Last Update: 31 August 2020

The Pinwheel Portfolio granted a 2.58% dividend yield in 2019.

It's a High Risk portfolio and it can be replicated with 8 ETFs.

Portfolio Dividend Yield

The Dividend Yield of Pinwheel Portfolio is the result of the following asset allocation:

PINWHEEL PORTFOLIO
DIVIDEND YIELDS (%)
Period: January 2019 - August 2020
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2020(*) 2019
Pinwheel Portfolio 0.80% 2.58%
Weight Components Dividend Yield (%)
15.00% EFA - iShares MSCI EAFE 1.24% 3.69%
15.00% VTI - Vanguard Total Stock Market 0.81% 2.29%
15.00% VNQ - Vanguard Real Estate 1.52% 4.27%
10.00% IJS - iShares S&P Small-Cap 600 Value 0.66% 2.04%
10.00% EEM - iShares MSCI Emerging Markets 0.51% 3.19%
15.00% IEI - iShares 3-7 Year Treasury Bond 0.81% 2.10%
10.00% BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill 0.30% 2.06%
10.00% GLD - SPDR Gold Trust 0.00% 0.00%
(*) Dividend Yield is calculated only for a portion of the year

Capital Growth and Dividends

In the following table, Capital Growth details (with and without dividend reinvestment) are represented.

If you are not interested in a periodic income and you need a strategy with a dividend reinvestment, please refer to the Pinwheel Portfolio: ETF allocation and returns page.

PINWHEEL PORTFOLIO
CAPITAL GROWTH with or without dividend reinvestment
1000$ invested from January 2007 to August 2020
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Year
Dividend
Cumulative
Dividend
Cashflow
Portfolio
Value
EOY Capital
Amount Yield Effective
Ptf + Cashflow
Total Return
Div. reinvestment
1000.00
2007 25.47 2.55% 25.47 1050.58 1076.05 1076.05
2008 24.68 2.29% 50.14 790.01 840.15 833.84
2009 21.53 2.58% 71.67 960.73 1032.40 1035.56
2010 20.35 1.97% 92.02 1096.35 1188.37 1202.09
2011 22.38 1.86% 114.41 1073.22 1187.63 1199.11
2012 24.78 2.07% 139.19 1186.28 1325.47 1350.22
2013 25.89 1.92% 165.08 1270.56 1435.64 1472.04
2014 30.04 2.04% 195.12 1322.37 1517.49 1562.11
2015 28.80 1.84% 223.92 1259.97 1483.89 1517.18
2016 32.00 2.11% 255.91 1342.13 1598.04 1648.12
2017 35.19 2.14% 291.10 1502.43 1793.53 1880.15
2018 40.64 2.16% 331.74 1374.00 1705.74 1760.07
2019 45.44 2.58% 377.18 1603.87 1981.05 2099.97
Aug 2020(*) 16.88 0.80% 394.06 1611.01 2005.07 2126.20
(*) Dividend Yield is calculated only for a portion of the year WITHOUT
dividend
reinvestment
WITH
dividend
reinvestment

Column meaning:

  • Dividend -> Amount: Income returned over the year (or portion of the year)
  • Dividend -> Yield: Dividend Yield calculated on the starting price of the year
  • Cumulative Dividend Cashflow: Sum of all the dividends received
  • Portfolio Value: Investment Value, excluding dividends, at the end of year
  • EOY Capital -> Effective: Investment Value plus cumulative dividends
  • EOY Capital -> Total Return: Investment Value, with dividend reinvestment

Which are the global returns of the last periods? In the following table, the Effective Return considers the received (and not reinvested) dividends. Total Return is calculated assuming dividend reinvestment.

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Period Portfolio
Return
Effective
Return
Total
Return
Jan 2019 - Aug 2020 +17.25% +17.55% +20.80%
Jan 2017 - Aug 2020 +20.03% +25.47% +29.01%
Jan 2015 - Aug 2020 +21.83% +32.13% +36.11%
Jan 2013 - Aug 2020 +35.80% +51.27% +57.47%
Jan 2010 - Aug 2020 +67.69% +94.21% +105.32%
WITHOUT
dividend
reinvestment
WITH
dividend
reinvestment

Yearly Returns and Dividend Yield

Dividends are essential for the investor who needs additional periodic income. When dividends are not reinvested, how much is the real portfolio return over the years?

PINWHEEL PORTFOLIO
HISTORICAL RETURNS AND DIVIDEND YIELDS
Period: January 2007 - August 2020
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Year Total Return Dividend Yield Return
Without Dividends
2007 +7.60% 2.55% +5.06%
2008 -22.51% 2.29% -24.80%
2009 +24.19% 2.58% +21.61%
2010 +16.08% 1.97% +14.12%
2011 -0.25% 1.86% -2.11%
2012 +12.60% 2.07% +10.54%
2013 +9.02% 1.92% +7.10%
2014 +6.12% 2.04% +4.08%
2015 -2.88% 1.84% -4.72%
2016 +8.63% 2.11% +6.52%
2017 +14.08% 2.14% +11.94%
2018 -6.39% 2.16% -8.55%
2019 +19.31% 2.58% +16.73%
Aug 2020(*) +1.25% 0.80% +0.45%
(*) Dividend Yield is calculated only for a portion of the year

Actual Dividend Yield for long term investors

What would have been the annual Dividend Yield received by investors if they had implemented the Pinwheel Portfolio allocation over the past years?

E.g. If you had implemented it 3 years ago, how much would be your actual dividend yield today?

PINWHEEL PORTFOLIO
ACTUAL DIVIDEND YIELD for long-term investors
Period: January 2007 - August 2020
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Starting Period
of the
Investment
Actual Dividend Yield over years
2014 2015 2016 2017 2018 2019 2020(*)
Jan 2007 3.00% 2.88% 3.20% 3.52% 4.06% 4.54% 1.69%
Jan 2008 2.79% 2.68% 2.97% 3.27% 3.78% 4.22% 1.57%
Jan 2009 3.60% 3.45% 3.84% 4.22% 4.87% 5.45% 2.02%
Jan 2010 2.90% 2.78% 3.09% 3.40% 3.92% 4.39% 1.63%
Jan 2011 2.50% 2.40% 2.66% 2.93% 3.38% 3.78% 1.40%
Jan 2012 2.51% 2.40% 2.67% 2.93% 3.39% 3.79% 1.41%
Jan 2013 2.22% 2.13% 2.37% 2.61% 3.01% 3.37% 1.25%
Jan 2014 2.04% 1.96% 2.17% 2.39% 2.76% 3.09% 1.15%
Jan 2015 1.84% 2.05% 2.25% 2.60% 2.91% 1.08%
Jan 2016 2.11% 2.32% 2.68% 3.00% 1.11%
Jan 2017 2.14% 2.47% 2.76% 1.02%
Jan 2018 2.16% 2.42% 0.90%
Jan 2019 2.58% 0.96%
(*) Dividend Yield is calculated only for a portion of the year

Collecting dividends is useful to obtain an additional income. Obtaining a large amount of income is the first step to financial freedom. However, if your need is to increase your capital as much as possible with dividend reinvestment, please refer to the Pinwheel Portfolio: ETF allocation and returns page.

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