The “Divi-X” System Workbook Screenshots

Leverage Projection Worksheet

Leverage Projection Worksheet

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Upon taking a new position in a new security, ‘The “Divi-X” System Workbook’ walks you through the initial set-up with a series of user prompts asking you basic information such as, Ticker Symbol, Purchase Date, Purchase Price, Dividend Payout, etc.

Next, based on ‘Projection Data’ of your own choosing, ‘The “Divi-X” System Workbook’ lays out seventeen different investment scenarios for you to choose from.  For example, if your primary concern is to maximize your dividend income, you would choose a “DIV Multiplier” that brings you the highest “Net DIV Cash.”  If your goal is to acquire the maximum amount of shares that your dividend will allow, then again, you would choose the appropriate “DIV Multiplier.”

Leverage Summary Worksheet

Leverage Summary Worksheet

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The ‘Leverage Summary Worksheet’ is where you see the ‘Projected’ and ‘Actual’ results of the information you selected on ‘The Leverage Projection Worksheet.’  This is also the screen you will finalize your decisions made on ‘The Leverage Projection Worksheet’ by simply choosing a ‘Payment Option’ (All DIV’s, FixedPmt, PmtPerc, or Interest Only) and a ‘Dividend Option’ (whether you want to reinvest your dividends or not).

That’s it.  You’re done!

Transactions Worksheet

Now, if you are not a data hawk, like I am, the only time you have to get involved is when you have to update the interest or dividend.  If you do like to keep track of the share price trends over time, this is where you would enter it.

Transaction Worksheet

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Return Scenarios

Now, before you start replacing projected data with actual data, the ‘Return Scenarios’ chart is just a graphical representation of the results you hope to achieve based on the choices you made on the ‘Leverage Projection Worksheet.’

Return Scenarios Blank

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As you can see from the chart above, our ‘Leverage Projection Worksheet’ for this particular security shows that our choices are anticipated to exceed our ‘Expected Return’ rate as indicated by the green ‘Divi-X Return’ line outpacing the red ‘Expected Return’ line.  More importantly, it shows that our green ‘Divi-X Return’ line is exceeding the purple ‘Without Divi-X’ line by even a wider margin.

Once you start replacing projected data with actual results, your ‘Return Scenarios’ chart will start to look more like this:

Return Scenarios JNJ

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These are the actual five year results of Johnson & Johnson (JNJ) from the period of Sept. 23, 2011 to Sept. 23, 2016 using the “Divi-X” System.  Immediately, you notice that the ‘Divi-X Return’ and the ‘Without Divi-X’ return easily outpaced the ‘Expected Return.’

Another feature added to this function is the ‘Rule of 72.’  The ‘Rule of 72’ tells you how long it would take for your investment to double based on the securities ‘dividend yield’ at the time of purchase.  But also notice that there is a bluish line hovering around the $10,000 range.  This is the point where your investment would have actually doubled in value.  Looking at the chart above, ‘Divi-X Return’ doubled in value way back in November of 2014.  It would not be until June of 2016 when someone who invested all cash (‘Without Divi-X’) would reach that same milestone.  After five years, you clearly see that “Divi-X” had a huge dollar advantage over ‘Without.’  Now let’s see how that converts into percentage performance.

Return Percentages

Return Percentages JNJ

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Here we have three quantities, share price performance in blue, ‘Without “Divi-X’ (All Cash) in purple, and ‘Divi-X Return’s in green.  ‘Without Divi-X’ outperformed share price performance simply because of dividends received.  ‘Without Divi-X’ finished the five years out with a 107.81% return.  You also see that ‘Divi-X Return’ outperformed both share price performance and ‘Without Divi-X’ results handily, to finish its five years out with a 131.39% return.  ‘Divi-X Return’ outperformed both because we purchased more shares for less cash and received more dividends from those extra shares, slightly offset by interest expense incurred while amortizing those additional shares.

20 Year Dividend ‘Yield on Cost’ Projections

20YR Yield Projection

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Watch your ‘Yields on Cost’ grow even faster using “Divi-X” as companies raise their dividends over time.

Amortization Tables

Amortization Table

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Track outstanding amortizations associated with investments or change terms on the fly allowing you the flexibility to have more input on the performance of your investments.  You can convert payments to and from payment percentages to fixed payments and many other variations to aid you in your long-term investment goals.

 

All work is copyrighted by The Dividend Times, LLC 2015 – 2017

 

 

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