Still a big fan of Altria (MO) myself. If the beginner also has limited funds, B2Gold (BTG) has been a nice one for me. Granted BTG divided dropped slightly but its still the one stock I can afford no matter what. It's my discipline builder...probably always hang on to it for that reason alone.
As a fairly new dividend investor… this is exactly what I was looking for. It’s been about a year since I started and wanted to make my portfolio more well balanced. Thank you!
I did a whole redo on my portfolio and sold everything and made it into a dividend portfolio. Currently have JNJ, LOW, MSFT, O, PEP, PG, SBUX and SCHD to start. And going to add more as I go.
All solid choices. I own all but MC, WM and KR. The choices we share make up 19.53% of my entire portfolio. Realty Income is my top holding, with ABBV, KO, PG, AVGO, PFE, PEP, JNJ, LMT and ENB making up the rest of the top ten. Great Video.
Wow Ryne! I have a similar top 10 I keep to remind myself to keep investing in them even if they aren’t always the “cheapest” buys. We are a close match, just switch MSFT for AAPL, MCD for MA and UNP for CVX. 7 of 10! And the 3 you have that didn’t make my top 10 would be somewhere in the 11-20 if I expanded it! Great list and video!
Colby that’s awesome man! It was really hard to narrow the list down to just 10 stocks because there are so many good ones out there. Cool that we have a lot of similarities here though 🙌
Good job breaking it down for new dividend investors. Only one stock out of ten I wouldn't buy now is JNJ because of the lawsuit. Keep the videos coming.
Great info!! Every stock mentioned is quality. Can’t go wrong with these. Beginner or veteran!! SCHD would be a great foundation etf to use these 10 stocks around. Rynes videos are very helpful!!!
That’s a great idea! I kind of did that in the video linked here. SCHD + VOO so it wasn’t straight SCHD, but still. th-cam.com/video/SvGcFOUZfEI/w-d-xo.html
I thank you so much for this. I was blindly throwing darts with most of my portfolio in psec. I'm pretty new and most of these stocks you suggested are my favorite companies. I'm actually thinking of mirroring this exact portfolio. Kudos Ryne ty.
There are thousands of stocks, don’t throw darts. Put them all on a spreadsheet and use formulas to filter through the weeds to the solid stocks. In general 99% of your list will end up being household names, JNH BA BAC AMZN INTC and so on, if everyone has heard of the company it’s probably a safer bet. And yes I know some I listed don’t pay a dividend, some growth stocks should be in your portfolio too. IMO…. some metrics I look at are Volume, Liquid Options available, growth, or decline over 52 weeks, Option open interest. My strategy is different than most probably, but to each their own. Point is, do a bit of homework before you throw cash at a stock or a stock option.
I’m currently using your bro Prof. G’s three fund portfolio - 1/3 VOO, 1/3 SCHD, and 1/3 QQQM until I can allocate more of my income into investing - trying to get a handle on my debt. I was foolish when I was younger.
Thank you Ryne Great Video, I appreciate you using Free tools like Market Beat calculator when showing you your example portfolios. Keep up the good work :)
I made a similar video talking about this exact strategy for people to compound their money. I also have several if not all of the companies you mentioned.
I’m new with schd just bought 100 shares but I’m also curious about how to calculate the dividend or annual pay out Say you have a 200k can you please help thanks
Yea no problem. SCHD currently has a 3.73% yield, so if you invested $200k right now, just multiply that $200k by 3.73%, and that would tell you you’d be bringing in $7,460 in dividend income per year.
@@lawrencer25 the dividend yield is the amount paid per share dividend by the current share price. But you can calculate how much you’d make in dividends by investing a certain amount using the calculation described in my previous comment
I signed up to get the new version of the spreadsheets but I never received them. Is it because I signed up for the older versions already? I don’t have the updated one
My apologies man! You still should’ve been emailed links to the new spreadsheet because you signed up for the older version. If you can shoot me an email real quick at ryne@retirewithryne.com I’ll get you taken care of
how would you allocate the contributions per week ($100/week) into all those dividend stocks? wouldnt it be better to solely focus on one good balanced etf instead of that whole portfolio?
@@taziiw5908 it’s the difference between being hands on or hands off in your portfolio. There are pros and cons to each…it just depends how involved you want to be in selecting the companies you’re investing in
@@rynewilliams oh i see but im stuck on how one would distribute those contributions every week or month into that diversified portfiolio, would it be like 10% of the $100 contribution into each of those stocks in the portfolio?
Very informative my brother!!!! SNA, UNP, DE & WM interesting a sector I’m missing out my portfolio!!! I have to do some DD going to add one of these companies or something similar !!! I appreciate this video! Thank you my brother.
Man thank YOU! I’m glad you enjoyed this video. And I really don’t think you can go wrong with any of those 4 there. Out of the bunch, I have SNA in my portfolio
I’m slacking in the industrials but have been thinking about WM a lot lately and that’s how I found this video so maybe I really just have to pull the trigger
Thanks Jon! The spreadsheet shown in this video was just for demonstration purposes, but it’s more/less the same thing as my dividend portfolio tracking spreadsheet, which you can find a link for in the description of the video
@@rynewilliams ok coo. Could you make a video on why you prefer individual vs etf. I see a lot of yt’ post the best etfs but they all are heavy into individual stocks. I’d imagine because there no fees for individuals like etfs. But idk!!!
I miss the Basic Material/Chemical Sector and would like to add a Sherwin Williams/Air Products & Chemicals & the Utility Sector with Next Era Energy/Encavis but a solid list :)
Thanks Jibran! This is one I made for the demonstration in this video. However, it’s a variation of my free dividend portfolio tracking spreadsheet, which I have a link for in the description of the video if you want to check it out
Real Estate.... KRC vs CTO vs O? Which one would you however choose? I'm currently investing in KRC and CTO for the relatively cheap value they are at at the moment
Why would something like this be better than a dividend ETF, something like SCHD? Is this for taxable or retirement account, because I thought it was bad to hold REITs in a taxable account?
I don’t know that it would be better than SCHD. I am a big fan of SCHD! However, I know there are many people out there who would rather buy individual companies, and for those people, I don’t think using this approach to put together a portfolio would be a bad way to go
I would say so. However, there are undoubtedly going to be individuals who, for one reason or another, won’t want to go the ETF route. For them, I think this approach would be a good way to put together a portfolio when first starting out.
Depends, like I've always had a 401k thru work that just invests in a general market fund, so when I was new to dividend investing i was motivated by building positions in companies. I'd say whatever motivates a new investor to stick with it and build something for themselves, it's the "right" strategy 🤷♀️
It depends what the rest of your portfolio looks like. I wouldn't just go all in on O, or any one company for that matter, but I think O is a great addition to a dividend portfolio
Great info, Ryne thanks! As a newbie myself, I was wondering about your opinion between having these individual stocks and having just the dividend ETFs. What is your take on this please? Maybe also you could do a comparison video?
Thanks Vladi! This is a great question. The better option between the two just comes down to how much time you want to spend in your portfolio. If you want something that's completely hands-off and can grow on autopilot, dividend ETFs will probably be the way to go. If you think picking individual companies and doing the research into them (and learning how to do the research) sounds interesting, then individual stocks aren't a bad way to go. You could always do a hybrid between the two as well, which is what I would say most investors do
@@rynewilliams thanks for the reply! Some good points here, I will think about it. As you showed in this video, it seems that not much research needed after choosing a few main dividend stocks, just run with them for a long time... Would really appreciate a video from you on this topic, including possible comparative results between the two options, and some basic points on stock research... Thanks!
I guess I’ll make a m1 fiancé account and start this as a pie lol wish other apps did this with ease … I want to set it and forget about it with additional daily investing
@Ryne Williams just curious as to your thoughts on BDCs...from "cash flow" perspective they are solid. Running a back test for 10 years ARCC and HTGC seem to outperform alot of other stocks. I understand they are taxed at ordinary income but once youre at FIRE...they are long term capital gains and then back 0 taxes if all your income is only from investments correct? Seems like a small portion into this makes a ton of sense. What is your opinion on this? Im not saying all your money.. Im suggesting 10-15% into these combined
Not exactly. BDC’s will always be taxed as ordinary income irregardless of whether or not you reach FIRE. You can avoid paying the taxes if you hold them in a Roth IRA though
I don't think it'd be bad to think about a Roth IRA. The downside to the Roth is that your contributions will be capped every year, but you'd only be about 6 years away from being able to use that money tax-free without penalty
I’d say KO would be good to start with over PEP if money is tight but they are both extremely good choices. And while most don’t like MO as a “sin stock”, they are another good one to have.
@@rynewilliams I would say KO over PEP if the investor only has so much to start with. PEP is higher priced but as your video points out, PEP also has foods/snacks under its brand. Every investor should have at least one of them.
@@rynewilliams thanks i have 55 years old i am from Portugal just one more thing to note about these bills on boards can be much discussed because the fees they charge us if you are not a US citizen are exorbitant, my self there are certain actions and there are many that I have charge me more than 65% without the commission on the dividends in my bank.
@@rynewilliams IEP and MPLX this year i sold 200 stock they tax me in a loss 1075 euros 10% taxes about the sale whether you are earning or selling in the dividends i pay 37% in USA in Portugal more 28% of 400 dolres in dividends i recive 127 euros
Have you thought about taking profits on your Chevron or is it a forever holding? Cause I get that too! Awesome little portfolio you put together, you can't sleep on dividends and the power of compounders!
@Ryne Williams I think with the recession upcoming, yes I believe we will still get 2 quarters of negative gpd. Energy stocks are going to tank, if I was 50% or more up on my energy stocks I'd move into something else, oil has dropped below $80 a barrel heck back into the $60 at times. There's so many amazing companies you could employ that capital too. My personal opinion! You do what you have planned though. (:
My $400k equity portfolio yielded over $6800 dividends in the first quarter. My focus is Pham and energy services. ABBV, Gild, ENB, Ctra, Dvn, UPS, MO, plus several cover call ETF. Some of these are March purchases. Should have over $7500 for second quarter.
That's a great question. I used to talk about TROW here and there but you're right, I don't talk about it that often at all. I'm not exactly sure why that is
I honestly think I'd rather have ABBV over JNJ. But, I'm currently selling all my individual stocks and going the ETF route so I'm not really looking at all the details anymore
If i was to pick 10 dividend stocks id have some similar ones: Lowes, Visa, Microsoft, 3M, Pfizer, T Rowe, Starbucks, Scotts Miracle Gro, Broadcom and Altria. Its really tough to pick 10 tho and i like your list. I wouldnt include O or a REIT until they understand the tax implications. I have all of my O in my Roth.
Thanks for sharing that Joe. I think those are all great picks too. SMG I’m kind of on the fence about but obviously a very dominant player in the lawn and garden industry
Is this a value portfolio or a dividend one? It promotes the value of the stock itself beating the market which is good if you intend to sell the stock in retirement, but for a purely dividend portfolio where you only want to live on the dividend and not sell the stock, the sub 3% doesn't beat inflation. So it seems if you really want value, you could adjust for heavy hitters and sacrifice the dividend a little. But if you want dividend, you could sacrifice the value and try to get 5 or 7 or even higher dividend return focus. If I wanted to balance both, I think I would sacrifice some of that value and push a little higher for dividend percentage. Thoughts?
It’s a portfolio of good, recognizable companies that pay dividends and have a history of generating a higher total return than the S&P over the last 10 years (actually 20 years too). It’s intended for brand new investors who are just getting their bearings, and are likely not concerned with the distinction between whether it’s a value portfolio or a dividend portfolio
That's a great starter portfolio for newbies however I don't prefer dividend stocks for a monthly or annual income because you would have to own a boatload of shares to really see any money. I prefer getting lucking on a 5 to 10 dollar growth stock and holding long term. I think over time it would eventually out perform a dividend portfolio
PREFER GETTING LUCKY WHAT IF THAT LUCK RUN OUT WE DONT NECESSARILY HAVE TO WORRY ABOUT THAT OTHER THAN A DIVY CUT REDUCTION LAWSUIT OR BANKRUPTCY BUT REALISTICALLY U DON'T HAVE TO WORRY ABOUT LUCK MORE SOLID SO I'D HAVE TO DISAGREE WITH THAT STATEMENT
Nope, Schd 3.45 yield and 13.92 5yr cagr, so still not seeing how this would be any better or EASIER for a noob 🤷🏻♂️. Analysts paralysis is a real thing. Keep it simple, my .02 nfa
What other dividend stocks would be a good fit for a beginner dividend portfolio? (Besides SCHD 😉) Let me know in the comments below! 👇
Thanks Bill
@@rynewilliams I would suggest JEPI instead of SCHD...
@@shaunbrown5593 why’s that?
Still a big fan of Altria (MO) myself. If the beginner also has limited funds, B2Gold (BTG) has been a nice one for me. Granted BTG divided dropped slightly but its still the one stock I can afford no matter what. It's my discipline builder...probably always hang on to it for that reason alone.
Same!
As a fairly new dividend investor… this is exactly what I was looking for. It’s been about a year since I started and wanted to make my portfolio more well balanced. Thank you!
Jason I’m glad to hear that man! I really appreciate you watching and commenting. Keep up the great work 🙌
I did a whole redo on my portfolio and sold everything and made it into a dividend portfolio. Currently have JNJ, LOW, MSFT, O, PEP, PG, SBUX and SCHD to start. And going to add more as I go.
Nice Ermias, that sounds like a solid portfolio so far. Keep up the great work!
Nice
@@Defender0fDead I always look to buy when i see red in my watchlist 😂
i did the same. Im not messing with any of these unprofitable startups. also electric vehicle startups stay away from. too risky. They all are losers
Brother, you are going to see exponential growth with this video! Great great content 🙌🙌🙌
Thank you my friend! I hope you enjoyed watching this one. That comment means a lot
This is a financial heaven... I hope you will be doing more videos
I definitely will!
Incredible video my guy!
Thank you man!
Great video and stellar thumbnail!
Thank you my dude! I really appreciate that 🙌
All solid choices. I own all but MC, WM and KR. The choices we share make up 19.53% of my entire portfolio. Realty Income is my top holding, with ABBV, KO, PG, AVGO, PFE, PEP, JNJ, LMT and ENB making up the rest of the top ten. Great Video.
Thanks Jim! Your top 10 is a really solid list
ABBV is a pretty popular play vs JNJ
Wow Ryne! I have a similar top 10 I keep to remind myself to keep investing in them even if they aren’t always the “cheapest” buys. We are a close match, just switch MSFT for AAPL, MCD for MA and UNP for CVX. 7 of 10! And the 3 you have that didn’t make my top 10 would be somewhere in the 11-20 if I expanded it!
Great list and video!
Colby that’s awesome man! It was really hard to narrow the list down to just 10 stocks because there are so many good ones out there. Cool that we have a lot of similarities here though 🙌
Solid video, bro! The 10 year historical work up was BADASS!
Thank you man! Wild to see how this thing would perform
Great advice for new investors
No hype or penny stocks just
Great companies, kudos to
You👍
Thank you so much!
Great video. I just started to build my dividend portfolio and i allready have some stocks from this video like realty income stock
Nice! That's awesome. Congrats on getting starting with dividend investing, keep up the great work
Good job breaking it down for new dividend investors. Only one stock out of ten I wouldn't buy now is JNJ because of the lawsuit. Keep the videos coming.
Thanks Doug!
You scared 😂
@@user_abcxyzz Asbestos lawsuits have ruined a many of companies. Not scared just seen the results of lawsuits bankrupting companies
Nice stock vlog! Can you please do a vlog on Fertilizer stocks.
What are some examples of fertilizer stocks?
@@rynewilliams Mosaic,Nutrien, CF Industries Holdings Inc., FMC Corporation, Intrepid Potash Inc., Corteva Inc., etc.
@@ganapatihegde1024 I’ll have to look into them
Great info!! Every stock mentioned is quality. Can’t go wrong with these. Beginner or veteran!!
SCHD would be a great foundation etf to use these 10 stocks around.
Rynes videos are very helpful!!!
I couldn't agree more, thanks Ryan!
Isn't easier to just buy an ETF, like SCHD?
Absolutely. Some people still like buying individual companies though
Cheaper too as you dont have any expense ration. SCHD is a much safer and simpler choice though. I have both SCHD and individual stocka
Great stuff. I would also suggest XLE an energy ETF with big holdings in Chevron and Exon. Raytheon Tech is another good one for the industrial sector
Those are great options for sure, good thinking!
Nice portfolio! Thanks for the video Ryne and have a great week!
Thanks Gman, hope you have a great week as well!
Ryan what are your thoughts on stock lending through Tobinhood???
I don't have any serious thoughts on it to be honest
@Ryne Williams How about a video comparing this 10 stock port performance vs SCHD?
That’s a great idea! I kind of did that in the video linked here. SCHD + VOO so it wasn’t straight SCHD, but still.
th-cam.com/video/SvGcFOUZfEI/w-d-xo.html
Love this video Ryne!
Thank you Tracy!
Sherwin Williams would also fit?
I agree. That’s a great company!
Great video! Very informative, simple and useful
Thank you George, I really appreciate that. I'm glad you enjoyed watching this one!
I thank you so much for this. I was blindly throwing darts with most of my portfolio in psec. I'm pretty new and most of these stocks you suggested are my favorite companies. I'm actually thinking of mirroring this exact portfolio. Kudos Ryne ty.
It wouldn't be a bad way to go. Thank you my friend!
There are thousands of stocks, don’t throw darts. Put them all on a spreadsheet and use formulas to filter through the weeds to the solid stocks. In general 99% of your list will end up being household names, JNH BA BAC AMZN INTC and so on, if everyone has heard of the company it’s probably a safer bet. And yes I know some I listed don’t pay a dividend, some growth stocks should be in your portfolio too. IMO…. some metrics I look at are Volume, Liquid Options available, growth, or decline over 52 weeks, Option open interest. My strategy is different than most probably, but to each their own. Point is, do a bit of homework before you throw cash at a stock or a stock option.
I actually just put in my first buy orders today for Monday. This helped a ton! Thanks!
Nice man! Which stocks are you planning on picking up?
@@rynewilliams Lowes, jepi, schd, realty (o), chevron, kroger, jnj
Very nice!
@@joshuawebb1610copy cat 😂 be careful who's advice you follow
What you think about PXD?
I’ve never heard of it!
@rynewilliams ok thank you
What's yours thoughts about daily dollar cost averaging?
I don’t have anything against it. I’m a big proponent for dollar cost averaging, and I think the frequency at which you do it is preferential
exactly the video im looking for, thx ryne
Thank YOU my friend!
All solid stocks for beginners and beyond.. The key is to invest into the "forever" stocks 🤑
You said it best my dude!
I’m currently using your bro Prof. G’s three fund portfolio - 1/3 VOO, 1/3 SCHD, and 1/3 QQQM until I can allocate more of my income into investing - trying to get a handle on my debt. I was foolish when I was younger.
That's a solid portfolio. The Professor is the man! Really great dude
Does SCHD have most or all these 10 sample stocks?
Great question! You can cross-reference the ones in this video with all of SCHD's holdings here: www.schwabassetmanagement.com/products/schd
You just use dividend distributing ?
Or you also use accumulating?
What do you mean?
Thank you Ryne Great Video, I appreciate you using Free tools like Market Beat calculator when showing you your example portfolios. Keep up the good work :)
Thank you my friend! I appreciate the kind words. You rock!
Can you do one for ETFs? Thanks for the vid was great
Yea I could definitely do that, thank you for the suggestion!
Love the video!
Sierra Mist is now Starry btw lol
Oh that’s good to know haha. I didn’t realize that. Thank you!
Very very very good video! I would say 50 % in these and 50% in SCHD. Also love MO. ❤️
Thanks Steve, I really appreciate that. I’m glad you enjoyed this one! 🙌
I made a similar video talking about this exact strategy for people to compound their money. I also have several if not all of the companies you mentioned.
Nice!
Is there any reason or benefit to own both KO and PEP ?
In my opinion, outside of extra diversification, there isn’t much of a reason to own both
@@rynewilliams agreed, only have KO just wanted to see what you thought, thanks man!
I’m new with schd just bought 100 shares but I’m also curious about how to calculate the dividend or annual pay out
Say you have a 200k can you please help thanks
Yea no problem. SCHD currently has a 3.73% yield, so if you invested $200k right now, just multiply that $200k by 3.73%, and that would tell you you’d be bringing in $7,460 in dividend income per year.
Thanks you
You got it!
@@lawrencer25 the dividend yield is the amount paid per share dividend by the current share price. But you can calculate how much you’d make in dividends by investing a certain amount using the calculation described in my previous comment
I just consolidated my portfolio as well. About evenly weighted between SCHD, VOO, OXY, FITB.
Nice Corey, that’s a solid spread
@@rynewilliams would love to see an analysis on some banks now that they’re down so much. FITB, BAC, WFC..
I signed up to get the new version of the spreadsheets but I never received them. Is it because I signed up for the older versions already? I don’t have the updated one
My apologies man! You still should’ve been emailed links to the new spreadsheet because you signed up for the older version. If you can shoot me an email real quick at ryne@retirewithryne.com I’ll get you taken care of
@@rynewilliams perfect. Just sent the email. Thank you!
how would you allocate the contributions per week ($100/week) into all those dividend stocks? wouldnt it be better to solely focus on one good balanced etf instead of that whole portfolio?
I think you could go either way
Ohh but what would the pros and cons be?
@@taziiw5908 it’s the difference between being hands on or hands off in your portfolio. There are pros and cons to each…it just depends how involved you want to be in selecting the companies you’re investing in
@@rynewilliams oh i see but im stuck on how one would distribute those contributions every week or month into that diversified portfiolio, would it be like 10% of the $100 contribution into each of those stocks in the portfolio?
You could do it that way, or focus the contributions on the holdings you want to build the most
So far I hold BAC, DIVO, JEPI, XOM, SCHD, XYLD. looking to open positions in JNJ and Verizon
Nice Jose!
Verizon a great dividend stock ✅
I like it juicy dividends 💸💰
Agreed!
Very informative my brother!!!! SNA, UNP, DE & WM interesting a sector I’m missing out my portfolio!!! I have to do some DD going to add one of these companies or something similar !!! I appreciate this video! Thank you my brother.
Man thank YOU! I’m glad you enjoyed this video. And I really don’t think you can go wrong with any of those 4 there. Out of the bunch, I have SNA in my portfolio
what do you think about the stocks (MO) and (BTI) ?
I have MO in my portfolio
I’m slacking in the industrials but have been thinking about WM a lot lately and that’s how I found this video so maybe I really just have to pull the trigger
WM is hard to beat!
Great Top 10 @Ryne! Thanks for sharing. Is the spreadsheet you used here to forecast dividends and growth available?
Thanks Jon! The spreadsheet shown in this video was just for demonstration purposes, but it’s more/less the same thing as my dividend portfolio tracking spreadsheet, which you can find a link for in the description of the video
😂😂😂
This is literally my ROTH, slide out XOM, slide in MCD, slide out cc, slide in JPM. Pepper in a few others too. 🔥🔥
Hahaha man that's awesome. Your Roth must be crushing it!
@Ryne Williams First buy in 2008. No doubt brother. I love my job tho, so I'm in the 'FIR,' movement, financial independence, retired. 🤣
was waiting for this! STELLAR CONTENT
Thank you so much! I’m glad you enjoyed this one 🙌
Chevron, Microsoft, Proctor Gamble, and Johnson & Johnson are 4 of my 5 core stocks. Hope to begin a Reality Income position soon.
Nice Duke. And you'll have to keep me posted on when you start that O position. It's been coming down lately and I bet it'll keep going
@@rynewilliams I figure Reits in general will come down as the housing market struggles. Would like to begin "O" at under $60.
With this calculation,are you considering the snow ball strategy?
Of course! Dividend snowball is life
What Jnj and not Abby ?
I like ABBV a lot and have it in my own portfolio. I just figured a beginner investor would be more familiar with JNJ
I see a good future for UPS, both in terms of the business and shareholder return.
Yea I think they'll do pretty well!
REITs are taxed as ordinary income rather than capital gains which is why I don’t hold any in my taxable account. Got VNQ in my IRA though!
Nice!
Hey Ryne, gr8 vid!!!
Did you mean to have 1k invested or 10k on your spreadsheet example?
Thank you! I meant $1k
@@rynewilliams ok coo.
Could you make a video on why you prefer individual vs etf.
I see a lot of yt’ post the best etfs but they all are heavy into individual stocks.
I’d imagine because there no fees for individuals like etfs.
But idk!!!
Nice little video 😊
Thanks Paul!
@@rynewilliams it has been fun lately 😊 my portfolio has been ok
SCHD is a must stock 🔥
It's a good one for sure!
@@rynewilliams it sure is!
Great list!
Thanks Robin!
I miss the Basic Material/Chemical Sector and would like to add a Sherwin Williams/Air Products & Chemicals & the Utility Sector with Next Era Energy/Encavis but a solid list :)
Those would be great additions, thank you!
I would swap out APPL with AVGO and MA with TROW and you would have a much better dividend yield.
I don’t disagree. I just don’t think a beginner investor would be as familiar with AVGO or TROW, which is why I opted for more recognizable names
Stock appreciation still matters even though the dividend is lower.
I don't love any ETF in a taxable account. SCHD is for your Roth. I need to add more PG, KO, ABBV, and PEP.
Is there a particular reason you don’t like SCHD in a taxable account?
what spreadsheet are you using to analyze the portfolio? seems like a great tool!
Thanks Jibran! This is one I made for the demonstration in this video. However, it’s a variation of my free dividend portfolio tracking spreadsheet, which I have a link for in the description of the video if you want to check it out
Real Estate.... KRC vs CTO vs O? Which one would you however choose? I'm currently investing in KRC and CTO for the relatively cheap value they are at at the moment
If I HAD to choose just one, it’d be O. I have both O and KRC though
I made a new portfolio built exactly like this. I’ll check back in in 20 years and let you know how it looks! Lol 😘
Definitely keep me posted!
Why would something like this be better than a dividend ETF, something like SCHD? Is this for taxable or retirement account, because I thought it was bad to hold REITs in a taxable account?
I don’t know that it would be better than SCHD. I am a big fan of SCHD! However, I know there are many people out there who would rather buy individual companies, and for those people, I don’t think using this approach to put together a portfolio would be a bad way to go
Great companies! But new investors are better off with an EFT like SCHD. What do you think?
I would say so. However, there are undoubtedly going to be individuals who, for one reason or another, won’t want to go the ETF route. For them, I think this approach would be a good way to put together a portfolio when first starting out.
Depends, like I've always had a 401k thru work that just invests in a general market fund, so when I was new to dividend investing i was motivated by building positions in companies. I'd say whatever motivates a new investor to stick with it and build something for themselves, it's the "right" strategy 🤷♀️
That's a good point!
@@delbomb3131 I agree! The important is to get started investing as early as possible in great dividend companies!
Let's say I have around $8000. Do you think it is a good idea to put it in O realty?
Thank you in advance
It depends what the rest of your portfolio looks like. I wouldn't just go all in on O, or any one company for that matter, but I think O is a great addition to a dividend portfolio
Great info, Ryne thanks!
As a newbie myself, I was wondering about your opinion between having these individual stocks and having just the dividend ETFs.
What is your take on this please?
Maybe also you could do a comparison video?
Thanks Vladi! This is a great question. The better option between the two just comes down to how much time you want to spend in your portfolio. If you want something that's completely hands-off and can grow on autopilot, dividend ETFs will probably be the way to go. If you think picking individual companies and doing the research into them (and learning how to do the research) sounds interesting, then individual stocks aren't a bad way to go. You could always do a hybrid between the two as well, which is what I would say most investors do
@@rynewilliams thanks for the reply!
Some good points here, I will think about it.
As you showed in this video, it seems that not much research needed after choosing a few main dividend stocks, just run with them for a long time...
Would really appreciate a video from you on this topic, including possible comparative results between the two options, and some basic points on stock research...
Thanks!
This is a great idea. I'm actually going to be talking about this in tonight's live stream!
I guess I’ll make a m1 fiancé account and start this as a pie lol wish other apps did this with ease … I want to set it and forget about it with additional daily investing
Not a bad way to go
Great video
Thank you Bailey, I'm glad you enjoyed this one!
For clarity. You do DRIP, right? Once a position reaches 100 share do you do a covered call strategy?
Mask On Nurse Marty (Ret)
I haven't dipped my toe into covered calls yet. Maybe at some point I will.
@Ryne Williams just curious as to your thoughts on BDCs...from "cash flow" perspective they are solid. Running a back test for 10 years ARCC and HTGC seem to outperform alot of other stocks. I understand they are taxed at ordinary income but once youre at FIRE...they are long term capital gains and then back 0 taxes if all your income is only from investments correct? Seems like a small portion into this makes a ton of sense. What is your opinion on this? Im not saying all your money.. Im suggesting 10-15% into these combined
This is a great question. I really like BDC's. I have a couple in my portfolio at relatively small allocations - MAIN and ORCC
@@rynewilliams I am nowhere near retiring but am I correct on the taxation? At least to your knowledge, I know you're not a tax adviser or CPA hahaha
Not exactly. BDC’s will always be taxed as ordinary income irregardless of whether or not you reach FIRE. You can avoid paying the taxes if you hold them in a Roth IRA though
At 53 years of age, is it smart to invest on this or start thinking on retirement funds like Roth IRA?
I don't think it'd be bad to think about a Roth IRA. The downside to the Roth is that your contributions will be capped every year, but you'd only be about 6 years away from being able to use that money tax-free without penalty
I’d say KO would be good to start with over PEP if money is tight but they are both extremely good choices. And while most don’t like MO as a “sin stock”, they are another good one to have.
Are you saying KO over PEP because it has a lower share price?
@@rynewilliams I would say KO over PEP if the investor only has so much to start with. PEP is higher priced but as your video points out, PEP also has foods/snacks under its brand. Every investor should have at least one of them.
You forgot fred Meyer is popular in Washington too 😁
I didn't realize it was popular there! Good to know
I’m 25 so I’d only be 55 if I was to invest for 30 years and that would be amazing 😅
What if you have all these stocks but from different brokerages? Does it all have to from the same portfolio?
Not necessarily
On Friday I put it $1000 in the MO
Nice pick Gary!
@@rynewilliams thank you sir
I’m surprised Walgreens (WBA) isn’t mentioned more by dividend lovers. 5%+ dividend and it’s been a great buy in the 30’s.. 🍺
Yea that's a good point. I haven't heard it talked about in a while. I certainly haven't myself, but maybe I need to give it another look
Is that driping all the dividends
Yes!
ALTRIA , FOR SURE
Love me some MO
ZIM what do you think, this is a dividend trap?
I would stay away from it, especially if you’re someone who’s just starting out
@@rynewilliams thanks i have 55 years old i am from Portugal just one more thing to note about these bills on boards can be much discussed because the fees they charge us if you are not a US citizen are exorbitant, my self there are certain actions and there are many that I have charge me more than 65% without the commission on the dividends in my bank.
@@spartakus8443 oh wow, that’s a huge tax!
@@rynewilliams IEP and MPLX this year i sold 200 stock they tax me in a loss 1075 euros 10% taxes about the sale whether you are earning or selling in the dividends i pay 37% in USA in Portugal more 28% of 400 dolres in dividends i recive 127 euros
Is the $100 added each week equally invested into each of the 10 companies? So $10 into each stock each week?
Yea exactly. So $100 invested divvied up equally into the 10 stocks
Have you thought about taking profits on your Chevron or is it a forever holding? Cause I get that too! Awesome little portfolio you put together, you can't sleep on dividends and the power of compounders!
I was seriously considering it at one point recently but I’m not so sure if I want to anymore. What do you think?
@Ryne Williams I think with the recession upcoming, yes I believe we will still get 2 quarters of negative gpd. Energy stocks are going to tank, if I was 50% or more up on my energy stocks I'd move into something else, oil has dropped below $80 a barrel heck back into the $60 at times. There's so many amazing companies you could employ that capital too. My personal opinion! You do what you have planned though. (:
That’s true. I’m still up about 80% on my CVX position which is a really nice gain. It wouldn’t hurt to at least trim it
@@rynewilliams a nice trimming and use that to dollar cost average down in some of your other holdings wouldn't be a bad idea!
My $400k equity portfolio yielded over $6800 dividends in the first quarter. My focus is Pham and energy services. ABBV, Gild, ENB, Ctra, Dvn, UPS, MO, plus several cover call ETF. Some of these are March purchases. Should have over $7500 for second quarter.
Dang Mark, that's awesome!
I think AXP is a good alternative for banking/credit card stock.
I agree, that is another good one
I’m surprised that you never talk about $TROW, have you ever considered it? Big follower of your videos and your journey (from Spain)
That's a great question. I used to talk about TROW here and there but you're right, I don't talk about it that often at all. I'm not exactly sure why that is
I dunno, I probably woulda gone with KHC over either KR or PEP
KHC is pretty iconic. Is there a particular reason you’d go with them over KR or PEP?
@@rynewilliams just personal preference. I’m the type that buys what I use, khc products are almost a daily buy with 5 kids.
Haha that makes sense
Evening mate how old are you? I know it’s rude to ask but just curious 😅
I don’t mind answering that at all! I’ll be 30 years old next week
@@rynewilliams oh man, I’m 25 but I look like a baby still 😂😂😂 ngl I thought you was going to say maybe 35 or somet haha
@@Justaleedsthing I’ll be honest, I’m not quite sure how to take that 😂
@@rynewilliams just don’t block me lol ;)
I got 10 stocks/etfs that can be used more for income and some growth of capital
DX
GLAD
GAIN
HRZN
MAIN
PSEC
SBR
ACP
QYLD (ETF)
JEPI (ETF)
Solid spread
I honestly think I'd rather have ABBV over JNJ. But, I'm currently selling all my individual stocks and going the ETF route so I'm not really looking at all the details anymore
Nice, that’ll make things much more simple. Good stuff!
If i was to pick 10 dividend stocks id have some similar ones:
Lowes, Visa, Microsoft, 3M, Pfizer, T Rowe, Starbucks, Scotts Miracle Gro, Broadcom and Altria. Its really tough to pick 10 tho and i like your list. I wouldnt include O or a REIT until they understand the tax implications. I have all of my O in my Roth.
The cool thing about SMG & T Rowe are the special dividends😍
Thanks for sharing that Joe. I think those are all great picks too. SMG I’m kind of on the fence about but obviously a very dominant player in the lawn and garden industry
Is this a value portfolio or a dividend one?
It promotes the value of the stock itself beating the market which is good if you intend to sell the stock in retirement, but for a purely dividend portfolio where you only want to live on the dividend and not sell the stock, the sub 3% doesn't beat inflation.
So it seems if you really want value, you could adjust for heavy hitters and sacrifice the dividend a little. But if you want dividend, you could sacrifice the value and try to get 5 or 7 or even higher dividend return focus.
If I wanted to balance both, I think I would sacrifice some of that value and push a little higher for dividend percentage.
Thoughts?
It’s a portfolio of good, recognizable companies that pay dividends and have a history of generating a higher total return than the S&P over the last 10 years (actually 20 years too). It’s intended for brand new investors who are just getting their bearings, and are likely not concerned with the distinction between whether it’s a value portfolio or a dividend portfolio
That's a great starter portfolio for newbies however I don't prefer dividend stocks for a monthly or annual income because you would have to own a boatload of shares to really see any money. I prefer getting lucking on a 5 to 10 dollar growth stock and holding long term. I think over time it would eventually out perform a dividend portfolio
PREFER GETTING LUCKY WHAT IF THAT LUCK RUN OUT WE DONT NECESSARILY HAVE TO WORRY ABOUT THAT OTHER THAN A DIVY CUT REDUCTION LAWSUIT OR BANKRUPTCY BUT REALISTICALLY U DON'T HAVE TO WORRY ABOUT LUCK MORE SOLID SO I'D HAVE TO DISAGREE WITH THAT STATEMENT
I prefer monthly passive income. If you don't need the money ur investing with, dividen investing is the way to go
I am narrowing my portfolio these stocks:
GPC
LOW
CPB
PEP
PG
CVX
XOM
SO
CAT
UNP
Nice picks!
Lowes has more liabilities than cash witch is becoming consering
You’ll find that most companies have more liabilities than cash. AAPL does as well, as an example.
T went down every day for four years...meaning it lost money every day I had it..four years worth
I highly doubt that it went down literally every day
@@rynewilliams probably not but i reinvested every dividend and it wound up losing money for the years I held it..
My goal is 30% VOO, 30% SCHD and 4% in each of the 10 carefully picked stocks.
That’s a solid spread
Nope, Schd 3.45 yield and 13.92 5yr cagr, so still not seeing how this would be any better or EASIER for a noob 🤷🏻♂️. Analysts paralysis is a real thing. Keep it simple, my .02 nfa