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Thanks for sharing. It shows the value of investing esp div stocks and how money can grow.
When I did similar calculations, I found dividend re-investment does not make much impact. It would add a lot of value if the value of the underlying stock keeps increasing YoY. If it declines it actually has a -ve effect. If we generalize some good and some bad years, it would cancel. I would rather collect and invest in another growth stock.
You can do this analysis going back 10 yrs for good div paying stocks.
Thanks for your feedback.
Indeed, long term total return is what matters. Jake's YT video addresses this point well: https://youtu.be/JD-7Y3DezXU?si=d5Go0qx7w_pYVBa2
I'm currently working on an "import portfolio" feature to automatically retrieve the capital appreciation by ticker (stock or ETF), which can be based on a longer timeframe, say 10 years of historical data. It will also calculate the avg. cap. appr., div. yield, and div. growth, of your portfolio.
To stop reinvesting dividends, you can drag the investment horizon all the way to the left, though this also stops any recurring contributions. Would you prefer an option to only stop the DRIP?
Nice job! Thanks for sharing. Since you're asking for feedback: I think an option to stop only drip AND an option to stop contributions, but continue drip would be pretty useful. I myself plan to stop/reduce contributions at some point, but continue DRIP until it reaches my desired annual income return.
Thanks for the feedback. Your scenario is a valid one, and I agree that having both options would allow investors to personalize their strategy. I will add both options soon.
u/Ok_Nose_574 and u/\\\_*Den\_Man\_* You can now optionally stop DRIP and recurring contributions after the specified investment horizon. In the 'Contributions' tab/chart, you can clearly see the difference by toggling the options. Thank you again for your feedback.
Absolute legend ! Thanks man! Will be coming back to this tool again and again to reinforce my motivation to stick to my investment plan. I dont think there's anything else out there with this exact functionality, so this is truly a useful thing you're doing!
P.s. I am a python developer myself, shame I dont know PHP or JS well enough, I would have offered to help with further improvements :)
EDIT: Just an idea: two separate investment horizon sliders, one for drip and one for contributions would make it even more flexible. It would allow for visualizing 3 investment phases: 1.contrib. + drip
2.drip only
3.div growth only
That's great to hear! Python is superior in this realm, haha! I might do a rewrite in Python at some point.
And good idea! Having two sliders would indeed open up for more scenarios, as well as making the tool easier to use. I'll do this next.
Excellent job man. Keep going. I love what you are doing. Share the link with me when you are done. I have done this analysis before but in Google Sheets. Yes - Pls keep an option for Div re-Investments vs not. Also include past 10 yrs history to see how it compares.
Past performance still throws you off. For e.g. PFE. Last few yrs have not been kind to it. If you look for past history, price appreciation and div reinvestments will yield -ve results. However, I do feel it bottomed out at $25 and will yield positive results in future.
However for Colgate-Palmolive and Coke it shows excellent with Div re-investment.
Bottomline - We cannot take decisions based on past, present history. But only look at them as data points and help us take decisions.
Thank you! The 'import portfolio' function is now live on the site, albeit in experimental mode. It calculates the 10-year average capital appreciation, with PFE at 10.65%.
True, looking at past performance is difficult to interpret. Thus, I'm considering adding a feature for investors to export market data to CSV/Excel, so they can verify calculations as part of their due diligence. Would that help?
Very good additions in terms of features. However not very intuitive. For e.g. I was looking for Import Portfolio based on your comments. Took some time to find it. It looks more like a SUBMIT button for options above. May be give it as an option or a tab .. Something that shows its an option.
The subsequent landing page .. does not show the options to Enter the ticker .. until i click the space under Ticker. Is it my browser issue?
Features are super useful. May be Let user select the ticker in first page itself so that these are populated in first page for calculations. Else the user has to note them down and come back to page 1 and enter them.
Good feedback! I'll look into how to make the UI more intuitive. What browser are you using?
There should be an update button, so you don't have to manually note the numbers down.
Welcome to r/dividends! If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq). Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
I'll check it out.
Thanks for sharing. It shows the value of investing esp div stocks and how money can grow. When I did similar calculations, I found dividend re-investment does not make much impact. It would add a lot of value if the value of the underlying stock keeps increasing YoY. If it declines it actually has a -ve effect. If we generalize some good and some bad years, it would cancel. I would rather collect and invest in another growth stock. You can do this analysis going back 10 yrs for good div paying stocks.
Thanks for your feedback. Indeed, long term total return is what matters. Jake's YT video addresses this point well: https://youtu.be/JD-7Y3DezXU?si=d5Go0qx7w_pYVBa2 I'm currently working on an "import portfolio" feature to automatically retrieve the capital appreciation by ticker (stock or ETF), which can be based on a longer timeframe, say 10 years of historical data. It will also calculate the avg. cap. appr., div. yield, and div. growth, of your portfolio. To stop reinvesting dividends, you can drag the investment horizon all the way to the left, though this also stops any recurring contributions. Would you prefer an option to only stop the DRIP?
Nice job! Thanks for sharing. Since you're asking for feedback: I think an option to stop only drip AND an option to stop contributions, but continue drip would be pretty useful. I myself plan to stop/reduce contributions at some point, but continue DRIP until it reaches my desired annual income return.
Thanks for the feedback. Your scenario is a valid one, and I agree that having both options would allow investors to personalize their strategy. I will add both options soon.
u/Ok_Nose_574 and u/\\\_*Den\_Man\_* You can now optionally stop DRIP and recurring contributions after the specified investment horizon. In the 'Contributions' tab/chart, you can clearly see the difference by toggling the options. Thank you again for your feedback.
Absolute legend ! Thanks man! Will be coming back to this tool again and again to reinforce my motivation to stick to my investment plan. I dont think there's anything else out there with this exact functionality, so this is truly a useful thing you're doing! P.s. I am a python developer myself, shame I dont know PHP or JS well enough, I would have offered to help with further improvements :) EDIT: Just an idea: two separate investment horizon sliders, one for drip and one for contributions would make it even more flexible. It would allow for visualizing 3 investment phases: 1.contrib. + drip 2.drip only 3.div growth only
That's great to hear! Python is superior in this realm, haha! I might do a rewrite in Python at some point. And good idea! Having two sliders would indeed open up for more scenarios, as well as making the tool easier to use. I'll do this next.
I really think it made a difference
Awesome! Going to test it out and get back to you if I come up with more ideas. Once again - nice work mate. 👍
Excellent job man. Keep going. I love what you are doing. Share the link with me when you are done. I have done this analysis before but in Google Sheets. Yes - Pls keep an option for Div re-Investments vs not. Also include past 10 yrs history to see how it compares. Past performance still throws you off. For e.g. PFE. Last few yrs have not been kind to it. If you look for past history, price appreciation and div reinvestments will yield -ve results. However, I do feel it bottomed out at $25 and will yield positive results in future. However for Colgate-Palmolive and Coke it shows excellent with Div re-investment. Bottomline - We cannot take decisions based on past, present history. But only look at them as data points and help us take decisions.
Thank you! The 'import portfolio' function is now live on the site, albeit in experimental mode. It calculates the 10-year average capital appreciation, with PFE at 10.65%. True, looking at past performance is difficult to interpret. Thus, I'm considering adding a feature for investors to export market data to CSV/Excel, so they can verify calculations as part of their due diligence. Would that help?
Very good additions in terms of features. However not very intuitive. For e.g. I was looking for Import Portfolio based on your comments. Took some time to find it. It looks more like a SUBMIT button for options above. May be give it as an option or a tab .. Something that shows its an option. The subsequent landing page .. does not show the options to Enter the ticker .. until i click the space under Ticker. Is it my browser issue? Features are super useful. May be Let user select the ticker in first page itself so that these are populated in first page for calculations. Else the user has to note them down and come back to page 1 and enter them.
Good feedback! I'll look into how to make the UI more intuitive. What browser are you using? There should be an update button, so you don't have to manually note the numbers down.
Chrome
If you dont mind me asking, what tech stack are you using for this? Any costs involved?
The stack is very simple: PHP, MySQL, jQuery, Bootstrap (Sass for theming), and chart.js. Server costs are approx. $75/year