Dividend investing general /dig/

[Anonymous No.56609880]

We are relevent edition

>dividend aristocrats
https://www.nasdaq.com/stocks/investing-lists/dividend-aristocrats
>dividend achievers (10 year dividend increase history)
https://www.marketbeat.com/dividends/achievers/
>check dividend history, dividend growth history, payout ratio etc.
https://www.financecharts.com/
>dividend calendar
https://www.nasdaq.com/market-activity/dividends
>dividend growth calculator
https://dividendathlete.com/dividend-investing-
calculator/
>what are qualified dividends and how are they taxed
https://www.investopedia.com/terms/q/qualifieddividend.asp
>REITs
https://www.reit.com/what-reit
>power of dividend growth
https://www.investopedia.com/articles/basics/04/072304.asp

>dividend is irrelevent
we don't care, we like dividends

[Anonymous No.56610147]

Any PBR chads on the board?

[Anonymous No.56610186]

>>56609880
"The truth is Buffett is one of the world’s richest men precisely because his fortune is almost entirely untaxed. Berkshire pays no dividends, so Buffett has paid no dividend taxes. He has sold very few shares of Berkshire in his lifetime, so he has paid little capital gains tax.

He’s worth tens of billions, but he pays himself only a $100,000 annual salary. So he isn’t paying much income tax either.

Yet he swears the rest of us aren’t bleeding into enough bottles for the IRS. For that, Warren, I send you my middle-finger salute."

[Anonymous No.56610344]

>>56609880
Buying some TFLO while i wait for the fire sale.

[Anonymous No.56610348]

>>56610147
It's on my list for sure.
My recent buys were 2x J&J 15 times Legget and Platt and 21 Van Lanschot Kempen N.V.
My total yearly dividend income is now at €1375. Only started the dividend investing in june of this year and my first goal was to make a dollar a day (365 per year). Next goals is making 365 per quarter and am almost there. Start was easy because I made a good amount on shitcoins last run of 2021.

[Anonymous No.56610526]

>>56609880
Berkshire Hathaway doesn't pay dividends. What are they measuring in this image? Total income of Berkshire, or just his portion of it?

[Anonymous No.56610847]

>>56610348
congratulations! Stay the course
i bought quite a bit of arch coal at 40,- and its paying me good now

[Anonymous No.56610885]

Imagine being concerned with dividend investing right now when you could allocate 50+% of your portfolio to crypto trusts (LTCN, BCHG) and 50x or more your money in a year or two, then move it all back to your dividend stocks. It's the difference between working another 2 years or 20 years.

[Anonymous No.56610904]

what's the best way i can earn $1000/mo with the least amount of capital?

[Anonymous No.56610956]

>>56610186
Based Buffet showing how fucking stupid the IRS is

[Anonymous No.56610977]

>>56610904
the best way would be to understand what risk is and go looking for asymmetric returns

or you can send 15k Monero to my wallet address and i will teach you a valuable lesson

[Anonymous No.56611060]

>>56610885
imagine looking at the chart

[Anonymous No.56611669]

>>56610885
Yeah if I was retarded that's what I would do too.

[Anonymous No.56611793]

>>56610885
>crying about people investing in dividends and not random shitcoins
What makes you think we only put our money into dividend stocks? I took a huge amount of profit out of NoiseGPT right before Bitcoin shit the bed again. And what crystal ball told you that putting it in LTCN BCHG would get you a 50x???
>>56610904
Yolo 40k into ARR and pray to god the yield won't drop. I'm not an expert on dividends but from what I know is that higher yield is mostly very high risk and that it is better to stay away from everyting with more than 6% yield. This might sound black pilling, but a divi portfolio paying a 1000/mo in a safe way will be more close to 200k investment.

[Anonymous No.56612015]

>>56610904
I'm pretty new to /biz/ but from the last few weeks I've been here, I'd guess someone is going to try to tell you to buy some sort of crypto currency.

If someone handed me $1000 right now, I'd probably put it in SPYI. It's an out of the money covered call etf that tracks SPY. Recently it was pulling about 12.1% annually.

You get some growth upside with the out of the money calls, coupled with solid income. The fees are a little high, but that's because it's actively managed.

QQQY and JEPY purport to have a 60% return rate, but they've only been out a few months and so far have demonstrated pretty severe capital erosion.

[Anonymous No.56612211]

>>56610186
He doesn't spend much either, right? To my knowledge he basically lives like he's upper middle class. I get the outrage over billionaires buying yachts and mansions and still getting taxed less than us, but if Buffet is just reinvesting his money, why is him not getting taxed a bad thing?

[Anonymous No.56613519]

>>56612211
Because some people can't stand the idea of others having more than them. The truth is that they would be the most kind of millionaires and billionaires if they had the chance, but their situation (largely self inflicted) will prevent them from ever having the opportunity.

The best people are people who care little for money and withhold judgement for the rich outside of what is clearly amoral.

[Anonymous No.56613712]

>>56611793
I don't care what you do with your money, it's not my problem just dropping a hint here but as usual everyone flames me. I will screencap it for later.

[Anonymous No.56613772]

>>56612211
Well, why doesnt he do anything with his money. Whats the point?
Him and especially Munger, sit there and complain how everything turns to shit, but are doing jackshit about it.
At least Musk bought twitter for example
The only people who spend any of their money are Jews. White billioniares are fucking usless and never do anything for their own fucking people

[Anonymous No.56613984]

>>56613772
Buffet has a net worth of ~100B. If he hadn't donated to charity, it would be ~150B.

Yeah, he could give more but that's still a third of his net worth.

[Anonymous No.56614558]

>>56609880
>be buffet
>hurrhurr muh dividends
>brk doesn’t pay dividends
>>in apu voice with head shaking: but he’s a billionaire

[Anonymous No.56614650]

>>56613772
maybe it's all just a game to him and he wants the high score

[Anonymous No.56614712]

>>56610526
that's the cash paid to BRK, the dividends it collects. they don't pay one because $1 in their hands is worth more than $1 within a few months, sometimes within a few weeks. why would it be better in your hands?

[Anonymous No.56614727]

>>56613772
it's all going to the foundation when he dies, and the foundation does in fact do plenty for people. just not ungrateful shut-ins like you

[Anonymous No.56614865]

>>56614727
I don't think its a good move to let this start AFTER you die.
We all know that 99.99% of all charities are a fucking scam of the highest order.
You donate $1 and $.85 goes right into the pockets of the leaders, $.13 goes to costs and $.02 goes to proving they do what they say they do, so shooting videos of starving Africans or whatever.

[Anonymous No.56615093]

>>56614865
Yeah, I think Mr Beast proved African donations are pointless if he can crank out 100 wells in a weekend in the most stable countries. No more save the children for me.

[Anonymous No.56615590]

>hurr durr dividend income
>get taxed as ordinary income (short term gains) no matter how long you hold the asset
>can't offset gains with losses in excess of 3k/year, making tax-loss harvesting effectively useless
>every dividend payment is a taxable event and you can't choose to delay/defer any of them

Couldn't imagine falling for this meme desu

[Anonymous No.56615602]

>>56609880
What are good US good dividend paying stocks to keep an eye at?
Im brazilian and mostly invest in brazilian stocks since some of them pay a lot of dividends but i want to diversify more

[Anonymous No.56616118]

>>56615602
Why would you ever invest in Brazilian stocks?

[Anonymous No.56616953]

What's the threshold at which investing in dividends becomes interesting? I currently have a few thousand dollars, but I estimate that I might only earn around $20 per year. What should I do? What's the right mindset for this situation?

I currently own approximately 8 shares of XOM, 10 shares of NEM, and a few others.

[Anonymous No.56616969]

>>56615093
>make more money from performing and monetizong the philanthropy than the philanthropy costs
It's disgusting on one hand that he's "exploiting them" and disgusting on the other hand that he doesn't even have that much money

[Anonymous No.56617281]

>>56616953
depends on why you're interested in them. If you're hoping to take the dividends and either live off them or just augment your lifestyle, yeah, you need quite a bit more than that. If you're just taking them as one of the indicators of the kind of company you want to invest it (good cashflow, management that prioritizes shareholder returns, etc) then it doesn't matter, invest however much you can invest.

[Anonymous No.56617297]

>>56617281
Yep, that's why I'm asking. First, I want to cover about the regular bills, like subscriptions, and later, explore this living off them idea.

[Anonymous No.56617989]

>>56616953
Initial dollars is fine but if you want a portfolio that pays dividends on a regular basis than I think it is smart to make a plan to reach a certain goal. Can you put in an amount every month and are you willing to reinvest the dividend payments into more dividend stock?

[Anonymous No.56618317]

>>56616118
A lot of 10% or even higher dividen yields besides im brazilian like i said

[Anonymous No.56618358]

>>56609880
SCHD + JEPI here

[Anonymous No.56619182]

>>56609880
A /dig/ I didn’t start. Based. I haven’t been buying this week. Probably will buy some JNJ today. I sold off a portion of my Microsoft yesterday on a whim to lock in some gains. I’m hoping to buy back in within the next week at a lower valuation.

[Anonymous No.56619221]

>>56615590
>making money is bad because you have to pay taxes on it!
>I would much rather look at a vanity number in my portfolio

[Anonymous No.56619301]

>>56610186
He still probably gets millions, if not billions, in stock compensation, which is taxable upon vesting. His total compensation isn’t just $100K, lol.

[Anonymous No.56619579]

>>56619221
Don't feed the troll. He's not convincing, but his autism guarantees he'll shit up the thread until everyone leaves.

Plus qualifies dividends are taxed preferentially, so he's straight up wrong.

[Anonymous No.56619751]

Can I get some /div/ opinions?

> new dividend investor
> already maxed out IRA this year
> Dropping ~1.5k/mo into brokerage
> Brokerage is 90% SCHD and the rest O and some VYM
> Want to spread out from SCHD but not comfortable making individual stock picks, looking for an ETF

I'm thinking either DGRO or DGRW. I like that DGRW has a higher exposure to tech b/c SCHD is really low on tech. But DGRW has a higher expense ratio and, with the exception of this last year, has underperformed DGRO.

DGRO and DGRW have about 50% fund overlap and almost the same overlap with SCHD so I don't see a need to hold both.

My heart days DGRW but my head says DGRO. What do? Any others I should be looking at?

[Anonymous No.56619832]

>>56619751
Just stick with SCHD. If you want dividends and tech exposure I recommend buying Microsoft and Visa

[Anonymous No.56619905]

>>56611793
ARR is interesting but it looks like my principle would get fucking ruined. but still decent returns on a $1000 investment.

>>56612015
JEPY looks and sounds sketchy as fuck. It's clearly playing on JEPI from JP Morgan. I'll have to monitor QQQY. And yes, SPYI has been on my list along with JEPI, JEPQ, BITO and BIZD (although I'm not interested in quarterly divs, monthly only)

[Anonymous No.56619910]

>>56619832
I was considering getting a Financials dividend etf at some point, which would include companies like Visa.

My goal is to get $10k in the brokerage on ETFs before I start looking at individual stocks. That way if I choose some losers, it won't feel like I'm losing my shirt.

Do you not feel a need to expand SCHD? It's a great fund, but there are some things I think it can do better. For example, it's portfolio includes companies like Verizon, which is a yield trap IMHO, and is very weak on tech exposure.

That's a mixed bag, of course - you lose the "bubbliness" of tech, but that also means you lose the tech highs.

What's your thought process behind switching from ETFs to individual stocks?

[Anonymous No.56619953]

>>56619905
I think QQQY is to JEPQ what JEPY is to JEPI.

I think there's too much hype by people blinded by the giant dividends when you can clearly see the monthly capital loss just looking at the graphs.

They're new so maybe that will tone down over the next few months, but right now, I think they're not great investments.

[Anonymous No.56620549]

>>56619905
>ARR is interesting but it looks like my principle would get fucking ruined. but still decent returns on a $1000 investment.
That investment was a bit of a mistake. One part was me looking at the high yield but the other part was me looking at something that has regular payments. I've set some goals for myself and this was bought to fill in the months where I had no payments. Next goal is €365 in quarterly payments and after that it's €100 in actual payments per month. Will keep the ARR for now but my buys for now will be more safer options.

[Anonymous No.56621104]

With fractional investing on the major brokerages, why buy dividend ETF's? You're giving companies part of your dividends in the form of expense ratio fees

[Anonymous No.56621217]

>>56619910
> Do you not feel a need to expand SCHD
In my opinion yes, it has a low expense ratio and a good history of raising dividends. It’s a good bedrock position. I do buy weekly contributions into my Roth and SCHD is my biggest contribution
> What's your thought process behind switching from ETFs to individual stocks?
My favorite part about dividend investing is that it’s easy to find the best performing companies. I don’t sweat any of the individual companies I buy.

[Anonymous No.56621657]

>>56613772
It's actually worse than doing nothing for hos people, Buffet actively donates to degenerate liberal causes

[Anonymous No.56621676]

>>56621104
easy diversification. much easier, for non-US stocks.

[Anonymous No.56622021]

>>56621104
I dont like to manage stocks, need to concentrate on the shitcoin casino to extract as much money as possible to put it later into SCHD

[Anonymous No.56622077]

>>56609880
This guy makes more money then me in a day then I can make in 9 lifetimes…..

[Anonymous No.56622123]

There’s no way Buffett isn’t a demonic freemason. He hordes all that cash and donates some of it to “charities” aka abortion funds and Gates/WEF stuff. All while bragging that the elites don’t pay their fair share of taxes. Fuck him.

[Anonymous No.56622124]

>>56621104
>don't pay taxes when the ETF rebalances, would have to pay taxes to "rebalance" individual stock investment

> etfs with hundreds of stocks (DGRO has like 490) would take FOREVER to mimic

>only mimicking the top 10% or whatever of an etf means you're buying high and missing the upside on the other stocks

>for most Etfs, the management fees aren't terrible

Honestly you probably save more in taxes alone than you pay on management fees if you were to rebalance your knock off etf four times a year.

[Anonymous No.56622145]

>>56613772
Buffet and Munger are scumbag masons. Buffet is an anti-natalist who wants to shrink the population like Gates. Look into what he donates to.

[Anonymous No.56623589]

Dividend investing

[Anonymous No.56624728]

>>56609880
You dividend guys have always fascinated me. It seems like such a simple, stress-free idea. Let's say I have a million dollars. Is it smart to put it into something like VOO for the divvies (which would give me ~15k per year) or should I specifically choose higher-dividend stocks?

[Anonymous No.56624856]

>>56610186
>Buy borrow die
That's the strategy all the mega rich use. You avoid almost all tax in your lifetime and when you die your heirs don't have to pay capital gains which takes a lot of the sting out of inheritance taxes.

[Anonymous No.56625841]

>>56624728
Pick a dividend growth etf like SCHD, DGRW, DGRO, etc.

They rebalance for you and will have a higher starting divvy rate than VOO. Schd is something like 3.5% right now, DGRW and DGRO are a little less.

You'll get consistent dividend growth, increasing your annual payout whole your principle also grows.

[Anonymous No.56625883]

>>56610147
Yes.

Keep in mind PBR.A is the real play

[Anonymous No.56627352]

Dividends

[Anonymous No.56627454]

>>56614727
ok boomer

[Anonymous No.56627774]

>>56615590
>get taxed as ordinary income (short term gains) no matter how long you hold the asset
Never heard of qualified dividends, have you? It's an OP link.

[Anonymous No.56627923]

>>56610147
PBR.A and EC buyer reporting in.

[Anonymous No.56628430]

I just bought 38k of AIRC this week. Any thoughts?

[Anonymous No.56628532]

>>56628430
What did you find attractive about them vs. other reits?

[Anonymous No.56628662]

>>56627352
based
>>56624728
>>56625841
Would it not be better to split it up a bit?
Pic related is what I would do. First option is 200k each, second option is 600k into SCHD and 100k in the rest. First options means I retire and second option means I work a few years more to reinvest the yield and then retire.

[Anonymous No.56629742]

>>56628662
dividends

[Anonymous No.56629958]

I trimmed my Microsoft position but it just keeps going up. I had a mental breakdown yesterday and bought 2 week out MSFT puts. Only put $500 at risk but idk why I even did that

[Anonymous No.56630674]

Is the potential of 8% dividend really worth putting money into the stock market that could easily crash vs putting money into a CD or money market savings account for 4-6%? I started another thread asking for safe 7-12% and realizing it doesn't really exist

[Anonymous No.56630687]

>>56629958
lmao tell me about it, had Microsoft in the early 2010's, did nothing but money printer absolutely sent it flying after I started selling it

[Anonymous No.56630701]

>>56624728
>>56625841
>>56628662
One black swan and you are wiped out though

[Anonymous No.56630836]

Has dividend payouts outopaced treasuries now? I know a lot of them were still paying rates comparable to ZIRP. If im going to take on dividend/stock risk they need to be paying more than a10 year treasuries.

Buffets been doing t bill and chill as well and i think hes going to get $6-8 billion a year from t bills. I want dividend rates to come up or ill wait for ZIRP again before i buy divies.

[Anonymous No.56630870]

is altria solid? i bought them just before the last dump but i was unfazed because i was thinking it would pay off in dividends alone the next 10 years.
but then again, there are a bunch of shills saying that people are going to stop smoke smoking cigars in the future, although i think it would not be in the government's best interest to lose out on that revenue

[Anonymous No.56630915]

>>56613772
he invests money allowing companies to grow. supposedly donated shitloads of money and will give out fortunes to random institutions. you would have to be born 1 million times to do 1/10 of what he did

[Anonymous No.56632713]

>>56628662
Personally, I'd go the route that has yo waiting a couple years. I think it's wise to build up a little excess capital just in case things go sideways. YMMV.

[Anonymous No.56633141]

>>56630674
All stocks are highly volatile assets, their 52 week low price is often only half of their 52 week high. Year on year the highs and lows can fluctuate 30% or more, and corrections can drop an entire index 10, 30, or even 50%.

Dividend stocks or ETFs can reduce that volatility but they can't eliminate it because they're fundamentally still a long only portfolio composition. So with that kind of portfolio you can only put in the money you know you won't need for at least a couple years because it's going to go up and down and bounce all around.

>>56630870
I don't hold Altria but I think the decline of smoking is probably overstated. King James VI wrote an anti-smoking pamphlet 400 years ago so bad PR is nothing new. Modern regulation is stronger but it's only really started taking effect in western countries a couple decades ago. Existing customers are probably already hooked for life and then you have to consider their investments into weed, vapes, and the developing world too.

I'd always look into the fundamentals before investing in a buy and hold type position but the narrative doesn't seem obviously bad from a financial perspective.

[Anonymous No.56633317]

>>56616953
Look at a DRIP calculator. The point where it gets interesting to me is when the amount of dividends you receive starts to surpass the amount of new money you are putting it (7 more years for me).

So far I have been doing this for 5 years and have amassed about $22,000 in shares paying me about $1500 per year in dividends.

This calculator is using conservative estimates and does not even account for the 2% discount I get buying shares through the DRIP or the increased amount I will contribute each year as my salary increases. In 24 years (when I am 54), the amount of tax free dividends I receive will surpass my current Gross salary. By retirement age, I will be making $200,000/yr in dividends.

[Anonymous No.56633594]

What's the consensus on VIG?
Should it be avoided?