Which approach do you take in your portfolio: low yield/high growth, high yield/low growth, or a hybrid approach? Let me know in the comments below! 👇

@jorgesoares789

4 ай бұрын

Why not trade only with low dividend yield but selling at good profits. Take the profits and buy other low stable dividend yield stock and trade again. There's always some company that is down and we can take advantage of that.

@GreatGodNyx

4 ай бұрын

I follow the low starting yield for more growth. But do carry a few higher yields, just some companies I feel good about.

@rynewilliams

4 ай бұрын

@@jorgesoares789 you could certainly do that

@rynewilliams

4 ай бұрын

@@GreatGodNyx nice!

@jorgesoares789

4 ай бұрын

@@rynewilliams Im with that dilema. Like. I have stocks with 40% profit. Paying 3,5% year. This is 11 years of dividends. it's super hard not to seeing things like this and not sell. 🤣

I'm slowly transitioning to a hybrid portfolio to balance high yield and high growth stocks for long-term stability and growth.

@rynewilliams

3 ай бұрын

Nice!

ThanX Ryne... Another great job and video.... Let's keep making money...!!

@rynewilliams

4 ай бұрын

Heck yea!

I don't invest with the thought of whether something is hi-yld/hi-div growth. I just buy quality companies and ETFs and do so on the individual merits of what I am buying. I am nearly 58. Your portfolio yields more than mine and admittedly has a higher div/grth rate. Most of my dividends come from my Roth IRAs. My taxable accounts are slowly catching up to dividends produced from my IRAs while my IRA dividends are also increasing annually.

@rynewilliams

4 ай бұрын

It sounds like you have a great strategy in place my friend. Good job!

Great video Ryne. You are speaking my language. I will add: Be sure to add extra contributions AS you save extra money, as well. In addition to, and not replacing, the dollar cost average that is on autopilot.

@rynewilliams

4 ай бұрын

Agreed man!

Hi Ryne Excellent video like always. I started with high yield/ low growth but started now to buy high growth i think the hybrid approach is better.

@rynewilliams

4 ай бұрын

Thanks for sharing Rui!

I'm slowly changing to a more hybrid portfolio. I'm getting out of some companies with high yield/low(or no) growth like T, VZ, WBA and LEG. I'm keeping some higher yield stocks like MO, MAIN and O. Basically trying to get my overall yield down to 3% from high 6% and div growth to 10%+ instead of the ~3% I have now. Even if I get less dividends now, I'm confident my future income will be higher and also have a lot more capital gains.

@rynewilliams

4 ай бұрын

I think that's a really solid approach. I'm working on doing more/less the same thing in my portfolio

Well done video Ryne! Really enjoyed it. Have a great day bud 😃

@rynewilliams

4 ай бұрын

Thanks Dean! You have a great day as well 🙌

I'm definitely hybrid, with voo, schd, and jepi....so far. I'll be looking at 1 more when I cross the $15k portfolio.

@rynewilliams

4 ай бұрын

Sounds like you have a great balance with all of those, nice job

great video. what are some that are hybrid? You mentioned dgro for low yield high growth.

@rynewilliams

3 ай бұрын

I think SCHD could be a hybrid. Decently high yield and very high dividend growth rate

which app you use to invest ? can you recommend one for international investors

keep pumping out those financial informational videos Ryne!!!! being that ill be 50 this year.... i would lean more to high dividend/low(no) growth.... I'm currently at 1000 shares of QYLD and basically rounding up my share count by 50 shares a month.... with DRIP, I get 10 shares every month, so purchase less and less....

@rynewilliams

4 ай бұрын

Thank you my friend! Keep up the good work

@irishbilly1175

4 ай бұрын

I'm in the same position. Turned 50 last year so I'm using the same approach myself

In my opinion, dividend growth stocks generally offer more stability and long-term value compared to high yield stocks. Even with a modest dividend growth percentage of 10%, the potential for increased returns over time is significant. Just imagine the potential if the growth rate were 15% or higher. Additionally, high yield stocks often carry the risk of price depreciation and dividend cuts, making them less reliable for consistent income. And then again it depends on how long your horizon is.

@rynewilliams

4 ай бұрын

Well said. I'd be stoked about a 10% long term dividend growth rate haha!

Excelent video Ryan

@rynewilliams

4 ай бұрын

Thanks Carlos!

100% VTI and see you in 40 years ROFL Joking aside, if young I would go the high Div. Growth route.

@rynewilliams

4 ай бұрын

Haha that wouldn't be a bad way to go though. VTI is a very set it and forget it approach

Think about ya kids and their kids. If you’re comfortable just enjoy the ride knowing ya grandkids won’t be worried about anything.

@rynewilliams

4 ай бұрын

True that

@gamergamesmanship6448

4 ай бұрын

Exactly 🎉

amazing stuff

@rynewilliams

2 ай бұрын

Thank you!

@FudgeMichael-zy5xf

2 ай бұрын

I've been thinking about whether I should hire a financial advisor. Are there any real benefits to it, or is it just an added expense?

@DanielleDeck-mb4gz

2 ай бұрын

Actually, using a financial advisor can be incredibly beneficial. They can help you create a personalized financial plan tailored to your goals and risk tolerance and also provide valuable insights and advice on investment strategies, retirement planning, and tax optimization.

@JamesKevin-pc9ui

2 ай бұрын

My colleagues had a good laugh at me when I told them I started my journey with $5k capital and how I accumulated over $200k within a span of 7 months. They never believed me until I pulled out my P&L.

@HamiltonKevin

2 ай бұрын

I was skeptical at first, but after working with a financial advisor (Melisa Aurora Benadivez), I’ve seen significant improvements in my financial situation. She’s helped me make better investment decisions and saved me money in the long run.

Another great video. I am going to start this approach either etf. In the uk, we don't have DGRO. Is there a etf similar. Thanks

@rynewilliams

4 ай бұрын

I've heard of one called VHYL that might be similar

@tomiemmanuel317

4 ай бұрын

@@rynewilliamsThanks

I use the hybrid approach Ryan. I have 71 holdings at the moment totaling about $50,600 in value including $4,000 in cash. I have high growth stocks with low yield like Apple, MSFT, GOOGL, LLY, NVDA, META, PG, AVGO. I have high yield stocks like Altria MO, ENB, Reits like O, WPC and VICI, and BDCs like MAIN, ARES and SLRC. I recently added three ETFs but they are only about 1% each of my portfolio. They are SCHD, JEPI, and TECB ( up 46% on TECB in about a year).

@rynewilliams

4 ай бұрын

Nice! Sounds like your portfolio has a lot of good stuff going on

Always doing the hard work for others ..

@rynewilliams

4 ай бұрын

Thank you!

Woukd starting DGRO in a regular brokerage account? Ive already maxed my roth ira...

I have started with high yielders until I reached $1000 dividend a year. Now I am starting investing in hybrids. I do not have time nor reason to "wait" for low yield/high growth at my age. I have other stocks (ETFs) too that are much for growth and yield around 4%.

@rynewilliams

4 ай бұрын

Fair enough!

Yeah JEPI would be nice - there is an european-equivalent JEPG (starts a view months ago from jp morgan) but this one is another construction and not the same as the JEPI. I don´t think its as good as the original, but a good way to invest in european market. Future will see how the JEPG works... At all i think a mixup of growth and income is the right way. In my opinion 20 to 80 % Another thing is that ETR-Costs a much more higher in the european-ETF as in the US. I think around me in germany it´s not possible the huge up investments cause it´s prevented from state

I mixed it. all my stocks are above 8% growth and some have a medium yield and some a low yield. So I have both -> strong growth around an average of 11% and a yield around 2,4%

@rynewilliams

4 ай бұрын

Nice!

I'm an investor in my 60's so I'm leaning toward high current yield. The trick I'm finding is to avoid yield traps. I got beat like a drum by PSEC.

@rynewilliams

3 ай бұрын

Definitely have to avoid those yield traps

Hybrid, aristocrats and kings on cruise control $1000 a month various stocks and of course SCHD. I can already taste my Vegas retirement. 🍻

@rynewilliams

4 ай бұрын

Haha I love it. Are you planning to retire in Vegas?

We r 40 and focus more on growth ETFs , but the closer we get to retirement it will be SCHD and SPYD

@rynewilliams

3 ай бұрын

Nice!

Great video! Pls can you do a video on how much you'll need to invest every week or month to get $3k dividend in 10 to 15yrs!

@rynewilliams

2 ай бұрын

Thank you! This video here might be up your alley: kzread.info/dash/bejne/dnejl8-YY5y-YtI.htmlsi=r0k2nN-SdA9OM3GU

Wow great video

@rynewilliams

3 ай бұрын

Thank you!

High-yield monthly income. That's it. Your goal(s) may be different.

Sorry, im new to the channel. do you have any videos for beginners? I searched and cant find any from you. Like to see what apps are best to buy dividends in UK. Great video and thanks

@rynewilliams

3 ай бұрын

I do have some. If you go to my channel, you’ll see a playlist titled something like “New To The Channel? Start Here” front and center. The videos in that playlist would be a good place to start

Hell yeah brother! Now let’s see it if you start at $25 and double every year! Let’s go! 🔥

@rynewilliams

4 ай бұрын

Oh that’d definitely supercharge the growth

Can you make a video about Direct Indexing with Fidelity, currently thinking about using the $5,000 minimum buy in

@rynewilliams

19 күн бұрын

I’ll be honest, I don’t see myself making a video on that. What makes you want to do direct indexing?

Although it is gonna take decades while you save all those years you could put the rest of ur money in other things that can make money back quicker to hold you over but at a certain age u can literally just retire from everything and never work again

what app or platform are people using for this type of investing? im from the UK if that makes a difference :)!

@rynewilliams

3 ай бұрын

I'm not too familiar on what people use outside of the US--maybe platforms like Vanguard of Interactive Brokers or something. I personally use Charles Schwab!

Rookie question, if I have $1mil in that DGRO and 2.5% yield, I will get only a bit above $2k/yr as dividends. So how are you getting $3k/month with 1/2 the portfolio size? Thanks.

@rynewilliams

3 ай бұрын

The calculation you did only reflects the income you'd have upon making a lump sum investment of $1M into DGRO today. Over the years, dividend growth will allow you to have a higher amount of income with a smaller portfolio size.

Awesome video Ryne, happy Sunday! 🎉

@rynewilliams

4 ай бұрын

Happy Sunday man! I hope you have a great day

Great video as always ryne! Seven months into my dividend investing journey. I have started off with more high yield stocks that are dividend aristocrats/kings. So far i am almost at $1000 a year from dividends. I am now starting to add some low yield/high growth stocks into my portfolio and the dividend payouts will help me boost my new positions faster

@rynewilliams

4 ай бұрын

Smart move man. Thanks for watching!

I'm waning to say hybrid, I have around 3% dividend yield and above 10% dividend growth overall with my portfolio. The key is having a long term mindset, that dividend snowball is so powerful!

@rynewilliams

4 ай бұрын

Those are some very solid dividend stats man

Hey Ryne, what do you think of the super high monthly dividend funds IWMY, QQQY and JEPY? I'm a 75 year old retiree and I just added 500 shares of each of these three funds to my somewhat "safe retirement" dividend portfolio. I'm thinking of accumulating more. Am I nuts??

@rynewilliams

3 ай бұрын

I honestly haven’t researched any of those, so I’m probably not the best person to ask about them 😬

Interesting 👌

@rynewilliams

4 ай бұрын

Thank you!

Where I live, we have 0% Capital Gains Tax, 0% Dividend Income Tax and 0% Tax on Income Earned from Interest. I'm hoping to continue investing aggressively 100% in VOO and seeing where it gets to in 20 years or so, then evaluating what to do with the total portfolio - whether to re-invest it in dividend-paying shares or take it all out and invest it locally paying out 5% annually guaranteed.

@robertswift6101

Ай бұрын

where do you live?

@kayronmercieca8226

Ай бұрын

@@robertswift6101 Gibraltar, Europe. It's a British Overseas Territory attached to South Spain.

im going VTI, and bitcoin etf when I finally have money to invest...

Hi ryne my porfolio tracker the dividend percentage yield is not working all. Any suggestion thank you

@rynewilliams

4 ай бұрын

Yes I fixed the issue and updated the template. If you email me at ryne@retirewithryne.com I’ll send you the link

Any alternative ETFs that are similar? Sadly, DGRO is not available in my country

@rynewilliams

Ай бұрын

Maybe look into something like VHYL. I've heard of that being a decent alternative

Does dividend snowball really outperform just investing in high growth stocks and then just selling them and then buying into dividend stocks?

@rynewilliams

3 ай бұрын

It depends on a myriad of factors

Perfect video to listen to during my chest workout

@rynewilliams

4 ай бұрын

Crush it man! 💪

how long you have to hold stock to get dividend?

@rynewilliams

2 ай бұрын

You just have to own the stock before the ex-dividend date to be eligible to receive the dividend

@phamlaclong

2 ай бұрын

If I buy and sell the same day do I eligible to earn dividend?

Just put 225k in svol

Is this time frame collecting the dividends or reinvesting them to buy more stocks?

@rynewilliams

Ай бұрын

Reinvesting!

@rynewilliams

29 күн бұрын

@@utiguy69 when you’re ready to use the dividends, you can stop reinvesting them and transfer them to your bank account

@utiguy69

29 күн бұрын

@@rynewilliams is the dividend income taxable or tax free

@rynewilliams

29 күн бұрын

@@utiguy69 whether or not you pay taxes on your dividends depends on a myriad of factors

@utiguy69

29 күн бұрын

@rynewilliams how do I make it so it's tax free?

When you mention investing $25 a week. Is this solely into a brokerage account or do you also consider 401k or HSA investments from an employer as well?

@rynewilliams

3 ай бұрын

You could do it in any type of account

More or less one would around 800k-900k dividend portfolio to generate $3000/month in dividend, with 4% yield. True or no?

@rynewilliams

2 ай бұрын

True! 4% of $900k is $36k/year

At 4% inflation in 29 years $1000 dollars is reduced to $430

@elizabethinsaurralde8037

16 күн бұрын

Take in consideration that the stock price will also increase, and the amount of money paid as dividend as well with time.

I'm new to investing. Your way of explanation is very on point. I have a question though: If I'm investing twice as much or 4x as much would It cut the times in half? I have a good salary and I can start a hybrid portfolio putting 100 dollars every weekend. That would mean I can receice 3000 dollars in 9 years?

@rynewilliams

3 ай бұрын

Because the growth of a portfolio is exponential and not linear, the time/contribution relationship isn’t linear either. In other words, investing 4x as much won’t make things happen 4x as fast. It certainly helps cut down on that time though!

@endertecks1720

3 ай бұрын

​@@rynewilliamsThank you for your answer. Is there a formula to calculate in general?

So FORD yield is insane rn, is it stable?

@TpriestJr

4 ай бұрын

I have watched ford for a while and wish I would of bought when it was $6 lol

@rynewilliams

4 ай бұрын

I'm not sure how stable it is. It's a company I don't personally follow too closely

@TpriestJr

4 ай бұрын

@@rynewilliams it’s so volatile it’s insane. I have watched it for a while and I would prob only buy under $10 at this point

Im sorry brotha i get alot of backlash for this all the time but id rather get the big money now vs later. But only because im active with my investments and I allocate a % of the right now money to build and boost the later money. For the companies that dividends arent reinvested.

@rynewilliams

28 күн бұрын

Man you don't have anything to apologize for. Do what you think is best!

Hybrid but svol at core

If i start back dooring my 401k to my roth so i get tax free income and i start spliting my shares into 2 accounts i assume the growth will stay the same? Vs. Keeping it in one account.

@rynewilliams

4 ай бұрын

If you look at your portfolio as a whole, it'd be the same. 5 shares of a stock in 2 different accounts is the same as 10 shares of that stock in 1 account

@mcvein355

4 ай бұрын

Thanks

Im 18 and just recently started investing my portfolio is rn £1500 and i have a bit over £1000 spare to invest what should i do to learn where i could invest this money

@rynewilliams

4 ай бұрын

Great job getting started my friend! To learn where to invest the money, I would start by watching as many videos as you can on the subject. That will help build familiarity and can give you some ideas. There are a ton of great channels in this space that you can learn from

@LewisEnglish-iw8gx

Ай бұрын

If you want something basic with 0% headache... Realty Income. Pay something like 4.62 annum Yield. And that's split into 12 payments paid monthly. So with 1000 you would be looking at something like 46 dollars/pound a year and just under 4 £/$ a month Reinvest and more funds invested that will climb significant

I’ll be honest I would pick all 3 here is how my breakdown works my taxable I would take high yield maybe some modest hybrid my Roth IRA I would pick high growth low yield and my HSA I would take some growth but also more safer investments to sum it up all 3 works depending on your goals

@rynewilliams

4 ай бұрын

Makes sense. That'd be a very well rounded approach

Love dividends, the only real and truly passive income. Unlike what TikTok says

@rynewilliams

4 ай бұрын

TikTok doesn't like dividends?

@tmgclips5300

4 ай бұрын

@@rynewilliams their idea is dropshipping, 100x leverage on housing, vending machines, etc. Things are 100% not passive

With 7 years until retirement, I'm more of lower dividend, and higher growth. My portfolio currently consist of 13 ETFs and 1 CEF that is yielding a nice 5% dividend.

@rynewilliams

4 ай бұрын

Love it!

"Skin the cat" ? omg

Dividends for dummies what where and how lost please help

@rynewilliams

3 ай бұрын

Just keep watching these videos and you’ll get the hang of it. It’ll start to click!

What about investing a 400$ in stocks and then let it there ... would that generate a passive income 😅? Talking about buying stocks on interactive brokers platform. And we as south Africans just a $400+ is considered a lot of money

@rynewilliams

3 ай бұрын

It would be a great start for sure. Ideally, you'll want to consistently invest over a long period of time, even if it was just a few dollars at a time

Is this a start for someone who has no experience and not really a grasping of what you're saying? I know its about investing stocks but, after that🤔

@rynewilliams

2 ай бұрын

I think investing $25/week into ETFs would be a great place to start for someone who has no experience!

What about BND as 25 a week?

@rynewilliams

3 ай бұрын

I wouldn't expect much share price or dividend growth over the years, but some bond exposure may not be a bad idea

Question for you how much money do I need to invest to get $2000 a month? I got $10k already and like to know if that possible to make $2k per month on it. Where should I invest it at. Thx

SCHD and DGRO

@rynewilliams

4 ай бұрын

Great choices

Hybrid approach... Started out with 1K and 10 positions a little over two years ago.. Have expanded the portfolio to 34 positions and 15K... Hold some stalwarts and a few "risky choices".

@rynewilliams

4 ай бұрын

You're on the right path Kevin!

Would you get the $3000 a month if you just three the 50k in today?

@rynewilliams

2 ай бұрын

Try it out! This is the calculator I used to crunch the numbers: www.marketbeat.com/dividends/calculator/

Hi ryne

@rynewilliams

4 ай бұрын

What’s up Michael 👋

Hybrid for sure! Ryne

@rynewilliams

4 ай бұрын

I’m with you!

And as for putting money aside I do $400 ea month $100 per paycheck I get 4 paychecks per month from the 2 jobs I work I’m getting close to my retirement age of 60 and I’m only be getting $1885 per month from SS money So I would like to know how to get at least $2,000 more a month from investments Right now I live on $6200 a month from two jobs so 1885 is prenuts for retirement Please advise Thank you

@rynewilliams

3 ай бұрын

I would say just keep investing! Over time, your investments should grow to be a nice supplement to your SS money

@dayday-pj5rn

2 ай бұрын

Dam u got the money whew

I'd say I'm 80% high growth.

@rynewilliams

4 ай бұрын

Nice man. From the little I know about it, it seems like you have a killer portfolio

@davidclark155

4 ай бұрын

@@rynewilliams thanks I'm very happy with it. It's been a 25 year journey so far.

I started both my daughters IRAs and I am currently putting $20 each...they are 12 and 14 right now. Wished my parents had done this for me 😏

@rynewilliams

Ай бұрын

Great job! They will be so far ahead because you're doing that for them

@colekennedy5057

Ай бұрын

How did you start them IRAs if you have to have a source of income and I’m assuming they don’t have jobs at that age I’m wanting to start one for each of my kids they are 1 and 2 yo and looking for a loophole around they “source of income”

@juliocs5483

Ай бұрын

@@colekennedy5057 I have my own account with my job, which is not a ROTH plus I have a pension...Im going to pass the ROTH to them. They are my beneficiaries.

I wish I was 20 years younger. You are awesome.

@rynewilliams

4 ай бұрын

You're too kind my friend, thank you! I wish I was 20 years younger as well haha

Love your videos but i dont think i have 37 years left to live lol

@rynewilliams

4 ай бұрын

I get you Tony. You'll have to bump up your contributions then, and invest more than $25/week haha!

@tonyk6154

4 ай бұрын

@rynewilliams would like to know what calculator you use.. have about 10,000 to invest and can contribute 100 a week..would like to see how much that is is 10 years

@rynewilliams

4 ай бұрын

@@tonyk6154 it’s this one right here: www.marketbeat.com/dividends/calculator/

it stable?

@rynewilliams

2 ай бұрын

What do you mean?

I’m fine with hitting 1k a month from each ok 15 years lol

I love your videos but can we have how to generate £1000, £2000, £3000 per. Month with dividends fast. Within 5yrs/10yrs. That’s more realistic in terms of of our lifetime.

@rynewilliams

3 ай бұрын

You're just going to have to invest A LOT more money. I actually talk about that towards the end of this video here: kzread.info/dash/bejne/mpNosciritGafM4.html

One day...

@rynewilliams

4 ай бұрын

Absolutely, keep climbing!

How much money do you have to invest in DGRO for a 3000 monthly return. A million + a year? Sheesh

@rynewilliams

3 ай бұрын

It’d be nice if it were easier, wouldn’t it?

Put your tax return into it every year and it will generate more wealth sooner

👍🏻

greetings.

@rynewilliams

3 ай бұрын

Same to you!

Good enough for me lol 🤷‍♀️

@rynewilliams

3 ай бұрын

Haha there you go

1000

Good morning. 🌞 I moved to LA from San Francisco to be with my parents during Covid lock down. This Summer I’m moving out. I’m a single mom business owner. I feel anxious because I just read an article of nurse making $100000 a year and moved back home to save. I’m investing in reliable stocks. I started old, however, at least I’m starting so I can have some passive income in six months when I move out. The economy is going to tank that is inevitable. I do pay attention to solid companies. Nerve racking to know we sold farmland to Chinese near military bases and no reporting by mainstream media. I will not vote Democrat. None I like. I like Tulsi and Kennedy. Trump 2024. The judges verdict is going to screw up real estate market in New York. Peace ☮️

@rynewilliams

3 ай бұрын

Thanks for sharing!

@Mr50403

2 ай бұрын

I live in Missouri. The Republican senators voted to sell land to china. That was not Biden.

@rynewilliams how much do you think I would need to have invested to generate $2000 a month ? I have schd, Microsoft, qqqm, VTI. Microsoft and schd are in a Roth. The rest in a taxable and schd also

@kenoturner5882

4 ай бұрын

I have 21k invested so far

@rynewilliams

4 ай бұрын

I'm not sure to be honest. You can use this dividend calculator though and crunch the numbers. This is what I use: www.marketbeat.com/dividends/calculator/

@kenoturner5882

4 ай бұрын

@@rynewilliams thank you. I love that you reply to your people. I hope you make as much money as you desire