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@elliottharris9015

2 ай бұрын

I heard the first 100k is hard. How long did it take to reach 100k?

@johnfkeating

2 ай бұрын

Very grateful for your Chanel!!!

@winningwithmoney101

Ай бұрын

When I clicked on the link Access Tickerdata and my Spreadsheets but not sure what I should be looking for.

the cost of living calculator at the end was like a shot of adrenaline when I saw it. The way it works and moves with inflation is so ingenious and cool.

That's my issue with the idea of people living off dividends. Specifically young people (say, under the age of 50 or so). You should instead focus on growth stocks. S&P 500 Index is around 10.5% growth. Several similar stocks you can get with that same growth. If you only use dividend stocks then you miss out on growth, meaning it's much harder to manage low market years. Instead, get a high growth stock/mutual fund/etf/etc at around 10% growth. You could turn that $170k into $460k in just 10 years and that doesn't account for any dividends (albeit smaller ones). Even if you took out 4% each year you'd take out $7,500 the first year (far more than any yearly dividend payout) and growing that yearly withdrawl up to $12,700 by year 10 and you'd have a total investment of over $300k, not counting dividends. In my personal opinion dividend paying stocks are better once you've got your nest egg and are looking for a way to reduce risk. Build up a million or two and then move it into a high dividend stock. Even then I still think pulling out 4% per year on a high growth stock is a better options.

@yourfellowman11

Ай бұрын

Investing in growth stocks just to sell your principal is virtually equivalent to timing the market, since you have no idea when at the time of selling if the market is on an upswing or a downturn.

@James-dt1kl

29 күн бұрын

100% Have said this many times too. You need portfolio growth when your young and then you should diversify.

@tutteturunen6822

29 күн бұрын

​@@James-dt1kl suddenly after few tech companies has rocketed. We see comments like this, not surprised though

@Crabchann

27 күн бұрын

How bout putting 600k into dividend stocks to gain about 60k-80k individends a year? Is that not beneficial?

@slandshark

27 күн бұрын

@@Crabchann List out the dividend stocks that pay out 10 to 12% per year. If that were true, then yes that sounds like a better option. But I have not yet seen dividend stocks that pay that much per year.

BRILLIANT! so fun to watch your account grow! (Mine too!). Thank you for sharing and the enthusiasm

@Dividendology

2 ай бұрын

Glad you enjoy it! Let’s grow together!!

Any timetable on the new DIY sheet yet?

Cost of living usually goes down if you only need one house. Since normal people at least in Finland pay it off at 50-70. That's 1000-2000 a month less expenses. Simultaniously many retire and the income drops the same amount. Well we have a bit different story here since health care and elderly homes are free.

Love your videos. Quick question regarding taxes that you may have already covered. What is the plan for the annual tax bill? Eventually I'm guessing the tax on the dividends received throughout the year is going to be a very large number. At what point do you anticipate that happening and how do you plan to cover that? Thank you for the guidance.

@g.t.richardson6311

Ай бұрын

Ah, you pay estimated taxes quarterly

For your live of off dividends, it seems to start at the start of 2023 and not at the third months of March. Is that how it should be? Such that you can look back in time?

Been following you for a long time. Appreciate the analysis as always.

@Dividendology

2 ай бұрын

I appreciate that!

Great Spreadsheet, you mentioned numerous times how important the dividend growth is but I don't see a way to track Dividend CAGR in the DIY investor toolkit. Any thoughts to adding the ability to track the portfolio dividend CAGR so you can tactically add to positions to increase the portfolio's total dividend CAGR?

@Dividendology

2 ай бұрын

Good idea! I'll look into this.

thanks for the videos! You always mention that you reinvest the dividends obtained. But how do you distribute this investment among the assets in your portfolio?

Do you have a video that compares dividend investing versus growth investing and the 4% rule? I'd like to see what is better; which strategy delivers higher returns over time. Thank you,

@ericpowell4350

2 ай бұрын

I believe there's plenty of data available in Google to answer. Regardless, I believe the sweet spot is to buy Dividend Growth stocks.

I almost have you beat with my budding 16k portfolio (projecting ($837 next month if rates hold), I’m SOLEY income focused as I’ll use the up front income to but into growth positions. I don’t touch individual stocks though, I utilize active hedge funds running covered calls, thus far it’s going well, I don’t utilize DRIP either in active in my account steering the snowball in a very focused manner. Totally with you on the importance of tracking, I’m documenting my growth as well. It’s wild to me hope many people just set out on these journeys blind.

Love the spreadsheet

@Dividendology

2 ай бұрын

thanks!

What stock/ETF is “O” in minute 18:29? Thx

@Dividendology

2 ай бұрын

It’s a REIT! You can check out my analysis of them on this video: Is Realty Income Stock a Buy Now!? | Realty Income (O) Stock Analysis + Earnings Report | kzread.info/dash/bejne/eaBpxddqfcy1l6g.html

Recheck your JNJ dividend payment for March. You said 27 cents but there is no decimal point. Looks like $27

At 8:55 in the video you sold out of your high yielding stocks to buy lower yielding stock with high div growth rate. If your goal is div income then you should be locking in as high as you can on initial payout. $170k in MO would have paid you approx $17k in dividends vs. the $5k you are getting. Comparing CAGR for SCHD to MO and the math says you will need 5-10 years to reach the percentage payout where MO is paying now. In the mean time MO will also be increasing the dividend possibly during this same time period. CAGR is important but there are no guarantees what tomorrow will hold.

@stefanwolf8558

2 ай бұрын

Yeah that part confused me too. He should have kept the existing high paying stocks and just directed future capital to the high growth div stocks,😊.

@Jay-fs2yd

2 ай бұрын

Not a good comparison. Mo is just 1 stock and way riskier then schd.

@taftpenton8962

2 ай бұрын

All this work just to get out gained by Bitcoin😂. What a clown🤡

@datsme8986

Ай бұрын

Same observation 👍

@samanthathompson9812

13 күн бұрын

What's MO?

I think you should sell options, cash covered. Write options and sell option. You’ll be up 80% per year!

If the index moved 31% and you're only up 28% incl dividends, then your portfolio is underperforming.

Anyone know how to reinvest dividends with Etrade?

Im curious why do you not change your monthly contributions inline with your inflation calculation?

Fantastic video and tracking. New sub!

I'm conflicted with auto-dividend reinvestment. Instead of auto-invest back into the stock with your dividend distros. Should you build up cash in your core account instead?

@cliffdariff74

2 ай бұрын

You can if you want... you can have dividends bo back to your account instead of dripping back to tbe stock. Then you can decide where to put tbe divs.

@DrNoSpectre

2 ай бұрын

@@cliffdariff74 that's what I'm thinking. Get the cash back to the account then decide.

@mikelessard7492

Ай бұрын

Build up cash in ur core and pay billz with it or save up and buy a diff stock or ur choosing for free 😉

I like the dividend growth strategy, but I'm not sure that high yield dividend funds have more issues. To me it's easier to just plan on reinvesting a portion of the dividends I receive, rather than trying to calculate and then monitor the dividend growth rate of my holdings.

Great tips for tracking! Had a lot of aha moments. Thank you for this video!

Can you make a video explaining why you chose SCHD Vs VYM and other ETF's?

@weicc84

2 ай бұрын

Curious, too. Choice for SCHD seems to be a bit bias, consider that it doesn't rebalance any better than other popular ones. Even other social media investment advisers say stick to the boring and common index funds like S&P 500, Total Market, or education to invest in self. Seems too much time is wasted updating your progress and chart watching.

@TheDeathvice187

2 ай бұрын

@@weicc84SCHD is great paired with S&P

what brokerage do you use?

@bobsuruncle679

14 күн бұрын

Maybe fidelity, as M1 Finance doesn't offer schd for some reason.

Why both SCHD and JEPI?

Great content! 👍💰💰💰💰💰💰

What kind of account do you use for your Dividend account? ROTH or Traditional IRA?

Great video. Thanks so much. Is your income before or after tax?

My portfolio grows at a similar rate as yours and I have a similar strategy, so now it have become a challenge with myself to keep up with you. Thank you for your videos!!

I have a pretty basic portfolio, but it took me a while to put together: 30% SCHD, 30% broad US mkt, 15% broad international, 15% dividend growth ETFs, 10% BRK.B. Average dividend yield right at 3%. Up 7% ytd.

Hi! Wondering how much tax you need pay for dividends?

@Dividendology

2 ай бұрын

depends on many variables. I'll make a video regarding this soon.

@BehindTheScenes235

Ай бұрын

@@Dividendology Are you still planning on making the video?

@Mello675

17 күн бұрын

@@BehindTheScenes235he's not making a video about that. Not worth it for him

high yield might allow you to transfer incone from one stock to building larger positions, faster into healthier and higher dividend growth opportunities. Like if I yield 10% on 10k, i will have an average of $100 extra to buy div-growth stocks with in the immediate, and make more frequent or larger purchases. Is this the wrong way to think about it? What am I missing? What if I can get a steady 10% for 3 years? That could grow to pay out 3k+ worth of extra cash flow to buy aolid names like starbucks or microsoft. Is it better just to "build" the portfolio from the get-go? For reference I have about 25k to play with, and I have the potential to add $700-$800 month to my portfolio.

How can I get that spreadsheet?

@Dividendology

2 ай бұрын

You can download it on Tickerdata.com !

Great layout and I like most all of your investments...I do about the same as this setup (some different stocks) but not quite as much cash available. I don't have nearly as much SCHD, but I kept MPW (whereas you sold yours).

Great video as always informative and motivating in equal measure. It might be interesting to have an additional chart that explodes out the individual holdings in SCHD, so that there is an aggregated visual of your portfolio based solely on “individual” stocks albeit including those in SCHD!

You hit the table alot in your videos

@dwightrenfield2241

17 күн бұрын

Such valuable input.

@Scuba-D

17 күн бұрын

@dwightrenfield2241 not everyone listens on pos airpods.

This was such a cool watch! 😃😃

I really love CAT! Very underestimated stock

@Dividendology

2 ай бұрын

Agreed!

Heavy allocation in MSTY will get your portfolio hefty returns

Best Excel I have seen so far, need too build one too 👍

@Dividendology

2 ай бұрын

Glad you like it!

In your "can i live off dividends" where it came out to be 15 years, it's not factoring in that ur gonna re invest the dividend, is that intended? Like do u invest 2500 in total (dividend yield + rest)or do u invest 2500+the dividends? Cos that would shave off a year or 2 I'd guess

@Dividendology

2 ай бұрын

yes, it's assuming reinvesting dividends

@bobo34

2 ай бұрын

​@@Dividendology Went back and noticed the shares + drip tab, i was just looking at the contribution one, thanks m8 :)

@Dividendology

2 ай бұрын

you got it!

You’ve made none of those gains until you sell.

@JayXim-rn7ud

18 күн бұрын

reinvest back the dividends they said

@MrSimonious

15 күн бұрын

@@JayXim-rn7ud youre making my point. Ask all the people who reinvested their dividends in Enron.

@LoafingMushroom

14 күн бұрын

The goal is to never sell. You just reinvest until you don't need to work full time. You're slowly buying a house without paying interest while collecting rent to pay down the house.

@FLORIDIANMILLIONAIRE

12 күн бұрын

Life is short you have to sell otherwise you can never use the money you saved for

@tacitregular2852

8 күн бұрын

You from the IRS or something? You want him to realize the gains so he can pay capital gains tax or something?

I’d sell out of O and MMM and put that into AVGO and CAT. Just an advice; to each their own

You should do a comparison if total return if you would have simply invested in an sp 500 index fund.

@oscarli1665

2 ай бұрын

by the looks of it, he is missing out on around 4% of gains if he just threw it in the sp 500

@aaront936

2 ай бұрын

@@oscarli1665 is that after tax losses or before?

@slandshark

2 ай бұрын

That's my issue with the idea of people living off dividends. Specifically young people (say, under the age of 50 or so). You should instead focus on growth stocks. S&P 500 Index is around 10.5% growth. Several similar stocks you can get with that same growth. If you only use dividend stocks then you miss out on growth, meaning it's much harder to manage low market years. Instead, get a high growth stock/mutual fund/etf/etc at around 10% growth. You could turn that $170k into $460k in just 10 years and that doesn't account for any dividends (albeit smaller ones). Even if you took out 4% each year you'd take out $7,500 the first year (far more than any yearly dividend payout) and growing that yearly withdrawl up to $12,700 by year 10 and you'd have a total investment of over $300k, not counting dividends. In my personal opinion dividend paying stocks are better once you've got your nest egg and are looking for a way to reduce risk. Build up a million or two and then move it into a high dividend stock. Even then I still think pulling out 4% per year on a high growth stock is a better options.

Is the tinkerdata is the spread sheet you got ?

@Dividendology

2 ай бұрын

The spreadsheets are available on Tickerdata.com!

@bestinlot

15 күн бұрын

Your investment account shows that data. Don't micro manage money, you will endup spending too much time on the sheet.

Add AFL and HRL if you want dividend growth.

Nice portfolio but those excel sheets are awesome!!!

@Dividendology

2 ай бұрын

Thanks!

@chancecooper9246

2 ай бұрын

@@Dividendology just signed up for the yearly subscription on Ticker Data

@Dividendology

Ай бұрын

Awesome! Hope you enjoy!!

Correct me if I am wrong, but you do not DRIP your dividends, correct? Could you cover why you don't do that?

@longgone9738

2 ай бұрын

It allows an account owner to choose which stock(s) to concentrate on. In my case, I am trying to smooth out dividend payments overall so I do not have “boom or bust” monthly dividend income.

How much do you contribute a month? This is impressive! Keep it up!

So if you just invested in the SP500, wouldn't you have made more money without all the hard work of stock selection and tracking this data, and with better diversification (505 vs only 30 companies)?

I sold IBM a month ago with a nice 80% profit.

@Dividendology

2 ай бұрын

very nice!

PLs dark theme i get blinded at night watching u

Dear @Divendology, I am currently using the Quickfs excel plugin but want to switch to ticker data. I will be sharing my ISA journey in the UK with my audience and might use your templates as a starting point. Are there some copyright restrictions ?

@Dividendology

2 ай бұрын

Send me an email at Dividendology@gmail.com and we’ll talk!

@subayalkhan

2 ай бұрын

@@Dividendology Thank you so much. I will send you an email today.

Question! How often if ever do you make contributions? I’m looking to do the same thing you do but I’m curious if you make and contribution or if this is all based off stock appreciation and dividend income

Hey, been watching for a while now, what broker do you use? Or what do you recommend for beginners? Could you make a video about it?

@Dividendology

2 ай бұрын

Testing out interactive brokers right now. Will let you know what i think soon.

@zadrex

2 ай бұрын

@@Dividendology ❤

@trentraymond9622

2 ай бұрын

@@DividendologyI use interactive brokers, how can you see the dividend information in the app? I want to see my dividend growth and make sure its being reinvested but they don’t make it easy to see.

@Dividendology

2 ай бұрын

I don’t think any brokers do a good job of breaking down dividend metrics. That’s one of the many reasons I like to track it on my spreadsheets.

@zadrex

2 ай бұрын

@@Dividendology Yeah, I noticed that too. But when you buy stocks, what do you use if you don't mind me asking. Because I'm searching and searching, and there are so many different ones, and I can't figure out what would be the best. M1? XTB?

This video has absolutely nothing to do with the space shuttle.

you should add a column for income - taxes and inflation

Daaamn, every time I watch these videos I feel more behind lol

Thank you for the video!!! I like your spreadsheets, they are very descriptive and have all the data right there.

@Dividendology

14 күн бұрын

Glad you like them!

great work as always man.

@Dividendology

2 ай бұрын

Much appreciated!

Dividend is nice but also bad in my opinion since it gets taxed right away when paid out as regular income. I sometimes avoid the stocks that pay high dividends because of this reason

@dividendology hi thanks for your video, could you please share this excel sheet using for recording of data as I need to use in my portfolio s well, thanks

@Dividendology

2 ай бұрын

You can download it on TickerData.com!

Lots of could’s , world could end in 15 yrs . Stock market could go away. Like the outlook but nothings certain .

Nice. I saved $150k+ in 1 1/2 year 😅

Do you sell this spread sheet?

@Dividendology

2 ай бұрын

Yep! You can get it at Tickerdata.com!

Are these in some kind of roth ira or something? How are you avoiding the tax on gains?

@austinbostrom5304

2 ай бұрын

A dividend is actually not a gain. It should be taxed as regular income

@DimebagDerekS

2 ай бұрын

​@austinbostrom5304 so are you saying the taxable amount is the same either way? That was not my understanding.

@davidomar742

22 күн бұрын

why would he be taxed on gains? he is not selling any stocks here

@DimebagDerekS

22 күн бұрын

​@@davidomar742dividends are taxed unless they are in a tax advantaged account like a 401k is my understanding

Once your living out of the dividends there will be no reinvesting the dividends right ? what happens after that? Would inflation reach you again?

@Dividendology

2 ай бұрын

Nope! Because the dividend growth rate of my investments will be above the rate of inflation!

All that research and math, doesn't seem like it can beat a 4-5% HYSA account. I mean if you all in on low tsla or stock and get 10% returns, you'll probably net more than 2-3 years of dividend trading. Options trading you're probably only 2-4 trades to become a millionaire.

@Dividendology

Ай бұрын

Dividend growth will pay way more than a HYSA long term. This video explains why: kzread.info/dash/bejne/eYV8x5mFlc3Odco.html

I created a dividend portfolio and have been consistently beating the returns using a hybrid strategy of dividends with growth 👍

One aspect you could show us is, your total investment amount on each stock and dividend each month on that stock.

Do you pay taxes on dividend income in USA?

@Dividendology

2 ай бұрын

depends on many factors. I'll make a video on it soon.

@randomnik70

2 ай бұрын

@@Dividendology Thanks. Looking at this as a foreigner, with minimum 15% tax on dividend income. The best way for me would be investing in an ETF, or accumulating dividend fund.

EFT is not an industry. So the pie chart is hiding over 50% of industry information.

Bro said 2% inflation 🤣

This is a nice information video and provides some good points and strategies. However 1. SCHD has quarterly dividend so saying you got 600 bucks in month of March is misleading. I would split it in monthly, it would be around 200. Otherwise your next month will be zero. Of course you picked March because April would have extremely low dividend month. 2. SCHD has about 10+ stocks in the portfolio - so technically you have much more than 30. Saying you want to go to around 25 is also misleading. 3. I would not have option of reinvesting dividend back into stock. Better to keep it as cash and make your own decision on what to add to portfolio. Switching reinvestment option takes a while, been there. Cash is king.

@Dividendology

2 ай бұрын

All these things you mentioned are accounted for. 1. I show how much I make in dividends every month, and my charts show my dividend history. My next month will not be '0'. 2. SCHD currently has 104 holdings. But to say I want to get down to 25 is not misleading at all. 3. That is all preference.

One of My fav monthly vids! So motivating to see and I can’t wait to see you retire! I think you’ll hit it well within 10 years probably closer to 7-8! I hope to be work optional within 25 years! (I’m 23 years old) :)

@Dividendology

2 ай бұрын

Thanks! And good luck to you!

@TheGeordiePig

2 ай бұрын

@@Dividendology thank you!!

You should do a video comparing if you just did vanguard sp500. Always fun to compare active management or tweaking to brain dead approach. Curious if anything you’ve done has been worth it outside of KZread revenue

Are you subject to 30% withholding tax from the dividends?

@Dividendology

Ай бұрын

Nope

@joeyho7646

Ай бұрын

@@Dividendology why not?

How old are you?

@Action_Clips_CODM

Ай бұрын

I’d guess 23-25

Question. Why "in theory" would you want to have less positions? or are you saying that your just getting rid of your low earners? I would take my profit per month, and invest it back into more positions in companies, or more stocks to add more dividends. Is that your goal though? To keep adding more stocks and more, until your making 3-10k a month?

With ZIVB, you would do much better

unrealized gains dude

Only problem with trying to retire off dividend income is you literally need millions in the market, my $280k real estate investment brings in $9k a month

@sillyblackfox

21 күн бұрын

How does it bring in 9k monthly? Is it commercial?

Is the cash in your portfolio gaining interest? If not is there a reason you are keeping it in your portfolio and not an 5% interest savings account?

@TJay96

2 ай бұрын

SCHD grew over 11% in 2023 and pays a dividend yield of 3.4%

I think you are short changing your projection - your monthly contribution is staying flat at 2,500 per month for ever, it's not accounting for inflation and pay rises. If you are still paying 2500 in 30 years and still earning the same, you've done a lot wrong.

@deankolpin4736

2 ай бұрын

In this case measuring the floor as opposed to the ceiling is more beneficial.

try MAIN

If you switch to growth ETFs like VGT, QQQ, SOXX or SCHG (or a combination there of), and switch to dividend growth ETFs after some years, you may reach your goals sooner. Have you thought about it? Just curious.

@Sam-mu5xh

2 ай бұрын

That is the question, do you plant your garden more vastly and watch it grow. Or keep one the grows faster, then sell and accumulate dividend income producing seeds? I hope I didn't loose you, that is how my mind works. I am going more towards growth, but still have a significant portion in dividend income with growing cagers and value.

@rssharma9

2 ай бұрын

@@Sam-mu5xh I don't understand the garden analogy and I am not sure it is applicable here. But if dividend stocks and dividend growth stocks work for you and keep you happy and safe, then that's fine. I can tell you based on my experience that, in younger days, I think one should invest in growth oriented stocks, not bothering about dividend. Dividend stocks and ETFs are great for retirement. They don't fall in value in bad times (look at SCHD's performance of -3.23% vs VGT's performance of -29.7% in 2022), and at the same time, provide a steady stream of income. Growth stocks and ETFs, however, beat dividend stocks and ETFs over long periods of time. Look at SCHD's 10 year annualized return (11.34% per Yahoo Finance) vs VGT's performance (20.18%).

@Madchris8828

2 ай бұрын

Growth companies are often far less stable and unreliable and at least for me dividend paying companies help pay for themselves over time. If I had millions of dollars to invest I'd likely do more growth than dividends. But I want my portfolio to pay for itself eventually buying more shares than I can, and hopefully eventually to be able to live off of. Personally I like to mix it up to get the best of both worlds. Right now with the low dividend yield of one of my stocks for instance, I'd have to invest 30K dollars to get it to pay for itself, whereas one of my dividend paying companies only 10k. That compounds pretty quickly.

Dividend stocks dont offer Capital Appreciation.....this guy Scamming. V is point 7 per cent div....its not a div stock.

day 2 of asking schd to be broken to sectors

@damianmysciak3264

2 ай бұрын

Very valid point, if you have SCHD as 50% of portfolio what is the point of tracking other sectors. If you have let's say 10% finance in other 50% and SCHD has for example 15% finance you have 25% finance.

@paragonknight3307

2 ай бұрын

Go to Schwab's website and look...

@Dividendology

2 ай бұрын

I have lots of spreadsheet updates planned with that being one off them.

@thefrozengoat

2 ай бұрын

Financials 17%, Health Care 16%, Consumer Defensive 14%, industrials 13%, Energy 13%, Consumer Cyclical 11%, Tech 9%, Communication 5%, Materials 2%, Utilities

@Madchris8828

2 ай бұрын

Really well stated. I have the same sentiments regarding SCHD as well​@@thefrozengoat

Hi, I would love to hear avout your journey, when did you start investing ? What job did you do? Did you study finance in school ? And more .. I’m very interested because you did help me in understanding dividend investing and much more

@Dividendology

2 ай бұрын

Maybe I'll make a video on that at some point! But in short, I started when I was 15, studied finance in school and have worked in finance my entire professional life.

Dude just put it in a hy sav account and sleep well

@Dividendology

24 күн бұрын

That would underperform the market and provide less income long term

Planning to be middle class in 30 years. This is your plan, otherwise, sell options.

How much? It's a very long video and not everyone has time to watch it all. Perhaps mark and tag it?

@paragonknight3307

2 ай бұрын

KZread saves where you left off, just come back and watch the rest later.

@lonestarmelting9728

2 ай бұрын

If you can't watch a 24 min breakdown analysis, maybe you aren't meant to dividend invest for the next 20-30 years.

@r1tz97

2 ай бұрын

$843.87

@paragonknight3307

2 ай бұрын

@@r1tz97 hey dude, make him watch the video

CURI is trading at 1.03 with a 10% annual dividend!

Just buy crypto

You dont do covered calls ?

have you ever had an idea to map your video publication on your portfolio history? @Dividendology

@Dividendology

2 ай бұрын

not sure what you mean by that. Can you explain?