$50 Per Paycheck Dividend Portfolio Update 3/20/20

It is crazy how much the world has changed since the last update not too long ago. Three years of stock market gains have been erased, the world's economy has ground to a halt, and millions of people are in some kind of quarantine/shelter in place situation, and millions more will be soon.

How's that for not knowing what the future will bring?

Is now a good time to invest? Who knows. But if you still have a job and some of the money can be spared, now is certainly a better time to invest than it was a month ago. The world has fundamentally changed and the future is murkier than ever. But, the best time to be greedy is when others are fearful. There is a lot of fear right now, so the portfolio buying continues.

As I've given up on M1, I am buying a mutual fund that tracks the S&P 500 in a new account with Schwab. Once Schwab implements fractional share purchases, I will sell the mutual fund and buy individual stock positions. At some point I will also transfer the positions held with M1.

Schwab doesn't have automatic transfers for every two weeks on a specific day, so I signed up for twice a month on particular days of the month. Automatic investments have to be $100 or more, so I will be buying the mutual fund manually.

Date	Additional Investment	Running Total Investment	Dividend Portfolio Account Value	Additional Benchmark VOO Shares	Running Total Benchmark VOO Shares	VOO Closing Share Price	Benchmark VOO Value	Dividend Portfolio VS Benchmark	Comment
6/24/19	$200.00	$200.00	$200.00	0.737844	0.737844	$271.06	$200.00	0.000%
7/2/19	$0.00	$200.00	$200.00	0.003756	0.741600	$272.23	$201.89	-0.934%	$1.0226 dividend received and reinvested into VOO
7/3/19	$50.00	$250.00	$252.22	0.182269	0.923869	$274.32	$253.44	-0.480%
7/18/19	$50.00	$300.00	$299.10	0.182202	1.106071	$274.42	$303.53	-1.459%
8/2/19	$50.00	$350.00	$343.48	0.186005	1.292076	$268.81	$347.32	-1.106%
8/16/19	$50.00	$400.00	$385.57	0.188523	1.480599	$265.22	$392.68	-1.812%
8/30/19	$0.00	$400.00	$389.89	0.000000	1.480599	$268.60	$397.69	-1.961%	Forgot to transfer $50
9/3/19	$50.00	$450.00	$439.89	0.187189	1.667788	$267.11	$445.48	-1.255%
9/12/19	$50.00	$500.00	$514.39	0.180734	1.848522	$276.65	$511.39	0.586%
9/27/19	$50.00	$550.00	$563.02	0.180989	2.029511	$276.26	$560.67	0.419%
10/1/19	$0.00	$550.00	$548.87	0.009807	2.039318	$269.32	$549.23	-0.065%	$2.6412 dividend received and reinvested into VOO
10/10/19	$50.00	$600.00	$610.45	0.185653	2.224970	$272.13	$605.48	0.821%
10/25/19	$50.00	$650.00	$677.15	0.181232	2.406202	$277.04	$666.61	1.580%
11/17/19	$50.00	$700.00	$730.52	0.176610	2.582812	$286.43	$739.79	-1.254%
11/22/19	$50.00	$750.00	$776.35	0.175039	2.757851	$285.65	$787.78	-1.451%
12/6/19	$50.00	$800.00	$833.60	0.174435	2.932286	$289.19	$847.99	-1.697%
12/20/19	$50.00	$850.00	$906.81	0.169607	3.101893	$296.30	$919.09	-1.336%
12/27/19	$0.00	$850.00	$906.81	0.014936	3.116829	$296.67	$924.67	-1.931%	$4.43 dividend received and reinvested into VOO
1/3/20	$50.00	$900.00	$952.86	0.167549	3.269442	$296.24	$968.54	-1.619%
1/24/20	$0.00	$900.00	$950.35	0.000000	3.269442	$302.03	$987.47	-3.759%	Automatic transfer didn't happen for some reason
3//1/20	$0.00	$900.00	$874.13	0.000000	3.269442	$271.74	$888.44	-1.610%	Automatic transfers didn't work. Transferring account to Schwab
3/6/20	$150.00	$1,050.00	$920.11	0.183884	3.453326	$271.91	$938.99	-2.011%	Schwab account opened, $150 for missed weeks deposited
3/13/20	$0.00	$1,050.00	$837.98	0.016427	3.469753	$247.64	$859.25	-2.475%	$4.07 VOO dividend received and reinvested
3/14/20	$50.00	$1,100.00	$789.61	0.228760	3.698513	$218.57	$808.38	-2.322%	All new deposits go into Schwab account
3/20/20	$0.00	$1,100.00	$825.07	0.000000	3.698513	$210.74	$779.42	5.856%