The Beta Post

Passive income, personal finance and fintech.

My two financial goals for 2018

My two financial goals for 2018

2017 was the year I changed my investment strategy and started blogging about it. In earlier years I experienced great volatility due to an extreme apatite for risk, but this was not the case for 2017. I now believe I've found an investment strategy that suits me well, and I'll be sure to follow the same path in 2018.

My portfolio is still in it early phase, and next month will actually be the 1 year anniversary. I'm very exited about that, and certainly looking forward to keeping track on the year-over-year growth of dividends received!

In order to push my year-over-year growth, I've established two financial goals to help me get there. As the Dividend Diplomats wrote about there are Benefits of setting lofty goals, and I surely intend to do so.

As I like to keep thing simple, I've limited my financial goals this year to only two items. So without further ado, here they are:

Goal #1: Invest $30,000

When I started this blog I wrote about my portfolio expectations. And in my calculations I noted an annual savings rate of $10,000. So why is my goal to invest three times that? Well, the cash flow outlook of 2018 is quite promising. I have some ad-hoc cash coming in during Q2, which I would like to invest in the market. I do not expect to keep this investment rate up for the following years, but for 2018 I believe I can squeeze in an amount around 50% of my current market value. Doing so will also substantially alter the expected terminal value of my portfolio due to the effect of compounding interest.

$30,000 divided by 12 indicate $2,500 each month. But it's look like I will not be able to make any investments this quarter. So from easter or so I should be able to make an investment of about $3,750 each month. Given that I find some good investment opportunities at that time..

Goal #2: Collect $5,000 in dividends

2017 ended with $2,819 dividends collected. And I aim to (nearly) double that figure this year. One of the main reason for this is that I started building my portfolio in 2017, and the dividends received the first two quarters should be much higher this year due to some investment made in the last months of 2017. But most importantly it's crucial that I complete goal #1 in order to have a shot at this dividend goal.


January 15th, 2018 14:05

Congratulations on making it to your one year investment anniversary.

Having goals is great, but I think what's more important is to have investment objectives. They may overlap with your goals, but objectives are something that keep you tied to an investment strategy regardless of what market does. Without it, people don't know what they are looking for and tend to move in and out of investments too much, simply based on market noises.

For example, my primary investment objective is to generate stable, predictable, and growing cash flow from my investments. This forces me to only invest in companies that have the potential to meet my cash flow objective. Everything else, including capital growth, comes second.

As long as my objectives are met, I don't care about market or what someone says about my investments or even the valuation.

Keep investment and try to learn more from other people's mistakes and successes as it won't cost you anything :)

Good luck and take care

The Beta Post
January 20th, 2018 11:34

Wise words Mr. ATM! I should try to concretise an objective for my portfolio, as my current objective may be somewhat vague, namely "building a portfolio for the long term".

Thanks for commenting :)

March 2nd, 2018 00:25

Howdy! Quick question that's completely off topic. Do you know how to make your site mobile friendly?
My weblog looks weird when browsing from my apple iphone.
I'm trying to find a theme or plugin that might be able to correct this issue.
If you have any suggestions, please share. Many thanks!

The Beta Post
March 4th, 2018 03:37

Hi Dana. If you're not familiar with web development I would recommend you getting some (cheap) help over at There you can post an add explaining your issue at what system you currently use, and developers will bid on your project.

If you're using WordPress there are lot of responsive (ie. mobile friendly) themes out there.

Hope this helps, and let me know if you have any more questions :)

Leave a comment

Providing an email address is required but will not be available to the public. If you have a gravatar associated with that email it will be displayed next to your comment.