Can Investing In Dividends Pay For Your Retirement? | Money Mind | Investment 

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?

As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make over $400k like some people are this season.

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.,,

Really enjoyed this video. I'm considering your advice, because thousands of dollars have been disappearing from my 401k due to soaring inflation, and my concern is where to safeguard and grow remaining cash about $500k+ for the next 2-3 years at no risk. I'd love to retire early and afford a life after retirement.

I leant that Dividend paying companies are typically not going to grow in stock price as much and the overall market. But they do tend to be stable mature companies. I want to invest around 600K for retirement, is this good strategy?

I’m 55 from southeastern Ohio but worked overseas all my life. I have savings of $1,000,000 and I'm ready for retirement, only concerned about the soaring inflation. Is this enough to retire comfortably, or do I need some sort of money management?

I'm disabled and eager to work, but doctors won't allow it. I inherited $200,000, held by my sister in a bank. It's not earning interest, which seems unfair. I want to explore options for it- (stock market investing).

An insightful coverage on some key benefits of dividend investing (e.g. dividends are tax-exempted) and considerations to take note of before jumping right into a stock (e.g yield trap). Dividend investing is certainly not a get-rich-quick scheme that makes you a fortune overnight. Consistency in managing the portfolio, discipline in picking only the fundamentally sound companies to invest and putting in the hard work to learn how to buy good companies at good prices will take us further in this journey towards financial independence and eventually retire early.

I suffered delisting, rights issue, stock split, depreciating capital and dividends on some solid blue chip dividend paying shares. After doing some homework for comparison, i realised that if i took a slower and steadier approach to investment such as putting in fixed deposit, i will actually earn more over the long term....less stress and less risk

I am currently in my 50s and This is no time to taper retirement savings. I want to max out my retirement contributions and I also have another $120k in a savings account that i want to invest in a non-retirement account. Where would you invest this as of now?

Assuming you have 7fig then it makes sense for a dividend play. Low 6figs and below should concentrate on growth.

He has to take into account huge capital depreciation like right now in order to get a true picture. Now all the Reits are hammered really really bad. All dividends collected over 15 years can be wiped out by the capital depreciation.

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!

Dividend investing looks for mature and stable businesses that can consistently generate high free cash flows and pay regular stable or even growing dividends to their shareholders. You want to buy them when their fcf yield is high and dividend yield is high with moderate payout rate. The risk is buying into troubled businesses either because they plague with internal problems or they in a terminal declining sector.

The problem with dividend stocks is the very very high and real risk of capital DEPRECIATION

It's interesting that this video is produced when SG-reits are hitting 52-week lows. It's best if investor follow the dividend irrelevance theory, treating dividends and capital gains equally.

Well, if you have 2.2m, even FD can support a modest living

The only sale that people run out of the stores is a stock market sale. Also is called Di-vi-dend, not Der-vi-dend as mentioned by Christopher at 5:34

getting div. is best after you stop working. I did buy stock for growth for years., but for retirement I changed to div. stocks. You need to have a good pile of cash set up and to be safe several div paying stocks with good historys. So you do this, collect div., BUT make sure to only spend div. money, or idealy like 65 % at most ,take left over buy more stock, to combat inflation. big there is always risk though., myself I had several thousand shares in ATT, and looked what happened, div. cut., and price crash.good thing I had lot of other stocks.

best investment is property rent out.fixed passive income every month.

thanks for sharing... i dont think he is very diversified and this can create risk. i retired at 42 (ex Singapore PR - Asia is still home) and hold a more balanced portfolio including SG / US / Eur / Aus (mainly index related ETFS etc) plus rental property. I also hold emergency cash for about 10 years. If the market sh1ts itself i can ride the storm and/or sell out some of the less burnt part of my portfolio. A company paying about 3% dividends is kinda the sweet spot for ok dividend reliability/growth and capital growth. But maybe if he bought his dividend stocks in his late 20s then the dividend back then may have been around 3% and now 6%. SG stocks do tend to pay a higher dividend than other countries but the growth is kinda flat/negative. compare ETF ES3 to ETF VOO for some historical perspective. but the main thing is you have a portfolio that works for you and you are comfortable with the ups and downs it may present. agree on the minimal spending stuff though - brand buying etc adds no value other than to ones ego. note there is 30% withholding tax on U.S dividends if your broker account is Singapore registered.

My stocks are boring. I buy stocks that I normally buy or see ppl buy. He is right that you have to look at financial statements during earning release. Most ppl can invest SP500 etf or SCHD for dividend purposes. It takes a lot emotional discipline during down year. If the company has strong fundamentals like MSFT or AAPL and it went down 25%, you buy more shares at cheap discount. But you have read the balance sheet and gather info.

I just need additional $500 per month as passive income. How to achieve?

Power of CD!💪

I'm glad I got into crypto when I did because it’s been a turning point for me financially, been my best decision so far.

sedan chair doesn't come to mind when rights issues are called for...

Your content is awe--inspiring! -- "Success is a continuous journey, not a fixed destination.."

He probably has to save half of that 6% to account for inflation for capital preservation

I'm nearing retirement in three years, and despite having solid companies in my portfolio, my profits have stagnated in this uncertain market. Are there any calculated profit opportunities in this recession?

His yield whatever you choose to call it is 6%.. Unless he is single and with current inflationary rate it would not be enough. HDB rental yield already is over 10% leh! Some as much as 16% depending what type of HDB and when you brought it.😆😆😆😆

48yo - 2023, 2013 retired at 39yo with 5000sgd per month dividends.. 80%, of it, 40% reits, abt 40% stocks. So at 39yo, his portfolio about 1million with 6% yearly at 5000 a month. He started at 25yo. Assuming year 2000, his pay was at 3k, after everything he save 1.5k, give him yearly he save est. 20k.. 14years, he probably save less than 400k. Where he got the extra 500-600k for his portfolio of about 1million at 39yo? Probably he sold his cheap hdb, made a killing through asset appreciation. Something young people cant do nowadays lolololol Anyway, back in 2010s, if he use his supposedly 800k - 1m to buy properties, he probably earn more than his dividends 😂😂😂

has inflation ever get past above dividend yield? if no, then dividend investing works. just have to live off whats left to dividend after deduction of inflation

Read Ben Felix, dividend irrelevance

Rental income is probably a better bet with rising inflation over a long period.

It will take discipline to maintain this

All this great and all, but most of these stocks usually don't grow at all.

Dividend is not consistent all the time. Risk involve. He didn't mention the bad times when stock markets didn't do well.

It's easy to achieve especially if you choose not to have children.

Thank you so much for such useful insights.

A balanced life is the key as your senses dull as you age. Christoper Ng made a lot of sacrifices during his youth so he can retired early. But he missed out the great times and vacations when he was young. Now he can afford it but he is older. It won’t be the same.

90% of traders in the stock market lose their money.Not everyone who invests base on fundamental gain more than 5 %.Sad to say .The market is not a level playing field.

1 side story, but didn’t mentioned another side of story 😂

$5000 a mth only and retired? Very brave. $120-130k per year today? Just nice for basic living if you hv a family. Good to have simple life and contentment.

Hes not making money. IT comes out of the price of the stock and you have to pay taxes on that 120k every year on top of that. So if you look at his overall money its going down every year. And sometimes these companies cut their dividends and he loses a lot on capital gains. This is all nonsense.

If the portfolio is 2.2 million and if his yield is 6%, it will generate $132K annual income which translates to $11K per month. So why did the presenter say $5K/month? Money Mind?

He retired on his 39!

Dividend reliance for income equates sitting duck. You can hv duck eggs as long as the duck is alive n kicking!

wow very impressive $2.2M portfolio. My jaw literally drop

"Can Investing in Dividends Pay for Your Retirement?" Yes, obviously it can. Lots of people live exclusively from dividends. But obviously you need to have enough dividends, and that's up to you.

In my opinion, 6% dividends is not enough when you are still young because inflation will catch up to you.

Sana all can retired at the age of 39 😢

I am a rather down to earth, well people may say old fashioned. Bit i believe that no one is going to give free monies into our pockets easy.

Why didn't all of us think like him? He appears to be an ordinary guy. Some of us should be smarter than him.

I thought i saw heng swee kiat

All investment advices are horsecrap anyway, there is a reason why the disclaimer sentences exist.

Must at least beat inflation rate and not catch the stock price at a high or you’ll need serious patience.

nowadays everyone fomo to do dividend investing, then 5-10 years later they wake up that their wealth never grow at all due to inflation lol

Invest a big sum of money just to earn a small percent if money. How is this even a good strategy? Stop lying to people

what if share market crashed.. ??

Look at the son, maybe treated like a dividend too

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Dividend is left pocket in right pocket out. The price of the stock drops the same as what you gain in dividend. So he's wrong to say his portfolio "generates" dividends. More like "transferring"

Don't be greedy

This guy seems quite dubious. I retired last year @ age 36, and have just over a million in my portfolio. But I would never agree to appear on TV like this fellow. And his 6% dividend yield is extremely high, when you consider that STI has a dividend yield of 3+%

120k for 2 mil in stocks? Wtf is this bs 😂😂 go to bed

SGX is dinosaur market kekekeke

There are profit making decent companies, eg. ST Eng, which can pay out from profits, not Hyflux 😂🤣😂….. dont be tricked, many people were….😅😅😎

But to finally see just how deviously complicit he has actually been as a PAP minister all these years, I wonder how on earth he can, if elected as the president, rebuke any of his former PAP cadres when his hands are as stained as theirs.

After 50 years of rule - uninterrupted - the PAP has failed to develop sustainable (population growth, education and economic development) policies that will enable locals to drive our economy, that is, creating jobs and attracting investments, with foreigners playing a complementary role. Instead, the situation has been turned on it head. Foreigners are now the main force behind our economy and Singaporeans are playing the supporting role. Lees’ words, not mine. Dr Chee Soon Juan

So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?