How to Invest $1 Million to Live off Dividends Forever!

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[@unorthodocs1]

Individual stocks are a no for me. I’m using 25% each of JEPI, JEPQ, VOO, QQQM. No selling of shares. Just buy more with leftovers.

[@CalmerThanYouAre1]

Great approach and general strategy but definitely not the holdings I'd pick! I'd want less concentration in individual companies and certainly wouldn't want to invest in many of those companies with questionable long term earnings and dividend growth potential. I'd prefer something like: 54% SCHD 25% DGRW 7% BALI 7% QQQI 7% FEPI Starting yield of 5.5%, organic dividend growth rate of over 9%, great diversification, great balance between high growth tech and value companies and a very low expense ratio for the portfolio. As the years go on, and the portfolio income outgrows your needs, you could add an allocation to a pure growth ETF like QGRW, SCHG or QQQM and slowly convert the increasingly unnecessary high yield funds into the high growth fund alongside SCHD and DGRW. At the same time, or instead of the growth fund, you could also convert some of the SCHD position into lower-yielding DGRW to further improve tax efficiency and diversification.👍🏼

[@mrallan8063]

All those REITs benifited by a decade of extremely low interest rates. Don't expect the same profit growth moving forward.

[@Markazoid6041]

I would skip jnj because of all the lawsuits and billions of dollars in settlements. So I don’t think they will be able to keep the dividends where they are. Mo is also suspect because of less smoking and lawsuits. Edp is the one I don’t know that much about so I would have to do some homework on that one. Otherwise it’s a solid plan. Living on 50k nowadays is hard. I would say you need 2 million or you are going to need some growth investments built in.

[@waduz4891]

Millionär werden einfach! Investieren Sie steuergünstig in brasilianische Tiefpreis- Rohstoff-Grundstücke! Ab 1000 Hektar = 10'000'000m2 für Eur 29'900 erhältlich! Wo suchen? Im Internet!

[@taypac1775]

Even though taxes are a little different with dividends, it will still dramatically affect your model. Additionally, energy or gas and mortgages are 2 pretty important categories that aren’t factored into inflation. I hope everyone keeps this in mind.

[@numberoneappgames]

Your choices were efficient. I would've liked it if you did an average for compounding and when the portfolio would've doubled. Otherwise good job!

[@colinsmith5597]

I'd love to see this video remade with everything but individual stocks. As for individual holdings I would have found a way to add PEP. There are few industries that are "recession proof" beverage and beverage packaging I believe to be one of them. Especially when you make sooooo many different flavors under 1 roof. There's a reason you can last so long. Pepsi (60) and coke (132). They will most likely forever be in my portfolio.

[@RubicoTV]

Really nice video! Love your spreadsheets 😍 Thanks for doing this

[@toddc3135]

I would diversify even more with 1m....at least 2x as many securities with smaller allocations to any individual stock. The nice thing about individual stocks is the qualified dividend. There are many other good companies like PG, CINF, JPM and others that would be good to have a small allocation. I wouldn't touch TROW if it's struggling. Not a big fan of EPD.

[@daveadams1320]

Don’t forget about the impact on filing your taxes. EPO is a partnership which issues K1s not 1099s. Also “O” is a REIT and their dividends are not straightforward either….

[@Madchris8828]

If you have a large amount of money in a stock portfolio you really need a CPA imo. It gets to be very complicated the more assets you add

[@lez075]

I'd live off dividends with 600k, I'd go to south east Asia and enjoy $2k a month forever. And with 1 million in Europe you can live easily

[@Richardson_Mg]

Looking at Vietnam now

[@t0bakken1337]

Depends on the european country you want to live in! We do have to pay a lot of tax most places. For Myself it's 17% in tax for the first $7000 and every dividend payout above that gets taxed at 37% If you had to pay 37% in tax, this videos would be a whole different story.

[@lez075]

@@t0bakken1337 1 million giving you 4% in dividends are 40k a year, In Spain for 40k you'd pay 18%, so about $2735 a month after taxes, more than enough to live comfortably.

[@mjs28s]

@@t0bakken1337 You don't have to pay those rates less you become a citizen in those countries. Others you can avoid local taxation by being a part-time citizen (find three or four countries to rate between over the seasons). Most places, less you become a citizen or pick a country without a tax treaty, you pay income taxes with the country that you are a citizen of. BUT if you earn income in the country that you are staying (start a business there, get a job, etc) those earnings will be at the local rates.

[@wanderlust4591]

Don’t forget about hat, extra money to cover your visa cost as well as healthcare

[@unclelong213]

500k split into some high yield ETF like JEPQ, SVOL, and throw in MO, can easily achieve 50k a year, then put about 200k into some high growth ETF like voo, schd, vgt and or dgro. let it rise and in 30 years it will reward much more than what your 1mil portfolio.

[@justthebrttrk]

Dividends aren't a magical cheat code to outsmart the 4% rule or else everyone would be doing this. Dividends aren't magic free money and are completely irrelevant. The only thing that matters is total return.

[@wilhelmvon]

Is that future income essentially inflation adjusted, because the dividend growth rate outpaced inflation?

[@Levitator07]

This is awesome. Really appreciate your efforts putting this information together! 👊

[@ThisOldMan65]

Super Job. It actually helps that it clarifies the strategy. It’s pretty cool to see.

[@inquisitvem6723]

You can retire at 50 with a million dollars. My uncle was proof. He passed away at 78 and still had 10k left in his bank account. Mortgage was already paid, no car payments, took 3 budget vacations per year, only paid the necessity expenses, minimalist for most part. Shopped everything for sales when it occurred.

[@farzana6676]

10k left in his bank account. That's really cutting it fine. Leaving not much for the kids.

[@inquisitvem6723]

@@farzana6676 they’re grown and very well off. A physician and the other one dentist. They don’t need his money.

[@johncummings5350]

​@@farzana6676 I give him credit.....he definitely budgeted to perfection for himself......😂😂

[@kennypascoe4752]

@@farzana6676the kids didn’t do shit to earn it. I’m NOT here to make them rich. They can make their own money

[@Cdix]

@@farzana6676exactly what I was thinking but for different reasons, he had less than 1 year of living expenses

[@marklevy1785]

I would pick PEP over KO very similar starting yield but higher growth rate

[@stephenw1799]

In the 80's savings rates were over 10% in my country. I remember thinking all I need is 1 million and I'd be set for life because of the saving interest rates. How things change!!

[@mynameisdominichughes3142]

10%? Savings? Damn

[@Steveo_00700]

You still can live off 1 million. Just relocate to another country where cost of living is lower and follow the 4% rule.

[@stevemcgillicuddy4289]

If you were growing your nest egg, would you focus on 5 year Dividend growth?

[@joemadden]

How do you find the stocks to invest in? I understand the metrics that you say indicate the stock is good for dividend investing, but with 1000s of stocks how to you narrow it down to a short list to do further research??

[@helloitsmehb]

An SP index fund

[@loakland2773]

Great video... Very interesting.... I have them all except TROW... Appreciate your hard work and efforts in all your videos.....

[@kennardnguyen4112]

I have TROW, what I like is they have no debt and they have 2.2+ billion in cash with no debt. Very conservative management team. Long TROW

[@eddiesigerexperience9803]

This is my favorite finance channel on the web. Thank you do the great advice! I currently have some money trapped in F and MMM 🤦🏻‍♂️ should I sell for a small loss or wait to break even?

[@JS-gt5bh]

Hold or buy more shares...unless you think these companies will go bankrupt. MMM can handle the lawsuits😊

[@eddiesigerexperience9803]

@@JS-gt5bh I don’t think they will anytime soon haha, thank you for the advice!

[@johnwilson8482]

What I like about this plan is the ability to invest that extra $2,243 in year 1. That would provide extra cushion in the form of extra income in the future. In fact, invest the extra in a high dividend growth company like AAPL or MSFT since the starting yield doesn't matter. That would give more security and sustainability.

[@LiveWithStocks]

It looks interesting and useful. I learned what I have to consider when I get retired in the future 😁

[@michaeldavis5792]

How can I get a copy of the spreadseet in this video?

[@Dividendology]

you can get it on Tickerdata.com!

[@MonsieurLabbe]

Very insightful video. Thanks for all your research and details.

[@keithss67]

It’s not the amount you have invested. It’s can you live off of the income comfortably. It’s are you debt free. It’s are you also receiving social security and if so, how much. It’s how is your health and are you getting Medicare, or paying for private insurance. Its do you have any current or future dependents or responsibilities that could suddenly drain the income or principal or both. It’s where do you want to live. It’s do you own or rent. It’s what do you want to do and/or accomplish. It’s many many things that go in to answering the question. At the end of the day there’s only one real question that needs answering. Is more coming in than going out every month, and do you have confidence that that will remain the case? That’s it!

[@Duro_Cubano]

What do you think of the Oxford Club Perpetual Income Portfolio?

[@texasbuzzard4970]

I would've had some ARCC and OBDC in there, great video tho and I like most of your picks

[@shaneomack5018]

💯 agree.. arcc and blue owl need to be added

[@doctorshawn3461]

If you made a 5 stock portfolio of JEPI, JEPQ, SCHD, VYM and VOO, split 20% each you would get about 5% total yield with likely much higher capital appreciation. The dividend growth might be lower though, not sure, but you will eliminate the single stock risk.

[@BidenIsKing]

With 14% inflation in the US you would be hosed.

[@robcook3954]

I think those are non qualified dividends so much higher tax rate. That needs to be accounted for as well

[@waduz4891]

Millionär werden einfach! Investieren Sie steuergünstig in brasilianische Tiefpreis- Rohstoff-Grundstücke! Ab 1000 Hektar = 10'000'000m2 für Eur 29'900 erhältlich! Wo suchen? Im Internet!

[@doctorshawn3461]

@@fjbbiden9352 ETFs contain a collection of stocks oh great one

[@doctorshawn3461]

@@fjbbiden9352 ETFs contain a collection of stocks....stop being a piece of trash troll

[@knightalumni]

Wish you’d have discussed why you picked some of these. My guess was to cover industries not covered by SCHD?

[@rd9102]

Fantastic video. Lot's of very important information but it teaches folks HOW to do it so that it is a realistic goal.

[@jikert4815]

Need about 2M portfolio personally. That way I could take some of the dividends as income instead of reinvesting and the portfolio will continue to grow regardless

[@joeg2760]

100% spot on

[@aman888]

It really depends on your budgeting, lifestyle, and spending habits.

[@Wasteoftime10]

Sounds like it would have been better if you lived in The US when there were Defined Pension Plans, or live in a real First World Country that has a strong retirement system.

[@waduz4891]

Millionär werden einfach! Investieren Sie steuergünstig in brasilianische Tiefpreis- Rohstoff-Grundstücke! Ab 1000 Hektar = 10'000'000m2 für Eur 29'900 erhältlich! Wo suchen? Im Internet!

[@_ph4nt0mzz_47]

​@@Wasteoftime10your name is exactly how I feel about most Western countries and their cost of living. All the US is good for is laundering and multiplying whatever money you have. QOL is much better in literally any other part of the world. Gulf countries are extremely attractive with amazing healthcare and free top notch education for citizens (hint hint, kids born there would automatically be citizens). Don't even get me started on either, North African, central Asian, or even Eastern Asian countries for a better COL and stress free living standards if you can hoard your money from the cesspit that is the States

[@rssharma9]

Lovely video. Now I have to figure out how to get my hands on that million dollar pot 😀. Nice video, by the way.

[@popsmrok]

Do you have a pdf on how you set up the excel PDF?

[@PhinAI]

Why not something like JEPQ, SPYI, CGDV, DGRW, and O?

[@jimsack1]

Deeply appreciated. Thank you.

[@petkuscinta9797]

Why people focus so much on dividends as if there would be nothing else. Dividends of each decent company (say 4% annual) is nothing else but equals to 4 weeks of options premius at 1% per week. I see dividends more like a bonus among options premiums than main focus of income. Plus there is no allocation or strategy for crash or deep corrections (reversed ETF or Bonds) + gold and silver

[@MetaversalSouljah]

Whay about the actual positions? Wont they also appreciate over time if the share price increases? Where it would be far over $1m?

[@hejiranyc]

I'm in contract to sell one of my homes and I will be walking away with around $1.175 million, so I have been trying to figure out what to do with the windfall and whether I should seriously consider retiring sooner rather than later (I have 7 figures in retirement/investments as well). I'm looking at all of the options - ETFs, annuities, dividend stocks, individual stocks, real estate, etc. as well as the tax implications. So much to consider!

[@mattg9085]

Great video. Really interesting analysis and simulation. Thanks buddy

[@Dividendology]

Glad you liked it!

[@ItzHatorade]

Amazing stuff! Curious what’s your main brokerage

[@jeffj8825]

Thank you so much for this video. Been looking for something like this. Right now I'm investing 50% of my money into pure growth stocks and the other 50% into dividend growth stocks. Trying to get as much capital as possible. Then use that capital to put into a dividend portfolio like you just outlined so I can retire early. So thank you.

[@Dividendology]

That's awesome! You're welcome and good luck!

[@jeffj8825]

Hopefully can get enough capital to do this then haha.

[@lazerbud]

How to get this spreadsheet so we can tweak assumptions etc.? Many thanks

[@Dividendology]

Tickerdata.com !

[@PlaybookEmpire]

Yes sir!

[@CaptainJack66]

you do not factor in social security benefits added in to your monthly income but I see your point with your video. Also is SSA something you can depend on being there or not being cut one day?

[@slomo4672]

SS will be cut 25% in 2033 if Congress does nothing

[@seanmurphy3753]

Might not be elegance for social security. Who knows?

[@arymniak1]

Suggested reading/research - The Income Factory

[@johnnynephrite6147]

Good job Genzy.

[@hassobhatia2885]

Don’t ignore the taxes, so consider before tax dividends

[@brycehuff]

THIS! Better to use the 4% rule on growth ETFs limiting your withdrawals to under $40k so you pay 0 taxes. Otherwise you could just use a Roth IRA and don’t take withdrawals until after 55.5yrs old. Also O sucks! Malls died a decade ago, plus individual stocks are too risky (might as well buy crypto).

[@liamdonaldson6449]

When do you allow for taxes?

[@frankbuchsel293]

never, in none of his videos, which is fine once you properly adjust your expectation for a gross income

[@PLo_Trades]

Unless we switch to ETFs as we move up in age, this is a bit too risky of a portfolio simply because of the exposure to specific companies. I get some of these can be considered "too big to fail" but it might just be my personal touch. Great content though.

[@inertiaforce7846]

I agree. I would not put my money into only 10 different companies. Sears failed, GE failed, etc.

[@chrisc9389]

what about taxes? Qualified dividends would be about 15% if i am not mistaken?

[@GaltsG]

Plus state taxes in most states!

[@evancombs5159]

For qualified dividends you aren't paying taxes for the first $44,000, or $89,000 if married. So taxes are minimal or non-existent in this scenario.

[@DeepStatePuppy]

@@GaltsGmove to vegas

[@OldLion64]

This is good stuff. Especially for those of us already close to retirement. You forgot to subtract out taxes but this would still work. You just would only have about 5K left. I like half your picks. SCHD, VICI, and MAIN (I have these on my list already) and TROW I will add. I think if you want an oil stock exposure I would check out DMLP. That would fit right in. If one wants to be more aggressive than swap out SCHD and use JEPI instead. Finally I would add a couple ETFs for diversity. SVOL will help with the returns and is usually very steady although that is entering a danger zone now. I had that one for a long time but got out last year. Maybe pick 1 other asset class as well. Maybe CCRV just to hedge inflation as that seems like it will be an issue going forward (no more free money 😟 )

[@Dividendology]

Thanks! Taxes can depend on a lot of variables, but married couples in the US can earn up to $116,950 in dividends every year and potentially pay zero in taxes. Depends on a few factors, but dividends can be extremely tax efficient during retirement.

[@spalace7919]

I thought there was a 15% dividend tax regardless. Didn't know about the $117k thing. Video on Dividend Taxes might make a good future video 👍

[@Dividendology]

great idea!

[@Sylvan_dB]

@@spalace7919 Qualified dividends (SCHD but not JEPI, JEPQ, VICI ...) are taxed at the long-term capital gains rates. Those are stacked on top of any ordinary income, but taxed according to their own tax table. For mfj in 2024, it's 0% up to 94050, and the standard deduction is 29200. So if you have no ordinary income using any of that, you can make up to $123,200 in the 0% rate bracket. After that the next bracket is 15%.

[@SomeUserNameBlahBlah]

Dividends are taxed as normal income for "ordinary" dividends. If a dividend is listed as "qualified" then the taxes for a single person is: zero taxes on the first $47k, then 15% tax on $48k to $550k (these numbers aren't accurate but really close). If you're married then double the rate: zero taxes for first $98k and 15% taxes for $99k up to maybe $1M. Point is that it matters if a dividend is "ordinary" (taxed as regular income) or "qualified" (taxed as capital gains).

[@dr.lopuckdds2603]

Nice presentation. At what site are you using to see the funds/dividend

[@Dividendology]

Seeking alpha! Link in description.

[@rtg97229]

Might it be a good idea to tell people about the tax differences from distributions on L.P. companies if you are going to suggest buying one for that distribution that you call a dividend? Seems like important information that could have a huge impact on someone if they don't know what they are getting into.

[@knightalumni]

EPD has K1’s? Which I avoid. I have ENB. Also, while I have JNJ, it’s got litigation risk still. I also keep my REITs in a Roth. Lastly, the port should have more than 10 positions. Oh, and I think long term inflation is around 3.1%. But the video’s premise was good, and I’d like to score a copy of your spreadsheet. I’d have a pension with a built in COLA that loses to inflation, but could model it as if it were a stock and the COLA as the divvie growth rate, I think.

[@aman888]

Is there a benefit to keeping REiTs in a ROTH?

[@leo158]

I love this kind of content, the exercise of walking through how is educational, however in this particular video taxes aren't covered enough. Assuming no job, 50k a year will be taxed. With some of the tickers shown here, like O and Vici, tax will be ordinary income and not qualified dividends. MAIN is usually split 1/3 qualified 2/3 not qualified. With taxes included, I don't think 50k a year is actually achievable. There are also other factors like , if you own a property, property appreciation = higher property tax over time as well. It was a great video overall though, the thought process behind having dividend growth keeping up with inflation is something many people overlook

[@Dividendology]

Same response I gave to a few other people. Taxes can depend on a lot of variables, but married couples in the US can earn up to $116,950 in dividends every year and potentially pay zero in taxes. Depends on a few factors, but dividends can be extremely tax efficient during retirement.

[@preciouspearl487]

​@Dividendology what about single?

[@PeaceAndWheelies]

Thank you for sharing your knowledge! @@Dividendology

[@PermacultureHomestead]

i personally think this port. has some unnecessary risk. there are income funds out there that are made for something like this. my dream 1mill port would hold, JEPI, JEPQ, SPYI, ARCC, WMT, CVX, NEE, VZ and likely O but even O has some probs coming down the pipeline.... i would likely hold AMZN and sell covered calls weekly against it for added income as well, running the wheel on AMZN is easy money

[@evancombs5159]

To be frank, your choices are riskier. Some of them go against the whole idea of living off dividends. Some of his smaller picks are questionable, but his foundation is pretty strong.

[@genekelly8467]

Good podcast: I recently becan (mandatory) withdrawals from my 401K. Through frugality and good planning I find I can actually save a good part of my distribution. How can I invest this money so as to avoid double taxation? Municipal bond funds are exempt from taxation, but yield very little..any suggestions

[@nottodaynsa4782]

Qualified dividends are tax free up to $92,000.

[@ramzee2581]

That’s a great video ! Thanks

[@BenJune09]

Well done...enjoyed the content on this one.

[@Dividendology]

Much appreciated!

[@erictheise9048]

Taxes?

[@jamesmccarty8988]

My cost of living (food, petrol,insurance, HOA, services) sure increases faster than 2.5%--hard to believe the official numbers

[@Dividendology]

it's higher right now, but around 2% -3% is the historic average

[@famicomnintendo]

I would put most of it in dividend stocks and live off that

[@srossano]

Is there a template of the spreadsheet used in this video available for download?

[@Dividendology]

All my spreadsheets can be downloaded on Tickerdata.com !

[@jasonluong3862]

I don’t plan to live forever, but if you mean I can bequeath the portfolio to my children, then I suppose starting with 1 million and growing with each successive generations.

[@Rodrigo_Abate]

Please, make a video valuation for NVIDIA !!!

[@Galforontegamer]

Great video, but do those dividend yields take into account taxes applied the moment those dividends are paid?

[@aman888]

Of course not. Everyone has a different tax rate.

[@henrywinterheld1773]

It is important to mention that some dividends may be "qualified" while others may not. Qualified dividends fall into a much lower tax bracket, depending on income, than non-qualified (which are taxed at normal income tax rates). Good video though

[@murkri8723]

please talk about taxes here... how much will go in taxes? 15%?

[@seanmurphy3753]

It’s impossible for him to know. Everyone can have a different tax situation based on your nationality, where you live….

[@tonyf7997]

Sorry I disagree with your calculations because as a person or couple age they actually spend less, usually over 70 Personally to live off $1m I would do a 3 fund investment strategy with 3 selected individual shares - works fine and generates more than you need with both diva and geowth!

[@mikelalor424]

Split $1M between SPYI, QQQI, and SVOL. That should pay $120k. Each year re-invest 49% of the income split between the sane big tree. That the rest and buy HESM, SCHD, VICI, and whatever flairs your boss. The portfolio is full of diversified ETF and the excess dividends free your income

[@JonHassellProphecy]

I think I'm gonna do this, so SVOL will also give protection against spy and q cause it'll go up if market tanks?

[@DeepSpaceus]

@@JonHassellProphecy No. SVOL will go down if the VIX index goes up. In a crash or quick correction SVOL will not be good. In 2018 there were many of these volatility ETFs that went out of business because of a sudden drop. SVOL has a little more resilience because of hedging, but it is still high risk. SVOL is good during small volatility times, but could tank if there is a bigger correction.

[@JonHassellProphecy]

@@DeepSpaceus I see, that's why imma wait, most of these will probably go way down, but eventually that vix is gonna scream, will accumulate these then

[@Scott-cu4ol]

why no JEPI?

[@michaelthibault4326]

What about capital gains taxes?

[@mikegarcia8412]

In the US I believe you are cover up to about 50,000. Probably why he is not accounting for taxes. Also, the assumption is all your income will be dividens if you have other income I think you are treated according to your tax bracket.

[@gusmotorsports]

You did not mention Taxes

[@matsonnerby]

It depends on how old you are. My dividend calculator came to the conclusion that I could retire and live on dividends at the age of 130.😢

[@winnerwinnerchickendinner8809]

This is just portfolio not counting your ssn or pensions if you're lucky

[@sleepingwithjulian311]

I think you should add omega healthcare to this portfolio

[@JS-gt5bh]

Warren Buffet has loved dividend paying companies because he did not take the dividend he reinvested that dividend to get more shares so the payout next time just increases...but this is a slow long long term strategy. Very good! Remember? More risk more reward😊 which means over time growth stocks or even growth mutual funds will be better....I like anything that has to do with technology...the richest men in the world today? Generally tech or tech related....who does not have a cell phone? I like a fund VGT for the long haul. 😊

[@untouchable360x]

Just don’t do cocaine.

[@barnyard4068]

😂😂😂Facts

[@ronadami5747]

Not to worry. If you do cocaine, you won't live long

[@nikitakoritsky9548]

You can do it, and it will bring in some hefty dividends. Just do not consume it yourself

[@jlmain5777]

Like all financial advice “first you get a million dollars…”

[@racay9082]

QYLD pays 11.65 monthly dividends.

[@armymedic407]

Thank you for sharing your knowledge :) are you able to share your dividend template :)

[@Dividendology]

I'll make it available on Tickerdata.com ! That's where I share all my sheets! :)

[@bigjohnson7415]

Ok, so how many of these would turn into "Qualified" divided payouts going forward?

[@therealdoctory-roblox3844]

What impact will a big market crash have on this dividend income plan ?

[@levlx7788]

Lately Inflation has been way above 2.5%….it’s been at least double that.

[@davids2009]

cant access to your spreadsheets. can you show me how?

[@Dividendology]

They are on tickerdata.com! Email [e-mail] if you need help :)

[@CanuckDividends]

Good breakdown of how easy it would be starting with $1 million. All very solid companies

[@FJX716]

That’s crazy. I actually have positions in all of these companies and if I boosted my allocation, I’d have sped things up so much.

[@camc8923]

Great video

[@Dividendology]

Thanks!

[@jeremyparker8459]

After paying the bills, rent or mortgage. How many people actually have a million dollars that they are able to invest? Interesting but not realistic for your average person.

[@joefisher1122]

I am absolutely doing this myself tonight. I do think you're a little heavy on REITs being a third of your portfolio and I personally would not go so heavy on individual stocks, maybe 50% individual and 50% funds

[@JS-gt5bh]

Good videos! Informative! Thank you but? There are many ways to skin a cat yes? $1 million invested a few Vanguard funds can give you a 10 per cent growth which is $100,000 per year. Of course, some years it will be negative. Either way you are dealing with stocks. A fixed annuity is probably more stable is it not? This is a good video do not get me wrong but if I was going to do this I would look at companies with yields at least from 5 to 10 per cent. MAIN for example? Of course, is your $1 million in a ROTH account? Taxes? Cheers😊

[@troymifsud1934]

Can you elaborate on the impact of federal taxes to this example in a future video.

[@Dividendology]

Yes!

[@bruced.370]

Good video

[@rjones2000r]

Better yet if the million is already in a IRA just roll it into a ROTH over a few years and after you pay the income taxes you can keep the dividends tax free.

[@amanlalka2680]

Assuming a 0% tax rate. You forgot to include that

[@rssharma9]

No one talks about taxes so I am assuming that taxes are zero 😀😂

[@boysherman]

If they are qualified dividends, then taxes are 0% up to certain limits.

[@noahkyurem]

Up to like 44k for singles I think​@@boysherman

[@brettgreen9247]

If you are married, retired and living off dividends, it should be tax free up to nearly $90k in qualified dividends and long term capital gains

[@dallastuggle8901]

I'd argue it kind of does include taxes. Assuming it's not a qualified dividend you are probably paying normal income tax on a dividend. Not explicitly included here, but when people say you can probably live off $50,000 that usually tends to be a gross 50,000. So if you can live off a gross of 50,000 then that means that you can pay the taxes on that gross income, and continue to be able to afford your needs. So he's basically assuming a gross income, which will have a real income that's liveable. In most places of course, that will be a lot harder in some parts of the country.

[@Jayvazquez15]

Nice video!!

[@LoveIstheAnswer696]

I am not sure where you live but in our country inflation is actually closer to 20% annually since 2022

[@robb6391]

Good video however 8/10 pics are down on a 3 year chart .

[@ASNS117Zero]

I mean... if you have a million dollars, you can probably just distribute it over a few funds, take enough of the dividend to cover your living expenses, and then drip the rest back in.

[@user-nz7dq6ee9p]

Good stuff...what app do you use when reviewing stocks? Thx

[@Dividendology]

Seeking alpha! Link in description.