Merry Christmas

Dear all,

We would like to wish all of you a Merry Christmas, hoping that this day will be full of happiness, joy and fun.

In 7 days, retiredat50, will celebrate it’s first anniversary, one year in the blogging world, I must say that is a great experience but challenging at the same time to find the time, to blog on subject that would interest you. Since I move job (October) that time even reduced further.

The next 4-5 months will be the fun months for dividend paycheck, as you know in Switzerland companies paid in one time and not every quarter.

I will prepare the post for our dividend simulation to give you an overview of what’s coming, but I am already expecting a lower dividend income as most of the companies will this year distribute regular dividend (taxable @ 35%) and not cash distribution.

Again, we wish you a great Festive Season and enjoy your families and friends.

Cheers, RA50 Family



Christmas present before the 25th

Dear Friends,

We are quickly approaching some key dates in the year: Xmas, one year of and New Year. But on Friday 19th of Dec, we received our first Xmas gift, the confirmation of the potential good news that we mentioned to you some time ago (Potential very good news).

Yes, the tax dept. is reimbursing the extra tax money, we paid in 2014, and the 2nd good news is that it is not 11’000 CHF as expected but 15’000 CHF.

This is really great news and this money will go directly into our broker account, to increase our cash position, for future stock purchases. I already have some ideas, but I will need to see how the market will behave in the couple of weeks. As you know, I love to make stock shopping during the ex-dates, to benefit of discounted prices. But if the market is down prior, I will then.

In the coming days several post will come live, the 1st year of retiredat50 and the year review.

Looking forward to read the blogs, I follow to see how the year went and the goals for 2016.

Wish you all a Merry Christmas with your families, friend and loved ones, that Happiness, Joy, Love be with you.

Warm regards, Mr. and Ms. Retiredat50

Portfolio adjustment

Dear FI seeker,

We would like to report some changes in our portfolio:

  1.  Sold our position in TransOcean (RIGN.VX), that was  not because the stock went up and we would have made capital gain, but RIGN will be delisted from the Swiss exchange and it’s performance is very low, not given dividend for the minimum next 2 quarters. Therefore we are not making money out of it. Ok, in this operation, we lost 61k compared to our buying price. I know a lot of people will scream out, but sometimes you need to take hard decision. This loss, is half compensated  by this year capital gain we made at the beginning of the year, so our net loss is 31k.
  2. Bought Novartis (NOVN.VX) Shares, Novartis is the largest pharmaceutical company by sales and have promising drug pipeline and very good dividend distribution.
    1. We bought 570 shares at 90.74CHF, it will add around 960CHF of net dividend next year.
  3. Bought LafargeHolcim N (LHN.VX) shares to average down our previous position and considering the next year dividend increase that will be proposed to shareholder (from 1.3CHF to 1.5CHF, 15% increase).
    1. We bought 1075 shares at 54.85CHF, which will average  down our buying price to 57.7CHF versus 62.5CHF previously. It will add around 1560CHF to our dividend distribution next year.

So, December, is not financially positive, but we are fully confident that the actions we took this month will pay in the future.

I will update our portfolio page very soon.

What about you, how December look like?

Cheers, RA50