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Salkkutilanne

Salkkuni on aktiivinen osinkosalkku, joka tarkoittaa, että salkussa tapahtuu painotusten muutoksia ja siihen lisätään uusia yhtiöitä sekä toisinaan vanhoja yhtiöitä myydään kokonaan pois. Salkun tämän hetkinen yhtiömäärä on 46 yhtiötä – salkun tavoitemäärä on 50 yhtiötä, joka saavutetaan ajan kuluessa. Salkun riskiä ei lasketa markkinariskiä vastaan vaan osingon lasku riskinä. Tuottoihin ei lasketa mukaan myyntitulen kautta saatuja tuottoja vaan ainoastaan osinkotuoton kautta saadut tuotot, joten tuotto laskelma ainakin toistaiseksi on hieman pienempi kuin ehkä varsinainen kokonaistuottolaskelma olisi.

Tuottotavoite.

Salkun tuottotavoite on vähintään 5% vuosituotto verojen jälkeen.

Strategia.

Päästrategiana salkussani on ostaa 6-12% osinkotuottoa omaavien yhtiöiden osakkeita, jotka voivat olla tavallisia osakeita, CEF-osakkeita tai etuoikeutettuja osakkeita. Uudelleen sijoitus tapahtuu pääsääntöisesti EFT rahastoihin. ETF-rahastot, joiden distributiotuotto ylittää 5% ovat myös tervetulleita salkkuuni siinä tapauksessa, että Saksan pörssistä ei löydy papereita, joiden tuotto verojen jälkeen ylittäisi 4%. Saksa lätkäisee osinkotuottoon 22% lähdeveron, joten Saksan vain korkeimman osinkotuoton yhtiöt ovat saksan pörssissä kiinnostavia tai pitkän aikajänteen arvoatuottavat. Arvon tuoton kerääminen ei ole salkun päätarkoitus, joten Saksan pörssi ei ole ensisijainen sijoituskohde. Suomen pörssi taas on melko pieni ja hyvin sisälle lämpiävä markkinapaikka, jota ohjataan hyvin poliittisesti ideologisilla ja varsin typerillä säännöillä, joka tekee Suomen pörssiin sijoittamisen hyvin mielenkiinnottamaksi. Tässä salkussa en omista ensimmäistäkään Suomalaista tai pohjoismaista osaketta.

Minulla on sivustragia, jolla lisään hieman päästrategiani tulosta. Teen viikkomyyntiä, jossa ostan suhteellisen pienellä panonksella sillä hetkellä nousujohteisen yhtiön osakeita ja myyn ne pois pienen muutaman prosentin voiton saavutettuani. Keskityn pohjois-Amerikan markkinoihin, jossa välityskustannukset ovat minulle kaikkein matalimmat. Tämä strategia ei ole päästrategia, vaan sen avulla pyrin lisämään hieman joukkovelkakirjoihin sijoittavien ETF-paperien vuosittaista korkotuottoa.

Salkun sisältö
Tunnus Nimi ISIN Pörssi Osuus Osoite
ABA AUSWIDE BANK LTD AU000000ABA1 ASX 1.330645 https://www.auswidebank.com.au/
ADA ADACEL TECHNOLOGIES LIMITED AU000000ADA7 ASX 0.544762 https://www.adacel.com/
BKW BRICKWORKS LIMITED AU000000BKW4 ASX 1.197889 https://www.brickworks.com.au/
CBA COMMONWEALTH BANK OF AUSTRAL AU000000CBA7 ASX 1.615346 https://www.commbank.com.au
CCL COCA-COLA AMATIL LIMITED AU000000CCL2 ASX 0.375931 https://www.ccamatil.com
HIT HITECH GROUP AUSTRALIA LIMITED AU000000HIT1 ASX 2.2444 http://hitechaust.com/
HVN HARVEY NORMAN HOLDINGS LIMITED AU000000ADA7 ASX 1.744952 https://www.harveynormanholdings.com.au
MNY MONEY3 CORP LTD AU000000ADA7 ASX 1.132573 https://www.money3.com.au/
PNC PIONEER CREDIT LTD AU000000PNC0 ASX 0.165716 https://pioneercredit.com.au/
S32 SOUTH32 LTD AU000000S320 ASX 1.911022 https://www.south32.net
SSG SHAVER SHOP GROUP LTD AU000000SSG4 ASX 1.118518 https://www.shavershop.com.au/
        13.381754  
           
ADN ACADIAN TIMBER CORP CA0042721005 TSE 1.133953 https://www.acadiantimber.com/
BK CANADIAN BANC CORP CA13536V1076 TSE 1.011676 https://www.quadravest.com/canadian-banc-home
BMO.PR.F BANK OF MONTREAL CA06368B1085 TSE 1.340452 https://www.bmo.com/main/personal
BRE BRIDGEMARQ REAL ESTATE SERVI CA10808B1085 TSE 2.015988 https://www.bridgemarq.com/
CJR.B CORUS ENTERTAINMENT INC-B SH CA2208741017 TSE 5.35455 https://www.corusent.com/
DGS DIVIDEND GROWTH SPLIT CORP-A CA25537Y1043 TSE 0.849253 https://www.bromptongroup.com/product/dividend-growth-split-corp/
DR MEDICAL FACILITIES CORP CA58457V5036 TSE 4.769819 https://www.medicalfacilitiescorp.ca/
PRV.UN PRO REAL ESTATE INVESTMENT T CA7426943006 TSE 3.055843 https://proreit.com/en
RUS RUSSEL METALS INC CA7819036046 TSE 1.148822 https://www.russelmetals.com/en/
SOT.UN SLATE OFFICE REIT CA8310211005 TSE 2.872887 https://www.slateofficereit.com/
        23.553243  
           
ETG ENVITEC BIOGAS AG DE000A0MVLS8 FWB 1.278251 https://www.envitec-biogas.com/
EXH9 ISHARES EUR 600 UTILITIES DE DE000A0Q4R02 FWB 4.569233 https://www.ishares.com/uk/individual/en/products/251967/ishares-stoxx-europe-600-utilities-ucits-etf-de-fund
MUX MUTARES SE & CO KGAA DE000A2NB650 FWB 3.344828 https://mutares.de/
MWB MWB FAIRTRADE WERTPAPIERHAND DE0006656101 FWB 0.531345 https://www.mwbfairtrade.com/home/
PBB DEUTSCHE PFANDBRIEFBANK AG DE0008019001 FWB 1.820924 https://www.pfandbriefbank.com/
TUI1 TUI AG-DI DE000TUAG000 FWB 1.280729 https://www.tuigroup.com/en-en
IS0R ISHARES USD HY CORP USD DIST IE00B4PY7Y77 FWB2 4.93603 https://www.ishares.com/uk/individual/en/products/251833/
MLPI ISHARES USD SHORT DUR HY CRP IE00BCRY6003 BVME.ETF 0.925118 https://www.ishares.com/uk/individual/en/products/258128/ishares-short-duration-high-yield-corporate-bond-ucits-etf
SDHY Bloomberg Barclays EM Inflation Linked Local Bond IE00B99FL386 AEB 2.222415 https:// www.ssga.com/no/en_gb/intermediary/etfs/funds/spdr-bloomberg-barclays-em-inflation-linked-local-bond-ucits-etf-dist-sybi-gy
SYBI SPDR BBG 0-5 US HIGH YIELD IE00B99FL386 FWB2 3.894652 https://www.ssga.com/no/en_gb/intermediary/etfs/funds/spdr-bloomberg-barclays-0-5-year-us-high-yield-bond-ucits-etf-dist-sybk-gy
SYBK INVESCO AT1 CAP BOND EUR HDG IE00BFZPF439 FWB2 3.375875 https://etf.invesco.com/fi/institutional/en/product/invesco-at1-capital-bond-ucits-etf-eur-hdg-dist/security-information
XAT1 L&G US ENERGY INFRASTR MLP DE000A1XE2Q3 EBS 2.349791 https://fundcentres.lgim.com/fund-centre/ETF/US-Energy-Infrastructure-MLP
BESI BE SEMICONDUCTOR INDUSTRIES NL0012866412 FWB 3.975262 https://www.besi.com/
INGA ING GROEP NV NL0011821202 FWB 5.661518 https://www.ing.com/Home.htm
        40.165971  
           
ARI APOLLO COMMERCIAL REAL ESTAT US03762U1051 AMEX 2.031565 https://www.apolloreit.com/
CHW CALAMOS GLOBAL DYNAMIC INCOM US12811L1070 AMEX 1.303669 https://www.calamos.com/funds/closed-end/global-dynamic-income-chw/
CSCO CISCO SYSTEMS INC US17275R1023 AMEX 1.626392 https://www.cisco.com/
GNL GLOBAL NET LEASE INC US3793782018 AMEX 1.632906 http://globalnetlease.com/
GOF GUGGENHEIM STRATEGIC OPPORTU US40167F1012 AMEX 1.530205 https://www.guggenheiminvestments.com/cef/fund/gof
HEQ JOHN HANCOCK HEDGED EQUITY & US47804L1026 AMEX 1.297085 https://www.jhinvestments.com/investments/closed-end-fund/international-equity-funds/hedged-equity-income-fund-ce-heq.html
KO COCA-COLA CO/THE US1912161007 AMEX 1.925926 https://www.coca-colacompany.com/
NCZ ALLIANZGI CONV & INCOME II US0188251096 AMEX 1.362436 https://us.allianzgi.com/en-us/our-experts/team-detail-pages/convertible-income-fund-ii
NMFC NEW MOUNTAIN FINANCE CORP US6475511001 AMEX 0.988523 http://www.newmountainfinance.com/
NRZ NEW RESIDENTIAL INVESTMENT US64828T2015 AMEX 1.224759 https://www.newresi.com/
SACH SACHEM CAPITAL CORP US78590A1097 AMEX 0.818701 https://www.sachemcapitalcorp.com/
SO SOUTHERN CO/THE US8425871071 AMEX 2.569069 https://www.southerncompany.com/
THW TEKLA WORLD HEALTHCARE FUND US87911L1089 AMEX 3.296363 https://www.teklacap.com/funds/thw/info/fund-information/
        21.607599  

Salkkuni pyrkii olevan ns. deffensiivinen salkku, eli pitämään arvoaa suhteelisen vakiona ja kerämään kuukautista osinkotuottoa, joka myöhemmin tulee suoraan käyttövarannoksi, kun salkku on saavuttanut tietyn koon. Alla oleva indeksi kuvaa salkkuni tilannetta kuukausisekvensillä.

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Salkun tavoitteena arvojakauma on tarkoitus pitää mahdollisimman tasaisena ja symmetrisenä. Tällä hetkellä on pientä kallistumariskiä ja pientä huippuriskiä. Kallistumisriski tarkoittaa kallistuman puolella syntyvää epäselvyyttä salkun kehityksen suhteen ja huippuriski tarkoittaa arvon muutosten kasvamista pienistä indeksin muutos tapahtumista - eli muutoksien vaikutus monikertaistuu huipun korkeuden kasvaessa.

LogNormaali 000.010.010.020.020.030.030.040.0468697071727374757677787980818283848586878889909192939495969798991001011021031041051061071081091101111121131141151161171181191201211221231241251261271281291301311321333.00657286e-0517.10757575757576503.96362354110283685.704403703e-0526.50734265734266503.827446662611690.000104237667835.907109557109564503.5892300470342700.000183717995745.30687645687646503.18804170038817710.000312749354754.70664335664336502.5367374223556720.000514913632164.10641025641026501.5162842572484730.000820943619673.50617715617716499.97155403302736740.00126898019182.90594405594406497.7100252222472750.00190395169492.30571095571095494.5049155559434760.002775814423101.70547785547784490.10406347215144770.003936501125111.10524475524475484.24533098328243780.005435596826120.50501165501164476.6784305752627790.007314978204129.90477855477855467.1919837075246800.009602879613139.30454545454543455.6434734320958810.01230804168148.70431235431235441.9887801556845820.01541471337158.1040792540792426.3074095623763830.01887928151167.50384615384615408.81950529240373840.0226291791176.90361305361304389.8913597874998850.02656448339186.30337995337993370.0273473331128860.03056229151195.70314685314685349.847837877199870.03448360334205.10291375291376330.0544543548665880.03818210892214.50268065268065311.38571738781144890.04151402238223.90244755244754294.5674066427689900.04434796849233.30221445221449280.2626574653849910.04657392719242.70198135198135269.0268118733966920.04811037313252.10174825174826261.27138078911025930.04890898324261.5015151515152257.24028179679306940.04895658601270.9012820512821257.0950.04827434359280.301048951049260.443716405597960.04691444796289.70081585081596267.3079844947715970.04495483935299.1005827505828277.19938979909915980.04249259746308.50034965034973289.6279086361711990.03963670723317.9001165501166304.043423935721361000.03650086783327.2998834498835319.8720227276391010.03319691383336.6996503496504336.54920410732721020.02982927344346.0994172494173353.54785160635871030.02649072645355.4991841491842370.399646080366671040.02325956384364.89895104895106386.70940245266441050.02019811215374.29871794871804402.162518611959461060.01735247674383.6984848484849416.526271230401051070.0147532865393.0982517482518429.64605646262111080.01241718654402.49801864801873441.43785586874571090.01034882004411.8977855477856451.87823222541971100.008543060709421.2975524475525460.993061247174861110.006987292635430.6973193473194468.84602358389951120.005663579475440.0970862470863475.52765548018981130.004550611792449.4968531468532481.145519373285651140.003625365464458.89662004662017485.81583282772251150.002864442132468.29638694638703489.6567024048911160.002245092735477.6961538461539492.78295725564441170.001745946834487.0959207459208495.30246773369211180.00134748427496.4956876456877497.31376463584321190.001032292719505.8954545454546498.90473916107641200.0007851563948515.2952214452215500.15219517950381210.0005930189568524.6949883449885501.122036436186251220.00044485902534.0947552447553501.86989495226021230.0003315106171543.4945221445222502.44203726146661240.0002454545368552.894289044289502.87641766101251250.0001806002248562.2940559440559503.203779095968461260.0001320723403571.693822843823503.44873054813731279.601131376e-05581.0935897435899503.630753748276561286.939343618e-05590.4933566433567503.765111300415871294.98730909e-05599.8931235431237503.86364304099211303.564762539e-05609.2928904428906503.93544811701091312.534393191e-05618.6926573426574503.987457486656241321.792492183e-05628.0924242424243504.0249060033515133LogNormaalihajonta

Salkun realistoituneessa rahassa mitattavan tuotton kehitykseen on olen kohtalaisen tyytyväinen. Pitkän aikaväli tuottoennusta on tällä hetkellä noin 7%, josta vielä vähenee verojen vaikutukset. Tuoton kasvu lasketaan vertaamalla kuukauden tulosta ensimmäisen taulukon kuukauden osingomäärään eli vuoden 2018 tammikuuhun, jolloin muutin salkkuni pääpainoin osingotuoton etsintään. Eli kaaviot kuvaavat nimenomaan rahaksi muuttunnutta tuottoa eikä salkun arvon kehitystä millään tavalla.

Tuoton kasvu% 0010010020020030030040040001…01.1802…02.201803…03.201804…04.201805…05.201806…06.201807…07.201808…08.201809…09.201810…10.201811…11.201812…12.20181.…1.20192.…2.20193.…3.20194.…4.20195,…5,20196.…6.20197.…7.20198.…8.20199.…9.201910…10.201911…11.201912…12.20191.…1.20202.…2.20203.…3.20204.…4.2020021.869780219780218489.4054756829769401.1862.1942.50164835164835459.431385364941802.2018-15.2663.13351648351647496.760430149180803.2018147.8683.7653846153846418.1404974802967404.201898.59104.39725274725274441.8874572804188605.2018153.61125.02912087912087415.369135214197606.2018285.37145.660989010989351.863971356594907.2018140.84166.29285714285714421.52396932516908.2018200.1186.92472527472523392.9620688227286709.2018107.25207.55659340659338437.713544719650510.201857.71228.18846153846152461.5906380522676511.201881.02248.8203296703296450.3557764135250612.201870.34269.4521978021978455.50328058777521.2019132.24290.0840659340659425.66896332316072.2019170.32310.71593406593405407.31531548089063.2019184.035331.3478021978022400.70501400618644.2019497.453351.9796703296703249.645045533796125,2019241.18372.6115384615384373.162492841624276.2019276.77393.2434065934066356.00896535458667.2019233.01413.8752747252747377.100237139716348.2019172.83434.5071428571428406.105555604732569.2019261455.13901098901096363.609727604392310.201977475.7708791208791452.293320119563111.2019210496.4027472527472388.1905059645754412.2019170517.0346153846152407.469547815699571.2020236.32537.6664835164835375.50489642653582.2020183.66558.2983516483516400.88575502354073.2020411.13578.9302197802197291.250663776660764.2020Tuoton kasvu%Osingon kasvu Yield 1 kk 000.10.10.20.20.30.30.40.40.50.50.60.60.70.70.80.80.90.9111.11.11.21.201…01.1802…02.201803…03.201804…04.201805…05.201806…06.201807…07.201808…08.201809…09.201810…10.201811…11.201812…12.20181.…1.20192.…2.20193.…3.20194.…4.20195,…5,20196.…6.20197.…7.20198.…8.20199.…9.201910…10.201911…11.201912…12.20191.…1.20202.…2.20203.…3.20204.…4.20200.43821.25824175824176418.2133699633701.180.6941.31318681318682368.79029304029302.20180.3561.36813186813187435.4722222222222303.20180.8981.42307692307692329.565628815628804.20180.67101.47802197802197372.7127594627594405.20180.82121.53296703296702343.2942612942613306.20181.14141.58791208791206280.5347985347985407.20180.69161.64285714285714368.79029304029308.20180.82181.6978021978022343.2942612942613309.20180.57201.75274725274727392.325091575091610.20180.42221.80769230769232421.743589743589811.20180.52241.86263736263734402.1312576312576512.20180.42261.91758241758237421.74358974358981.20190.54281.9725274725275398.208791208791242.20190.59302.0274725274725388.40262515262523.20190.56322.0824175824176394.28632478632484.20191.26342.1373626373626257.05,20190.68362.1923076923077370.751526251526236.20190.71382.24725274725273364.86782661782667.20190.68402.30219780219784370.751526251526238.20190.49422.3571428571429408.01495726495739.20190.63442.4120879120879380.557692307692310.20190.3462.46703296703294445.278388278388311.20190.5482.52197802197804406.0537240537240712.20190.42502.576923076923421.74358974358981.20200.56522.6318681318681394.28632478632482.20200.61542.6868131868131384.480158730158733.20200.92562.7417582417582323.681929181929154.2020Yield 1 kkDividend Yield…Dividend Yield 1 kk