BeatMarket - blog
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Overall, everything looks pretty good. This month I invested more than usual, but not because the month is special, and the money was free and threw.

In General, you probably need to use even shares every month, but I have learned recently that the best strategy is the one that suits you. Mental. The option I use is the one that suits me. I do not like to wait, if there is free money, I invest. There will be another opportunity this month, I will invest more.

The main thing for me is to invest constantly, every month. There is a certain amount that I invest every month, and everything on top is just a bonus. In my strategy, it is not particularly important what parts to invest and when. More important is regularity, just to smooth out market fluctuations.

BeatMarket.One founder
Posting the results for June 2020

BeatMarket.One founder
This is what my portfolio looks like at the beginning of June 2020

BeatMarket.One founder
As you have already noticed, I do not bet on the dark horses of the market. I'm more pragmatic.

My favorites are companies with well-known names that have been working on the market for years, with stable indicators and clear business. This is my choice and this is my strategy.

I have already realized that I can easily tolerate falls of 30-40%, but only when they do not go against the General situation, because if the market is +40% and my portfolio is -40%, I start to think what is wrong with me. I prefer to go with the market. This makes it easier to tolerate negative results.

BeatMarket.One founder
Hello! And here are my results for July! There were many cases and did not have time to lay out earlier. As you can see, in July, the index pulled ahead significantly. Cool! Let's see what will happen next)

BeatMarket.One founder
This is not an imitation of victory, not an attempt to fit the numbers - this is an online experiment in which I prove that the BeatMarket platform performs better than key indicators. 25 years of research, 10,000 tests and my own investment in the rules of the platform online is the best proof of this!

BeatMarket.One founder
When I follow the market, willingly not willingly, a huge amount of analytical information catches my eye. Bears are attacking, the market is overheated, this is not the limit, oil is under pressure, the resistance level has not yet been reached, the largest hedge funds are selling stocks, and a lot of other things.
And then my broker calls and offers me to take apart my portfolio and "re-optimize assets under the control of a personal analyst."

How can you not doubt your strategy. Against the background of such noise.
It's very simple.

I have reinforced concrete arguments.

Here's your first
My companies always pay dividends. Stable for more than a dozen years. Moreover, they raise them regularly. Thus, every month money falls into my wallet. Always. Every month. Here, this month, $ 256 in dividends fell. Thanks guys for 2 Microsoft Free Promotions or 5 Intel Free Promotions. Now, my broker doesn't give me a gift. And analysts don’t give. And my companies donate. And so I don't care what the analysts say. And my companies don't care.

BeatMarket.One founder
Here's a second
My companies are market leaders. You probably know most of them. Who doesn't know Nike, Intel, Microsoft, Mastercard? I love my big companies and I know that if they collapsed, then the world collapsed. And if the whole world collapsed, why worry about collapsed stocks? And so I am calm. And so I don't care what the analysts say.

Here's your third
70 quality assurance criteria. One paper. Not many people can get through such a filter. Only the really best pass. I choose the best of the best. I am confident in the business of the companies in which I invest. No indulgences. A carefully designed mechanism, without fear or reproach, cuts off everything that does not fit and provides only what fits. Only the best businesses with great results and no carte blanche.

Here's your fourth
Historical data and tests. If my tests were on paper, it would be hundreds of rather heavy books. But thanks to the internet and the developers, there are many data services in the world. Tons of information. I run tests all the time. Hundreds, thousands and ... tens of thousands. I test my securities up and down, from left to right, from top to bottom, in different conditions, in different markets, at different intervals. And you know what? The selected businesses perform well. My strategy has no boundaries. It is applicable in any market and for any company, because the rules of successful business are the same everywhere.

BeatMarket.One founder
Results for the 181st 5-year DOW, with a 1-month shift
How often do I make deals. Rarely and frustrated by this. I would like it even less often!

It is worth noting here: for myself, I divide transactions into two types - buying securities and selling securities. When it comes to frequency, it mainly concerns the sale of securities. I buy relatively often. Every month. But this does not mean that it should be so. I just think that regularity is N% of success.

Equal investment is a long-standing truth, proven by more than a dozen years, and one of the ways to successfully exist in the market and get better results at a distance. Equal investment reduces risks both when buying in rising markets and provides an opportunity for more profitable acquisitions in falling markets.

As for me, I have no idea when the market will rise, when it will fall. I don’t know and I cannot control it. I can control myself and my behavior. And my behavior is to buy regularly, in parts. It can be once a month, once every 2-3-5 months. Never mind. The main thing is regularity.

When I have amounts that are significantly more than my usual investments, I simply split the purchase into parts and buy in parts, over a period of time.

So, I buy every month and nothing bothers me in this part, but rather the opposite. As for the sale, here I am very conservative. There is a set of rules / signals that tell me that it is time to sell the paper. But he is quite loyal. The paper can be in the portfolio for 1-2-5-10-20 years. I admit this completely and I am very happy about it. The longer the paper is in the portfolio, the less taxes and commissions will have to be paid for transactions as a result. The average number of complete transactions - bought / sold, the so-called portfolio turnover, is about 5% for me. I would like it to be even smaller, but as it is.

Why do I pay so much attention to this. I saw a lot of recommendations, like - I bought it, held it for a year, sold it. And a lot of tests are done that way. They often write that we buy on such and such conditions and leave in a year. I prefer to keep the paper as long as possible and only sell it when the business is in trouble or is slowing down. Why is that.

Simple math:

We take $ 100 and a virtual yield of 10% per annum with reinvestment. Income tax 15%, commission $ 1 per purchase, $ 1 per sale.
We take two sale options: A) in a year B) in 5 years. We omit the rest. This is a very simple example to understand how important the issue of taxes and fees is.

What we have at the output:

Option A: 100 + 10% minus tax, minus commission, and so on five times. With capitalization, we get in this case, in 5 years, $ 150.36 minus the commission for transactions of two dollars per year (bought / sold) = 150.36 - 10 = $ 140.36

Option B: 100 + 10% minus tax, minus commission, and so on once. With capitalization, we receive in this case, in 5 years, $ 161.05 minus a commission of $ 2, we bought once in 5 years and sold once in 5 years. Total we have 151.89 - 2 = 149.89 $

The difference at a distance of 5 years was 6.8% or 1.36% annually. And at a distance of 10 years, this difference is already 26% or 2.6% annually. The longer the distance, the more profit you need to get annually so that the frequency of transactions is covered by the profitability.
I don't remember if I wrote about my start-up capital before, but more likely no than yes. Probably, it makes sense to share, maybe it will be interesting or useful to someone. And the story is ugly simple. I didn't have any starting capital. I just keep saving a sum of money every month. I decided for myself how much I can save for sure this year. Everything on top is a nice bonus for yourself. I will tell you more, I have loans and I have debts, and I have a mortgage. I think like many others. But I put it off anyway. Sometimes even to the detriment of loan repayment. I could have closed the mortgage for a long time. And their loans and debts. But here is everyone's choice. My path is not your path. I just studied myself and I understand that it’s more convenient and easier for me. This forces you to constantly pull yourself out of your comfort zone and look for new opportunities. It's more comfortable for me. Harder and easier.
So, in continuation of the previous post: I just began to methodically save money every month. At first, just put it off, just count. And when I finally found how to invest in stocks, after long, thorny experiments, I came to what I am doing now. I continue to methodically save money and buy stocks with it. Every month. Little by little.

It all started with the fact that I bought 1 share per month))) I am sitting with my $ 100, and I need to buy a UNH share, which costs 300+ :) in order to diversify my portfolio. According to the analysis, she is needed, well, or not she, but a Visa, which also costs 200+. In general, I sit like this for 2-3 months until I save up for the first paper. And so I bought it. The first months were like that. Then I found options and managed to invest more. $ 300-500. But, you know, what I did not prepare for, although I am a rather patient person, is that it’s just like being in a furnace. No exhaust, absolutely. Well that is this is not a sprint distance. Here you will not be able to strain yourself, give all your best and get the result. It's a long way. It's about brushing your teeth every day, not just painting the ceilings in your new apartment once. And you just need to accept it as a fact, apparently. There won't be any quick results. There will be a lot of body movements and zero reaction. I was not ready for this. Those. I am like the right guy, every month I invest 100, 300, 500, 1000 $, the rate grows, it is more difficult to invest, but what about the return line? But nothing) Well, here are the papers, well, here is the portfolio, well, yes. AND? And .... Emptiness .. These were my feelings. Long, slow, so the whole life will pass .. Yes, yes.

I think everyone has such thoughts. And here next, some Tesla grows 5-6 times before your eyes. And everyone praises her, and such an excellent paper. And me, with my portfolio and growth of 1-2%. I was not ready for this)) What helped me? At such moments, I am only supported by the belief in the power of the knowledge of great investors and the experience they described. Benjamin Graham, Warren Buffett, Peter Lynch and ten thousand tests on 30-40 years of data say that Tesla is probably good paper, but it is not mine. I don't believe in her. I cannot explain to myself why I could buy it and when, and why sell it. I don't understand her. My eyes and experiences suggest otherwise. My experiments and tests, my books, read a dozen times, all this gives me the strength and light to follow what is happening. If I see paper flying up somewhere, I look at mine, I remember hundreds of days spent for calculations, calculations, studying reports, bankruptcies, historical data, when I remember tens of thousands of graphs and hundreds of written notebooks, I understand that I am tired of checking)) ) Everything is fine with me and the papers are excellent. I didn't miss. I have selected the best.
Digest BeatMarket from 26.07

📢 News of the securities market, the main events of the past days

🔹 Doomsday, July 31. On this day, the debt limit of the US economy expires. Congress will urgently rewrite debts, after which the Ministry of Finance, Kazanchestvo and the Federal Reserve will be on the move to extinguish possible side effects for the US budget. The Senate will be in a nervous fever all August and it is not clear how this fever will affect the markets.

🔹 On Friday, July 23rd, the Rivian startup raised another 2.5 billion USD in investments. The electric pickup and SUV maker wants to build its second plant next year. And Rivian promises to deliver the first electric cars on pre-orders starting in September 2021 - Amazon was one of the first companies to place a pre-order for 100 thousand Rivian electric cars in 2019.

🔹 China is killing its edtech, one of the fastest growing sectors. The Chinese regulator has banned dozens of Chinese educational services from receiving investments from offshore zones and trading on international exchanges. Tutors and private teachers can only work with non-profit platforms, which will be under the supervision of the Communist Party.

📈 Stocks and companies news

🔹 Intel (INTC) wants to buy GlobalFoundries for USD 30 billion. Most likely, we are not talking about direct purchase, but about expanding partnerships and cooperation. Intel is forced to cooperate with competitors in order to somehow catch up with the main innovators of the market: Taiwanese semiconductors (TSMC) and South Korean Samsung, which this year began producing 5nm microcircuits.

🔹 Johnson & Johnson (JNJ) raises dividends for 59 consecutive years. On July 21, JNJ reported revenue in the second quarter: a third of the company's cash flow came from Imbruvica, Darzalex and Stelara. JNJ's drugs are selling so well that even new regulatory inspections and lawsuits cannot shake investor confidence.

💰 Interesting events from the world of cryptocurrencies

🔹 The number of bitcoin ATMs is growing rapidly in the United States.
According to How Many Bitcoin ATMs, the number of bitcoin ATMs in the US has grown exponentially over the past year. The activity of companies installing crypto-ATMs led to a double increase in the number of ATMs to 38 thousand devices.

🔹 Amazon recently posted a job ad for Digital Currency and Blockchain Product Leader to create a vision and roadmap for new payment products. I go vacancy, not so long ago, also posted by Apple. Apparently, the richest corporations intend to introduce ecosystem and cryptocurrencies into soybeans.

🔹 Pension funds invest $ 7 million in crypto
According to the documents, the New Jersey state pension fund has invested $ 3.66 million in Riot Blockchain and $ 3.39 million in Marathon Digital Holdings.


BeatMarket Platform | BeatMarket Assistant Bot
The issue of dividends is high on my portfolio. Moreover, I do not buy shares of companies that do not pay dividends, but that does not mean that I will not do this in the future. The world is changing, who knows. But now it is one of the most important elements.

It is important for me that companies pay dividends and that these payments grow. As experiments and analytics show, there are quite a few companies that increase dividend payments. For me, this is a signal that the business is in a stable position and confident in where it is heading. Especially if, at the same time, the payout ratio also remains at an acceptable level for a long period of time.

Found an interesting feature in Digrin, you can track the approximate data on dividend payments for a portfolio. Why approximate? Because the amounts are the same, but the timing of payments is not. In terms of accuracy, the DivTracker application in the paid version is much better, but it is inconvenient to take a screenshot from there.
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