I like investing in close-end funds that pay monthly dividends. The trick is to hold long term and reinvest the monthly dividends plus buy more shares on a monthly basis or when ever you can afford to. This can be easily done because close-end funds are bought and sold on the stock market just like regular stock. That’d be enough to create a portfolio that would pay you between $50k to $70k in dividend income
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
As a new investor it's always great to hear from a person who has gone through all the difficult times and come ahead of it. What are some strategies i can employ to be successful?
Finding financial advisors like Camille Alicia Garcia who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
During recessions, assets often undervalue. By investing wisely in stocks, real estate, or businesses during this downturn, you position yourself for significant returns during the economic recovery.
An obvious way to invest for a recession is to buy shares in businesses that are likely to experience steady demand even in a downturn. Typically, those are consumers staple, utilities and healthcare companies. But of course, such decisions can’t be made by an average joe, a CFA is highly recommended in making this decisions..
Since the outbreak of 2020, which had a significant impact on the market, I've been running all of my investment decisions through an CFA because their entire philosophy is center around using a high-profit oriented blueprint while simultaneously going long and short, as well as reducing risk exposure as a hedge against inevitable downtrends. Underperforming is almost impossible when combined with their access to strange data and analysis.
@@MariusNatt Thanks, I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
Marisa Michelle Litwinsky is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
These calculators are wildly inaccurate. The dividend yield on the portfolio 20 years in is like 11%. That is absurd. What is likely to happen is that the portfolio grows at close to market total returns and the dividend yield stays around 3.5% where it started. These income projections are bunk. Run an actual backtest using SCHD or VYM and you’ll quickly see how bad and misleading these calculators are.
I ran a back test on SCHD starting with 100k and contributing 36k per year, for 12 years ending balance 1.3 million. That dividend calculator using 3.49% dividend, 11.5% dividend growth (which is SCHD's average for the past 11 years) , 3% share price growth and got less, 955k. So it's not over estimating compared to back testing using historical #'s, it's actually less. Can you share you #'s, I could have done something wrong. EDIT: I also don't really like these what if videos, they are pretty bunk IMO. I much prefer real life examples of portfolios, these are just Fairy Tales
I’m assuming the videos means yield relative to your costs not current value. You’re right that as dividends increase, most likely the share price will also increase resulting in a static yield.
Even his own account doesn't line up with the Estimation spread sheet. His spread sheet shows year 18 at $511K doing $49K annual dividend. But his account with $541K is only doing $26K annual dividend income. I get that the dividend goes up with price growth and percentage growth. But Not accounting for down years and just plain business sustainability. Will this still be sustainable for these companies to pay out that much money to share holders? Or will that money get reinvested into the company, bonuses, expansion, rainy day cash funds...etc. These 20+ year outlooks don't seem logical to me, imho.
The dividend may be a 3% yield today if you buy it. If you buy today and hold, your yield on cost goes up above 10% because they will pay out more in dividends over time, but so will the price. So 10 years from now the price on the stock will also increase keeping the yield at 3% but you bought it 10 years ago. When it was cheaper so the yield, vs the yield when you purchased is totally different. You can see this happen with Home Depot. In the 90s Home Depot payed .05 a share now they pay over 3.00 a share. If you bought HomeDepot and didn't sell it you dividend growth is crazy and your yield on cost would be well over 10%
@@josephcox3091 that is true, and an illustration of my exact point. The information he put in the dividend calculator is incorrect. You can look at the final portfolio balance and dividends produced in the last year of the model. The yield is way too high to be realistic. The yield should be the same year over yeah, within one percent or so in order to make the model represent somewhat realistic results.
Next video ... How much NAV depletion do you tolerate? No Dividend Traps! How do you select a new Stock or ETF to add. When do you delete a Stock or ETF. What is the minium Dividend GROWTH rate. How do you allocate across the 50 investments? Do you ever rebalance. How?
I like investing in close-end funds that pay monthly dividends. The trick is to hold long term and reinvest the monthly dividends plus buy more shares on a monthly basis or when ever you can afford to. This can be easily done because close-end funds are bought and sold on the stock market just like regular stock. That’d be enough to create a portfolio that would pay you between $50k to $70k in dividend income
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
As a new investor it's always great to hear from a person who has gone through all the difficult times and come ahead of it. What are some strategies i can employ to be successful?
Finding financial advisors like Camille Alicia Garcia who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
During recessions, assets often undervalue. By investing wisely in stocks, real estate, or businesses during this downturn, you position yourself for significant returns during the economic recovery.
An obvious way to invest for a recession is to buy shares in businesses that are likely to experience steady demand even in a downturn. Typically, those are consumers staple, utilities and healthcare companies. But of course, such decisions can’t be made by an average joe, a CFA is highly recommended in making this decisions..
Since the outbreak of 2020, which had a significant impact on the market, I've been running all of my investment decisions through an CFA because their entire philosophy is center around using a high-profit oriented blueprint while simultaneously going long and short, as well as reducing risk exposure as a hedge against inevitable downtrends. Underperforming is almost impossible when combined with their access to strange data and analysis.
@@MariusNatt Please who’s this CFA that guides you?
@@Rachelschneider03 Vivian Jean Wilhelm, she's well known , top notch
@@MariusNatt Thanks, I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
Do you mind sharing info on the adviser who assisted you?
Marisa Michelle Litwinsky is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
These calculators are wildly inaccurate. The dividend yield on the portfolio 20 years in is like 11%. That is absurd. What is likely to happen is that the portfolio grows at close to market total returns and the dividend yield stays around 3.5% where it started. These income projections are bunk.
Run an actual backtest using SCHD or VYM and you’ll quickly see how bad and misleading these calculators are.
I ran a back test on SCHD starting with 100k and contributing 36k per year, for 12 years ending balance 1.3 million. That dividend calculator using 3.49% dividend, 11.5% dividend growth (which is SCHD's average for the past 11 years) , 3% share price growth and got less, 955k. So it's not over estimating compared to back testing using historical #'s, it's actually less. Can you share you #'s, I could have done something wrong.
EDIT: I also don't really like these what if videos, they are pretty bunk IMO. I much prefer real life examples of portfolios, these are just Fairy Tales
I’m assuming the videos means yield relative to your costs not current value. You’re right that as dividends increase, most likely the share price will also increase resulting in a static yield.
Even his own account doesn't line up with the Estimation spread sheet. His spread sheet shows year 18 at $511K doing $49K annual dividend. But his account with $541K is only doing $26K annual dividend income. I get that the dividend goes up with price growth and percentage growth. But Not accounting for down years and just plain business sustainability. Will this still be sustainable for these companies to pay out that much money to share holders? Or will that money get reinvested into the company, bonuses, expansion, rainy day cash funds...etc. These 20+ year outlooks don't seem logical to me, imho.
The dividend may be a 3% yield today if you buy it. If you buy today and hold, your yield on cost goes up above 10% because they will pay out more in dividends over time, but so will the price. So 10 years from now the price on the stock will also increase keeping the yield at 3% but you bought it 10 years ago. When it was cheaper so the yield, vs the yield when you purchased is totally different. You can see this happen with Home Depot. In the 90s Home Depot payed .05 a share now they pay over 3.00 a share. If you bought HomeDepot and didn't sell it you dividend growth is crazy and your yield on cost would be well over 10%
@@josephcox3091 that is true, and an illustration of my exact point.
The information he put in the dividend calculator is incorrect. You can look at the final portfolio balance and dividends produced in the last year of the model. The yield is way too high to be realistic. The yield should be the same year over yeah, within one percent or so in order to make the model represent somewhat realistic results.
I'm a Canadian, what is the percentage of the tax I'm facing when buying u.s dividend etfs?
How do you still have access to the TDAmeritrade income estimator? I miss it so bad since I was forced over to Schwab. Where can I find it?
How many channels do you have?
AI bot
Next video ... How much NAV depletion do you tolerate? No Dividend Traps! How do you select a new Stock or ETF to add. When do you delete a Stock or ETF. What is the minium Dividend GROWTH rate. How do you allocate across the 50 investments? Do you ever rebalance. How?
Does you 100000 in one fund or multi fund?
What are your contributions vs portfolio gains?
I don’t get the obsession with SCHD. Flat sideways for 4 years and paying less than SGOV. Even less than a tax free fund.
This is math not true in practice.
it doesn't go crazy after 100k at all
From a shrimps view?
Shoot even at 200k I’m not too impressed
AT 300K ITS AN AVALANCHE 😮
@@megatron8038 that would be great 😎