Welcome to our 2025 dividend portfolio wrap up blog!

In our last update we talked about making some changes to start eliminating positions that no longer fit our portfolio. A few of our positions are no longer growing dividends or have even cut their dividend. These are the positions we are looking to exit so we can reallocate those funds to more productive investments.

Since that update we exited ABR. REITs have been going through a rough patch and ABR cut their dividend as a result. While I expect REITs to bounce back with lower interest rates this is a company I have lost faith in. We have other REITs that are better run so we will stick with those and cut our losses here.

There are currently two positions we are looking to exit in the near to mid term. Both are long term holdings that show no signs of restarting dividend growth. Since we are in the green with both we need to determine our exit price and pull the trigger.

We also have two other positions we would like to exit that are more of a problem. They have no dividend growth and we are in the hole overall. For these we need to decide if we are going to take the loss or hold out a little longer to see if they rebound. I probably should have sold before year end, but I admittedly tend to overthink these things to my own detriment.

Our Dividend Portfolio As Of 12/31/2025:

After exiting ABR we used the proceeds to add to our positions in JEPQ and SCHD. Additionally, we swapped out QYLD for QQQI to try and minimize NAV decay which was more prevalent in QYLD. And to the dismay of many I’m sure, we started a position in PayPal (PYPL). They announced a great quarter of earnings, new dividend payments and an AI deal with Open AI. With their earnings results, share buyback program and dividend payments it was an easy decision.

I know, PayPal’s stock is PainPal for the shareholders. The stock has been dead money for years. Welcome to being a bag holder. Yadda Yadda Yadda……

I think the stock is oversold and very cheap value play that is worth the risk. We will see.

In 2025 we received $1,181.40 in dividend payments! We blew right through our $1k goal and nearly hit $1,200. In total our dividend payments increased by 29.55% when compared to 2024. Very happy with these results!

Aside from DOW all of the negative YOY changes are positions we exited in 2024 or 2025. DOW is obviously a disaster and a major disappointment. Obviously it is one of the positions we are deciding when to exit. The company could benefit from lower interest rates, but the dividend cut is a deal breaker.

Our portfolio overall had a pretty good year. Including contributions our portfolio ended the year 20.24% higher than our 2024 total. A lot of this is thanks to the few tech related stocks we own. Like the rest of the market the majority of our holdings lagged tech, but still had a decent year.

As of the end of 2025 our divided portfolio will provide projected annual dividend income (PADI) of $1,287.67. That equates to an average of $107.31 per month which is an increase of 22.14% from the end of 2024. That is a very nice increase!

Looking forward I think a goal of reaching $1,500 in PADI by the end of 2026 is doable, but I want a little more. $1,600 is a goal I have in mind and realistic for an upper level goal, so I’m going with that. Anything more would be amazing.

As we head into the new year we will continue focusing on building our core ETF positions. If opportunities arise to add to individual holdings or start new positions we will take advantage of it. However, my main focus is unwinding positions that no longer fit and growing our core funds.

Thank you for reading our blog. We hope everyone had a great holiday season and wish everyone a happy and prosperous new year!

Happy Investing!

Joe 

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