LTD

AUD

https://pioneercredit.com.au/

ASX

Osake

S32

SOUTH32 LTD

AUD

https://www.south32.net/

ASX

Osake

ADN

ACADIAN TIMBER CORP

CAD

https://www.acadiantimber.com/

TSE

Osake

BK

CANADIAN BANC CORP

CAD

https://www.quadravest.com/canadian-banc-home

TSE

CEF

BMO.PR.F

BANK OF MONTREAL

CAD

https://www.bmo.com/

TSE

Etuoikeutettu

BRE

BRIDGEMARQ REAL ESTATE SERVICE

CAD

https://www.bridgemarq.com/

TSE

Osake

CJR.B

CORUS ENTERTAINMENT INC-B SH

CAD

https://www.corusent.com/

TSE

Osake

CNR

CANADIAN NATL RAILWAY

CAD

https://www.cn.ca/en/

TSE

Osake

CRR.UN

CROMBIE REAL ESTATE INVESTME

CAD

https://crombie.ca/

TSE

Osake

DGS

DIVIDEND GROWTH SPLIT CORP-A

CAD

https://www.bromptongroup.com/product/global-dividend-growth-split-corp/

TSE

CEF

DIR.UN

DREAM INDUSTRIAL REAL

CAD

http://www.dream.ca/industrial/

TSE

Osake

DR

MEDICAL FACILITIES CORP

CAD

https://www.medicalfacilitiescorp.ca/Default.aspx

TSE

Osake

INO.UN

INOVALIS REAL ESTATE

CAD

www.inovalisreit.com

TSE

Osake

NWH.UN

NORTHWEST HEALTHCARE PROPERTY

CAD

https://www.nwhreit.com/

TSE

REIT

POW

POWER CORP OF CANADA

CAD

https://www.powercorporation.com/en/

TSE

Osake

PRV.UN

PRO REAL ESTATE INVESTMENT

CAD

https://proreit.com/en/

TSE

REIT

RNW

TRANSALTA RENEWABLES

CAD

https://www.transaltarenewables.com/

TSE

Osake

RUS

RUSSEL METALS INC

CAD

https://www.russelmetals.com/en/

TSE

Osake

SIA

SIENNA SENIOR LIVING INC

CAD

https://www.siennaliving.ca/

TSE

Osake

SOT.UN

SLATE OFFICE REIT

CAD

https://www.slateofficereit.com/

TSE

REIT

TF

TIMBERCREEK FINANCIAL

CAD

https://www.timbercreekfinancial.com/

TSE

Osake

WJX

WAJAX CORP

CAD

https://www.wajax.com/

TSE

Osake

AALB

AALBERTS NV

EUR

https://aalberts.com/

AEB

Osake

AD

KONINKLIJKE AHOLD

EUR

https://www.aholddelhaize.com/en/home/

AEB

Osake

GLDV

SPDR GLOBAL DIV ARISTOCRATS

EUR

https://www.ssga.com/fi/en_gb/intermediary/etfs/funds/spdr-sp-global-dividend-aristocrats-ucits-etf-dist-zprg-gy

IBIS

CEF

IDVY

ISHARES EURO DIVIDEND

EUR

https://www.ishares.com/uk/professional/en/products/251787/ishares-euro-dividend-ucits-etf

AEB

ETF

IHYU

ISHARES USD HY CORP USD DIST

EUR

https://www.ishares.com/uk/individual/en/products/251833/ishares-high-yield-corporate-bond-ucits-etf

IBIS

ETF

INN1

ING GROEP NV

EUR

https://www.ing.com/Home.htm

AEB

Osake

JPM US TECH

JPM US TECH

EUR

FUND

Rahasto

MLPI

L&G US ENERGY INFRASTR MLP

EUR

BVME

ETF

MWB

MWB FAIRTRADE WERTPAPERHAND

EUR

https://www.mwbfairtrade.com/de/home/

IBIS

Osake

NEDAP

NEDAP N.V.

EUR

https://nedap.com/

AEB

Osake

O

Realty Income

EUR

https://www.realtyincome.com/Home/default.aspx

NYSE

REIT

PBB

DEUTCHE PFANDBRIEFBANK AG

EUR

https://www.pfandbriefbank.com/

IBIS

Osake

PUM

PUMA SE

EUR

https://eu.puma.com/fi/en/home

IBIS

Osake

SDHY

ISHARES USD SHORT DUR HY CRP

EUR

https://www.ishares.com/uk/individual/en/products/258128/ishares-short-duration-high-yield-corporate-bond-ucits-etf

AEB

ETF

SJNK

SPDR BBG 0-5 US HIGH YIELD

EUR

https://www.ssga.com/fi/en_gb/intermediary/etfs/fund-finder

IBIS

ETF

SYBI

SPDR BBG EM INFLATION LINKED

EUR

IBIS

ETF

TUI1

TUI AG-DI

EUR

https://www.tuigroup.com/en-en/investors

IBIS

Osake

WKL

WOLTERS KLUWER

EUR

https://www.wolterskluwer.com/en

AEB

Osake

AMSWA

American Software, Inc

USD

https://www.amsoftware.com/

NASDAQ

Osake

ARI

APOLLO COMMERCIAL REAL ESTATE

USD

https://www.apolloreit.com/

NYSE

REIT

CHW

CALAMOS GLOBAL DYNAMIC INCOM

USD

https://www.calamos.com/funds/closed-end/global-dynamic-income-chw/

NASDAQ

CEF

GIS

GENERAL MILLS INC

USD

https://www.generalmills.com/

NYSE

Osake

GLAD

GLADSTONE CAPITAL CORP

USD

https://www.gladstonecapital.com/

NASDAQ

Osake

GNL

GLOBAL NET LEASE INC

USD

http://globalnetlease.com/

NYSE

REIT

GOF

GUGGENHEIM STRATEGIC OPPORTU

USD

https://www.guggenheiminvestments.com/cef/fund/gof

NYSE

CEF

GOOD

Gladstone Commercial

USD

https://www.gladstonecommercial.com/

NASDAQ

REIT

HEQ

JOHN HANCOCK HEDGED EQUITY

USD

https://www.johnhancock.com/about-us/news/john-hancock-investment-management/2020/04/john-hancock-hedged-equity---income-fund-and-john-hancock-financial-opportunities-fund-release-earnings-data.html

NYSE

CEF

KO

COCA-COLA CO/THE

USD

https://www.coca-colacompany.com/

NYSE

Osake

MAIN

MAIN STREET CAPITAL CORP

USD

https://www.mainstcapital.com/

NYSE

Osake

MET

METLIFE INC

USD

https://www.metlife.com/

NYSE

Osake

NCZ

ALLIANZGI CONV & INCOME II

USD

https://us.allianzgi.com/en-us/our-experts/team-detail-pages/convertible-income-fund-ii

NYSE

CEF

NMFC

NEW MOUNTAIN FINANCE CORP

USD

http://www.newmountainfinance.com/

NYSE

Osake

NRZ

NEW RESIDENTIAL INVESTMENT

USD

https://www.newresi.com/

NYSE

REIT

SACH

SACHEM CAPITAL CORP

USD

https://www.sachemcapitalcorp.com/

AMEX

Osake

SO

SOUTHERN CO/THE

USD

https://www.southerncompany.com/

NYSE

Osake

THW

TEKLA WORLD HEALTHCARE FUND

USD

https://www.teklacap.com/funds/thw/info/fund-information/

NYSE

CEF

UBSI

UNITED BANKSHARES INC

USD

https://www.ubsi-inc.com/

NASDAQ

Osake