This dude is the best on youtube imo when it comes to investment knowledge. Then i notice he only has 35k subs and wanted to say he deserves so much more than that. keep killin it man, your making such NEEDED content!!
Outstanding video! A great guide for all beginners and even advance dividend investors. Your dividend videos inspire me to document my dividend imvesting here on TH-cam. SCHD is my favorite dividend ETF!! I'm building this passive passive income to support my hubby and I and eventually our special needs son!! - Mommy Trader
That makes me so happy! And that’s amazing that you will be documenting your journey! I’ll have to come take a look! Thanks for the comment and for watching
G, you explained this so elementary! In others people the fastest way to invest is by stop buying stuff you can't afford or need! Invest invest!! There will not be a better time in history than now to add zeros to your net worth! Professor G, once again excellent information! I'm buying 5k per week of SCHD as instructed until I use up the 50k!
Professor G- SCHD and VYM are both growth dividend funds. Is it best to divide the investment between two or just pick one? Also, I'm waiting for the price to go down before starting to invest. Is it wise or doesn't matter? What are your thoughts?
It’s very tough to time the market so I prefer to just dollar cost average every week or month no matter what the price is. And you could do both funds or just one!
Thanks Professor! Always learning good stuff here. BTW, what about split share funds? Are they safe? What are the caveats? Maybe it could be a good topic for a video. I have found so many different points of view from passive income investors... Some say it's gold, others, it's garbage and a rip off... What's your opinion on this?
Disappointed that you neglected to mention dividend growth rate as a key metric. I don't think you explained the magic of dividend compounding and how the stock value goes from a straight line increase to logarithmic increase over time and how actually a static share price will in the long run generate a larger return, due to the compounding effect, again, with time. These are amazing and under appreciated concepts. Completely agree that SCHD is an excellent starting point for beginners and experts alike.
@@NolanGouveia Now that I think about you can link it to this video. Stock Analysis is were you can typically gauge how risking a stock can be using traditional methods and be able to evaluate. Then add the dividend computation and you see like using an individual strategy there is an 80% chance the stock's divden can fall, as the companies is likely headed into more challenging times. (This would all be an advanced series haha)
Im 50yrs old. Just started roth. 65%schd,10%jepi,10%divo,10%O, and 5 high yield reits at 1% each? Thats in the 2022 tax yr and now ill start same plan for 2023 but imb itching to sink 6 grand into 3m. I see a value opp even with recent reports and litigations. Any advice professor?
Keep researching and when it feels right, you got this! I like your portfolio so far and I try to keep most of my investing in ETFs even though individual companies are more sexy 😂🤣
Cool thanks I was curious about taxes. So if I have 25k in schd in my brokerage account at end of year vanguard will send me something to show what I have to report for my tax return
@@NolanGouveia I agree ☝️ with you but for a greater return to have a 5 to 10% in arkk for a good exposure is not a bad investment, specially if u fun or tesla company
@@gatoborracho4572 lol that’s my opinion on my portfolio but u probably have a better opinion on your portfolio 💼 and that’s amazing I don’t confront no body jus sharing my opinion on my investments
Are you familiar with HSA accounts? I looked through your videos to see if you have any helpful info in hsa but didn’t see any videos geared towards it. I have a question with hsa accounts. I know it’s triple tax free and at retirement age, I can use that money for anything but stil pay income tax. My question is, with the hsa dividend payments, would those payments have to be used toward medical to be tax free or is the dividends 100% tax free
The dividend would be paid in to the HSA account or straight back in to the stock so either way it’s still in the hsa and those funds have to be used for qualified medical expenses
question. Is there a tax loss harvesting that involves the dividends?Like, if I sell a stock at a LOSS (-$150) and I gained dividend of ($300) at that year. Will I just be taxed for just only $150 dividends ($300-$150) instead of $300?
You would be taxed at the ordinary dividend rates if the dividend was paid in that tax year. If they dividend was reinvested and held over 1 year, it would be a qualified dividend and taxed at the capital gains tax rate. If you sold your stock at a loss from basis (what you paid for it not including dividends), it would be deductible either as an ordinary loss against ordinary income if held less than one year or a capital loss against capital gains if the stock was held over 1 year. Excess losses exceeding gains in each category can be carried forward and applied against future tax years.
@@NolanGouveia also I went with Charles Schwab ❤️ again... I owe it alllll to you!!!! As you know I was never taught or talked to about any of this!!! My gratitude to you Professor G
Everyone is different so I can’t say for sure. For me personally I’d stay under 10% but my investing portfolio strategy may be different! I know people with 50% JEPI and they are much more wealthy than me!
Okay, but i would need to sell the profits ( = Tax) to get any other investment that the money would work for me, right? I am just starting my investments so i still have some doubt about it….
How many shares of SCHD. Would you need to get $1,000 a month in dividends? How you can answer my question profesor G l’m going to focus on SCHD and would like to know how many I need.
Did Warren Buffet say Berkshire stock will never pay dividends because he rather reinvest them for share holder value? Because I am considering adding Berkshire to reduce my taxes on dividends.
MLP’s are a royal pain at tax time. Although you can delay the taxation on their returns because a lot of it goes into ROC (return of capital), it does affect your cost basis in the MLP. I had a good size chunk in the Kinder Morgan MLP when Richard Kinder decided he wanted to get out of having KMI being an MLP. This forced conversion cost me a bundle at tax time that year. Another thing, be careful with holding MLP’s in a tax deferred account like an IRA as depending on where the MLP earnings come from, you could have an IRA tax liability, even though you didn’t withdraw any money from your IRA.
@@NolanGouveia For me it’s REITs as in my country (Singapore), dividends are tax free and the average dividends of the REITs are 5-8%. Also they have very high occupancy rates of around 90% or more. Furthermore, most of them have 75% of their debts in fixed rates for the next few years so the current rising interest rates are not so disruptive for them. I would like to invest in US dividends stocks but it has a 30% withholding tax so I’m just gonna invest in ETFs like VOO instead. I’m currently a final year University student so I’m only putting $100 a month into VOO and my REITs but I will definitely increase the amount when I graduate this year with no debt 💪🏻
Me too! Awesome sauce! 💯 That's exactly my portfolio... I'm a newbie, however I do reinvest allllll of it and I'm maxing out my Roth IRA. But gooooo Zack152
I’d have to dive much deeper but those numbers look good right now, but my investing style is long term so I’d want to check more history and forecast their competitive advantage longbterm
Invest in 10 bdcs no more than 10% each that never cut its dividend that gives a 8-12% yield become a million in 20 years and gain 100k in 8 years you're welcome.
You went to Portugal? Porto? I saw your ornament. I just got back after staying in Porto 3 weeks. Last year I was there a month and 1 week in Lisbon. I saw your SCHD video. Thanks! Ive had SCHD and am looking at VYM and others to compliment
I know this is an older video, but I need your opinion. I have AMD stock, its up 1,000 percent, worth about 92K total. Should I sell it and put that money into dividend stocks more so? Or should I just keep holding it since they are doing technically really well? Its just tough because I have held them for like 10 years now and it would be nice being in something that pays dividends and grows the stock amount. Its just tough because I have that "Fear of Missing Out" with them, but at the same time its stressful watching and waiting more.
You said something in this video that isn’t really true. You said Dividend investing in a Roth IRA is tax free as long as you don’t touch it until after you are 59 1/2. That isn’t true. If you have had that Roth open for 5+ years you can take out up to you max contribution. I am planning to use this during early retirement at 55 years old. Opened the Roth over 5 years ago put $6000/ yr. max in first year or two, then when 50 years old max went up to $7000/ yr. This year it is $7500/ yr and can have one for my spouse as well. So $15,000 per year into our Roths. So then after 5 years of being open if my balance is say $100,000 and I am making 6% in dividend yield I can let those payment go in as cash and take $6000 per year out in early retirement! Tax free no penalty for the next 5 years then I will be over 59 1/2 then I could take it all out… tax free or just keep taking out the $6000 forever! 😁🤑
@@NolanGouveia So I did 36,000 × 3.383 & it comes to 121,788. SCHD pays a dividend of 0.70 cents per share every 30 days. It's currently around $76 a share. If you divide 121,788 by share price gets you 1,602 shares. 1602 × 0.70 = 1,121........ Not getting the 3000 I'd like
You seem nice pay out ratio matters entry levels matter perhaps you Mr professor should focus on college chicks which is cool and maybe dig deeper cmon Mr professor 😂 squeeze a college heiney for us 😂
The difference will be minimal but unless it’s an automatic allocation, the daily buy may be stressful long term so that’s why I choose monthly or usually bi-monthly
This dude is the best on youtube imo when it comes to investment knowledge. Then i notice he only has 35k subs and wanted to say he deserves so much more than that. keep killin it man, your making such NEEDED content!!
Wow this comment blew me away! Thankyou so much this means so much!
@@NolanGouveia You got it!!
Wish he started this channel when he was thirteen
@@ythater7377 I wish I had this knowledge at 13 too! 🤣
I have to agree
Outstanding video! A great guide for all beginners and even advance dividend investors. Your dividend videos inspire me to document my dividend imvesting here on TH-cam. SCHD is my favorite dividend ETF!! I'm building this passive passive income to support my hubby and I and eventually our special needs son!! - Mommy Trader
That makes me so happy! And that’s amazing that you will be documenting your journey! I’ll have to come take a look! Thanks for the comment and for watching
I'm japanese, sadly I can't invest in SCHD and QQQM here😅
So VYM is my friend😊
Thanks!
Thank YOU!
Enjoy your videos! Easy to follow and easy on the eyes ❤
I appreciate the kind feedback 😀
Yes knowledgeable and candy for my eyes😜
Great education. Thank you 🙏
You’re welcome! Thanks for watching!
Clear and concise. Love it!
Happy to help!
G, you explained this so elementary! In others people the fastest way to invest is by stop buying stuff you can't afford or need! Invest invest!! There will not be a better time in history than now to add zeros to your net worth! Professor G, once again excellent information! I'm buying 5k per week of SCHD as instructed until I use up the 50k!
💰💰💰💰 yessir!!! Thanks for watching and commenting!
thanks professor!
You’re welcome!
Come thruuuu with the whiteboard formulas & graphics 👏🏽 thanks Prof G!
🙌🙌 you can take the Professor out of the classroom buuuuut… 😂
Keep doing what you’re doing.More please
Thankyou!
Whats the website used to see the dividend?
What is your favorite way to invest in dividends? 💰
ETF : JEPI and SCHD
i used to be all about growth stocks, but man, might have to add SCHD too
Same! Ya it’s a solid etf
Professor G- SCHD and VYM are both growth dividend funds. Is it best to divide the investment between two or just pick one? Also, I'm waiting for the price to go down before starting to invest. Is it wise or doesn't matter? What are your thoughts?
It’s very tough to time the market so I prefer to just dollar cost average every week or month no matter what the price is. And you could do both funds or just one!
Yes just buy regardless
Thanks Professor! Always learning good stuff here. BTW, what about split share funds? Are they safe? What are the caveats? Maybe it could be a good topic for a video. I have found so many different points of view from passive income investors... Some say it's gold, others, it's garbage and a rip off... What's your opinion on this?
Thank you! I need to research that further as I don’t know enough to have an opinion yet
great great great THANKS
You’re welcome!!
Should I do schd in my Roth IRA?
I do!
@@NolanGouveia FXAIX + schd? Good combat? Or FXAIX + qqqm?
@@appleztooranges I like all 3
I just love the 12 cents I make off dividends every three months. It reminds me of my place in the world and keeps me humble.
🤣🤣humble beginnings!
Disappointed that you neglected to mention dividend growth rate as a key metric. I don't think you explained the magic of dividend compounding and how the stock value goes from a straight line increase to logarithmic increase over time and how actually a static share price will in the long run generate a larger return, due to the compounding effect, again, with time. These are amazing and under appreciated concepts. Completely agree that SCHD is an excellent starting point for beginners and experts alike.
Great points! Tough to cover it all in one video 😅
I will invest in SCHD & VPM to get started. Thanks. I will teach my nieces and nephews now while they have the ability to gain in Roth!
Oh by the way. Love your super informative videos. Thanks. You fast graphs chuck carnival know stuff!..lol
I appreciate it!
Thank you.
🙌💰
Have you made a video on how to break down earning reports or financial statements? I feel like you could make a fun series from it haha
That’s a good idea brother!
@@NolanGouveia Now that I think about you can link it to this video. Stock Analysis is were you can typically gauge how risking a stock can be using traditional methods and be able to evaluate. Then add the dividend computation and you see like using an individual strategy there is an 80% chance the stock's divden can fall, as the companies is likely headed into more challenging times. (This would all be an advanced series haha)
@@seanb7443 definitely haha good thoughts!
Hi Professor G! I'm having a hard time deciding which growth ETF is better, QQQM or VGT? I already have VOO and SCHD in my portafolio
Nice! Can’t go wrong with either of those!
@@NolanGouveia Thanks!!
Why not just keep investing in what you have instead of getting in the weeds with it
Im 50yrs old. Just started roth. 65%schd,10%jepi,10%divo,10%O, and 5 high yield reits at 1% each? Thats in the 2022 tax yr and now ill start same plan for 2023 but imb itching to sink 6 grand into 3m. I see a value opp even with recent reports and litigations. Any advice professor?
Keep researching and when it feels right, you got this! I like your portfolio so far and I try to keep most of my investing in ETFs even though individual companies are more sexy 😂🤣
Cool thanks I was curious about taxes. So if I have 25k in schd in my brokerage account at end of year vanguard will send me something to show what I have to report for my tax return
Yes you should receive it in February usually
My favorite is VTI SCHD and ARKK under 40$ it’s a good one for tesla exposure in a long term
VTI and VOO have a lot of Tesla too. I don’t like ARKK because their fees are crazy high
@@NolanGouveia I agree ☝️ with you but for a greater return to have a 5 to 10% in arkk for a good exposure is not a bad investment, specially if u fun or tesla company
Dr.. G it seems there's a lot of experts here...
@@gatoborracho4572 lol that’s my opinion on my portfolio but u probably have a better opinion on your portfolio 💼 and that’s amazing I don’t confront no body jus sharing my opinion on my investments
@LIFEisON why you get upset??? Like you said it's just opinions here...thanks for sharing..
Are you familiar with HSA accounts? I looked through your videos to see if you have any helpful info in hsa but didn’t see any videos geared towards it. I have a question with hsa accounts. I know it’s triple tax free and at retirement age, I can use that money for anything but stil pay income tax. My question is, with the hsa dividend payments, would those payments have to be used toward medical to be tax free or is the dividends 100% tax free
The dividend would be paid in to the HSA account or straight back in to the stock so either way it’s still in the hsa and those funds have to be used for qualified medical expenses
question. Is there a tax loss harvesting that involves the dividends?Like, if I sell a stock at a LOSS (-$150) and I gained dividend of ($300) at that year. Will I just be taxed for just only $150 dividends ($300-$150) instead of $300?
That’s a good question. I am 99% sure that your tax liability would then be $150 total but I need to check to make sure
@@NolanGouveia thanks👍
You would be taxed at the ordinary dividend rates if the dividend was paid in that tax year. If they dividend was reinvested and held over 1 year, it would be a qualified dividend and taxed at the capital gains tax rate. If you sold your stock at a loss from basis (what you paid for it not including dividends), it would be deductible either as an ordinary loss against ordinary income if held less than one year or a capital loss against capital gains if the stock was held over 1 year. Excess losses exceeding gains in each category can be carried forward and applied against future tax years.
@@Stellarchick very helpful thank you!
@@Stellarchick thank you!
I'm the absolute beginner! Thank you sooooo much! Indeed Simplified ❤️👍🏼
I appreciate those kind words!! What is your favorite dividend investment?
@@NolanGouveia I roll with you SCHD! yasssss ❤️👍🏼
@@NolanGouveia also I went with Charles Schwab ❤️ again... I owe it alllll to you!!!! As you know I was never taught or talked to about any of this!!! My gratitude to you Professor G
@@lashawannajoyner5993 🏆🏆🏆💰love it
@@lashawannajoyner5993 thank you for the kind words, but you’re the one doing the work so give yourself that credit! :-)
Would you say 18% in Jepi is too much? Rest of the investments are schd voo qqqm
Everyone is different so I can’t say for sure. For me personally I’d stay under 10% but my investing portfolio strategy may be different! I know people with 50% JEPI and they are much more wealthy than me!
@@NolanGouveia understood. .y strategy is that to make hay whilst its a downward market and will recalibrate in the next bull
Love your channel. But i am having a hard time choosing the RIGHT one or two. For maximum return to retire in 21 years.
Keep researching! Can’t go wrong with starting small with a solid etf like schd or VYM!
I very much appreciate your information.
If SCHD is diversified in 100 companies, why should I need to invest in other EFT as VOO ?
Just for more diversification or because it may be able to grow faster in appreciation
@@NolanGouveia very good answer I love it
Okay, but i would need to sell the profits ( = Tax) to get any other investment that the money would work for me, right? I am just starting my investments so i still have some doubt about it….
How many shares of SCHD. Would you need to get $1,000 a month in dividends? How you can answer my question profesor G l’m going to focus on SCHD and would like to know how many I need.
Check out the video! I go over this specifically
@@NolanGouveia which video is that? I like to know. Thanks!
About 4688 shares
@@whjerts $2.56 per share every 3 months x 4688= $12,001.28 every 3 months. I said $1,000 per month
@@caspermagana13 $2.56 is for the whole year, not 3 months. Dividend is 64 cents every quarter, not $2.56
Question. I am 73 retired and told i cant start a roth account wondering if that is true.
Correct that is true UNLESS you have a job or business where you are making an income and paying taxes
What about QYLD? It has a much higher dividend yield than SCHD or VYM.
Qyld is a covered call etf so it is fundamentally different than these dividend ETFs
Hey Professor I watched vid connected to this 1 where u spoke about masterworks.I need some grade A S&P stocks to invest in.
Keep up the research! I have a couple videos on stocks I like, but most of my investing is ETFs
Did Warren Buffet say Berkshire stock will never pay dividends because he rather reinvest them for share holder value? Because I am considering adding Berkshire to reduce my taxes on dividends.
Yup! One of the reasons I hold so much of it!
2:00 Simultaneously watching this and watching all the stocks dip after Microsoft’s earnings report. Everything’s going on sale lol
Good time to buy!!
I want to invest in MLPs but I hear it’s so complicated and I don’t know if it would be worth it
Ya I just stay away since I don’t know enough
MLP’s are a royal pain at tax time. Although you can delay the taxation on their returns because a lot of it goes into ROC (return of capital), it does affect your cost basis in the MLP.
I had a good size chunk in the Kinder Morgan MLP when Richard Kinder decided he wanted to get out of having KMI being an MLP. This forced conversion cost me a bundle at tax time that year.
Another thing, be careful with holding MLP’s in a tax deferred account like an IRA as depending on where the MLP earnings come from, you could have an IRA tax liability, even though you didn’t withdraw any money from your IRA.
Thanks for the video Prof, been doing my own research but always love to have someone verify it for me. Especially from a reliable source like you :)
I appreciate those kind words!! What is your favorite dividend investment?
@@NolanGouveia For me it’s REITs as in my country (Singapore), dividends are tax free and the average dividends of the REITs are 5-8%. Also they have very high occupancy rates of around 90% or more.
Furthermore, most of them have 75% of their debts in fixed rates for the next few years so the current rising interest rates are not so disruptive for them.
I would like to invest in US dividends stocks but it has a 30% withholding tax so I’m just gonna invest in ETFs like VOO instead.
I’m currently a final year University student so I’m only putting $100 a month into VOO and my REITs but I will definitely increase the amount when I graduate this year with no debt 💪🏻
@@XwytreX so smart! You are on such a solid path, great work!
I’m 28 and have FXAIX in Roth IRA and SCHD in brokerage for FIRE.
Me too! Awesome sauce! 💯 That's exactly my portfolio... I'm a newbie, however I do reinvest allllll of it and I'm maxing out my Roth IRA. But gooooo Zack152
Also I wanna add.. my brokerage account is SCHG... My SCHD is within my Roth IRA
Wooooo! Love to hear this!
🙌📈💰
@@NolanGouveia yeaaaaa you the bomb professor G ❤️
Is GLP a good stock? Dividend yield 7.11 and looks like making profit consistently.
I’d have to dive much deeper but those numbers look good right now, but my investing style is long term so I’d want to check more history and forecast their competitive advantage longbterm
Invest in 10 bdcs no more than 10% each that never cut its dividend that gives a 8-12% yield become a million in 20 years and gain 100k in 8 years you're welcome.
You went to Portugal? Porto? I saw your ornament. I just got back after staying in Porto 3 weeks. Last year I was there a month and 1 week in Lisbon. I saw your SCHD video. Thanks! Ive had SCHD and am looking at VYM and others to compliment
That’s awesome! Yes I was in Lisbon and Sintra! So amazing 🇵🇹
how is dividend investing into dividends with lower than 3% better than just having the money in a HYSA?
Long term mindset. HYSA are great this year but 2 years ago they were paying .75%
I know this is an older video, but I need your opinion. I have AMD stock, its up 1,000 percent, worth about 92K total. Should I sell it and put that money into dividend stocks more so? Or should I just keep holding it since they are doing technically really well? Its just tough because I have held them for like 10 years now and it would be nice being in something that pays dividends and grows the stock amount. Its just tough because I have that "Fear of Missing Out" with them, but at the same time its stressful watching and waiting more.
IMO depends on your strategy
What about jepi; it’s diverse and beat spx last year
I like what I’ve seen from JEPI so far, however it’s so new so I’m tempering expectations
@@NolanGouveia it’s not qualified dividends either but dang 11%
Go with RYLG, XYLG, QYLG, DJIA? 50% in cover calls and 50% in the blue chip stocks?
I’m not big on covered calls especially for half of a portfolio, but it’s your decision!
You said something in this video that isn’t really true. You said Dividend investing in a Roth IRA is tax free as long as you don’t touch it until after you are 59 1/2. That isn’t true. If you have had that Roth open for 5+ years you can take out up to you max contribution. I am planning to use this during early retirement at 55 years old. Opened the Roth over 5 years ago put $6000/ yr. max in first year or two, then when 50 years old max went up to $7000/ yr. This year it is $7500/ yr and can have one for my spouse as well. So $15,000 per year into our Roths. So then after 5 years of being open if my balance is say $100,000 and I am making 6% in dividend yield I can let those payment go in as cash and take $6000 per year out in early retirement! Tax free no penalty for the next 5 years then I will be over 59 1/2 then I could take it all out… tax free or just keep taking out the $6000 forever! 😁🤑
Yep great info! That would be more for a “complete Roth IRA” breakdown video but good stuff!
Top notch content professor
I appreciate it! Thanks for watching
At and t good to invest in u rek?
It’s beaten down bad and lots of ppl are afraid but I still like it
SCHD has a dividend yield of 3.76. US Inflation Rate is at 4.93%. Do the math.
It won't always be that way
Could we connect
Professorg.invest@gmail.com or join the patreon!
I'm doing the math & it's still not adding up right for me, I must be misunderstanding
How can I help?
I'm trying to get to 3000 a month with schd
@@millionairemccoy218 from dividends? So you’d start with $36,000 rather than the $12,000 I was using in the example
@@NolanGouveia So I did 36,000 × 3.383 & it comes to 121,788. SCHD pays a dividend of 0.70 cents per share every 30 days. It's currently around $76 a share. If you divide 121,788 by share price gets you 1,602 shares. 1602 × 0.70 = 1,121........ Not getting the 3000 I'd like
@@millionairemccoy218 so you may be getting the error because it’ll be $36,000 / .0383
Do you invest in dividend stocks? Which one ?
Yes check out my videos on dividends!
I chuckle every time I hear Prof G stating "I did the work for you". Did he, or did Prof G have one of his student minions do the research.🧑🎓😅
Haha I wish that was the case!
Where am I gonna get 400000.? LOL.
😂🤣💵
Dr. G .. I'm 50yrs , I just started Roth, Ira. I have schd jepi and fskax..I'm planning to max up on these 3 .. Do you think it's a good strategy 🤔 ?
All 3 of those are great! I like JEPI the least of the three but I do think it can be good long term if it can sustain that dividend
@@NolanGouveia Thanks..any other suggestion besides jepi?.
You seem nice pay out ratio matters entry levels matter perhaps you Mr professor should focus on college chicks which is cool and maybe dig deeper cmon Mr professor 😂 squeeze a college heiney for us 😂
Yikes
Is there a difference between DCA five dollars a day five days a week or just a straight $100 a month. I have schd. Vti. Qqqqm
The difference will be minimal but unless it’s an automatic allocation, the daily buy may be stressful long term so that’s why I choose monthly or usually bi-monthly
@@NolanGouveia it is automatically set up on the Robinhood app at five dollars a day every day
So since it’s set up every day at five dollars a day Monday through Friday, there’s really no difference I can say