Building a $1 Million Portfolio of Monthly Dividend Stocks
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- Опубликовано: 20 сен 2024
- 80 monthly dividend stocks exist in the U.S. stock market. Most yield between 5% and 20%. Find out if a portfolio of these dividend payers makes sense in retirement.
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I would think that a major benefit of dividend investing is that calculating portfolio size needed is not relevant. We don't care about the value of the portfolio. We care about the sustainable income it pays. As you invest you can gradually see the income rise as you invest more and pull the retirement trigger when it's high enough regardless of the market sentiment.
Calculating the portfolio size needed is very relevant. - How else do you know how much to contribute?
By calculating how much additional income the contributions produce and estimating how that income rises. the capital value will fluctuate up and down over time so the amount of income new additions give you varies. so capital value being high with a market yielding 2% is no worse for retirement than the same portfolio at a different timepoints where the capital value is half and so the yield is 4%. so long as the yield is sustainable in real terms the capital value being half does not matter. its the same income stream at a different moment of low market sentiment vs high market sentiment.
I agree and that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
‘’Marisa Breton Dollard’’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
now do a Vid on monthly dividend ETF's .... JEPI/JEPQ /SPYI etc.... you would be more diversified
This is a good idea, thanks! I"m always surprised how much interest there is in covered call ETFs - those yields are too high to ignore. In case it helps, here's an article I wrote on the topic last year: www.simplysafedividends.com/world-of-dividends/posts/5625-covered-call-etfs-too-good-to-be-true
Hope this helps!
- Brian
PFF and PFXF fall into monthly as well. Would love to hear comments on those.
Time is on your side, young men... even if you start again at 40 like i did. Invest continuously and often. This time, i have my learned knowledge from my previous failure on my side
Some wise advice here. Keep it simple, and keep to the plan. Thanks for watching and commenting!
- Brian
Awesome video! Thank you for Simply Safe Dividends!
Thanks for watching 😊
- Brian
Wonderful!!
I have been a subscriber to Simply Safe Dividend for four years.
Monthly dividend ETFs is my choice with a few quarterly dividend ETFs in the mix
Hi Darryl. Thanks for watching and sharing your thoughts. I agree monthly-paying funds are generally a better option than most monthly dividend stocks. Sounds like you have a good strategy in place.
- Brian
I love it! Like a bonus every Q
This is my second favorite video (Centurions' ruled), I would love to see a video of a $250K or $500K portfolio that pays every month but balanced in sectors, and stocks selected so every month receives around the same amount of payout, without the restriction of the companies paying monthly.
Sweet, great video. Now i just need a Million Dollars and I'm all set.
I'm sticking with ETFs, especially covered calls.
Thank you for the helpful content! Love the idea of your site, but it is a bit out of reach for us here, in terms of cost.
I have over 300 monthly dividend stocks and 2 weekly payers
Wow, that's a lot of stocks! What are the weekly payers?
Thanks for watching,
Brian
Love your work Brian. I just subbed for your videos and I am also a subscriber to your website which I love. Thanks again.
I really appreciate your support, thank you! Glad to hear you are enjoying the site, too. Hope you have a great week.
- Brian
thanks for helping us finding the good ones among that jungle of monthly payers!
My pleasure! It was a fun topic to explore, and I'm glad it was helpful. Thanks for watching!
- Brian
Great video 👍👍 Thank you for the info. Have a great day 😊
Great video! Would it be possible to recreate the same analysis with monthly dividend ETF’s?
Great video! After this, I'm not sure I want to own ANY REITs!
What is your presumptive starting point for annual income? $100k? $75k? People can COMFORTABLY live on MUCH less. $50k is plenty for two people to live on, who have NO DEBT and a paid for house. If someone were to do ANY of the portfolios you presented, and lived on $50k, the REST is helping to reinvest in the initial million dollar starting point, and would grow the portfolio every year.
Can u break down a step by step tutorial how to build that exact portfolio for beginners
Thank you!! Subscribed!
Thanks, Jeff! Really appreciate your support :)
- Brian
Can you please make main street capital?
Thanks for your suggestion! I'll keep Main Street (MAIN) in mind for a future video. You need a strong stomach to hold this one over a full cycle (BDCs tank during recessions as risk of credit losses spikes), but it's the only BDC I own.
- Brian
Do you review ETF's
How can GAIN be only Borderline with a 125% payout ratio?
Thanks for watching, and I apologize for my delay in responding! Here's an excerpt from a note we published in 2020 about GAIN's unique payout ratio situation. Hope this helps:
Gladstone has an external management team which earns fees from the company, including 20% of realized capital gains. This makes analyzing Gladstone's dividend coverage more difficult.
Under accounting rules, Gladstone must accrue an expense each quarter when its equity investments appreciate in value to recognize the capital gain-based incentive fees owed to the company's external adviser as if it liquidated its positions.
However, in reality, Gladstone does not pay these fees until it actually sells an investment. The net investment income reported by the firm does not include divestments but is reduced by capital gains-based incentive fees, which Gladstone then adds back to arrive at what it calls "Adjusted net investment income."
We believe this is a reasonable adjustment to make, and it makes a big difference when evaluating Gladstone's dividend coverage.
Lots of those stock lose value and cut dividendea