How Much My Dividend Portfolio Paid Me in May! ($174,000 Account)

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In this video, we go over exactly how much dividend income I made in the month of May. Let me know your thoughts in the comments below!
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[@Dividendology]

Access Tickerdata and my Spreadsheets: tickerdata.com/ Get a 20% off Coupon to Seeking Alpha: seekingalpha.me/Dividendology Join my free newsletter! dividendology.substack.com/

[@TortoiseInvesting]

You'll be at $200k before too long! Awesome seeing your portfolio grow over time

[@nathanfranck5822]

The biggest growth contributor is Patreon I'm assuming

[@LiveFreeInvesting]

There is a fallacy in dividend growth thesis is the assumption of no dividend cut and the company continues to grow exponentially and that is improbable. I would do a 60/40 as in 60% high yield dividend amd 40% dividend growth. Another strategy is high dividend growth and use the dividend to index

[@HermannTheGreat]

They're also assuming all the companies continue to perform well, which clearly won't be the case. Changing sectors, changing management, black swan events. This is why an S&P index will always outperform dividend growth over a longer period of time 25-30 years etc, and possibly shorter period of time. These facts don't even bring up your point of Dividend Kings/Aristocrats having to cut dividends due to mismanagement of the company etc such as ADM and VFC, WBA, etc.

[@Jpsantos94]

@@HermannTheGreatyep. This is why I buy VTI and VXUS

[@hulkman4004]

@@HermannTheGreat Companies can continue to do well charge more for there products they are ready doing it.

[@michaelbrand1459]

Here is a question I’ve pondered for some time. The stocks with significant capital appreciation, do you sell those and buy a higher dividend yielding stock to utilize that appreciated capital? The math added up you’ll get more dividends. Does the strategy make sense or just hold the stocks and let them ride and buy more in the positions you have? Just a thought too.

[@DNin210]

Higher dividend yield could be a trap. You need to research the equity. A high yield likely indicates something is wrong with the company.

[@polishgarnek]

I sold my entire portfolio to day-trade buy X3 Leveraged Nvidia and I already tripled my money So I'm slowly gonna start buying back, should I just buy or wait for dips? I can wait since I get around 6%/year for holding cash

[@DNin210]

Let me know how that strategy works out in the end

[@paulb9156]

Won’t high growth dividend stocks eventually catch up and become high yield whereby they’ll flatline as well?

[@michaelphillips6991]

Not necessarily. The ones with low dividends appreciate with time and inflation. So as the stocks go up over time, they have to increase the dividend at the rate of inflation or you’re not growing like you should.

[@Holysoldier000]

he would sell those stocks and buy something with more dividend growth potential

[@MrGameMeister]

Are capital gains taxes factored into your final earnings? I understand that you are reinvesting your gains, but it’s pointless to show your cost of living comparison as without withdrawals you never be able to use the money. Possibly another chart that shows the withdrawal and use of funds after a certain point. That way you you can visualize how rapidly your portfolio is depleted.

[@jakebasara5573]

I think sometimes you forget to mention that the divided stocks with low yields and high growth will not continue that high growth rate forever. They will eventually taper off and become high yielding stocks themselves. So to me the benefit of low yielding high growth stocks is not the divided, it is the capital appreciation (actual growth).

[@chels2394]

Do you also have a "regular" etf portfolio besides this dividends one? Do you recommend that, and should they be in the same portfolio or separated?

[@Dividendology]

completely dependent on your goals!

[@fantasy9917]

Huh, I had about the same dividend with a 22k portfolio this month - true, this was my high month while it was your low. AND it was caused mostly by BTI. But I don't quite subscribe to your dividend growth approach - I'd rather invest in high-yield stocks first and then reinvest the dividends into dividend growth stocks and ETFs.

[@christopherhamilton5557]

Reduce positions. 30 is too high. However, nice work nonetheless. Wish I had known the power of dividend stocks when I was much younger. Great info in here and very well done presentation. Pacing was fast but consistent and you covered a lot of info. 👏👏👏

[@Dividendology]

Agreed. Plan on reducing closer to 25 over time

[@ukasz1029]

@@Dividendology @christopherhamilton5557 Can I ask why it is better to reduce? If the intention is to keep them forever, what's wrong in having a number of 100? I have around 500 usd to spend a month and if I seek opportunities to buy another, its better to keep money and wait for another opportunity to buy stock that I already have? Is it just for the ease of tracking? tracking perfomance now seems to be easy, but Im new to dividend investing

[@MrGameMeister]

At what point will you dump a stock from your portfolio? I’ve noticed MMM has been negative growth for a while. As the rest of the portfolio is up, why hold onto it?

[@BossPookie]

Put your cash in SGOV or something paying 5%ish ... or not. SNSXX or SWVXX other options, monthly pay and liquid.

[@rthilson]

This is my thought keep In fidelity cash it’s paying 4.95% and zero risk

[@DNin210]

These are great for cash holdings. One should be careful though holding too much in these positions. How many people are holding cash right now and at the end of the year they will be looking back and realizing that holding cash over the past two years one will have missed out on +40% gain in the S&P 500. Ouch.

[@TheGoldnDog]

So what i think i hear you saying is you prefer dividend growth stock over high yield ones? Keep going. Im almost 200k myself

[@DNin210]

Look into selling calls and puts. Running the wheel strategy. Very easy and safe. Just don't get greedy trying to capture juicy premiums.

[@TammyWhite-gl7sh]

I'm new to dividend investing (55 yo; DH 62 yo), currently have small positions from my Roth IRA ($2800-$5K) in MO, TGT, QQQY, QYLD, O, CIBR, BUG, JPEQ, SOXX, SVOL, IWMY, IYW. I have another 20K to invest and looking for best options. I'm looking for income in retirement (probably 2-5 years for my DH) to supplement his pension (to hold off on taking SS as long as possible). I'm not sure if I'm on the right path in my current investments. Still learning but so much contradictory information (or accurately - advice) out there.

[@DNin210]

I would contact an investment advisor from Vanguard or Fidelity. I would look at simply investing in VOO. If you are looking at a dividend stock, MAIN has been good for me. Pays monthly dividend and I reinvest the dividends. I would dollar cost average into any position. MAIN is at a 52 week high now so if you like that position, I would slowly buy into that stock. Keep in mind, most investments, advisors, etc... rarely beat the S&P 500 so going with VOO (low cost S&P 500 index ETF) is the way to go.

[@iBRuss23]

I have a handful of stocks I’m no longer investing in, with holding values less than $200. Is there any point in holding into them? Or should I sell and reinvest into my portfolio?

[@seansuwanto9522]

Please educate me, why SCHD 3.4% better than capital one 5.2% CD? And also why on dividend day, stock price drops by the same amount? Where is the gain in that case? Thanks in advance.

[@Dividendology]

Great question. I answer in this video: Why Dividend Growth Investing Pays BIG! kzbin.info/www/bejne/fYKrlmqCms-be8k

[@growingwealth101]

​@@DividendologyJust loaded up on SCHD. Only way I can invest, focusing on the dividend > stressing out over the stock price. Would love to buy DGRO on a pullback.

[@acidbracelet3697]

I'm new to investing. I have one question; why not invest in the high yeid dividend until the high growth dividend stick surpasses it and then switch

[@EightUp000]

Mathematically, you should buy growth stocks as they have better returns and favorable taxes compared to dividends. (Debatable if youre using a tax advantaged account like a roth ira). Once you have enough to live on, sell them and buy dividend stocks. There is definitely a psychological aspect to dividends though, getting passive money every month feels really nice. Imo- buy the s&p 24/7, then in 10-20-30-40 years sell it and buy schd, bonds, O, stuff like that.

[@hagank866]

Because the growth dividends won't surpass the high yield dividends if you didn't lock in the price (yield-on-cost). To get the benefit out of dividend growth stocks, you need to lock in an early price so that your yield-on-cost will eventually (hopefully) outperform high yield dividends.

[@EightUp000]

@@hagank866 that’s also correct. I was speaking specifically to growth only stocks, which is almost a misnomer because even they usually give some dividends.

[@TheTaxxor]

growth stocks usually don't only grow their dividend but also their value. That way the starting dividend won't change that much over time and may even decrease. A dividend growth stock at $50 that has a dividend yield of 2% ($1) that increases dividends by 5% a year and also increases value by lets say 7.5% a year will still have an even lower dividend when you buy it 10 years later ($103 buy in, $1,63 dividend -> 1.6%). But if you bought it now for $50, your personal dividend yield will be much higher in 10 years($50 buy in, $1,63 dividend -> 3.26%).

[@EightUp000]

@@TheTaxxor but a growth sock will increase in value much more than a dividend stock pays. Every dividend paid comes out of the nav so at the bare minimum it’s a wash, add in taxes and it’s a loss.

[@MosaHusneara]

What is the risk return for dividend portfolio yielding close to money market 4.30% Vs equity risk premium. I understand the capital gain but is risk/return attractive for this approach? managing 30 positions plus capital gain accrual for rebalancing. I am not criticizing, but your video is encouraging.

[@Thewealthyinvestor-cn3sg]

I also invest in dividend growth stocks but how is it possible that UNH or Visa will pay more in dividend than let say Main street capital, Vici, realty income, JEPQ or QQQi? Because i don’t think it’s ever possible for UNH and Visa to ever pay that much because the yeild will never be as high unless they grow the dividend each year for decades at way higher pace than now. It’s also assuming these stocks will never have difficulties in revenues for the next 2 decades. Because EPS directly affect the potential for dividend growth..

[@amigi5001]

Value 174k, cost around 150k?. I really do Not get it why people waste their time with stocks?! Please answer…

[@t0bakken1337]

having the cash you'd lose 2% each year. If you earn 80k/Y and lose 2% it's probably not that big of an issue, but if your savings is in the millions, at some point you'll lose money faster than you'll earn more. To combat this, you got to invest in something that increase it's value more than 2% (inflation), else you'd probably have lost a lot of money for no reason 60 years down the line. Most people get a home, bricks is said to be "the safest/best investment", but thats mostly meant bc everyone gets a house or apartment at some point, that could potentially end up being their saving account in a way. Other people will rent for their entire life, they can only really combat inflation by investing in one way or another or simply by living paychekc to paycheck and never really get a secured life.. depending on a job forever not to fire your ass and still having ZERO money at retirement doesen't sound fun for us who spends time investing.

[@MrMiniPilote]

So the comparison between high-yield and dividend-growth stocks was interesting. What is the average length of time that dividend-growth companies are able to continue to grow them because many companies have had to reduce them lately. Thanks for the content.

[@Dividendology]

That's a good question. It depends on many variables, such as what you define as a 'dividend growth' company. The reality is you need to look at the underlying free cash flows and assess their ability to grow over the next decade, because that is where the dividend growth will come from. Some stocks have been able to maintain great dividend growth rates on average for 50+ years. For example, look at Lowes. 62 years of consecutive dividend increases, and they have more than doubled their dividend payment in the last 5 years. There most recent dividend hike wasn't quite as high as their historic average, but the 3 YR and 5 YR dividend CAGR remains high.

[@TheMicsaund]

Where are the spreadsheets you show? I only see a paywall.

[@Dividendology]

Tickerdata.com !

[@anonymoose2474]

Why would you do this with a brokerage instead of investing into roth investments

[@Andy-is]

I read that the projection for Schd is 6 % from EPS and 4% by dividen and 6 % CAGR going forward and growth has slowed down with the reconstitution. What are your thoughts on this projection by factsheet?

[@nalim2499]

I wanted to ask the question, a few of your holdings (such as TXN, Coca Cola, etc.) you hold both individually and also inside of the SCHD ETF you have. How do you come to the decision to buy the stock individually while them also constituting a portion of the ETF you hold, how do you decide how much more an exposure you want to the business by buying the individual stock and have you seen any positives/negatives to this approach. I am currently building a relatively similar portfolio in terms of thinking to yourself (using stocks listed in Australia due to great tax advantages with dividends there) and some individual stocks look like a very good buy for me at the moment (current price and potential) but are contained in the broad based ETF I also hold.

[@everettmoore5566]

Do you have a separate portfolio that focuses more on growth and speculative stocks? This is a nice safe portfolio but in this market there so many opportunities. Just curious because I have started to focus more on dividends recently where as a year ago I was merely focused on growth and speculation.

[@leksaruta9636]

I have SCHD on my Roth IRA I got $560/year but should i invest more of SCHD in regular accounts ? I love capital gains and dividends it hard for me ,my portfolio right now 180k

[@johndoeee888]

How about JEPQ (ETF Dividend). Div. Yield 9.78%. Your thoughts on it?

[@DNin210]

Need to look at the NAV of the ETF. Are they paying out dividends at the expense of the fund itself. High yields are most often times an indication something is not right. You might get 9.78% return today but the ETF itself continues to decline in value.

[@filb]

I agree with you. I'm a dividend growth investor too. The moment one of my companies can't grow their dividends above inflation, it's out. The only time I may hold is if a company increases it for 1 to 3%, then I may be patient to wait a year and see if the following they will increase it more...if I still see it grows again 1 to 3% the following year again, then it's gone. I do not accept a company paying on par or slightly below inflation 2 years in a row. Of course, if they freeze their dividend or cut it altogether, it's an automatic sell unless there's an exceptional reason for it (Covid is a good example where I could forgive a company).

[@kyng386]

Do you automaticly reinvest dividends in the same stock or keep it as cash untill some buying oportunity comes along?

[@Dividendology]

Auto reinvest

[@douglash.8862]

KEEPING My Dollars, in Cash and Buying only, the "Major Dips" of, Div paying, CEF/ ETF's for MORE,.. "Compounding" of,.. Dividends ! I also Keep, 20% in Cash for, the SAFETY of preserving my,.. "LifeStyle" and,.. to Sleep GOOD at Night !

[@devandebie55]

@@douglash.8862It won’t grow near as fast if you wait for the drops.. auto invest and watch your investments

[@mysaorsa]

I love your videos! How do you think about the tax inefficiency of this strategy vs a growth company that uses free cash flow for share buybacks instead of dividends? Capital gains make my portfolio happy :)

[@nicholasmarsh5405]

I wonder, has the projection for how long it will take for you to live off dividends changed over time? Except for the linear passing of time of course.

[@Dividendology]

Nice question. Yes, it obviously decreases over time to to due dividend growth, reinvesting dividends, and new contributions. At times, I also try to contribute more capital to my portfolio when I can afford to do so, which would also speed the process up. My current cash position of around 19k is also not accounted for in the model, so technically if I really wanted to I could account for that to slightly bump up the model as well.

[@fugazishoegazey648]

Love these breakdowns - for your individual holdings are you trying to roughly match the sector weighting of SCHD? Have been thinking alot lately about weighting and have had fun looking at the weightings of the big etfs on SA - I'm intrigued by trying to match the weighting of DGRO roughly for my individual holdings as I'm just getting started. Keep up the great content!

[@Dividendology]

I don't necessarily try to match sector weightings of dividend growth ETFs, but that can be a great place for many to get started!

[@jakdorosnezostanewikingiem2817]

You inspired me with Daily Dividend Calendar - as I live and invest mostly in Poland, monthly form would be enough for me (most companies here pay dividends only one per year), but still, I appreaciate your idea, thanks a lot!

[@DNin210]

Look at MAIN. Pays monthly dividend. Has been very good holding for me. It is at a 52 week high right now. So, I would slowly move into this investment right now (dollar cost average).

[@garretthowell458]

Question, once you start living off the dividend payments, they won’t be reinvested, so would the payments stay the same or go down over time since they aren’t being reinvested?

[@Dividendology]

Nice question. If you buy dividend growth stocks, even after you stop reinvesting dividends, your dividend payments still grow, because the stocks that you hold are increasing their payouts every year.

[@AndrewPiercy]

but what happens at year 15 when you could finally start living on dividends so you stop reinvesting them AND you can no longer contribute $2500 per month to your portfolio because you said goodbye to the income stream that was enabling it because you're now going to live off dividends?

[@Dividendology]

Good question. If the dividend growth rate of your portfolio is above the rate of inflation, then it doesn’t matter. Your dividends will always be above your cost of living, even without adding capital of reinvesting dividends.

[@SanDiegoOfficial]

My crypto portfolio is about same size. 178k. The last 4 months I've made $1000 in "interest" that I re Invest

[@dietrichhenne3172]

How do you technically re-invest? On my account, I have transaction cost per order and on the relatively low dividends per position...this would not be efficient at all, if I immediately reinvest in the same stock

[@Dividendology]

Most brokers don’t charge for this. You should look into switching.

[@jaygrenham]

You definitely need to switch Reinvest dive ss should be put on auto and there is no fee Check your acct It may be as simple as clicking a box yes to get your dividends automatically invested Thiere is normally no fee attached to this Google is your friend …

[@dietrichhenne3172]

@@Dividendology OK, understood...I am in Germany with a German account and some stocks offer you options to get cash or stocks, but I haven't seen a re-invest option yet. Will do some research. Thanks

[@ukasz1029]

Hi I appreciate your work and like your movies. I have one question, but anybody who knows can answer: Why do you want to have ~30 holdings? If the intention is to keep them forever, what's wrong in having a number of 100? I have around 500 usd to spend a month and if I seek opportunities to buy another, its better to keep money and wait for another opportunity to buy stock that I already have? Is it just for the ease of tracking? tracking perfomance now seems to be easy, but Im new to dividend investing

[@emanuelbandrabur5338]

Are you adding the monthly $2500 contribution into the monthly cost of living? I think you should or how else are you going to come up with this money?

[@StrainXv]

Are you spreadsheets free or do you have to pay for them?

[@Dividendology]

All spreadsheets are available for premium members on TickerData.com

[@u2fkeys665]

im getting $600 from 5% robinhood interest.

[@happyfuntimepewpew]

mo is the best

[@WEIXELTOWN]

With $1,341 you could live off your dividends...just not in the U.S. Sri Lanka or Philippines maybe.

[@Clunkledunk]

I'm fairly new and still have some higher yield holdings from when i first started (like 135 shares of MAIN and 37 shares of SPG) that have been doing well for me but recently started to just let those run on drip only and started buying 2 SCHD and 1 VTI per paycheck. It's really cool watching the portfolio value climb slowly but surely. I don't think I'm ever going to live off dividends, but if I can get to a point where I'm making consistent supplemental income I'll be happy with it.

[@gustavo3322]

Huh, I have a Portfolio 5 times lower than your portfolio, but in yearly dividends its as high as your 2023 dividends. You might have to relook at your portfolio. With that amount in your portfolio you should be making at least 15k a year in dividends.

[@Dividendology]

Nope. Dividend growth out performs long term.

[@gustavo3322]

@@Dividendology that is true, no arguing that dividend growth is the way to go for long term. Although I have some stocks in speculative which once I make profit, will sell, pay my taxes, and the rest will go towards dividend growth. The portfolio that, the quantity that I have in dividend growth, is as high as your 2023 dividends with 5 times less the amount. For example, look at Eco Petrol (EC) which has a high yield that pays Quarterly.

[@nelson2504]

30 stocks.....u should just buy SPY....lol

[@Ruben-zz3ph]

Go all in on NVIDIA

[@MoneyMan28]

Don’t make a kid because it costs like $100,000 dollars from 0 to 18 years Be single like most people so a major accident never happens

[@claudiosousa6871]

Your not even close on your comparisons for example if you purchased 100 shares of jepq for 5200 you make around $3000 in dividends in 10 years $6000 in 20 years…if you buy visa for $5200 you’ll have 19 shares over 10 years you’ll make around $800 in 20 years $2400 …assuming all dividends are reinvested…having said that I like your portfolio and investing strategy…don’t care for the negativity on high yield…

[@Dividendology]

Not really negativity on high yield. It just has different strengths and weaknesses.

[@luisfonseca7696]

First i would like to congratulate you. I think you’re doing an amazing job and bringing great value to the one’s who watch of follow the chanel. As a fan of your work i would also like to ask, i’ve not seen any BDC analysis from you and wanted to asked if it would be possible to see this linda of analysis from you or if there’s a reason for you not have it done already. I would like to see your work regarding for exemple MAIN or OBDC. Nevertheless, i wish you the best of luck and continue on the great job you’re doing.

[@faundr]

174k and you don't own nvda? You've got a lot of junk in there. Sell and get some nvda.

[@AIHow2]

$NVDA doesn’t pay dividends. He is only talking dividends.

[@sheldonmackay]

Wishing everyone success on their investment journey🙏🏼

[@drewyoung2102]

Just do not get fascination with dividends. What is it? You want max returns not games.

[@neksyn7954]

I'd say the appeal lies in passive income generated without having to lift a finger

[@VITORB82]

This is like OF but for us Excel nerds

[@Dividendology]

😂😂

[@myline8952]

Park all ur 174k into QDTE and u will earn 829 a week .. :)

[@Jawnderlust]

Holy mother of excel...

[@Dividendology]

😎

[@bibbidi_bobbidi_bacons]

Dividend stocks live in perpetual downtrends

[@Dividendology]

Go look at Visa, Broadcom, and Microsoft and see if that has been the case.

[@MosaHusneara]

@@Dividendology how about MMM, PFE, T, VZ?. Your example has dividend yield that is below risk free rate of money market.

[@thangnguyen-iy4xf]

spyi will get u high yield roughly 1% a month on your capital

[@ParagonTheComposer]

Do you use some of your capital to invest in gold or silver? What is your opinion on this?

[@EightUp000]

Gold and silver are historically not great investments. They fluctuate as much as regular stocks and don’t have a great return. They also don’t produce anything- when you sell youre just hoping somebody buys it for more than you paid. Vs buying MSFT, that makes computers and programs that have some value to society.

[@ParagonTheComposer]

@@EightUp000 What about investing as more of a security/insurance instead of a standard investment, like a stock?

[@EightUp000]

@@ParagonTheComposer if youre looking for security than government bonds are your best bet. Of course they could fail but at that point, you should have invested in guns and ammo 😂

[@kenpumphrey8384]

Gold and silver are for the foil hat crowd or if you enjoy having it. Storing the physical metals has cost and difficulty. If you're really worried about a SHTF world, then brass and lead make way more sense to invest in.

[@EightUp000]

@@kenpumphrey8384 my thoughts exactly

[@katcuylervideos]

Get out of real estate. That's my advice, the capital is highly susceptible to high cost debt.

[@brianyegerlehner9157]

The real estate market will recover, just like all markets do. Just think of the long term.

[@katcuylervideos]

@brianyegerlehner9157 I am, it's already priced at a valuation that's unjustified, even with the discount.

[@MP-th6ob]

You have to look at the structure of the debt. If the debt has floating rates or has to be rolled into new debt because of balloon payments, it is certainly not good. I believe VICI has some of that going on. On the other hand, if all debt is long-term, especially if it was locked at super-low rates, there is no risk from the debt. To be clear, that does not mean there no risk at all. A company may have a deteriorating tenant base, which seems to be the case with MPW for example. But, I wouldn't make a blanket decision to get out of real estate. Just like with everything else, when there is a headwind, there will be losers, but future winners can be picked up cheap too.

[@michaelphillips6991]

It will go up when rates come down. So might be a great investment. 🤔

[@Ironmike341]

​@@katcuylervideosI bet 20 years from now we would be wishing for today's prices again.

[@VoltLover00]

More S9 shilling

[@ssshawn0007]

You need to account for the 35% tax you would receive on your annual dividend yield.

[@Dividendology]

I’m not getting taxed at even close to that rate. It’s way lower. Plus most should be utilizing a tax deferred retirement account.

[@MP-th6ob]

Qualified dividends are taxed at 0%, 15% or 20% depending on taxable income and filing status. Most of his dividends are qualified. If you are married and make less than $89,250, there is no tax on those. Nonqualified dividends are taxed as ordinary income. Dividends from VICI and O are nonqualified. SCHD might also have a nonqualified component. There might be more I missed. You can also defer taxes on all the dividends if you operate within a retirement account.

[@nicholasmarsh5405]

First

[@Dividendology]

🎉

[@genericusername5909]

Living off the pitiful yield of most American stocks sounds like that guy in Greek mythology who had to spend his afterlife filling something with water using a sieve

[@rtboss959]

Fisrt😂😂😂❤❤

[@chinaboss6683]

What a show off.

[@Walker956]

jesus christ why do you neeed 5000 every month. lol

[@Dividendology]

Because inflation compounds over time just like investments.

[@NetBandit70]

You might want to put that cash to work in something like SWVXX. Good yield and liquid.

[@tradingwithtravis6896]

Do you own tickerdata?

[@Dividendology]

Yes, as well as a developer/friend of mine :)

[@tradingwithtravis6896]

@@Dividendology nice!

[@lancestar9217]

Question if your older and later in life to start investing in divdend income stocks wouldn't it be better to focus on high yeild divend stocks? I'm 38 but just starting to invest. If I can grow my monthly income to 2,000 a month ( I can live off 2,000) then I keep working part time and then keep reinvesting that 1,000 and spending that other 1,000 on expenses like rent wouldn't that reinvestment of 50% make up for the divend growth for a shorter peroid of say 30 years? If im 40 and live to be 70 thats just 30 years I gotta worry about covering. I have no hope of building 174,000 and then investing 15 more years. I'm way behind in the game.. and I make low wages but I think I can invest 1600 a month if im living out of my van which I done before. Otherwise I can only really invest 800 a month due to low wages. If you have time to make a video about advice for low income investors that be much appricated.

[@Dividendology]

This is a good point. People looking to retire sooner should likely lean a little more to high yield. Perhaps I’ll make a video on this soon.

[@walterramirez3287]

I’m 62 so my investment is more towards income. At 38 you still young. Let’s say you live to 80, you still have 42 years to go. Invest as much as you can monthly. I buy JEPI, JEPQ, DIVO, ARCC, MO, O, STAG, PFLT, SCHD, DGRO , OBDC, MAIN, BTI Etc. Many of these pay monthly. As today my yearly dividend is $5500. My goal is $12k to pay for all my utilities. I have a pension that will pay me $5300 a month plus another $2300 of SS. I will keep investing since I won’t need my dividends. I might use my dividends for travel. Good luck with your investing

[@ppsmall69420]

@@Dividendology shouldnt they techically also lean into junk grade bonds?If you are going for high yield you might aswell diversify.

[@fikonfraktare]

Higher yield typically means higher risk, so you need to be more vigilant, keep an eye on your positions and know what you invest in. Because you can lose value and the dividend quickly, which will be demoralizing and set you back. 30 years is still a long time and what you invest in now may not even exist 10, 20, 30 years from now. With that said, in the short term it could be beneficial to maximize yield (+10%) and once you get the cash rolling in you can slowly transition to and reinvest into other positions in more safe companies with a more moderate (high) yield like 5-7%, and other quality growth stocks like Microsoft etc. It's always a risk/reward balance and you mitigate risk by educating yourself.

[@yohjijames1413]

First of all - well done for getting started. That first step is the hardest. But I wouldn’t necessarily say you should focus on high yield because you’re older. The yield in higher yielding stocks reflects the risk and there is more chance of a price drop and large capital loss. Keep adding quality businesses and reinvest the dividends and any new savings you can. There is no easy path, it takes time and patience. But you’re on that path and that’s what counts

[@nathanfranck5822]

I've averaged my growth of my stocks and crypto over 3 years, not optimizing for dividends, and I'm averaging $350 a month on a 27k account. Maybe we're in a bubble, but taking the foam off of any stock or asset manually seems like a better play than dividends.

[@bibbidi_bobbidi_bacons]

Did you mention that you’re dollar cost averaging in as well? Appears you started 3y ago w 10k. Looks good 👍 keep it up

[@leeread1234]

Is there a U.K version of seeking alpha ? I can not find some stuff I own on their site. 😪

[@Dividendology]

Not at the moment. Tickerdata supports international exchanges though.

[@spalace7919]

I love your channel. Thank you for these videos. I only wish you were around 25 years ago. I see you have "Crypto" in your spreadsheet. But you never mention it in any of your videos. What do you think about investing a small percentage (1% - 5%) in crypto?

[@Dividendology]

I personally like to stick with what I know best, and that is dividend growth investing. Crypto is obviously more speculative and has growth potential, but it is very risky. If people want to be aggressive and allocate a small percentage to crypto, I understand. Just make sure you realize you are investing into an asset that is completely speculative as it has no true intrinsic value.

[@richardthomas6054]

wondering what your thoughts are on DEA reit its a super low stock right now that is mostly government building rentals that are adjusted with inflation. seems like a good option to have some reit stock that is semi protected vs recession or commercial real estate collapse