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Old 12-30-2016, 03:34 PM   #41
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Ok time for the 4th Quarter 2016 Update:

For the real RunningMan portfolio I proposed as a 5% withdrawal portfolio with someone of very minor savings ($36,376):

Payments Began March 15, 2015 $150.00/mo
Current Distribution:-- 3/5/2016 $152.00/mo
Total Distributions:———————$3,320.00

Portfolio Value @ 12/31/16: $36,950.43
DNP : $24,326.94 --- 2,378 Shares
SDOG: $6,310.50 ----- 150 Shares
RVT : $ 5,623.8 ------- 420 Shares
MMKT : $689.19

Distributions received since last report:$629.91 Payments made 456.00
---------------------------------------------------------------------
Wellington Portfolio for Comparison @ 12/31/16: $36,021.15

VWLEX $35,717.15 913.25 Shares
MMKT: $304.00

Distributions reinvested since last report: $897.23 22.87 Shares@ 39.24



Good quarter for RVT and Wellington as Wellington has nearly covered the distributions made from the start of the portfolio, The Running Man portfolio holds a slim 1.6% gain on the starting value of the portfolio.
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Old 03-22-2017, 10:45 PM   #42
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Ok time for Annual Portfolio Adjustment:

For the real portfolio I proposed as a 5% withdrawal portfolio with someone of very minor savings ($36,376):

Payments Began March 15, 2015 $150/mo

Portfolio Value @ 02/29/17: $38,678.17
DNP : $25,397 --- 2,378 Shares
SDOG: $6,585 ----- 150 Shares
RVT : $ 6,001.80 ------- 420 Shares
MMKT : $694.33


---------------------------------------------------------------------
Wellington Portfolio for Comparison @ 02/29/17: $36,959.17

VWLEX $36,959.17 913.25 Shares
MMKT: 0.00

Shares@ 40.47
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The CPI all items inflation index has increased 2.5% over the last 12 months ending January so the increase for the payout is increased to $156.00 (rounded to nearest dollar)
This resulted in the need for $1872 in the Wellington portfolio so 46.26 shares are sold and the funds placed in MM account. There are now 866.99 shares in the Wellington Portfolio, a decrease of 6.4 shares over the course of the year.

For the Running Man portfolio an additional 64 shares in DNP were purchased @ 10.68 with a $4.99 commission for a total of $688.51 leaving $5.82, of which $4.00 will be needed as the increased dividend for DNP will not begin until the March 25th ex dividend date for April 10th payout. RVT and SDOG were left as is, at 15.5% and 17.0% of portfolios they are within a good range of the 16.7% desired amount, RVT had a very large bounce back in 2016. So there are now 2,442 shares of DNP paying monthly dividend of $158.73 for the $156 monthly payment. The cap for payout will rise to $163.90 for 2018 when the portfolio's will next be realigned.

Overall a very slight win in 2016 for the Running Man portfolio as RVT had a significant return but both are nicely above the starting portfolio value despite beginning in a month in 2015 at an all time high. Quarterly reporting will continue in March.
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Old 04-01-2017, 09:52 AM   #43
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Ok time for the 1st Quarter 2017 Update:

For the real RunningMan portfolio I proposed as a 5% withdrawal portfolio with someone of very minor savings ($36,376):

Payments Began March 15, 2015 $150.00/mo
Current Distribution:-- 3/5/2017 $156.00/mo
Total Distributions:———————$3,780.00

Portfolio Value @ 03/31/17: $38,865.19
DNP : $26,373.60 --- 2,442 Shares
SDOG: $6,442.50 ----- 150 Shares
RVT : $ 5,880.00 ------- 420 Shares
MMKT : $169.09

Distributions received since last report:$628.41 Payments made 460.00
The withdrawal rate on the value of the portfolio is now 4.82%
---------------------------------------------------------------------
Wellington Portfolio for Comparison @ 3/31/17: $36,744.70

VWLEX $35,717.15 872.13 Shares
MMKT: $1,720

Distributions reinvested since last report: $206.34 5.14 Shares@ 40.17
The withdrawal rate on the Wellington portfolio is now 5.09%


14933
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Old 07-02-2017, 10:18 AM   #44
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Ok time for the 2nd Quarter 2017 Update:

For the real RunningMan portfolio I proposed as a 5% withdrawal portfolio with someone of very minor savings ($36,376):

Payments Began March 15, 2015 $150.00/mo
Current Distribution:-- 3/5/2017 $156.00/mo
Total Distributions:———————$4,231.00

Portfolio Value @ 06/30/17: $39,762.27
DNP : $26,886.42 --- 2,442 Shares
SDOG: $6,400.50 ----- 150 Shares
RVT : $ 6,127.50 ------- 420 Shares
MMKT : $347.55

Distributions received since last report:$646.46 Payments made 468.00
The withdrawal rate on the value of the portfolio is now 4.71%
---------------------------------------------------------------------
Wellington Portfolio for Comparison @ 6/30/17: $37,199.20

VWLEX $35,951.59 877.94 Shares
MMKT: $1,248

Distributions reinvested since last report: $238.09 5.81 Shares@ 40.98
The withdrawal rate on the Wellington portfolio is now 5.03%

The Runningman portfolio had a slightly better 2nd Quarter than Wellington, but the market continues to close near record highs. As long as markets keep climbing there is little risk, interesting situations will develop with the next major market decline.
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Old 07-02-2017, 01:55 PM   #45
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Quote:
Originally Posted by Running_Man View Post
Ok time for the 2nd Quarter 2017 Update:

For the real RunningMan portfolio I proposed as a 5% withdrawal portfolio with someone of very minor savings ($36,376):

Payments Began March 15, 2015 $150.00/mo
Current Distribution:-- 3/5/2017 $156.00/mo
Total Distributions:———————$4,231.00

Portfolio Value @ 06/30/17: $39,762.27
DNP : $26,886.42 --- 2,442 Shares
SDOG: $6,400.50 ----- 150 Shares
RVT : $ 6,127.50 ------- 420 Shares
MMKT : $347.55

Distributions received since last report:$646.46 Payments made 468.00
The withdrawal rate on the value of the portfolio is now 4.71%
---------------------------------------------------------------------
Wellington Portfolio for Comparison @ 6/30/17: $37,199.20

VWLEX $35,951.59 877.94 Shares
MMKT: $1,248

Distributions reinvested since last report: $238.09 5.81 Shares@ 40.98
The withdrawal rate on the Wellington portfolio is now 5.03%

The Runningman portfolio had a slightly better 2nd Quarter than Wellington, but the market continues to close near record highs. As long as markets keep climbing there is little risk, interesting situations will develop with the next major market decline.
This is the first time I read your Running man series. I love these type of updates, I wish you continued success.
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Old 09-29-2017, 10:17 PM   #46
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Ok time for the 3rd Quarter 2017 Update:

For the real RunningMan portfolio I proposed as a 5% withdrawal portfolio with someone of very minor savings ($36,376):

Payments Began March 15, 2015 $150.00/mo
Current Distribution:-- 3/5/2017 $156.00/mo
Total Distributions:———————$4,387.00

Portfolio Value @ 09/30/17: $41,805.29
DNP : $28,034.16 --- 2,442 Shares
SDOG: $6,610.5 ----- 150 Shares
RVT : $ 6,631.80 ------- 420 Shares
MMKT : $528.83

Distributions received since last report:$649.28 Payments made 468.00
The withdrawal rate on the value of the portfolio is now 4.47%
---------------------------------------------------------------------
Wellington Portfolio for Comparison @ 9/30/17: $37,853.55

VWLEX $37073.55 883.12 Shares
MMKT: $780.00

Distributions reinvested since last report: $216.85 5.19 Shares@ 41.82
The withdrawal rate on the Wellington portfolio is now 4.95%
The Runningman portfolio had a better 3rd Quarter than Wellington, as RVT had a nice 8.2% increase after a 2% dividend in the quarter and the market continues to close near record highs. As long as markets keep climbing there is little risk, interesting situations will develop with the next major market decline. While the Running Man portfolio is performing to my highest hopes, nothing mean nothing until you have gone through a significant downturn and that has not happened.

Interesting to note that the DNP/SDOG/RVT have all risen together and over 2 1/2 years maintained a 66.5/16.5/16.5 ratio and no balancing among SDOG and RVT has occurred
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Old 10-10-2017, 07:51 AM   #47
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Some Tax Questions


I have followed your thread and I have invested in all 3 symbols because of it. Those investments are currently in our Traditional IRAs, but our Minimum Required Distributions will slowly start pushing those investments into standard brokerage accounts.

Can you take some time and let us know the breakdown of the “dividends” you generally receive? Are they normally Qualified Dividends, Return of Capital, Long or Short Term Capital Gains, etc.?

Also, how are each of these categories handled for tax purposes?

Do you generally automatically re-invest the dividends or take them as cash to reinvest?

What does all of this do to the cost basis of the investments?
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Old 10-10-2017, 08:06 PM   #48
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Surely you can’t be serious,

For DNP — it is considered a managed distribution fund and has 3 types of distributions:
1) Dividends (income) Capital Gains and Return of Capital. In 2016 of the total distributions of 78 cents 8 cents was a return of capital and is not taxable and instead reduces the tax basis of your investment, 36 cents was income and of that 81% or 29 cents is considered qualified dividend eligible for the lower dividend rate. The remainder is capital gains and whether or not in a given year it is given long term capital gains treatment or considered ordinary income is dependent on the amount of offsetting losses DNP takes within the fund and is spelled out annually in the 1099DIV statement. This was 34 cents in 2016, but all three areas of distribution vary from year to year depending on annual results as does the percentage of dividends eligible for qualified dividends.

I take all dividends to reinvest as cash. Reinvest them in DNP which results in new shares with their own basis. I track my basis in a spreadsheet so I know the tax basis of every share I own.

SDOG distributions generally are all qualified dividends.

RVT distributions are a combination of qualified dividends, short term capital gains, long term capital gains and return of capital in 2016 it was about 13 cents dividend 86 cents long term capital gain 2 cents short term capital gains with no return of capital. Again this will vary depending on results of the fund.

In general taxes are very individualized and you should determine for yourself the tax implications of these investments if they were held in a taxable account.
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Old 10-10-2017, 09:11 PM   #49
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Give me a forum ...
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Originally Posted by running_man View Post
Surely Shirley you can’t be serious, ....
Fixed it for you.
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Old 10-11-2017, 07:17 AM   #50
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If I make it to 70, and medical science hasn’t made any extraordinary leaps in the next couple of decades, I’d be very comfortable with a 10% wr. And it would have to something revolutionary we haven’t seen since penicillin. Most men in my family, both sides, pass in their 60s or early 70s. If I make it to 80, pop the champagne and go to 20%.
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Old 10-11-2017, 07:32 AM   #51
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If I make it to 70, and medical science hasn’t made any extraordinary leaps in the next couple of decades, I’d be very comfortable with a 10% wr. And it would have to something revolutionary we haven’t seen since penicillin. Most men in my family, both sides, pass in their 60s or early 70s. If I make it to 80, pop the champagne and go to 20%.
Careful. "Past performance is no guarantee of future results."

And FWIW, if you go to 10% at 70 and make it to 80, FIRECalc says on average your portfolio will be down by more than 60% - so you will almost certainly need a WD rate of 20% or more to make ends meet.
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