Dividend Reinvestment Calculator

[@DividendGrowthInvesting]

What I love most about dividend investing is getting a pay raise each year! Try M1 Finance: bit.ly/TryM1Finance How to transfer to M1: bit.ly/TransfertoM1 Seeking Alpha Premium (get 58% off): bit.ly/SeekingAlpha-DGI Instagram: instagram.com/dgi_jake/ Dividend Reinvestment Calculator: docs.google.com/spreadsheets/d/1W8UvXLZdEpVX-UPTKiHIT1oYIkj7Omvf30FgB3FTKWY/edit?usp=sharing

[@DividendGrowthInvesting]

@@evasanz3466 lol exactly!!! We were in Northern Germany by Kiel which was so nice because of the wind! We also visited Munich and Koeln which were soooo hot. I really enjoyed the north wind.. I would so much rather visit Northern Germany in the summer! LG

[@SkandalRadar]

@@DividendGrowthInvesting I live near Kiel. Best greetings 🙂

[@johnlasure6064]

This was a great video for me - Thanks so much for creating this content. Could you possibly cover another covered call ETF for us concerning dividend payout. I’m getting started late in retirement savings and recently learned out (OILK) that has a high dividend yield that seemingly has a very stable pmt schedule over the past 10 years, plus essentially at the bottom of its stock price now. So, if I buy it now, it can most likely just go up. I’m mainly interested in the income since I’m about 5 years from retirement. Could you please give it a peek and maybe a video on it?

[@greentea1986]

@@DividendGrowthInvesting can you do a new sheet with column for dividend tax? Unlikely you are going to reply. But thanks.

[@jbrockskill]

I’m Jake too! But my portfolio is so much smaller. 46k, one day it’ll be big!

[@DividendGrowthInvesting]

well well well.. The world could use a few more Jakes :D

[@ALEXFVHS]

@@DividendGrowthInvesting and more big ones

[@lahedo537]

Amazing that you just give this document out for free. Only that is a reason to subscribe!! So many influencers out there try to sell everything and only share their true knowledge if you pay for it. You deserve a lot of success with your channel!

[@DividendGrowthInvesting]

Glad it was helpful!

[@larrysmith2655]

I've been investing for so long. I was heavily into Amazon in the mid to late 2000s. Caught many other trends before they took off. But It still strikes me when I see accomplished dividend investors. What dedication!

[@DividendGrowthInvesting]

I hope you held onto your Amazon shares!! Thanks for watching!

[@larrysmith2655]

@@DividendGrowthInvesting oh yea, we were HODL before the term existed lol

[@M3KM3]

TY so much for sharing this for FREE. This is exactly what I was looking for. YOU ROCK :)

[@kc8txw]

Hay Jake Great to see your back hope you had a great time. Loved the video

[@DividendGrowthInvesting]

Hey James!! Thanks! It’s really great to be back

[@1DansBlues]

Boy I bet you’re glad to be back in the 100 degree weather. 😂😂😂 Here, As hot as June was July has been more rain and warm days in NOLA. This does look like a great tool but I just lack the time to do all this. I do keep track of my dividends and each year they go up as I am reinvesting my dividends. I do have a spreadsheet and keep track of my investments. And as Elton John sang. It might be quite simple but now that it’s done…. I just stick with that. 🎶🎶🎶 Well glad to have you back and thanks for your video.

[@DividendGrowthInvesting]

Really happy to be back home! Yeah this can take a little time when looking at the total portfolio. The easiest way to use this is to look at single ETFs because the numbers are easier to gather.

[@mattseverance8176]

I just found your channel and I’m so impressed. Love the content you have created. You are 100% helping thousands of us figure this out. Cheers from New Hampshire. 🍻

[@DividendGrowthInvesting]

Hey Matt! I'm so glad you found the channel! Thank you so much!

[@ernest2x2maxup95]

Hey man I want to say thank you for this video, I been researching a lot, because I really want to get into dividend stocks and the long term income, income I’m 19 and planning on starting next month. Right now I’m wearing different terms like price or a ratio debt to equity ratio and more this video will give me confidence to start

[@archoplites]

I downloaded your DGI calculator some time ago and I love the free spreadsheet. Great tool for long-term dividend investors planning for their future. Although things are likely to change over time, adjustments can be made along the journey. Helps you see the end goal and stay on track...the snowball is always the wow factor.

[@hallpaintandbody7717]

Nothing like working outside all day every day, no matter the temperature. That's what inspired me to invest more. Cool video btw 😎

[@DividendGrowthInvesting]

Oh tell me about it!! Nothing like good ol fashioned hard work outside will make you want to rethink all of your life choices. Thanks for watching!!!!!

[@mommytradertube]

This is amazing! Ours hit 100k but we are pushing! Great job Jake!

[@DividendGrowthInvesting]

The first 100k is the hardest! I'm so happy for you!!!

[@sethkiely9772]

Incredibly useful planning tool! Thank you for sharing the knowledge. Do you factor in “non-dividend” funds to the weighting? Seems purely growth funds/stocks can skew the avg CAGR and yield down.

[@DividendGrowthInvesting]

You would want to adjust the metrics to reflect what you are measuring. You can do this individually or on a weighted average basis.

[@jamesthorpe2359]

3 years into opening a IRA and these videos remind me that it’s worth the wait!

[@DividendGrowthInvesting]

100%!!

[@mikespeiser7267]

The Big Ed meme video was the best yet! Too funny! Lmao!😂

[@juicyfruit100x]

Wow, you are the man. You have the heart of a teacher and have explained this so clearly. Thank you so much for all your time and effort into these videos and the handy spreadsheet that I'm playing around with now. Much appreciated!

[@DividendGrowthInvesting]

Glad it was helpful for you!

[@theneverendinghighway]

I've already been basically doing it as I have 80% of all my money in SCHD between my roth and taxable account. I dabble in single dividend growth stocks with the other 20% But, I really don't see any need to change my approach and continuing to pile most of my money into SCHD

[@DividendGrowthInvesting]

keep it simple! I think most people would benefit from this approach. I really like SCHD as a core holding. SCHD makes up 7.5% of my total portfolio - which is equal to my largest other holdings.

[@delliott777]

i enjoy your videos, listening to your enthusiasm. Glad to hear of your progress, keep up the good work.

[@DividendGrowthInvesting]

Thank you so much!!

[@beyondinspirations]

Thanks a lot! Danke.🙏🏿🙏🏿🙏🏿

[@DividendGrowthInvesting]

Thanks for watching!!

[@deadly134]

Awesome video Jake! As a new investor would you recommend to majority growth then switch to dividends later in my life? That’s what I read everywhere I should do but seeing those nice dividends come in feels so good! Keep up the great content

[@DividendGrowthInvesting]

Well when looking at the total return, that is how you get the highest rate of return over time. That is why I invest mostly in growth in my Roth IRA/HSA because I have 25 years before I will tap into that account. It comes down to when you plan to use the money/dividend income from your portfolio.

[@christophschmid8868]

Hi Jake Thanks for your hard work and the calculator. Great tool. Greetings from Europe

[@DividendGrowthInvesting]

Thanks for wathing Christoph! Cheers from Texas!

[@jamesernest5345]

I'm probably not going to be FIRE for the next 25 years, but I've started strong the past year at 22 years old. Baby $8700 portfolio. Trying to put in over 50% a year while I can afford it as a bachelor.

[@norttorres]

Jake, I have been using your 5 Stars ☆ calculator for a while.. Awesome tool my friend 🙏🏼, it's helped me a lot figuring out my time horizon.. 💡💡💡 Welcome back !!!

[@DividendGrowthInvesting]

Really great to hear!!! Thank you! Hope you have a great week and are staying cool.. its really hot out there..

[@norttorres]

@@DividendGrowthInvesting Stay cool you too, it's hot everywhere 😎.. Have a great week. 🤙🏽

[@thomashaynes907]

Power of compound interest

[@DividendGrowthInvesting]

most powerful thing in the universe!

[@tomn.8475]

On that In the Future tab, there is a annual amount invested field. But if you stop investing after 10 years, then it kind of looked like your formula was still investing $24k a year (I seen the stocks owned remained the same). I was just curious if your formula was still adding $24k onto years 11 to 30. But I'd think it shouldn't if you are living off dividends after the 10th year. Therefore, you organic growth would be way lower if you're not longer investing. Thanks for the videos and I enjoy watching! Good luck to all investors out there!

[@DividendGrowthInvesting]

Very good catch! You are correct. I need to update that field for the future tab. This field "H" doesn't impact column "G" so it won't impact the projected value of the portfolio. Thank you for highlighting this! Fixing now!

[@OverseerPrime]

Hi Jake, I have been following your channel for sometime now and really enjoy it! I have a quick question, what are your thoughts on JEPQ, you think it will be as successful as JEPI? Let me know your thoughts on this and thanks again for the great info you have shared with us!

[@DividendGrowthInvesting]

Hey Michael! I am actually very interested in JEPQ! It would be an alternative to QYLD. The difference between JEPQ and JEPI is the index it tracks. JEPI tracks the SP500 where JEPQ tracks the Nasdaq. Both are covered call ETFs. JEPQ should have a higher dividend yield over time. The nasdaq brings higher volatility and thereby generates more income (dividend in this case).

[@wedgepressure4313]

Hey there! I just found your channel, I'm looking to start up a Dividend portfolio. I have $50k in and I plan on adding $5k every month. Does that sound like enough to make this thing work? How much per month do you add?

[@DividendGrowthInvesting]

Hey there! That is a great amount ot invest every month! I would start with looking at high quality dividend ETFs and then slowly building it out from there.

[@jamesguerinot414]

Mine has been pretty docile tbh. Not crazy swings but I have 2 energy stocks that have held me to tbh

[@am_9944]

awesome little by little but many many people dont realize how good is it to start or finish a year with extra 1000 USD

[@DividendGrowthInvesting]

I must be really easy to please.. I'm happy when I find $5 that I wasn't expecting.

[@am_9944]

@@DividendGrowthInvesting true altough it wont so much on its own but with enough time it could become decent. Tbh dividend investment if you looking for a short run you need massive capital else you better invest 100 today and just keep on adding you will thank yourself in 30 years and oh boy dont even mention kids gran kids

[@dragonslayer7814]

I have VTI VGT SCHD AND VIG as core holdings in my roth

[@johnlasure6064]

This was a great video for me - Thanks so much for creating this content. Could you possibly cover another covered call ETF for us concerning dividend payout. I’m getting started late in retirement savings and recently learned out (OILK) that has a high dividend yield that seemingly has a very stable pmt schedule over the past 10 years, plus essentially at the bottom of its stock price now. So, if I buy it now, it can most likely just go up. I’m mainly interested in the income since I’m about 5 years from retirement. Could you please give it a peek and maybe a video on it? 5:20

[@AshokKumar-2113]

Excellent quality 👌

[@itsszeke]

Okay I started myself a small dividend portfolio a little while ago and I have a question. What’s the point of having a dividend portfolio if you’re losing more money in market value with the stocks?

[@fabiGBOtown]

Hey buddy, welcome home. Hot as balls indeed. I've been waiting all week to ask you why vgt instead of vug on your roth pie. And would you consider adding small cap to it? I've been researching the vanguard ones, vb vbr vbk but ijr from Blackrock seems to beat it. Unless I'm doing the visualizer thing wrong again. Thank you, I believe my plan is almosted formed.

[@DividendGrowthInvesting]

Well you will get more diversification with VUG. I like the heavier focus on technology in VGT but that’s only a personal opinion. Because I invest into VTI I also get broader diversification I’m fine with the higher concentration with VGT. I personally prefer VTI over picking small or mid caps. The challenge is you can never predict what will do better in a given year and that’s why I like VTI over picking small or mid caps - I’d rather just buy everything. But with that said I don’t think you could go wrong adding a low fee small/mid cap ETF like you mentioned.

[@fabiGBOtown]

@@DividendGrowthInvesting thank you Jake, I thought you chose VGT over VUG because it had a higher dividend yield (i was way off) i do like the holdings in vgt as well and it does seem to outpace vug by a bit. On the small cap stuff, my plan is to do voo, vgt, vbr (although I'm trying to figure out if ijr is better than vbr still) then reits and covered call etfs for my roth. Then my sep i might just go with vti and emerging markets i think. I might add schd there too. Still trying to figure out what to do. Then ill just get all the dividend stocks on my brokerage account. I'm so glad I have someone to chat with about this stuff, downside of working for yourself all your life is a lack of social life lol.

[@unashamedly1776]

Hi Jake, sorry if I missed it or misunderstood, but you said "I'm going to show you how to get your weighted average." You then had us export our portfolio from Seeking Alpha, you then said "add a column for weighted average." But how do you get those percentages?

[@DividendGrowthInvesting]

Hey JP! At the 12:30 minute mark, I show the formula to calculate weighted returns in excel. =SUMPRODUCT(R31:R68,S31:S68)/SUM(R31:R68) The R in this case is the column with the weighting and the S here would be the dividend yield column. The R or S or numbers would depend on the fields in excel where you have the fields.

[@unashamedly1776]

@@DividendGrowthInvesting My confusion is how you populated that R column. When you first opened your export you didn't have an R column, you then said "then we're going to add an additional column called weighting..." and it was already fully populated with weighted percentages. I'm just trying to understand how you came up with those percentages? Thanks

[@DividendGrowthInvesting]

@@unashamedly1776 ohh I'm sorry that makes it confusing. I added the R column before the video, otherwise it would have taken too long. Those numbers are based on my own personal portfolio weighting. You would put your weighting in that column.

[@unashamedly1776]

@@DividendGrowthInvesting Ah, gotcha.

[@nikovenag4110]

You are describing the best case scenario. But what happens if market goes sideways for years? Similar to what happened to MSFT from 2000 to 2013. it didn't do much. Or $DJI from 1963 to 1982.

[@DividendGrowthInvesting]

In the early part of the video I mentioned that I try to take a conservative approach to this. With a 100% stock portfolio, the market has returned 12% a year from 1926-2021. Because my portfolio is more value focused, I calculate with around 8-9% total annual returns (dividend + capital appreciation). Here is the site I use in the video: investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation

[@Horcruxify]

hi Jake, one thing I noticed with the calculator is that capital appreciation being high actually has a significantly negative effect on your dividend income. for example, given my current situation, my dividend income goes from 53K with a 10% capital appreciation to just 28K with a 20% capital appreciation (both in year 20). obviously, the 20% capital appreciation results in a significantly larger portfolio value. so I'm conflicted here.. if I want a higher dividend income by year 20, do I have to almost wish that my stocks don't grow as fast? or should higher capital appreciation be always preferred since the portfolio grows so much quicker (even though the annual dividends are lower)?

[@Unbroken821]

I'm not Jake, but I too discovered this pattern you mention. I'm thinking it comes down to a kind of balance-scale trade-off, between dividend yield, and capital appreciation. I believe the answer to your question will ultimately have to do with your individual investing goals, and also especially your investing time horizon. For instance: If you want to have/use much dividend income rather soon (short time horizon), you'd likely prefer the stocks/etf's with higher dividend yield, at the expense of capital appreciation. But vice-versa, if you have a much longer time horizon -- since as you noted, those stocks with higher capital appreciation and lesser dividend yields, will most likely over a longer time (of course, assuming no surprises) actually contribute a much greater total portfolio value in the end. You can also shift your portfolio over time as well. Many dividend investors with longer time horizons say that they are willing to sacrifice a possibly much greater ultimate portfolio value (such as growth investors may enjoy), in order to not have to experience the psychological angst and worry regarding market price volatility during their long investment journey. I find it so interesting, to hear all these investor opinions. 🙂

[@benedekmorhorvath4230]

I'm currently 19 and I started investing into VOO, SCHD, and VGT. Is there any suggestions I should also include in my portfolio?

[@DividendGrowthInvesting]

I like all three of those and own all 3 in different accounts.

[@kaspar6969]

JEPQ

[@dragonslayer7814]

VTI For diversification

[@thomashuang8401]

Amazing that you're starting incredibly young, you def got time on your side. I wish I started when i was still 18 in HS lol

[@benedekmorhorvath4230]

Thank you all for the amazing comments, it turned out that as someone from Europe, I am unable to buy those funds, only european domeciled etfs are available for me to buy into. Currently I'm buying into VWCE, which is an all world index from vanguard. But I also think about some other etfs for some heavier US exposure, but I'm not sure just yet

[@mattjudson1456]

I am new to this but think the math is a fair way off on the example at 7:13 - the final stock price yield given after year 30 is about 8.5% ($27 / $311) when it should be 5% which would be $15 per share, only way SCHD will yield 8.5% is the stock price dramatically decreases which in turn would have a detrimental affect to the overall portfolio value...so perhaps the dividend increase tab should be set to 0%?...

[@DividendGrowthInvesting]

This is assuming the FWD yield stays at the average yield while you dollar-cost-average into the ETF/portfolio etc. No way to predict this, that is why I use the 4/yr average.

[@mattjudson1456]

@@DividendGrowthInvesting ok thanks

[@lukeschepperley8355]

Iv been looking at qyld but when I put the numbers in 12%annually vs 1%monthly the numbers vary so different this is based of 10k initial investment and 500 a month extra plus divs reinvested why does one come out like 1.5 mill vs 260k in 31 years plz idk what I'm missing lol

[@dariorocha6006]

SCHD and VYM is overkill at that point same sector of etf

[@DividendGrowthInvesting]

A lot of overlap

[@stevesaff3559]

how to sell after the ex date and reinvest on another stock that has a divident?

[@therealmusky]

isn't the formula in Excel the sum of the weighting x sum of the 5yDivGrowth divided sum of weighting =(R2:R15*P2:P15)/R2:R15*100?

[@theryandenglershow]

Nice video Jake

[@DividendGrowthInvesting]

Thanks Ryan!!

[@iambillystanley]

I spent a summer in south Florida and now spending the summer in South Carolina. There is no heat that can phase me anymore.

[@DividendGrowthInvesting]

omg that humidty must have been horrible!!

[@tvlookplay]

How do you update column D? 😢

[@m1G1804s]

What about tax? That is the most important ... reinvesting and compounding is simple

[@10783247jp]

Love the memes

[@DividendGrowthInvesting]

:D

[@wasbii22]

Hi Jake

[@DividendGrowthInvesting]

Hey there!!!!

[@Edward_ZS]

I believe the dividends per share section is not being calculated correctly

[@e.m.-lw1dn]

The dividend growth rate is NOT the CAGR.

[@Zacon2mlg]

whats a no pair

[@DividendGrowthInvesting]

au pair is an international program where someone comes and lives with you and takes care of your kids.

[@Nimsiv]

Damn, can you reduce the ad interval?

[@DividendGrowthInvesting]

I have 3 for the whole video. They are all skippable so about 15 seconds for a 30 minute video isn't too bad.

[@delliott777]

@@DividendGrowthInvesting ads pay bills.

[@steher]

There's no upside to having someone else raise your child.

[@gwills9337]

Make sure you account for 4 to 8% annual inflation. Did I miss that part of the video? These big sexy numbers are fun but real buying power of $30M in 30 years at 4-8% inflation rate is only a few million in today dollars.

[@gmc9753]

Just show your au pair a montage of the stupidest tik tok videos. But then, she might look at you and ask what's wrong with any of those videos!

[@DividendGrowthInvesting]

lol ya

[@northstar19571]

Do you have an future cast spreadsheet that allows for 18 more months of contributions, then no more contributions, and since I'd be using 1/3 of my dividend income at that time, calculate from 19 months on to drip only ⅔ of dividends for another 5-6 years?