How Much My Dividend Portfolio Paid me in July! ($88,000 Account!)
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- Опубліковано 7 лют 2025
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dividendology....
In this video, we go over exactly how much dividend income I made in the month of July from an $88,000 account. Let me know your thoughts in the comments below!
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buy some hard asset! like real estate that pay you rents.
you have more better yeld on real estate... buy 1 real estate in cash... colect mom the rent and invest in stock...
in stock market are a lot better stock that pay dividens "rents" of 8 - 10 -12 % and inexpensive!!!
that s so easy..if u have money@@alpinismutilitar3886
I like this idea, but Im confused why 3k a year for 88k is considered a good investment. I would understand if you had around $1M in the bank getting dividend payouts since that would be a whole salary, but wouldnt housing or a business be a better way to make money to then invest in dividends or is that where the money is coming from?
Yes, most definitely
Really like these videos. They are informative and well done. But i just dont see how you can think that inflation yearly could be only 2%.. Nearly everywhere in Europe we saw around 15% inflation just in about everything. I did a research in local rent market and prices all around increased in around 14-17% in last 5 years. Food, car fuel increased even more.
Edit: Unless I missunderstood something with your cost of living.
The average rent and housing increase in the USA since 2018 was 31%. Granted one place was spared which was Minneapolis MN which was around the 2% per year average.
The U.S. inflation target is 2% per year. The Federal Reserve tries to keep it around there with monetary policy. That might be where he got 2%
Good work bro, I ripped the bandaid on WBA but I think 3M long term still has valid potential past lawsuits.
SBUX for life
what an excellent point! Dividends are paid out of free cash flow so if you want to see the potential for dividend growth, that's where you should look. But I have one question: if the free cash flow increases, it may not be the case that the company increases their dividends, correct? I know with REITs, they are required to give 90% in dividends. But for other products, that is not necessarily the case, correct?
I just want to encourage all younger individuals to invest in quality dividend stocks. It pays!!
For example a 10,000 dollar invest ment in Norfolk Southern back in 2001 is now worth over $388,000 and pays yearly dividends of over $6,000.
Our family has been investing for over 30 years. My dad started our portfolio and after his death I manage the portfolio. You DO NOT need to pay a brookerage or money manager to do this. That's a waste of funds.
I encourage my own 19 and 20 year old children to invest for the long term.
Just do your reseach, and remember time is your friend. Start young be consistent and reinvest your dividends while you are young.
The only other advise I would give is pick up at least 1 oz of silver every month.
Stocks are growth .. precious metals are savings / money preservation. Think of it and another form of diversification 😉.
I applaud the young man running the channel. Great job!
Good luck all.
great advice! thanks!
Would you be able to talk about taxes related to dividend accounts? I am very interested on the taxes compared to a growth portfolio.
I'll add this to my list of videos to make!
@@Dividendologyyess great idea 👍
Great idea.
I pay Zero taxes on 80% of my portfolios and about 5 to 10% on the rest and yield on the zero taxes is 10+% so in translation 100k makes me 10k a year tax free so roughly $833 a month compound it and in a year you could get $1000 a month. Best Wishes All
So, those original clips look like soft close. Did you check if the switch was on? Some come with the button pushed in which deactivates the soft close.
Great video but personally, I find that investing in index funds and ETFs give me a better overall yearly return than dividends.
unseriuos
May want to adjust your inflation rate for your projections, it's like 3.18% right now. Thanks for sharing
UA-cam algo recommended your video. Great watch. It is nice to see someone else in the same general area I am in terms of portfolio value. You are more conservative than me and more active than passive but I do really like the set-up.
Thanks for watching!
Going to be hard to outperform owning 40 companies! I suggest trimming and loading up on your highest convictions. Great vid.
That's the plan!
Good video I appreciate the insight. I'm considering starting to invest and dividend strategy seems great in a sideways market like it's predicted we'll have coming up... but I can't stop thinking I'm better off staying in my 5% savings account. Maybe I'm just too risk adverse.
Why not do both? You will not earn significant wealth via a savings account alone.
If you're afraid, what I'd do is save up 5-6 months (or whatever you want) in cash for an emergency fund, and then invest everything else into quality companies/etfs. Doing this will give you a cushion and I highly doubt quality companies or etfs will disappear. If you need more money for whatever reason, you can just withdraw it (takes typically 3 days to 1 week to withdraw). If you don't know what you're doing, look into broad market etfs like SPY, QQQ, etc and always learn what you're investing in before buying. Good luck!
@@MRG365. agree with you here and appreciate the helpfulness. I guess my sentiment relates more to the concept of never having access to 5% savings account before, it's a new concept for me and feels like no risk winning. Is it a better option until interest rates are reduced? If the market may be on par with that rate over the next couple years, everyones still DCA into stocks anyway? That's what I'd been considering lately. Long term, decades, it makes sense.. but saving my first $100k in the next couple years, the consistent interest payments seem great
Do a bit of both Will! My savings account is near 5%, but my ROI for last year is roughly 50%.
It's not hard to get double digit returns if you select a handful of good companies, the key is to balance your needs, an emergency fund, retirement account, savings, and personal brokerage so that no matter what happens financially you have a next play.
What I do:
$250 per check to high yield (4.5%) emergency fund until it hits $5k.
15% post-tax for luxuries
Just over 12% pre-tax to retirement accounts
~50% post-tax to necessities (a bit less but that is roughly what I spend for mortgage, insurance, student loans, car, food, etc.)
The remainder goes to brokerage, because I see higher returns in that than I do in my savings account.
I invest, I don't trade, so my (long-term) holdings are:
PBR.A - Excellent yield and profit / market cap ratio. Makes a *lot* of money in this sort of oil environment. If political risk is too high for your taste, try Oxy. Less risk, less reward, but still a great company.
AMT - American Tower Corporation. Near its 52 week low right now and a fantastic company.
PayPal - Just like AMT, cheap right now and very nice company.
Moody's - Hard to go wrong (2008 being the exception)
Visa - Their returns are wild, and credit isn't going anywhere any time soon
Mastercard - Just like Visa.
SPYI - High income S&P 500 ETF, I prefer it to SCHD.
EWZ - Brazilian ETF. Brazil has ~13.5% interest rate (wild high) and its fed has signaled rate cuts, which is good for Brazilian equities. With or without rate cuts, their market is strong.
Sorry about the ignorance (I'm trying to learn xD) but, if the dividend that you earn each month is re invested you will only "make" that money when you sell? Losing the portfolio, so how can you live off dividends if the money has to stay invested? Is this right?
No…when you’re ready to retire you would stop reinvesting the dividends and instead you’d be using the dividends as your income. You would not have to sell at all but you’d be able to use the money for yourself.
Awesome looking portfolio! You gonna try and condense down a few holdings? I'm trying to hold around 11-13 total holdings, and I know at one point I thought I seen you wanted to condense a little.
That's the plan!
What type of account are your holding in (taxable, Roth, Traditional 401K, etc)? If taxable, where on your spreadsheet are you covering the tax drag that you are experiencing during your DRIP since you have to pay taxes at capital gains rates for most dividends received?
Totally unrelated….your my dividend sensei so hoped you may know. How is Walgreens still a Dividend Aristocrat but for the 5th straight quarter paying 48 cents a share for the dividend? I’m assuming as long as it hikes once in 2023 it’ll keep it status and essentially they can raise it next quarter and stay in the dividend aristocracy? It’s been 5 straight quarters of 48 cents and seems like they haven’t done that prior. Thanks
You can make over 5% in treasuries, and 6% in agency bonds at zero risk. While I understand the idea is to build equity in good companies I have a hard time trading in a risk free +5% when I can wait for these stocks to go on sale.
Zero risk? xD
@@bartz4439 Yes Zero. The federal gov has never defaulted on a loan. If the Fed can't back T-bills then we all have much bigger problems.
@@bartz4439what are you suggesting has less risk by your definition? If treasuries default then every other part of our economy and all stocks will be screwed too. They’re as risk free as you can get.
I have also reduced the amount of positions and have now 23 my goal is too have around 15-20 great company’s.
I personally sold Altria because I think the high yield can’t compensate the lack of dividend growth and Stock price growth.
You should allocate more to the Energy Sector when you start concentrating your number of holdings overall.
Thinking the same thing. Buy the earnings dips which are largely attributable to lower oil price during most of Q2.
ET goes ex div next week for instance and it’s down AH today. $13 entry looks good.
Looking at performance, the energy sector isn't outperforming anything though?
Have you ever done a rundown of your portfolio? Like how many you own into each stock?
Love the break outs and details. One thing to think about. In 2040 will 7 grand a month be enough to live on? A sage told me to invest my money into how to make cash flow first, then invest the large sums from the cash flow into stocks.
Are you using schwab for your brokerage account
I liked your spreadsheet. Do we have to keep paying monthly OR when we pay it once we can keep it?
I have to make updates periodically to get it to keep working, so monthly is best. One time payment will give you access, but the sheet will eventually have problems if you don't get the updates.
Nice detailed walkthrough..
But don't you think you could have better returns if you took a bit more risk..
But risk isn’t necessary.
@@berberlaulau investing isn't necessary either
That’s right.
What age did you start this and how much cash are you adding each month to this portfolio?
His spreadsheet shows he's contributing 2500 a month
@Dividendology thank you so much for sharing, it was a great review
If I heard right, you might chop VZ, WBA, which are your plans with MMM?
Or, you too can chase yield by taking risk. What does the spreadsheet have to do with anything?
How do you get the data feeds for you excel pls? Free api?
From webscraping!
how much cash do you add each month or is it something variable? I want to start a portfolio and inherited some money, but I want to know what amount I should try to invest each month.
it can vary a little, but my target is $2,500. Everyones situation is different though.
Simple answer: As Much as You Can. Don't buy a new truck/car, invest, delay purchasing and allow the investment proceeds pay for it someday. Penny saved is a penny earned. Whatever your investment mechanism of choice (as long as proven, reliable, diversified, etc) living below your means and investing will allow you to have more choices and freedoms in the future. there's a reason Warren Buffett calls compound interest the 8th Wonder of the world.
"Compound Interest is the eighth wonder of the world. He who understands it, earns it ... He who doesn't ... Pays it".
in Canada you get taxed about 15% on dividends. do you think this should discourage exposure me away from US dividends?
Any opinions are appreciated
I understand dividends very well as a retired person we live on these. They also fluctuate with the market throughout the year. We have many companies in different fields to minimize our risks, EFT`s are a great way to get started but they lack the % over a single company. Hard to live on your "gains" tho no matter how well done your charts are. Just a tip, if your getting 11% gains and only 3.5% dividends its time to sell, put your profit in the next company. Take the $9k out and have a holiday even. Don`t forget why your doing this life style
This is good advice. Sometimes I look at the portfolio to see numbers accumulate and forget the reason why I have a portfolio. Live life too frugally and miss out on experiences.
"I buy because I like this company, now is down, so I sell, because ..." I think you should look at each company if you want to hold, and companies which get more expensive should be more look at, because if you buy for $100 when it cost $80, you should buy more, and not sell. And if you don't do enough research before buying... this is first thing to change.
I have TSMC stock, brought few years ago, and today is more in bucket to sell than to hold or buy.
I love the Analysis! Thank you. However, this seems complicated. Ive been pulling in about the same monthly divs with 50k in VMFXX this past year.
high yield typically doesn't provide the best long term results. That's why I like dividend growth.
@@Dividendology Isnt that just a money market fund?
Once you start living off of dividends, shouldn’t the monthly contributions end?
fantastic work with that spreadsheet
Thank you!
Im not on that Dividend train, but im in the VT and Chill train
Great video,
what are your thoughts on starting to invest in dividends at 16
it can be a great option, just focus on dividend growth investments, not high yield.
You're showing 2.5k contribution during the months when you can live-off dividends. Technically you're getting 6k and you're showing 2.5k as contribution so net you've lower amount than needed.
How about building into the cost of living analysis, that as soon as you can live off dividends, you will, so from that point the drip will cease.
good idea!
Is dividend stocks good to invest in and to gain Dividend money back for invest
Just started investing at 19 into a roth IRA and only putting 5% into company 401k bc that what they match but don't know where I want my portfolio to go. My main choices for my roth are just large cap ETFs and international ETFs. Would love some advice :)
That's awesome! If you can, I recommend increasing your contribution to 10%. My Roth IRA and Roth 401k both invest in the S&P 500, and I also own some JEPI in my ROTH IRA. I personally believe etfs are the best way to go for those accounts. If you want to play around with individual stocks, I'd do that in a traditional/normal brokerage account. You're on the right track. Best of luck to you!
I probably wouldn't pull out of those companies myself.... most of all at a loss.
in the long term you want to have no more than 20% in each investment type (ETFs, Stocks, real estate, bonds) and with in that no more than 5% in each holding (JEPI, SCHD, apple, microsoft)
so eventually you will be buying these stocks again in the future... and in the future they will probably be more expensive to buy in to as stocks go up in value over time almost always
SCHD will be an achor imo and won't stay with the S&P anymore.
I have a question, and I'm sorry for my ignorance, I'm not from the States so I don't know. But do you have any tax lowering strategy? Where I'm from, dividends are Highly taxed and that has a heavy impact on the compounding effect!
Pd: As usual, thank you for your great content!
Great question. Taxes obviously vary based on a lot of factors such as location, income, and whether or not you are utilizing a tax deferred account. I do my best to utilize different strategies to lower my costs, but strategies will look different depending on where you live.
@@Dividendology I think that in America it's the same, but if you have a position that you bought for let's say, 10, and now it's trading at 8, and you sell it close to the 31st of december and you buy a highly correlated asset, you get to write off some taxes, but it ain't so easy and sometimes it doesn't work, it's a risk
Great video again!
Thanks again!
What stock gave you the biggest dividend in 2023? So far?
SCHD
@@Dividendology Thank you
Great video and knowledge way to go 😊
This is great!
Mad excel skills!
Thank you!!
Does the patreon include a video on how to use the spreadsheet tracker? I would love to use something like this.
Also, can you tell us how much you put into the portfolio per month or year? Your calander shows the value and the cost to you. I'd be curious how long it has taken you to get to where you are now.
I have multiple tutorial videos on my UA-cam channel!
The amount fluctuates a little, but I aim for around $2,500 a month.
What's a good stock to invest in to earn about 12000 a year extra income?
Personally I feel diversification is vastly overrated when you invest in ETFs. They are already diversified as long as you read the prospectus and understand what the ETF is tracking.
That doesn't make much sense, you think diversification is overrated but you can be diversified if you do research on diversified etfs? If you don't believe in diversification you shouldn't want to even invest in etfs and just pick a few stocks.
@@shanegreen1477 It makes perfect sense. Most ETFs are inherently diversified. You don't then need to pick like 10 more dividend industry or general stock unless you have a personal plan with those shares. The ETF is doing the work for buying and holding by being inherently diversified.
I also never said I didn't believe in diversification. I said you don't need to when having ETFs
what happens with SCHD if Charles Schwab will go bancrupt??
If Charles Schwab goes bankrupt then you have bigger things to worry about, all your money would be worthless
Great video. Do you factor geopolitical risks into your portfolio and what region are you heavily invested in at the moment? Given the recent tensions with BRICS and "de-dollarisation" movement from many countries, is there a risk your growth forecast? or even otherwise (worst-case scenario).
geopolitical risks are considered
Yeah but real estate is where its at tho! I juz give them the side eye and keep quiet
Let's pie charts - from largest to smallest
Nice video!!!
Thanks!
Thanks a ton for this video; it really highlights the power of DRIP.
Can you make a video on managing your dividends? I am horrified at the taxes I need to pay on DRIP if not having a Roth IRA; especially being a FIRE aspirant?
Im forever indebted to you and can't Thank you enough for your videos.
Great video
You should split up the ETF income by sectors too
yep! On my to do list.
2500 a month crazy bruh
You could get a better yield in cash with no risk right now. Not sure what the point of doing all this work for such little yield.
It will provide dividend growth and capital growth long term. This will make it much more attractive than holding cash
You have to add in the increase in stock price as well. Also Interest from savings account gets taxed as income, while dividends get taxed at the lower capital gains tax.
Next lesson……..how to make such awesome spreadsheets lol.
I've got a few videos on it, but not one for this particular spreadsheet.
You do not need 2 million you just need $400,000 to get $6000 a month
Not sure how you got that number. That would be $72,000 a year or dividend yield of 18% on $400,000 which I don’t think is feasible.
Sorry $400,000/ 9.5 = 42,105 ( shares of AGNC) = $5052 X 12 = $60,631. So way less money used to reach the average GDP in the USA@@Mactakun
And you used 2 million so if I purchased QYLD $160,000 worth I would of spend way less than $2 million to be paid $88,000 in dividends yearly.
AGNC is decreasing dividends almost every year and the price of the stock is decreasing every year for 10 years.
Your numbers on QYLD are way wrong. It’s trading at 17.5 right now and has a yearly dividend of about 2 per share.
These are risky. And that’s why their dividends are so high. If the price of the stock, aka value of the business, is decreasing over time. So will your money and your dividends. The point of this video is to pick stocks with potential. And not just based off of current dividend yield.
If you truly think these stocks have value, then buy and be a very rich man.
Why don’t you use covered calls and cash secured puts to boost your cash-flow ?
Thanks
Can you give us a realistic estimation on when the spreadsheet will be updated for European investors too? EU ETFs cannot be found
I’m working with a developer to create a custom solution on this. We actually met 2 days ago and the project is complete. We’re going to select a few people to beta test it and then roll it out.
😂
taxes
3.51% APY? you can make 4.5% with a savings account right now lol
No capital growth and no dividend growth. Even high yield savings accounts way underperform the stock market long term.
You have to add in the increase in stock price as well. Also Interest from savings account gets taxed as income, while dividends get taxed at the lower capital gains tax.
Just subscribed. Have you looked into selling covered calls on your stocks to generate more income?
Thanks! I’ve considered it.
17 with 4 income streams soon too add more and more and keep growing
that is awesome!!
Sell buddy before it’s too late
short term who knows what will happen, long term- there's no doubt the market will go higher
Don’t want to watch through this can someone just tell me?
Brainlett