Passive Income November 2018

Thanks to our steadily growing portfolio of stocks, bonds, cash and options, we’re enjoying the benefits of a regular passive income. Once a month I keep track of our recent earnings. This is our update for November 2018.

Passive Income Monthly
Passive Income Monthly

Last month, we earned 350.28 ($400) in passive income. That’s a 2,238% YoY increase compared to 2017 (last year: €14.98).

Our passive income included quarterly dividend payments from the world’s largest telecommunications company AT&T (€59.08) and US retail pharmacy and health care company CVS Health (€15.32).

In November, we were also able to realize €275.88 in premiums by selling put options on 3M, AT&T, Fresenius Medical Care and Tesla.

Passive Income November 2018
Passive Income November 2018

Since January, we earned exactly €2,964.95 in passive income (previous month: €2,614.67) or €269.54 per month (previous month: €261.47). Up to now, around 78% of our earnings came from dividends, 9% from interest payments and another 13% from option premiums.

Passive Income Total
Passive Income Total

We still remain on track for our annual goal, which is to generate an average passive income of €250 per month. And December will be another fantastic month in terms of dividend income, as it’s traditionally the month with the highest dividend and interest income.

Passive Income Target-vs.-Actual
Passive Income Target-vs.-Actual

Recent portfolio additions in November 2018

On our way to financial independence we constantly try to improve our income situation. To that end, we pursue a twin-track investment strategy.

At its core stands a broadly diversified ETF portfolio, which we manage through value averaging. In November, it became necessary to add to our STOXX Europe 600 and FTSE North America ETFs. Last month, we bought additional shares for €1,072.80.

Our ETF portfolio is complemented by a high-yielding stock portfolio, which we manage according to our own stock screener. In November, we made one stock purchase and bought 75 shares of British company British American Tobacco (BAT) for €2,501.13. On top of this, we got another 200 shares of BAT, as two put options became due at $35.

Our passive income for 2018 is now expected to hit €3,585.42 (previous estimate: €3,307.36). That would be an increase of 76% compared to 2017.

How did your passive income develop in November? Please let me know and leave a comment or get in touch with me on Facebook or Twitter!

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