I Just Invested $11,000 In 8 Days (Ep. 5) #Best Education Page #Online Earning

- [Ryan] So here we are with another update

for my $100,000 dividend stock portfolio

that I am building

and I mentioned this on my Instagram.

If you guys don't follow me over there,

it is down in the description below.

If you wanna get the most current updates

on what I'm doing with my investments,

make sure you guys are following me over there

because as I had mentioned,

I added another $5,000

to my M1 Finance portfolio today,

hence why I am making this update.

So if you're new to this series,

I'm essentially documenting the process

of building a $100,000 dividend stock portfolio

and I do monthly updates on this portfolio.

However, any time I am adding more money to this portfolio,

I do an update just like this so you guys are aware

of what it is that I am doing with my money.

Now, that being said, quick disclaimer here, guys.

I am not a financial advisor.

This is not financial advice.

This is just me documenting what I'm doing with my money

for entertainment purposes only

and if you find this information to be useful,

feel free to subscribe and follow along with this series.

But that being said, on this Monday and the previous Monday,

I invested $5,000 on each day lump sum

into the market on top of my normal $500 per week

of dollar-cost averaging.

So I'm investing $2,000 per month into this portfolio

but I also am funneling new money into this

as I see fit through these lump sum deposits.

So in the last eight days, I have invested $11,000

into this dividend stock portfolio.

So I wanna go ahead and give you guys an update

on my holdings, what I purchased today,

and how my portfolio looks overall.

But before we do that, let's take a look at the market.

It's 3:30 Eastern Standard Time on Monday.

So we're coming to the close

and let's see where the market stands.

It has been a rough day so far.

So right there on the left,

we can see the S&P 500 is down 7% today.

A little bit more than that so far.

Dow Jones Industrial Average down 7.3

and the Nasdaq is down about six

and these headlines here say at all.

The oil market is crashing.

They're calling it a stock market meltdown,

et cetera, et cetera.

So there was a lot of activity in the market today.

If you follow the futures trading at all,

they actually halted trading Sunday night

after there was a 5% sell-off

and trading actually halted this morning as well

for 15 minutes because of the excessive sell-off going on.

And this is essentially a safety mechanism built

into the markets to essentially stop you

from shooting yourself in the foot.

It's like a 15-minute time out to say,

hey, maybe take a breather here

and decide if you wanna do what it is

that you're going to do

when the market goes into a selling frenzy.

And if the market does sell-off enough,

I believe it is a 20% downturn,

the markets will actually close for the day

and resume trading on the next trading day.

So this is the worst day I have seen

in the markets personally as I have invested.

And so, we are seeing a massive downturn.

I did some buying today.

So let's get into that, what I purchased,

and then we'll look at my portfolio as a whole.

So today being March 9th,

I invested $5,499.98 in M1 Finance

and this is how it broke down.

So first of all, Delta Airlines is a brand new addition

to this portfolio.

Essentially, what I decided to do,

I was getting a lot of comments from people saying,

American Airlines, I'm crazy to buy it

and I talked about how the debt load for that company

is significantly higher.

So I decided to diversify

by purchasing another airline stock.

So I initially had American Airlines making up 16%

of my portfolio.

So instead, what I did is I added Delta Airlines

and I split it to 8% Delta, 8% American.

That way I'm not all in on one airline

should something happen.

So in my opinion, that splits it up a little bit

and diversifies me a bit there.

Another $1,100 went into Dunkin Donuts stock.

We had 346.10 going to Microsoft,

634.46 going into National Grid, the utility stock I own.

We had 331 going into Apple, 585 going into Walgreens,

and $1,007 that went into IBM.

And this is all based on the target allocations set up

on my M1 Finance portfolio.

Now, right now, my portfolio is pretty out of whack

because of my General Electric investment

and I wanna speak about that quickly

because a lot of people commented on my last video saying

why do I own this stock?

Why is it in a dividend portfolio?

And they just questioned me

about this investment rightfully so.

So the deal with General Electric here

is that this is a stock that I purchased back in 2017

and this was a really good learning experience for me

of buying into a stock too early.

So if we click on my General Electric investment here,

you will see that my cost basis is 14.15 per share

and obviously I am down massively

on this position, down 34.7%.

It might even be more because this is actually just

the money-weighted return not the time-weighted return.

But anyways, I'm down massively on GE

but I've owned this stock for three years now

and I have no plans on selling it.

I mentioned in one of my earlier videos,

I was actually near break-even at one point

with this stock earlier this year.

So as you can see here,

my cost basis being 14.15.

If we take a look at the stock,

I'll show you what I'm talking about.

Now, it's down to eight bucks a share.

But even recently, it was up to 13.16 per share

because the company overall was doing pretty good.

But then, we had some bad news come out about

how much free cash flow was going to be lost

as a result of said virus.

General Electric is down 12.03% today

and it's going into a massive sell-off.

As far as how far down it will go,

if I were to take a guess based on the last year,

it's probably heading to the seven

to $8 range per share or lower.

So I'm not touching General Electric.

I haven't put any new money into the stock in three years.

And so, the way my portfolio is currently setup,

no new money is flowing into the stock

and that is because my target allocation

for General Electric is just 8%

and right now this represents 33% of my portfolio.

So I am overweight in this stock but I don't have any plans

of selling it.

I believe in the future will be a 20

to $30 stock again

and if they become a strong dividend payers again,

I would consider owning it.

But as you guys know this is a dividend oriented portfolio

and owning a stock that pays a 1% dividend

is pretty much nonsense.

So I'm not gonna sell it because I see no reason to,

I've held it this long already,

and I think it's gonna go back at least above my cost basis

in the near future.

That being said, one to two years

but it's definitely not a stock

that makes sense in this portfolio

based on that current dividend yield.

Let's jump over to my holdings tab

and talk about my portfolio.

Am I up?

Am I down?

Obviously, guys, I'm down quite a bit

but let's take a look at the bloodbath

and see exactly what's going on.

So overall across the entire portfolio,

I am down 22.38% largely

because of General Electric down 41.65%.

And you guys might be wondering

why I'm not losing it right now over General Electric.

Well, I have held onto the stock so long.

I have seen the hills and the valleys.

At one point this stock was trading,

I think first $6 per share.

So at this point, I'm used to it.

I'm used to this.

I understand this is what has happened

with General Electric.

It's been a valuable learning experience for me

but I'm just gonna hold on to it

and see what happens because I believe in Larry Culp

and what this company can do long term.

As far as Dunkin Donuts, that's a new position here.

We're just down 2%.

Nothing really substantial there.

Walgreens because I averaged down last week

or only down 5.59%.

IBM, we're down 9%.

3M is down quite a bit here, 16.59%.

National Grid, my boring utility stock,

we're barely down 2.5%.

American Airlines, we are down quite a bit here, down 15%.

But that is the issue with buying

into a bleeding market like this

is you have no idea where the bottom is.

And for me, I'm personally comfortable with that

because I have a lot of cash on the sidelines to deploy.

I haven't really talked about my overall financial situation

on this channel lately.

But just to put it in a percentage.

Right now, between my investment portfolio here,

my Fundrise portfolio, and my Bitcoin portfolio.

I'm about 20% invested.

Meaning, I have 80% of my net worth sitting in cash.

Not including the money tied up in my vehicles or my house.

In terms of the amount of money I have to invest,

this is really just a nibble for me

and I can continue to funnel large amounts of money

into the market averaging down over time.

Now, for the average person, dumping $11,000

into this market is probably too risky

and you would wanna space

that out over a longer stretch of time.

But me, personally, because I have so much cash to deploy,

that is just not really as big of a risk for me

because I will have a lot of new money

to funnel into this investment

as well as Fundrise and cryptocurrency

and potentially other real estate investments down the road.

All right, circling back to the portfolio.

Delta Airlines down just 1.4%, Apple down just 3%,

and Microsoft down just 4%.

So a lot of the new investments in this portfolio

from last week were not doing too bad

because I bought at a pretty low point last Monday

and so far it seems like Monday has been a good day

to purchase in terms of taking advantage

of the massive correction.

But overall, where this portfolio is heading from here?

Your guess is as good as mine.

It could go down 30, 40%.

Who knows?

It could snap back.

There are just so many unknowns in this market

but my philosophy here is I believe in five years,

these companies will be in a much better position

in terms of their share price, in terms of where they're at,

with the technologies, and things they are working with.

So I believe in these picks long-term

and in that mean time,

they will be able to pay me dividends.

Now, the one thing I will say is that a lot of people

were questioning why I have airline stocks

in this portfolio.

It's a cyclical business and they're known

for being an industry that just goes all over the place

and I can't say that American Airlines and Delta Airlines

are stocks that I plan on owning for the next 10 years.

So I really added them to this portfolio

because I think there's a massive opportunity here

in my opinion to capitalize

on this once-in-a-lifetime opportunity.

This is uncharted territory of a virus spreading here

in the US that has disrupted travel in the way that it has.

Now, could I be wrong?

Absolutely.

These airlines could go bankrupt.

But at the end of the day,

the government has to prop up certain businesses

like the automakers or the banks

and there's already discussions out there

about a potential bailout for the airlines

or at the very least tax breaks

or some kind of tax incentive to help them out

because the airlines are such an important business

to the U.S. in the world economy.

It's not like these things are going to disappear overnight.

And if they did, it would be in my opinion

after the government attempted to prop them up.

So I'm not saying I wanna own them for 10 years.

But I believe that this seems to be a good opportunity

to buy them and potentially sell them in six months,

maybe a year or two for a hefty profit assuming

that the market snaps back.

And basically, what I believe is going to happen

is that all of the people that are not traveling right now

while they're still going to book those vacations

but they're just gonna wait until this blows over,

until the concerns about travel are lifted,

and then we're going to see

a massive boom of people going on vacations

which should help these airlines.

Now, that again, guys is just my opinion.

Who knows what's going to happen.

We will see but that is my thesis behind

these two investments.

Now, the last thing I wanna cover quickly in this video

is this article that M1 finance sent around

which was really interesting.

And essentially what they did

is they looked at what investors were doing

during this time of market turmoil.

They looked at the data

for an average Monday through Wednesday over the prior

for weeks and then compared it to last week

based on having a massive correction taking place

in the market and what they saw is more people

were contributing money during this market downturn

than in the average weeks.

Now, I will say this.

M1 Finance is a long-term investing platform

and it is for more of a sophisticated,

dare I say, investor

who is not going to be shooting themselves in the foot

when there's a market downturn.

But it is good to see that most investors

are not buying into this fear driven sell-off

and instead, they're sticking it out

or even loading up at a time when the market appears

to be on sale.

So overall, at least in the case of M1 Finance investors

are buying the dip and they look at this

as a buying opportunity

but the same may not be true across all brokerages

but that is certainly what I am doing

is buying into this market and I will continue to do so

through dollar cost averaging

as well as some lump sum investments

as I see opportunities in this market.

Now, if you guys wanna learn more about M1 Finance,

I do have a free training down below

that walks you through step by step how to sign up

for this brokerage, how to get started,

how to build a portfolio,

and it really walks you through the ins and outs

of this platform that is linked up down

in the description below as well as a link

to sign up for the M1 investing app if you are interested.

Full transparency, guys.

I am affiliated with M1 finance

so I may earn a small commission

if you decide to use that link.

But thanks so much for watching, guys.

I welcome you to leave me comments down below.

I will reply to as many as possible

and I hope to see you in the next video.

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