How Much My Dividend Portfolio Paid Me in March! ($170,000 Account)
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- เผยแพร่เมื่อ 28 มี.ค. 2024
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In this video, I reveal exactly how much dividend income I made in the month of March. Let me know your thoughts in the comments below!
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I am not a Financial advisor or licensed professional. Nothing I say or produce on TH-cam, 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.
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Access Tickerdata and my Spreadsheets: tickerdata.com/
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Join my free newsletter! dividendology.substack.com/
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I heard the first 100k is hard. How long did it take to reach 100k?
Very grateful for your Chanel!!!
When I clicked on the link Access Tickerdata and my Spreadsheets but not sure what I should be looking for.
the cost of living calculator at the end was like a shot of adrenaline when I saw it. The way it works and moves with inflation is so ingenious and cool.
That's my issue with the idea of people living off dividends. Specifically young people (say, under the age of 50 or so). You should instead focus on growth stocks. S&P 500 Index is around 10.5% growth. Several similar stocks you can get with that same growth. If you only use dividend stocks then you miss out on growth, meaning it's much harder to manage low market years. Instead, get a high growth stock/mutual fund/etf/etc at around 10% growth.
You could turn that $170k into $460k in just 10 years and that doesn't account for any dividends (albeit smaller ones). Even if you took out 4% each year you'd take out $7,500 the first year (far more than any yearly dividend payout) and growing that yearly withdrawl up to $12,700 by year 10 and you'd have a total investment of over $300k, not counting dividends.
In my personal opinion dividend paying stocks are better once you've got your nest egg and are looking for a way to reduce risk. Build up a million or two and then move it into a high dividend stock. Even then I still think pulling out 4% per year on a high growth stock is a better options.
Investing in growth stocks just to sell your principal is virtually equivalent to timing the market, since you have no idea when at the time of selling if the market is on an upswing or a downturn.
100%
Have said this many times too.
You need portfolio growth when your young and then you should diversify.
@@James-dt1kl suddenly after few tech companies has rocketed. We see comments like this, not surprised though
At 8:55 in the video you sold out of your high yielding stocks to buy lower yielding stock with high div growth rate. If your goal is div income then you should be locking in as high as you can on initial payout. $170k in MO would have paid you approx $17k in dividends vs. the $5k you are getting. Comparing CAGR for SCHD to MO and the math says you will need 5-10 years to reach the percentage payout where MO is paying now. In the mean time MO will also be increasing the dividend possibly during this same time period. CAGR is important but there are no guarantees what tomorrow will hold.
Yeah that part confused me too. He should have kept the existing high paying stocks and just directed future capital to the high growth div stocks,😊.
Not a good comparison. Mo is just 1 stock and way riskier then schd.
All this work just to get out gained by Bitcoin😂. What a clown🤡
Same observation 👍
Any timetable on the new DIY sheet yet?
BRILLIANT! so fun to watch your account grow! (Mine too!). Thank you for sharing and the enthusiasm
Glad you enjoy it! Let’s grow together!!
what brokerage do you use?
Love your videos. Quick question regarding taxes that you may have already covered. What is the plan for the annual tax bill? Eventually I'm guessing the tax on the dividends received throughout the year is going to be a very large number. At what point do you anticipate that happening and how do you plan to cover that? Thank you for the guidance.
Ah, you pay estimated taxes quarterly
Great Spreadsheet, you mentioned numerous times how important the dividend growth is but I don't see a way to track Dividend CAGR in the DIY investor toolkit. Any thoughts to adding the ability to track the portfolio dividend CAGR so you can tactically add to positions to increase the portfolio's total dividend CAGR?
Good idea! I'll look into this.
What stock/ETF is “O” in minute 18:29? Thx
It’s a REIT! You can check out my analysis of them on this video: Is Realty Income Stock a Buy Now!? | Realty Income (O) Stock Analysis + Earnings Report |
th-cam.com/video/Gl5cu1MiOgE/w-d-xo.html
Cost of living usually goes down if you only need one house. Since normal people at least in Finland pay it off at 50-70. That's 1000-2000 a month less expenses. Simultaniously many retire and the income drops the same amount. Well we have a bit different story here since health care and elderly homes are free.
For your live of off dividends, it seems to start at the start of 2023 and not at the third months of March. Is that how it should be? Such that you can look back in time?
Do you have a video that compares dividend investing versus growth investing and the 4% rule? I'd like to see what is better; which strategy delivers higher returns over time. Thank you,
I believe there's plenty of data available in Google to answer. Regardless, I believe the sweet spot is to buy Dividend Growth stocks.
Recheck your JNJ dividend payment for March. You said 27 cents but there is no decimal point. Looks like $27
I'm conflicted with auto-dividend reinvestment. Instead of auto-invest back into the stock with your dividend distros. Should you build up cash in your core account instead?
You can if you want... you can have dividends bo back to your account instead of dripping back to tbe stock. Then you can decide where to put tbe divs.
@@cliffdariff74 that's what I'm thinking. Get the cash back to the account then decide.
Build up cash in ur core and pay billz with it or save up and buy a diff stock or ur choosing for free 😉
thanks for the videos! You always mention that you reinvest the dividends obtained. But how do you distribute this investment among the assets in your portfolio?
Love the spreadsheet
thanks!
Been following you for a long time. Appreciate the analysis as always.
I appreciate that!
Anyone know how to reinvest dividends with Etrade?
Why both SCHD and JEPI?
How can I get that spreadsheet?
You can download it on Tickerdata.com !
You hit the table alot in your videos
Hi! Wondering how much tax you need pay for dividends?
depends on many variables. I'll make a video regarding this soon.
@@Dividendology Are you still planning on making the video?
Im curious why do you not change your monthly contributions inline with your inflation calculation?
Fantastic video and tracking. New sub!
Can you make a video explaining why you chose SCHD Vs VYM and other ETF's?
Curious, too. Choice for SCHD seems to be a bit bias, consider that it doesn't rebalance any better than other popular ones. Even other social media investment advisers say stick to the boring and common index funds like S&P 500, Total Market, or education to invest in self. Seems too much time is wasted updating your progress and chart watching.
@@weicc84SCHD is great paired with S&P
I like the dividend growth strategy, but I'm not sure that high yield dividend funds have more issues. To me it's easier to just plan on reinvesting a portion of the dividends I receive, rather than trying to calculate and then monitor the dividend growth rate of my holdings.
Great content! 👍💰💰💰💰💰💰
I think you should sell options, cash covered. Write options and sell option. You’ll be up 80% per year!
What kind of account do you use for your Dividend account? ROTH or Traditional IRA?
Great video. Thanks so much. Is your income before or after tax?
Great tips for tracking! Had a lot of aha moments. Thank you for this video!
If the index moved 31% and you're only up 28% incl dividends, then your portfolio is underperforming.
Correct me if I am wrong, but you do not DRIP your dividends, correct? Could you cover why you don't do that?
It allows an account owner to choose which stock(s) to concentrate on. In my case, I am trying to smooth out dividend payments overall so I do not have “boom or bust” monthly dividend income.
Is the tinkerdata is the spread sheet you got ?
The spreadsheets are available on Tickerdata.com!
I have a pretty basic portfolio, but it took me a while to put together: 30% SCHD, 30% broad US mkt, 15% broad international, 15% dividend growth ETFs, 10% BRK.B. Average dividend yield right at 3%. Up 7% ytd.
Nice portfolio but those excel sheets are awesome!!!
Thanks!
@@Dividendology just signed up for the yearly subscription on Ticker Data
Awesome! Hope you enjoy!!
In your "can i live off dividends" where it came out to be 15 years, it's not factoring in that ur gonna re invest the dividend, is that intended? Like do u invest 2500 in total (dividend yield + rest)or do u invest 2500+the dividends? Cos that would shave off a year or 2 I'd guess
yes, it's assuming reinvesting dividends
@@Dividendology Went back and noticed the shares + drip tab, i was just looking at the contribution one, thanks m8 :)
you got it!
Great layout and I like most all of your investments...I do about the same as this setup (some different stocks) but not quite as much cash available. I don't have nearly as much SCHD, but I kept MPW (whereas you sold yours).
Do you sell this spread sheet?
Yep! You can get it at Tickerdata.com!
Great video as always informative and motivating in equal measure. It might be interesting to have an additional chart that explodes out the individual holdings in SCHD, so that there is an aggregated visual of your portfolio based solely on “individual” stocks albeit including those in SCHD!
This was such a cool watch! 😃😃
I really love CAT! Very underestimated stock
Agreed!
My portfolio grows at a similar rate as yours and I have a similar strategy, so now it have become a challenge with myself to keep up with you. Thank you for your videos!!
Hey, been watching for a while now, what broker do you use? Or what do you recommend for beginners? Could you make a video about it?
Testing out interactive brokers right now. Will let you know what i think soon.
@@Dividendology ❤
@@DividendologyI use interactive brokers, how can you see the dividend information in the app? I want to see my dividend growth and make sure its being reinvested but they don’t make it easy to see.
I don’t think any brokers do a good job of breaking down dividend metrics. That’s one of the many reasons I like to track it on my spreadsheets.
@@Dividendology Yeah, I noticed that too. But when you buy stocks, what do you use if you don't mind me asking. Because I'm searching and searching, and there are so many different ones, and I can't figure out what would be the best. M1? XTB?
Best Excel I have seen so far, need too build one too 👍
Glad you like it!
Heavy allocation in MSTY will get your portfolio hefty returns
I’d sell out of O and MMM and put that into AVGO and CAT. Just an advice; to each their own
You should do a comparison if total return if you would have simply invested in an sp 500 index fund.
by the looks of it, he is missing out on around 4% of gains if he just threw it in the sp 500
@@oscarli1665 is that after tax losses or before?
That's my issue with the idea of people living off dividends. Specifically young people (say, under the age of 50 or so). You should instead focus on growth stocks. S&P 500 Index is around 10.5% growth. Several similar stocks you can get with that same growth. If you only use dividend stocks then you miss out on growth, meaning it's much harder to manage low market years. Instead, get a high growth stock/mutual fund/etf/etc at around 10% growth.
You could turn that $170k into $460k in just 10 years and that doesn't account for any dividends (albeit smaller ones). Even if you took out 4% each year you'd take out $7,500 the first year (far more than any yearly dividend payout) and growing that yearly withdrawl up to $12,700 by year 10 and you'd have a total investment of over $300k, not counting dividends.
In my personal opinion dividend paying stocks are better once you've got your nest egg and are looking for a way to reduce risk. Build up a million or two and then move it into a high dividend stock. Even then I still think pulling out 4% per year on a high growth stock is a better options.
Are these in some kind of roth ira or something? How are you avoiding the tax on gains?
A dividend is actually not a gain. It should be taxed as regular income
@austinbostrom5304 so are you saying the taxable amount is the same either way? That was not my understanding.
Dear @Divendology, I am currently using the Quickfs excel plugin but want to switch to ticker data.
I will be sharing my ISA journey in the UK with my audience and might use your templates as a starting point. Are there some copyright restrictions ?
Send me an email at Dividendology@gmail.com and we’ll talk!
@@Dividendology Thank you so much. I will send you an email today.
Do you pay taxes on dividend income in USA?
depends on many factors. I'll make a video on it soon.
@@Dividendology Thanks. Looking at this as a foreigner, with minimum 15% tax on dividend income. The best way for me would be investing in an ETF, or accumulating dividend fund.
How much do you contribute a month? This is impressive! Keep it up!
@dividendology hi thanks for your video, could you please share this excel sheet using for recording of data as I need to use in my portfolio s well, thanks
You can download it on TickerData.com!
Add AFL and HRL if you want dividend growth.
Question! How often if ever do you make contributions? I’m looking to do the same thing you do but I’m curious if you make and contribution or if this is all based off stock appreciation and dividend income
PLs dark theme i get blinded at night watching u
Daaamn, every time I watch these videos I feel more behind lol
I sold IBM a month ago with a nice 80% profit.
very nice!
Once your living out of the dividends there will be no reinvesting the dividends right ? what happens after that? Would inflation reach you again?
Nope! Because the dividend growth rate of my investments will be above the rate of inflation!
high yield might allow you to transfer incone from one stock to building larger positions, faster into healthier and higher dividend growth opportunities.
Like if I yield 10% on 10k, i will have an average of $100 extra to buy div-growth stocks with in the immediate, and make more frequent or larger purchases. Is this the wrong way to think about it? What am I missing? What if I can get a steady 10% for 3 years? That could grow to pay out 3k+ worth of extra cash flow to buy aolid names like starbucks or microsoft.
Is it better just to "build" the portfolio from the get-go?
For reference I have about 25k to play with, and I have the potential to add $700-$800 month to my portfolio.
All that research and math, doesn't seem like it can beat a 4-5% HYSA account. I mean if you all in on low tsla or stock and get 10% returns, you'll probably net more than 2-3 years of dividend trading. Options trading you're probably only 2-4 trades to become a millionaire.
Dividend growth will pay way more than a HYSA long term. This video explains why: th-cam.com/video/GQHe7LejhEg/w-d-xo.html
This video has absolutely nothing to do with the space shuttle.
Dividend is nice but also bad in my opinion since it gets taxed right away when paid out as regular income. I sometimes avoid the stocks that pay high dividends because of this reason
great work as always man.
Much appreciated!
Are you subject to 30% withholding tax from the dividends?
Nope
@@Dividendology why not?
Lots of could’s , world could end in 15 yrs . Stock market could go away. Like the outlook but nothings certain .
I created a dividend portfolio and have been consistently beating the returns using a hybrid strategy of dividends with growth 👍
So if you just invested in the SP500, wouldn't you have made more money without all the hard work of stock selection and tracking this data, and with better diversification (505 vs only 30 companies)?
This is a nice information video and provides some good points and strategies.
However
1. SCHD has quarterly dividend so saying you got 600 bucks in month of March is misleading. I would split it in monthly, it would be around 200. Otherwise your next month will be zero. Of course you picked March because April would have extremely low dividend month.
2. SCHD has about 10+ stocks in the portfolio - so technically you have much more than 30. Saying you want to go to around 25 is also misleading.
3. I would not have option of reinvesting dividend back into stock. Better to keep it as cash and make your own decision on what to add to portfolio. Switching reinvestment option takes a while, been there. Cash is king.
All these things you mentioned are accounted for.
1. I show how much I make in dividends every month, and my charts show my dividend history. My next month will not be '0'.
2. SCHD currently has 104 holdings. But to say I want to get down to 25 is not misleading at all.
3. That is all preference.
You should do a video comparing if you just did vanguard sp500. Always fun to compare active management or tweaking to brain dead approach. Curious if anything you’ve done has been worth it outside of TH-cam revenue
EFT is not an industry. So the pie chart is hiding over 50% of industry information.
you should add a column for income - taxes and inflation
How old are you?
I’d guess 23-25
One of My fav monthly vids! So motivating to see and I can’t wait to see you retire! I think you’ll hit it well within 10 years probably closer to 7-8!
I hope to be work optional within 25 years! (I’m 23 years old) :)
Thanks! And good luck to you!
@@Dividendology thank you!!
With ZIVB, you would do much better
Is the cash in your portfolio gaining interest? If not is there a reason you are keeping it in your portfolio and not an 5% interest savings account?
SCHD grew over 11% in 2023 and pays a dividend yield of 3.4%
I think you are short changing your projection - your monthly contribution is staying flat at 2,500 per month for ever, it's not accounting for inflation and pay rises.
If you are still paying 2500 in 30 years and still earning the same, you've done a lot wrong.
In this case measuring the floor as opposed to the ceiling is more beneficial.
If you switch to growth ETFs like VGT, QQQ, SOXX or SCHG (or a combination there of), and switch to dividend growth ETFs after some years, you may reach your goals sooner. Have you thought about it? Just curious.
That is the question, do you plant your garden more vastly and watch it grow. Or keep one the grows faster, then sell and accumulate dividend income producing seeds? I hope I didn't loose you, that is how my mind works. I am going more towards growth, but still have a significant portion in dividend income with growing cagers and value.
@@Sam-mu5xh I don't understand the garden analogy and I am not sure it is applicable here. But if dividend stocks and dividend growth stocks work for you and keep you happy and safe, then that's fine. I can tell you based on my experience that, in younger days, I think one should invest in growth oriented stocks, not bothering about dividend. Dividend stocks and ETFs are great for retirement. They don't fall in value in bad times (look at SCHD's performance of -3.23% vs VGT's performance of -29.7% in 2022), and at the same time, provide a steady stream of income. Growth stocks and ETFs, however, beat dividend stocks and ETFs over long periods of time. Look at SCHD's 10 year annualized return (11.34% per Yahoo Finance) vs VGT's performance (20.18%).
Growth companies are often far less stable and unreliable and at least for me dividend paying companies help pay for themselves over time. If I had millions of dollars to invest I'd likely do more growth than dividends. But I want my portfolio to pay for itself eventually buying more shares than I can, and hopefully eventually to be able to live off of. Personally I like to mix it up to get the best of both worlds. Right now with the low dividend yield of one of my stocks for instance, I'd have to invest 30K dollars to get it to pay for itself, whereas one of my dividend paying companies only 10k. That compounds pretty quickly.
You dont do covered calls ?
Dividend stocks dont offer Capital Appreciation.....this guy Scamming. V is point 7 per cent div....its not a div stock.
Just buy crypto
Hi, I would love to hear avout your journey, when did you start investing ? What job did you do? Did you study finance in school ? And more .. I’m very interested because you did help me in understanding dividend investing and much more
Maybe I'll make a video on that at some point! But in short, I started when I was 15, studied finance in school and have worked in finance my entire professional life.
day 2 of asking schd to be broken to sectors
Very valid point, if you have SCHD as 50% of portfolio what is the point of tracking other sectors. If you have let's say 10% finance in other 50% and SCHD has for example 15% finance you have 25% finance.
Go to Schwab's website and look...
I have lots of spreadsheet updates planned with that being one off them.
Financials 17%, Health Care 16%, Consumer Defensive 14%, industrials 13%, Energy 13%, Consumer Cyclical 11%, Tech 9%, Communication 5%, Materials 2%, Utilities
Really well stated. I have the same sentiments regarding SCHD as well@@thefrozengoat
Planning to be middle class in 30 years. This is your plan, otherwise, sell options.
How much? It's a very long video and not everyone has time to watch it all. Perhaps mark and tag it?
TH-cam saves where you left off, just come back and watch the rest later.
If you can't watch a 24 min breakdown analysis, maybe you aren't meant to dividend invest for the next 20-30 years.
$843.87
@@r1tz97 hey dude, make him watch the video
CURI is trading at 1.03 with a 10% annual dividend!
have you ever had an idea to map your video publication on your portfolio history?
@Dividendology
not sure what you mean by that. Can you explain?