/biz/ - Business & Finance

[Anonymous No.13447963]

Where's my dividend bros at? What's your monthly adjusted income looking like? Favorite stocks? I'm up to a few hundred a month now in passive income.

[Anonymous No.13448583]

>>13447963
About how much would i need to invest on average to get there.

[Anonymous No.13448889]

>>13448583
this is the long game anon, choosing from dividend aristocrats with 3-4% yields is ideal, try to frontload it at first and reinvest the dividends

once you get to say $100 per month, it's going to start compounding pretty fast, since you're investing $100 more per month and so on--check out ppcian if you're curious

[Anonymous No.13448911]

>>13447963
Just started investing, £8000 into vanguards so far, aiming to invest £15-20k per year

love the fact my dividends increase every single time as my equity increases

[Anonymous No.13448931]

>mfw I'll need about $250,000 in various dividend stocks that average 50 cents a share for each quarter to obtain that sweet sweet $100 a month dividend

[Anonymous No.13448950]

>>13447963
I'm still trying to get up there and start with baby steps but I just can't get there yet. What are the best stocks and sectors for guaranteed growth? I'm not SUPER worried about the value of the stocks fluctuating, but hot damn if it doesn't depress me watching me lose money on my stocks in the name of divies.

[Anonymous No.13448972]

>>13448950
pick companies that will be relevant in the future but have high yields. MSFT, ITW, SBUX, T, JPM, CSCO, KO, CAG, LMT, XOM, MO

[Anonymous No.13448993]

>>13448931
What? No you don't retard

$100 a month is $1200 a dividend

At a 3% annual dividend that's only $40,000

[Anonymous No.13449005]

>>13448972
Do you think Real Estate is a good market as far as divies go? They give fat ones and I feel that no crash will ever be as bad as the previous recession as far as recovery goes, but I also feel keeping a 3rd or so of my portfolio dedicated to real estate isn't the greatest of ideas

[Anonymous No.13449035]

> not getting KCNY for that sweet sweet Yuan

It's like you enjoy being poor

[Anonymous No.13449696]

>>13448993
You could easily get $100 a month with less, like 20-30k. Just need to choose higher yielding stocks carefully. Things like XOM/CVX are paying pretty well.

[Anonymous No.13450185]

Ford has a pretty high dividend yield (about 7.8%) right now, and seems pretty safe with room for share price to grow.

[Anonymous No.13450204]

how do I into dividends? where the fuck do I even buy these boomer thingies?

[Anonymous No.13450238]

>>13450204
Certain stocks give periodic payouts to shareholders. That's all a dividend is. Shares of large, established companies are more likely to pay dividends than smaller companies since there is maybe less room for them to grow (and therefore for investors to profit from increase in share price). If you want to invest in some stock over the long term you should probably do that through an IRA or some other tax advantaged account.

[Anonymous No.13450245]

This thread shows the difference in maturity between crypto investors and stock investors. I love crypto and am heavily invested, but god damn this thread is what /biz/ should be like.

[Anonymous No.13450257]

Some of you guys are alright, I’m gonna help you out.
CHR.TO

[Anonymous No.13450321]

I put a call on ford to go up to ten dollars yesterday and made 46 dollars this morning. I put in $41 dollars

[Anonymous No.13450339]

>>13450321
Do you want a gold star for your lunch money?

[Anonymous No.13450342]

>>13450204
Drink a lot of monster, son. After that just buy dips. Sip n dip. Sip n dip. Yup. They don't make em like they used to tho I tells ya *ksschhk*.

[Anonymous No.13450364]

>>13450238
Speaking of. If you want to buy divvies you should do it in a tax deferred account. I was reading an econ paper recently about how most companies should not be paying dividends right now because most people prefer capital gains over dividends. Additionally, dividends are taxed as income, which can be higher than the capital gains tax in your bracket and probably is if you have LT cap gains. So buying divvies is tax inefficient compared to a no div, pure cg stock.

[Anonymous No.13450368]

Why would you focus on dividends instead of total return?

Do you people not understand how money works?

[Anonymous No.13450402]

>>13450238
Wait i can invest money from an ira into an index fund? Am i taxed when i withdraw?

[Anonymous No.13450403]

>>13450364

This is objectively false, like usual on biz. Divs are taxed at the long term capital gains rate if you held the security for longer than 60 days.

Stay stupid as fuck biz. Stay pleb. This echo chamber of false information is just as bad as Reddit.

[Anonymous No.13450416]

>>13447963
>>13448889
>>13448911
>>13448950
>>13448972
>>13450185
Hey dividend bros, good to see that other /biz/raelis are saving for their future in addition to gambling on crypto.

I'm currently making about $4,500/year in dividends. Here's everything I'm invested in, about 90% of them pay a dividend:
ALC
AMAT
AMD
AMT
APTS
AVB
BABA
BIP
CB
CCI
CHCT
COF
CSCO
CTL
CY
DEA
DTE
DY
EPD
EPR
EQR
FPI
GAMR
GLW
HASI
HON
IBM
INTC
IRET
IRT
KO
LADR
LTC
MAA
MDT
MMM
MMP
MO
MU
NOK
NSRGY
NVS
NXRT
O
OHI
OPI
PEGA
PMULF
QCOM
QTS
ROBO
SBRA
SIMO
STX
SUI
SWKS
SWMAY
TSM
VOD
VTR
WELL
WFSTF
WPC
XLNX
ZAYO

[Anonymous No.13450447]

>>13450368
dividend growth funds outperform the S&P historically. Dividends are tax-free in retirement accounts.

Also, in my opinion dividends have a psychological benefit -- when the market tanks and your stocks drop 20% (like what happened in December), you don't sweat it or panic sell, because cheaper stock prices also means that the dividend yield goes up, and if you've set your dividends to reinvest, then the stock repurchases additional shares of itself at an accelerated pace.

[Anonymous No.13450467]

>>13450416
Why didn’t you get more

[Anonymous No.13450474]

>>13450403
actually anon, you are wrong.

dividends are taxed as part of your total income when you pay income taxes (state and federal).

if you have set your dividends to reinvest, then the shares you purchased with your dividends will additionally have any gains taxed at the capital gains rate (short or long term), just like any other shares you buy normally.

the anon that you were a dick to was making the point that companies can return cash to shareholders in one of two ways: by repurchasing shares of their own company from the market, or by paying dividends to shareholders. If they repurchase shares of their own company and it makes the value of your stock go up by $100, and then you sell for a profit and pay long-term capital gains tax of $15 on that profit, that is more tax-efficient compared to if the company pays you $100 in dividends and you have to pay $30 of income taxes on those dividends.

[Anonymous No.13450490]

>>13450467
I will and do, $2,000 at a time.

[Anonymous No.13450496]

>>13450416
how much $ do you have in?

[Anonymous No.13450503]

>>13450496
around $160k

[Anonymous No.13450543]

>>13450402
That's correct. Your IRA would presumably allow you to purchase index funds and other investments. For IRAs, you don't pay income tax on the money put in or while it sits in the account. You pay taxes when you withdraw the funds. Or you can set up a Roth IRA, where you do the opposite. You pay income taxes on money you deposit, but withdraw tax free later.

[Anonymous No.13450613]

>>13450543
Man that's a gamechanger for me. What is the max usd you can put in an ira yearly?

[Anonymous No.13450683]

>>13450613
I believe it's $6,000 starting this year. Also, if you make more than $130,000 per year (or $200,000 if married), you can't deposit into a Roth IRA and you can't deduct taxes from depositing into a regular IRA.

[Anonymous No.13450719]

>>13450613
You really need to do some basic reading on this stuff. Don't just take 4channel's word for it. You can contribute a max of $6,000 for 2019. You might be able to contribute that also for your spouse (not sure off the top of my head). For me personally, I'm contributing just $4,000 to take advantage of the saver's tax credit (which I anticipate to be 10% of the contribution, or $400) and will put the rest of my money in other places.

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit

[Anonymous No.13450730]

>>13448889
>ppcian
based, I watch that boomer

[Anonymous No.13450886]

>>13450683
>>13450719
Fuck man that's barely anything at all. I was thinking 25-50K

Where the fuck am i supposed to put

[Anonymous No.13450898]

>>13450886
...the 300K i am getting in a settlement later this year?

[Anonymous No.13450904]

>>13450683
at that point you can make a non-deductible contribution to a traditional IRA and convert it to a Roth IRA

[Anonymous No.13450928]

>>13450898
>>13450904
Also bear in mind that's just for IRA contributions. If you have other tax-advantaged accounts (like an HSA or 401k), you can also contribute to those accounts up to their respective limits.

[Anonymous No.13450934]

>>13450886
>>13450898
who says your money has to go into a retirement account. You might want that money later to buy a house or something. Consider that you have to pay a penalty to take money out of a retirement account before you're retirement aged.

just put the settlement money in a normal brokerage account, where you'll have to pay taxes on the dividends. If you pay 30% income tax you'll still keep 70% of the dividends. Assuming 3% dividends on your $300,000, that's $9,000 a year in income, and you'll pay taxes on that like any other income.

Or put it in a normal brokerage account and buy $SPY if you're not into dividends as much.

nothing to be worried about my man, you're getting $300,000!

[Anonymous No.13450944]

>>13448583
$100,000+

[Anonymous No.13450952]

>>13450342
Kek