Description

We’re reporting what our conservative, retirement-style portfolio actually paid in dividends this quarter, how it compares to last quarter, and the pivots we made to keep income on track—without sacrificing principal.

What’s inside:

• Quarter vs. Quarter: Q2 dividends vs Q3 dividends (with timing fixes).
  • Headline: Q2 $4,346 → Q3 $3,952, but adjusted for timing/cuts Q3 would’ve been $4,414.
• Discrepancies explained: Suspensions (QVCGP), cuts (OGN), and weekly/monthly timing shifts that made the raw numbers look worse than the true run-rate.
• Income-first pivots: DRIP off on overvalued cash cows to recoup basis, DRIP on where yields + valuation make sense. Reallocated into defensive dividend growers and select REIT/BDC names with coverage + margin.
• Capital preservation lens: Trimmed risk, avoided chasing yield, and kept position sizes tight to protect principal.
• Playbook for Q4: Cash buffer ready, buy-zones set, and a watchlist for quality dividend growers to scale on dips.

Why watch: 

If you manage a retirement or “sleep-at-night” account, this is the blueprint: stable cash flow now, principal intact later. Next week we cover the high-yield Van Life portfolio and how it complements this one.

>> Q3 Monthly Dividends Spreadsheet <<

*sum missed a line, so totals are different than in podcast. 

>> Portfolio Overvalued and Undervalued Buy Up To Spreadsheet <<

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.