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The Dividend Guy Investment Process Part 4A: Portfolio Building – Maximizing Employer Contributions

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If someone is going to give you extra money for doing something you were going to do anyway, you take it. That is my philosophy around my employee pension plan and savings plan. Essentially, if I contribute money to both my pension fund and my savings plan then my employer will at least match that amount. Here is how they work. Pension Plan My pension plan is a defined contribution and I automatically receive 2% of my total earnings as a contribution to the plan. In addition, I …

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The Dividend Guy Investment Process Part 3: My Asset Allocation

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Updated September 9, 2009 Selecting an asset allocation means you are putting your risk profile to work in a way that balances the risk and reward in your overall portfolio. It is also the factor that contributes the most to a portfolio's return. Read that again. It is also the factor that contributes the most to a portfolio's return. To illustrate this, think of investing like a funnel: Click to Enlarge This funnel is derived from research presented by Ken Fisher in his book, The …

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The Dividend Guy Investment Process Part 2: My Risk Profile

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Risk is a crazy thing. Take on too much and you either crash and burn or you make out like a bandit. Take on too little and you either just float along or you make out like a bandit. The "trick" is figuring out how that happy medium that you will be comfortable with. I have spent some time determining what my risk profile is. For a definition of the most common risk profiles, see this post here. There are a lot of tools on the web to help determine risk profiles, but the one that I …

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The Dividend Guy Investment Process Part 1: Introduction and The Dividend Guy Code

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Updated January 26, 2009 In early December of 2007, I wrote a post about how I would invest if I were just starting out. In that post I provided my thoughts on how any beginner investor should start building a portolfio of stocks. I then realized that although I talk about my approach to investing on this blog, I have never have provided a linear and complete view of my overall process. Thus, I am kicking that off today. Today begins a series of posts that will build into complete insight into …

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Day 5: The Dividend Key – High Yields and Low Payout Ratios

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The last couple of posts in The Dividend Key series have covered high dividend stocks and the fact that they have been better market performers than low yield stocks. However, it has not been simply buying all the high dividend stocks that has been the most powerful. A study conducted by Credit Suisse Quantitative Equity Research looked at high yields and payout ratios. Their study found that it is high yields coupled with low payout ratios that have provided the best gains over lower yield …

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The Dividend Guy Hosts Festival of Stocks – January 7, 2008

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I am pleased to be hosting the January 7th edition of the Festival of Stocks. There are a lot of great articles presented here this week. As most hosts do, I have gone through each post and picked the ones that I found the most value in for me personally and marked them with an ***. The ones you find most relevant to you will differ so please ensure you have a look at each one. ***Dividends4Life presents Stock Analysis: SYY, providing a summary stock analysis for Sysco Corp (SYY). A …

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