How Much My Dividend Portfolio Paid Me in April! ($171,000 Account)
HTML-код
- Опубликовано: 1 июн 2024
- Access Tickerdata and my Spreadsheets: tickerdata.com/
Get a $50 coupon + 7 day free trial to Seeking Alpha: seekingalpha.me/Dividendology
Join my free newsletter! dividendology.substack.com/
The Broker I use: www.interactivebrokers.com/mk...
In this video, we take a deep dive into my portfolio and find out exactly how much dividend income I made in the month of April. Let me know your thoughts in the comments down below!
Subscribe to my second channel: / @tickerdata
Social Media (and other fun stuff):
linktr.ee/dividendology
I am not a Financial advisor or licensed professional. Nothing I say or produce on RUclips, or anywhere else, should be considered as advice. All content is for educational purposes only. I am not responsible for any financial losses or gains. Invest and trade at your own risk. Some of the links in the description may be affiliate links.
![Kehlani - Next 2 U [Official Music Video]](http://i.ytimg.com/vi/MpI7ekFG8A0/mqdefault.jpg)
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/
Have you checked jepq?
The ultimate cash cow. You’ve got a good dividend profile, then you talk about it on RUclips and build a successful channel, use the money you make from that to speed up the dividend process. Genius l
Growing crazy.. in 3 years he has a million
One small point, but the Portfolio Cash is a fixed Cash Value and works out at about x% at the current Variable Portfolio Value, and not the other way round.
The Dividends are fixed Cash Values and work out at about x% at the current Market Price, and not the other way round.
Also, you didn't mention Income Tax on the dividends.
outside SCHD, do you DACA on any other positions or do you just add when you see a good price?
Towards the end of the vid you talk about not/reinvesting dividends... which is fine, but you don't talk about how your model continues capital contribution of $2500/mo. Your projections assume you keep pumping $30k/yr of capital into your portfolio. If you're living off dividends, shouldn't you also assume you're no longer contributing capital to your portfolio?
Correct. My thought exactly. A much better strategy is selling weekly calls/puts. Easy $2k a week, and that's being VERY conservative. And that's straight income. $171k is plenty enough to make that strategy possible.
@@BradHelsingthat’s what I do
@globalautobahn @BradHelsing how much you putting into those trades for that kind of pay back?
Wats your hit/miss rate of these types of trades?
*very surprised this thread didn't lead to a telegram or wats app number 😅
@@BradHelsing no not an easy 2k a week. I assume this is using all 170k… Imo it’s a bad idea to use the ENTIRE portfolio for selling options (especially puts) in case the stocks flop and you have absolutely no cash to DCA or defensively position yourself. You’re stuck holding the stock and gaining no interest on it while it melts to inflation for potentially a very long time.
In relation to the cost of living, it can change a lot through the years.
Relocation to a cheaper place once you reach 🔥makes a big difference to your portfolio.
Eating cheap noodles for 20 years also makes a difference 💩💩
@@Ffatih023 starving yourself for 21 years makes a bigger one 🤯
I got ET and ARCC stock with great appreciation from September and almost 10% dividend. I'm at $650 a month on dividends from $180k
Cool! ET will issue k-1s, probably late (after 3/15) so I'd only hold in an IRA.
You would make more than double that with SPYI or XYLD. Just a thought.
Do you have any video that you cover why you sold MPW?
Wow man, a $700+ day of dividends is just mind blowing. You are on FIRE! 🔥
Thanks Ryne!!
Come on man, put that into perspective. He is not making $700 a day on 171K. Further, his spreadsheet makes some HUGE assumptions and has some basic errors. First, you are NOT going to make $10,702.26 a month on the actual value of the contributions and dividends 801K+984k at 20 yrs. Second, you are not making 984k dividends off of 801k total contributions, Lastly, you get paid on a per share amount not the cash value of the stock. Consequently, his $3,682.549 value at 20 years is not real - its assumed, and you are really only going to get paid dividends based on how many shares your 801k and 984k actually bought. Even if I accepted that he made 984k off of a 801k contributions, that's roughly 1.8M. And, using his formula, that should be roughly 3.75% annually for a dividend yield, or roughly 68K a year or $5,600 a month. Then,,,, you lose at least 15% to taxes so your net is really about $4,800 a month on 1.8M. Still a great monthly income, but we are also back to how did he make 984k off of 801k. The real total divided amount should be around $302k. Which would drop the monthly amount to roughly $3,100 after taxes. www.marketbeat.com/dividends/calculator/
@@Dividendologyhello please can I cancel my patreon subscription..... I can't find a contact email on your page or way to do this.... I've been paying for 5 months and I'm not using it..... Please can you get in touch so I can cancel it.....
@@jgibbs6159 Market historically appreciates north of 7%+ /yr, including dividends.
Company's also increase their dividend payments overtime- ideally.
So yes while his unrealized gains do not equate to higher dividends, the growth of dividend payments overtime will result in higher and higher payouts on his basis.
In conjunction with actual market growth.
@@jgibbs6159 Calm down lol
I would be really interested in your opinion on AGM stock (Farmer Mac). The dividend stats on that one look really great to me, low pay-out ratio and double-digit growth over the last 5 years.
The video was going pretty good and informative, until you have mentioned the 2% projected inflation rate of USA. Stopped the video and my life flashed before my eyes because the inflation rate in my country is 100%/ year minimum. Sooo.. Fuck my life, I guess? Geography is destiny. Don't you forget my words, brothers and sisters. Thank you for reading.
Why should it matter? If you invest in assets denominated in USD you would only care about the real purchasing power of the dollar. It might even be advantageous to you if the currency of your country plummets
Quit being a victim and start up.
Good video, not sure about the schd position. Are you figuring a market rotation
Good stuff, already looking forward to next months update
thanks!
What if you would sit on tbils for a whole year and then in December buy that etf for dividends pay?
Everything here looks amazing but what happens when centralized banking takes effect to visa?
Question, signing up to ticker data, will allow us to track our individual portfolios like your portfolio here?
Yes! If you get the premium package!
Excellent info...is this portfolio a straight brokerage account? Traditional IRA? Roth IRA? I'm curious to understand the impact of different tax burdens, and whether the IRA contribution limits would hurt or help. I'm guessing the IRA contribution limits outweigh the tax benefits and it is better to set up with a standard brokerage account and worry about the taxes on each sale.
I am confused… why don’t you just 100% SCHD then use your cash reserves for when market crashes you can place it into inverse such as Spxs?
huh
Higher dividends for individual stocks,ETF is an average
Who in their right mind would do that?
@@Omar_Zazzle I do! I make around 20% returns each year and 45% when the market crashes.
Hey @Dividendology could you make a video showing how you imported charts on your dividend breakdown spreadsheet(specifically the freecash flow to dividends paid)?
I could do that! I’ll likely upload that to my second channel: youtube.com/@tickerdata?si=LVMoFR6pnaF59fTG
That would be outstanding!! I would love to see it super soon!
con cuanto capital inicial empezaste y hace cuantos años o meses?
Hi! I was curious if you are up 24% over the past year or overall? And if it’s overall, what is your year over year annual returns looking like?
Question is, will you be adding Alphabet or Meta, seeing they have the means to grow dividend explosively? Personally I feel they're too expensive, what are your thoughts?
Can you make a video on Starbucks after their latest earnings
yes! coming soon.
I actually bought at 73
When you reinvest a cash dividend your portfolio doesn’t actually appreciate by that amount. When a stock pays a dividend, the value of the stock drops by that amount. You’ll own more shares, which will hopefully appreciate, but the value of the portfolio on the ex div date and on the div payment date are the same
how does one know how much $$ to allocate to a certain stock?
In my opinion, reward high performing stocks, don't punish a stock that performs well by selling out in it to "balance the portfolio", but that's just my opinion and not financial advice.
Does access to tickerdata include full access to the dividenology diy toolkit spreadsheet?
After seeing your portfolio and how much it generates dividends annually I think mine has 100x more risk, maybe need to do some late spring cleaning on mine 🤣
Maybe I've missed it, but have you covered tax implications in your calculations? I know you did a brief display of that, but one you are hitting those 100k dividend payout years in the future that is 15k to taxes? So technically if you cover your taxes with your dividend income, you are only able to reinvest 85k, unless you make a really good income setting aside 15k might be rough.
Really what I think I'm questioning the most is the reinvestment of dividends, if it a tax shielded account like retirement/health accounts, you are either not investing from your cash flow or from your dividends, either way, I think this should be accounted for in all of the projected growth calculations.
@@ubuntunewb capital gains tax should apply to every dividend, but hopefully, this guys retired when he's making 100k per month from dividends and does not need to pay income taxes. If he lives off $4000 and contributes $2500. That would mean he makes about 120000k, which means he's already paying 3k per month in taxes anyway.
That's dividends alone, what about the interest from your investments too?
Why not apply inflation to monthly contributions?
Do you have your account in a retirement account? IRA etc. Or is this just a taxable brokerage account?
For your cash position, how do you go about contributing to that? Do you contribute to that and stocks at the same time, or do you switch between adding to cash or stocks? I only ask because you have a very solid amount of cash
Beginner question here. What is the best platform to trade on. Currently I use Robinhood but I am actively looking for another option. Do you have any suggestions to swap too?
I’d check out international brokers and see what you think!: www.interactivebrokers.com/mkt/?src=dividendologyPY1&url=%2Fen%2Fwhyib%2Foverview.php
switch from robinhood, its not great. Id recommend fidelity
3:18
Is "revenue per share" the same as "earnings per share" ?
Nope!
Thank you will look at it!
I really don't understand why dividend growth investors insist on saying "you can't live off of high yielding assets" when Dividend Bull exists.
Question: If you get 100k today would you go tomorrow and buy 100k worth of the sp500 or would you slowly porit i to the market dcaing the VOO example. Assuming you dont have debt or pay any type or rent ect ect...
19:05 If you are including a mortgage in your cost of living analysis, your goal should be to have a paid off property so that the cost of living is cut by 25 to 40%. (Depending on cost of mortgage payments)
Nice video, neat workpapers too. Going through similar calculations myself, you are way more optimistic than I am when it comes to growth projection/inflation rates. These differences stretch my horizon out a bit further. I sure hope you're right, though. Best of luck!
Best of luck to you as well!
How do you think about taxes? Isn’t it worse to take ordinary income instead of cap gains?
you can reinvest the dividends to make even more, that's something I would do till it's a pretty big sump of money... depending on how you're trying to live life obviously!
Absolutely fantastic video!
I do have one question though. You've mentioned that some of the companies have an expected increase in dividend yield payout moving forward. Why not wait until that yield is in a more interesting coeficient, rather that siting currently with the least interesting return?
The payouts will grow meaning if you buy in that your yield on cost will grow. But the actual yield of the company may not grow since the price of the stock will likely also go up over time.
While I am watching this video just got a notification I got a dividend pay out... €0,25
Takes money to make money. Always has, always will. I've managed to save a little over the last 30 years (not investing, just saving, which wasn't smart at all) from busting my butt as a laborer. Took $100K to an investor and said "do what you're doing with your best customers and make me more money". He said sorry, I can't promise you the same results. Why not I asked ? He wouldn't say. I'm no expert so I rely on professionals to do their jobs but that made no sense to me. I guess it's not as easy as everyone says it is.
He’s legally not allowed to guarantee results.
Also - his “best customers” might have different goals than you. It’s best to sit with an advisor and discuss your finances and goals. They will develop an investment strategy that is tailored to your desires and tolerance for risk
His best customer may be someone that told him to put $1M in the highest risk/highest reward place he had because they could afford to lose it and they got lucky - you can’t afford to lose your $100k so there’s no way to get that return with equal risk
Before 2022 I was making 35K a year in dividends. Several of my positions cut dividends, and I was over exposed with Russian based companies and a couple now bankrupt companies, so for 2023 and 2024 I am at 29K in dividends per year.
Exciting to see the snowball gain speed. Are the dividends you received taxed?
Of course they are taxed.
everything is taxed
Aren’t companies that opt for buybacks over dividends preferable then? More efficient
Should I keep dividend investing in a brokerage account or move to a Roth IRA or dividend invest in both?
@dividendology
Curious what you are doing here ^
Great video. Any reason why you don't invest on VOO or QQQ? Are you more focus on dividends than growth?
I focus on companies that can grow free cash flow year over year, and share price growth and dividend growth is a byproduct of growing free cash flow. So yes, I do focus on growth.
Dude, you're on fire! 7 months ago you were on 100K, how did it grow so much!?
He put a lot of money in
How do I get a portfolio like this started? Website? App? Do I have to speak to some kind of financial advisor?
Just open a brokerage to get started investing. Check out interactive brokers: www.interactivebrokers.com/mkt/?src=dividendologyPY1&url=%2Fen%2Fwhyib%2Foverview.php
what brokerage do you use?
I’ve been using public and interactive brokers. Like in description to both
Thank you for providing such useful information!
You're welcome!
How did you buy LVMHF? I cant find way to get exposure to them from my brokers
You should be able to through interactive brokers. Link in description.
Look at LVMUY it's the american version, has higher liquidity.
You gonna keep ahold of SCHD?
Yes
4k in expenses ? Are the cost of living in the US that high? That's my complete monthly salary here in germany and i'm in the top ten percent income group with that.
So move to Germany yes 😅.. that is pretty average.
What about TAX?? Show us after TAX figures
Sorry but I don't get the point of having dividend paying stocks and reinvesting the dividends... it's like you selling a portion of your shares and immediately after it buying it back! At this point I would just invest in non dividend paying stocks so I don't have to pay trading fees when reinvesting the dividends! Plus I wouldn't pay taxes on dividends too (for countries where that's the only tax like Switzerland). The only reasonable explanation I see is that in your opinion dividend paying stocks are more valuable or more reliable or just better in your opinion... but that's a really hard thing to prove I think! So what exactly is the point? If it's not cashflow...
By the way: if you would reply with the fact that the goal is to one day live with the dividends produced by this portfolio (i.e. cashflow), you could simply build a non dividend paying portfolio for now (to grow the capital), and when you want the cashflow just sell everything and buy all the dividend paying stocks you want, to build your goal dividend portfolio.
Because the best companies in the world pay dividends...People think you're sacrificing growth with dividend investing and that is just simply not true. I think you're thinking of income investing, which is technically different. He's not investing in high yield junk.
What happens if we have a hard landing? 😅
Hey, im just new to investing and dont have a large capital to invest. I invest currently around €40 per month in 4 large etf’s. Do you recommend to also invest in individual shares or just stick with etf’s in the beginning?
Really good content. Appreciate your research and tracking approach.
thanks!
in terms of the monthly cost of living, I see you did 2% inflation increase each year, that seems a little low to be honest with you. I feel the long-term inflation metrics are kinda a sham, inflation is a much larger, realer thing.
What are your thoughts on Verizon stock?
Verizon is paying me $6,000 per year in dividends!
Dudes great at spreadsheets!
Glad you like them!
Don’t know if you read comments on old videos but I see you have $CAT in your portfolio. Have you looked into $CMI as an option as well? I’d like to know your thoughts on $CMI.
Nice idea. I’ll look into it more.
Why not T OR VZ?
Not a fan. Don’t grow Free cash flow at a good level and dividend increases are below the rate of inflation.
I want so bad to be able to use my dividend investment portfolio tracker !!!!!
You should get on that JEPQ and JEPI ETF.
Are you still holding MMM following the news of a cut?
will make a video on this soon
I was wondering the same thing
Favorite dividend etf for long term investing for a 30 year old?
SCHD, DGRO, and VIG
@@Dividendology are you saying to use all 3? DGRO and VIG are so similar I would think the overlap is too much. Right now my IRAs are about $45k IVV and $20k SCHD
@@joshsantos9965why ivv? It’s way too expensive just put it all on SCHD
Did you factor in inflation?
Yes! See near the end of the video for this.
Looks great
I'm new to this. But how does it make sense to own a stock like DPZ when for the price of 1 share you can get 40 of Ford? The $520 gets $6 per quarter with F instead of $1.51 with DPZ. For dividends it seems like lower priced stocks in larger quantities is much better.
The price of a stock has nothing to do with its quality as a dividend stock. This video will probably start to give you a better understanding: ruclips.net/video/GQHe7LejhEg/видео.htmlsi=gBEdZsU5fIP3mQVX
Yeah I believe you are right. Me personally I don't see Ford as a quality stock for dividends, too unstable. There are plenty of other lower cost higher quality stocks that will pay a high 5% to low 4% dividend rate. Also some of those stocks mentioned are too high to invest in for divis. If you rack up on a dip and they grow out that's great. But to buy Dominos at $500 doesn't make sense.
Add arcc and spyi
This is cute and all but I’m rolling $200,000 into a 30 day t bill and it’s making me more money than this per month … I’m passively making 5.5% on that which is just under 1K a month and a hell of a lot less work and a much more secure investment but what do I know?
that can be a great option depending on your goals and is a great way to make some income short term. But if you have a longer time horizon, dividend growth will way outperform long term and provide more income. Here's a video explaining this: ruclips.net/video/GQHe7LejhEg/видео.htmlsi=_alxyqqMDwcZbvyl
@@Dividendology I totally agree with you but with interest rates and the yield curve being inverted the 5.5% I can get directly through my Chase account is much easier to continually roll the cash and add additional cash to. I know it’s not going to last forever, but if interest rates continue to stay this high in a very interesting market I’m going to continue to take advantage of that easy 5 1/2% netting me almost $1000 passively until it doesn’t
5.5 percent is very safe, but Ive been able to get 5.5 in a month on several different investments. Mostly on Etfs. The due diligence is well worth the effort.
@@MrDave9111 for sure but this man made an entire video about how he’s managing almost 200,000 across all these different stocks and ETFs and he’s barely making as much as t bill
@@erinwolfkilla Keep in mind that 5.5% doesn’t grow and will likely decrease at some point, where a dividend growth company will increase their dividend giving you an ever growing yield on cost over time. It’s a long term play as he stated, but it is the best long term play. Haven’t seen anything come close over a 25-30 year time horizon.
Nice Job, appreciate the content and portfolio update! 👍💰💰💰💰💰💰
In which platform do you have such a big amount of money? Which is so trustworthy?
I hate the dividends because you are pay taxes. I prefer the compound interest ETF because the stock growth more than the dividends.
Opinions about FedEx?
how old were you when you started and how much did you put in monthly as opposed to now
Started at 15 contributing around $50 a month
This video is like when Berkshire Hathaway releases their moves quarterly
Lots of risk going for individual stocks
Starbucks just tanked like a rock!!! Update pweaze!
Coming tomorrow!
Better of doing 100% $VOO until youre closer to retirement. Unless you need the cash dividends today, but since DRIP is on, i assume you dont
Very inspiring!
I get the appeal of dividends when you are actually living off it but why invest in dividend paying stocks during accumulation phase? That's just bad statistically speaking.
Hey great minds think alike! I put into QQQ, VOO, GOOG, BRK.B, V. But now I am worried about a market crash like the one in early 2000s 2 consecutive negative years with a total drawdown of over 50%. If the market crashes during my retirement, it is bad news. I will have to cut spending drastically to wait for the recovery. It took 14 years to recover. I might be 6 feet under while waiting. And if I switch to dividend ETFs or stocks at tge start if my retirement, I will get a huge captal gains tax bill.
But... can you start from a few thousand? Or a few hundred?
And if so, why aren't we seeing that video?
You can! I started out investing $50 a month. Maybe I’ll make a video on how to start sometime!
@Dividendology I think that'd make a good video. That would open people up to being able to use your other videos to their best.
What’s your opinion on Starbucks currently? Sheesh dropped like a rock
video coming soon
All these spreadsheets and work when you could just invest in VTI and chill and likely have better performance than dividend investing...
I mean after 15 yrs at 2500 per month and a 1st contribution of 173000.
Dividends are nice but if your way too safe you won’t be making any money off of capital gains
Has RUclips been your primary income source to build this?
RUclips helps, but I've been working as a financial analyst at a real estate company and run another small business.
its going to be interesting to see what happens after the election when we enter into the next recession what this channel will look like :D
You can speed up that process faster by moving to a lower income state or country and retire just living off dividends.
Most important rule of investing: time in the market, not timing the market. Do you agree with me?
Why would you put your money into dividends earning 3.71% when you could put it in a HYSA and earn 5% and make $712.5 a month right now with your 171k?
This video explains: Why Dividend Growth Investing Pays BIG!
ruclips.net/video/GQHe7LejhEg/видео.html
How much money did you start with
0.
@@Dividendology how did you buy a dividend with zero dollars?
I worked until I could invest around $50 a month.
everyone is starting out with 0 dollars duh.. lol over time he been putting over 140k in his 170k portfolio
@@Dividendology Is prostitution a good profession?
I have a little over 4K in my portfolio and can only invest at most $400 a month. This is gonna take a while.
Sounds like a great start! I was only investing $50 a month when I started.
Nice but as far as I can tell you are extrapolating the largest bull market in history to last forever in your projections... it would be smarter to project actual long term market growth history not your short term portfolio growth during a bull market...
7% is the slightly below the average long term, even when inflation adjusted. Market returns annually were much higher than 7% over the past decade
@@Dividendology Past decade of American stock performance is a very big outlier and is not realistically going to continue for the next 40 years.
@@Dividendology US itself has been an outlier in recent decades and it makes more sense to take the world average which is a bit less than 5% after inflation.
@@why_thoughYou’re right
MMM cut it's dividend and needs to be dropped - very predictable based on their legal issues... MPW will be bankrupt by 2026 when major loans reset...
WOW!