36 yrs old looking to retire about 55.my strategy will be as follows 40%-etfs 40%-bull stocks -tech,industrial,materials,real estate,discretionary 20% bear stocks -healthcare,communication,staples, utilities,energy
I fully retired at 59. I put 2 kids through college and paid off my house when I was 45. I’m 68 & waiting until 70 to collect my SS. My dividends & small pension is easily supporting my wife and me. I started investing in the late 1980’s with basically nothing. It will take time & patience to be financially free. Btw, I was in retail business that paid just an average wage. So it can be done.
I'm 32 years old right now. I'm never planning to fully retire, just shift what I'm doing to something I'm more passionate about. If I could get to the point where I'm bringing in roughly $6-800 a month in dividends then I'll be more than set.
Hoping to retire at 60. My kids will be 25 and 22. If I feel good enough to keep working, I will. Any year past 60 the dividend snowball will be a huge jump in dividend income.
Absolutely, that's awesome Victor. That's the great thing about dividend investing - the longer you delay taking the dividends, the more than snowball can keep rolling and growing
Hell yea great goals I just opened up a custodial roth ira for my 2 kids there both 9 but I plan on being done working in 18-20 years from now I'm 38 lol so when I'm done working and they are 25 they'll be able to vacation with me from their dividend income 😂🎉.
Problem is that once you hit 60K in 20 years, everything will be up an average 100% because of inflation, so you'"ll need 120K to live good like today.
Great content! I use ARCC to help bump up my other investments. Solid BDC that went through both 2009 and 2020 and still slightly increased its stock value.
I have a mix of growth and high yield but even my high yield positions are pretty safe I would say. Arcc, Main, Abr and Jepi are just a few I own but my biggest position is schd. Gotta keep those dividends growing.
Interesting video! $60,000/year in dividends is a solid amount to have in retirement imo. Doesn’t sound like a whole lot but you aren’t aggressively saving money anymore so the dividends are for expenses and experiences. $100-$200 dollars is a reasonable amount for one to contribute into their investment portfolio on a weekly basis however 20-35 years is still a ways away lol. If you have a partner, the key here is to get them on this journey with you! In my case, obviously my partner isn’t as interested in this stuff as I am lol however she contributes a solid amount each paycheck into dividend paying stocks/ETFs!
I have my wife investing $2k a month in a tax sheltered account. She has a good job but doesn't know much about investing. That responsibility she leaves up to me.
I started investing in dividend stock middle of last year. It didn’t take too long for me to start seeing $15-$25 per month, which was very exciting! I made sure to diversify between good names like: Johnson & Johnson, Reality income, apple, Verizon, Ford, VYM, SPY 500 among others..
Man that’s such a solid strategy, great job. Like you said, if you’re consistent, it doesn’t take as long as one might think to start bringing in $15-$25 per month. And then it gets even faster from there
Although this video is very optimistic about the returns for JEPI, you could retire earlier with SCHD. Even though JEPIs current yield is higher, the total return for SCHD is greater, so you could sell 1-2% shares from SCHD to get that withdrawal rate, while your money still grows.
True. Growth than preseveration. But someone who is 30/40 isn't someone who is 60/70 needing perhaps more steady income cash flow. I have my Roth in growth mode (VUG) but in 20-30 years will sell some off to create a greater tax free dividend cash flow.
I like that you stress diversification and growing your dividends safely. The allure of fast retirement leads many people to being obsessed with unsustainable dividends. I focus on growth first -- Texas Instruments is actually one of my favorite stocks, and my wife just opened a nice position in Home Depot 🏠
Thanks Duke, that was all very well said. At a certain point, too, the dividend growth will outpace the higher yields. I should’ve shown more of that in this video
@@rynewilliams my wife recently had a family friend recommend a reit called Equity Residential (EQR). There's not a lot of recent information on RU-vid about it. Do you have any thoughts?
Looks like an interesting one…they have some cool apartment buildings. The dividend yield is a bit below the average for the sector it looks like. What do you think about it?
@@rynewilliams I am thinking Realty Income has a 4 1/2% yield. And Medical Properties Trust pays 9.5% -- and is dramatically down for the last 52 weeks.
Always a solid video, my brother! Living off dividends is one heck of task, but certainly can be done. While I will not be fully living off dividends, apart of the journey means living in a cost efficient location like Jason Fieber did and I will soon be doing, onward to Bali, let's goooo!
Hey man! I'm doing my research and trying to get started into dividend investing in a separate brokerage account from my Roth IRA for retirement. The thing I'm getting stuck on the most is how to determine positon size in each stock? How did you/do you determine your position size for a given stock? I don't want to just arbitrarily allocate a percentage or dollar amount to stock or sector.
I want to retire at 55 I’m very hopeful that I can reach that goal. Right now I’m grinding out two job’s a Full-time that’s pay’s a decent wage and part-time that pays minimum wages. Focusing on paying off my debts and all my wife’s debts. While properly investing long-term. I love the DD you do for us while we should always do our on DD but you make this journey that much easier and exciting so I truly appreciate the content you provide for us my brother. Just giving your flowers and saying Thank you!
Man thank you so much for the kind words. I’m proud of you for grinding so hard to get yourself in a good situation financially. It’ll pay off - literally. Keep it up!
I was in the similar situation decades ago. Keep investing & learning. Nowadays there is so much videos on investing and no commission fees on trading. 40 yrs ago, I didn’t have much information besides reading the latest reports at the library. I was paying about $35 for every trade I made, thus I always bought shares of 100 to offset the cost. Good luck.
AMT, CCOI, and NEP all raise dividends QUARETLY! So if you want guaranteed dividend growth, invest in these 3 and no matter what ur next dividend payment will be more than the last:)
Hmm... interesting take. I would argue that dividend focused strategies are king during the withdrawal phase but total returns are king during the accumulation phase. Thus, the optimal strategy would be to focus on maximizing your portfolio CAGR and not on dividends while you're building up your nest egg and then pivot into a dividend focused strategy once you actually start to live off it.
Yea that makes sense. Interestingly enough JEPI and SCHD have seen a similar total return these last few years. I’d think over a longer period of time SCHD would bring a higher total return though
@@rynewilliams Well, it's more that out of the 100 best performing stocks on a total return basis over the last 5Y, only 11 pay a div and their average yield is 1.37%. The top 10 best performing div paying stocks over the last 5Y returned an average of 554.19% over that time period while the 10 best non-div paying stocks returned an average of 4,598.60% over the same 5Y. There's nothing wrong with dividends, ofc, but usually they appear when a company has already experienced a lot of strong growth and is running out of ways to deploy capital effectively. They're often a sign of maturity in a business and that comes with a lot of perks like lower volatility, benefits of scale, share of mind, etc. but it has disadvantages, too, like having shorter and less explosive growth runways. This is why I'm dividend agnostic; they don't bother me but I don't seek them out, either. All I care about while building wealth is which businesses can compound my net worth the fastest. Once I'm retired, I'll need the liquidity and stability of a more top-heavy portfolio anchored into div paying blue chips, but that's the end game for me, not the plan right now.
A lot of viewers may think “100 a week or more?! that’s not possible for me” and they maybe right. However, the thing with dividend investing is it takes time and with time your own circumstances can change. So that 100 a week is now doable then a little while later 150, then 200 then more maybe. It’s easy to be downhearted but just keep going. Great content as always
It’s true but a lot of people choose to live outside their means. I work with people who get Starbucks every day at7$ a coffee that’s over 2000$ a year just from coffee.. not to mention how many people have to have the best phone on the market every year which comes with 100$ phone bill a month vs getting a used and 30$ a month bill just small things add up that right there those 2 things would save a person 10$ a day over 3650 a year..
With historical inflation and potential rapid inflation incoming; 23 years from now, $60k a year will be garbage income. Of course it’s Better than not investing at all but this fact is so discouraging.
Lol 60k of you physically having to work for will be garbage but 60k that doesn't require you to work a 9-5 is completely different especially when it increases year after year because of your investments. I'd rather not work the 1,153.84 hours a year for that 60k if I can invest and wake up to the 60k.
I’m always of the opinion of invest in growth stocks as you build your portfolio, then once you hot retirement, invest that money into stable and consistent dividend stocks for the income.
I'd be interested in your thoughts on adding growth ETFs such as VOO to a heavily one-sided dividend portfolio. While the dividend is much lower, growth ETFs do seem to have a tendency to have larger returns over the long run even with DRIP
@@rynewilliams Glad to hear it, from one RU-vidr to another, thank you for the content you provide for myself as well as others to enjoy and learn from.
I semi retired at 54 ( 8 years ago ) I work between 0 and 3 days a week. I was a single Dad raised my 3 sons ( no jokes plz ). I found the fastest way was to totally eliminate all debt. I have no mortgage no car payments no credit card ect. I live in central Fla my re taxes on a 2 br house are less than $400 a year so living is cheap. I see to many people saying they need a Million to retire thats bs curb you're spending first ! As I get older time and peace are the most important things to me.
Which is better five dollars a day in the stock market or monthly looks like five dollars a day is more expensive than a one time lump sum purchase once a month. What do you guys think?
Whatever you feel you're comfortable and capable with. Make sure you only invest in what you can afford to lose though. There are some Reits/Stocks that you can buy for 5 dollars to help start getting some dividend payments rolling in.
@@rynewilliams I’m investing in SCHD vti dvy I have $260a month to invest. I want to do the five dollars a day on the three just don’t want to exceed 260a month. I want to break that down if I wanna do it daily at five dollars invested on the three ETFs I plan to continuously invest into these three ETS until year, 2032 when I retire $260 a month I want to do five dollars a day on the three ETFs but I don’t know how to do the breakdown on the math
Like to get Input on my start pack of stocks for my core holdings Vti(broad market) Schd(growth+yield) Vym(high yield) Vnq(real estate) Bnd(bonds) Any thoughts gals n gents Weight in each would total 40%(8% in each)
I am 50 years old, so the 30 year plan is not ideal. (late start getting into stocks). I do max out 403b contribution every year. Cannot to ROTH due to income restrictions. 150k in TBills right now. Ready to do this thing. Any specific input for an over the hill beginner with only 15 years til retirement? (Luckily I love my job)
You'll be able to do a lot of great compounding in 15 years, especially with $150k already in Tbills. If you're just getting started with stocks, I would recommend looking into ETFs. Those are a great way to get some exposure to a diversified batch of stocks
@@rynewilliams Thanks for quick reply! I have been watching a lot of "Professor G's" videos about ETFs. I also can't believe how much there is to read about. So many variables to research. Part of the "game", I guess. :)
New subscriber here! What broker do you use? I’m currently using vanguard but I don’t like how I can’t buy shares based on dollars vs total shares. Would love to hear what you use!
There are multiple equities with high yield like JEPI, JEPQ, etc. To reduce risk, what if we held like 4 or 5 of these and those 5 represent something like 40-50% total investments? The thinking is that if 50% of holding are pumping in highest yield possible, that grows us faster, but if just one tanks, that's more like 10% by itself and shouldn't hurt too bad. The more long term stable dividend stocks make up 50% or more for stability. Any problem with that thinking?
Gosh, I was only looking for about $15,000 per year in dividends, lol! I expect to work about 2 days per week in retirement, added to a small 401k , ss, plus what my husband provides
Hello, I love your chanel but im from europe and i cant invest in some of the etf and stocks that you talk about, you know some youtuber that make solid videos like yourself in europe?
I like that calculator but I’ve put $15k already into a dividend but I don’t want to contribute anymore money annually so how can I work out on that calculator my results ?
I'm almost 42 and I'd like to say 55 but who knows if that's realistic haha. More hoping to maybe be able to quit the 40+ hours a week and find something fun a few days a week.
I'm in a unique position because I have a pensionable job with a tax deferred investment account. I'll be fully retired at age 56 and can immediately withdraw money from my tax deferred account if I choose to do so. When I turn 62, I'll collect Social Security. To me, it makes no sense to wait to collect because your life expectancy isn't a guaranteed thing. Anyway, I started a TD Ameritrade acct a few years ago to play around with stocks. My idea now is to have that account supplement Social Security when I start collecting it. I'm thinking I'll realistically need a $325k portfolio in order to collect $1000 - $1200 a month in dividends. I'm not far from that goal.
Hey Ryne, the tracker got accidentally got deleted and I got unsubscribe from the news letters. I tried downloading the new version of the spreadsheet but nothing in my email.
Eventually hopefully by age 45-46, I can go heavy SCJD/Jepi/Divo combo and that should help me have a good mix of growth and income. That's later down the road, for now I'm building that SCHD position like something fierce. Surprised you don't hold it in yours.
It’s not so much hoping to live off the dividends, I see how unhappy 90% of people 55+ are working and I know I don’t want that to be me. I’m looking for that snowball so that at 55 if I don’t feel like doing the same job anymore I just don’t.. maybe I quit and do skip the dishes or something for 4 hours a day. That’s what I want out of all of this but I plan to retire at 65, because I do like working.
I have a small taxable account. But mainly focus on Roth. Once I get that built up to where I want it and kids are all grown up, I will start work on my taxable account.
@Ryne Williams so a quick questions can you do the same type of video except with the stipulations of the roth IRA if maxed out every year? If possible thank you.
