Dividend Portfolio Update #12 – April 2025
DP.12 | Dividend Portfolio Update #12 – April 2025
Welcome back to Gedal Notes, where we track the journey toward building a lasting dividend snowball. Let’s dive into the April 2025 update!
Part I – Portfolio Snapshot
- Total Portfolio Value: $1,335.60 (as of April 11, 2025)
- Annual Dividend Income: $14.72
- Monthly Average: $1.23
- Yield on Cost: 1.03%
- Cash on Hand: (TBD — largely reinvested this month)
- Number of Holdings: 12
- Recent Growth: Up from approximately $1,100 last month to $1,335.60 — that’s a +21% increase!
- Recent Moves: DRIP (Dividend Reinvestment Plan) in place, plus passive gains across the portfolio.
Commentary: We passed another milestone this month, crossing the $1,300 mark. It’s motivating to see that steady increase, underscored by small but growing dividend payouts.
Part II – Dividend Overview
- Total Annual Dividend Income: $14.72 (up from $14.21 last month)
- Top Dividend Contributors:
- HFBL: $7.06 (still the top dividend driver)
- DELL: $2.23
- MSFT: $1.26
- Upcoming Dividend: Mastercard – $0.07 (in 28 days)
- Income Breakdown:
- Daily: $0.04
- Monthly: $1.23
- Yield: ~1.11% (a slight improvement over last month)
Commentary: The dividend train keeps chugging. HFBL remains in the lead, but Microsoft and Dell add a crucial blend of dividend growth potential (tech + dividends = awesome long-term synergy). Mastercard’s upcoming payout may not be huge, but every bit contributes to the compounding effect.
Part III – Strategic Commentary
Portfolio Momentum
The biggest headline is the $230 bump in portfolio value since March. This stems from healthy market performance and continuous dividend reinvestment. While the absolute dollars in dividends remain modest, the upward trend is what matters most as compounding takes hold.
Performance Drivers
- HFBL: With 17.04 shares, it’s a small powerhouse for yield in this portfolio. Payouts here consistently bolster the annual income total.
- AAPL: Currently trading around $210.71, surpassing your breakeven and providing some tidy capital gains. Apple doesn’t yield much, but it’s a star in overall portfolio quality.
- MSFT & DELL: These continue contributing smaller—but growing—dividends. Their real strength is in potential dividend hikes over time, plus capital appreciation.
With these cornerstones in place, the portfolio has a solid base for future growth.
Part IV – Holdings Summary (Key Highlights)
| Ticker | Shares | Value | Est. Annual Dividend |
|---|---|---|---|
| HFBL | 17.04 | $226.59 | $7.06 |
| AAPL | 1.06 | $210.71 | (very modest) |
| MSFT | 0.411 | $156.32 | $1.26 |
| DELL | 1.069 | $95.65 | $2.23 |
| MA | 0.073 | $38.67 | $0.07 (upcoming) |
| Others | ~ | ~ (remainder) | ~$3.60 combined |
Commentary: No drastic position changes this month — primarily reinvested small dividends into existing holdings. HFBL’s stable yield remains the anchor. Apple finally moved clearly into green territory, which is a nice morale boost if you’ve been holding it through some volatility.
Part V – What’s Next?
- Additions: Consider incrementally adding to Apple or Microsoft ahead of any spring dividend increases. Their share prices have been creeping up, but dollar-cost averaging still works well.
- Sector Watch: Energy and Healthcare might offer better dividend yields if you’re looking to diversify. Watch for any dips in these sectors to buy on value.
- April Focus: Stay consistent with contributions and monitor for special dividend announcements (Costco, Visa, etc.). If there’s any talk of Meta/Alphabet beginning dividends, keep them on the watchlist.
Part VI – Quick Take
You’re effectively getting paid $0.04/day to hold stock. Yes, it’s humble right now, but the snowball is starting to form. A 21% total portfolio bump in one month is no small feat — even if part of it is market momentum, every win counts.
The dividend foundation remains the highlight: watch it compound, keep reinvesting, and steadily add funds. Before you know it, that daily payout will jump to $0.10, $0.20, and beyond.
That’s it for the April 2025 update. Let me know if you’d like this final version as a PDF or posted directly to your blog/social feeds. Keep the faith in the slow and steady compounding process — your future self will thank you!DP.12 | Dividend Portfolio
