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This Is How Long It Takes To Build A $100K Dividend Portfolio ⏳ 

Ryne Williams
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Building a $100k dividend portfolio is one of the toughest dividend investing milestones, which begs a couple of questions: Why is the first $100k so difficult to get to, and how long does it take to get there? We’ll try to answer both of those questions in this video, and we'll approach it from the viewpoint of a brand new dividend investor.
The ideas and opinions presented in this video are meant for informational and entertainment purposes only, are not intended to serve as a recommendation to buy or sell any security in any account, and are not an offer or sale of a security. They are also not research reports and are not intended to serve as the basis for any investment decision.

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21 авг 2024

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Комментарии : 130   
@rynewilliams
@rynewilliams 2 месяца назад
Check out Skwad for free with a 15-day trial, and take 15% off of your subscription by using code "RYNE15" ► skwad.app/?This-Is-How-Long-It-Takes-To-Build-A-100k-Dividend-Portfolio
@pbrdoug4962
@pbrdoug4962 2 месяца назад
“The first $100,000 is a b****, but you gotta do it.” Charlie Munger
@rynewilliams
@rynewilliams 2 месяца назад
Absolutely 👏
@vestedinterest5655
@vestedinterest5655 2 месяца назад
I know a lot of people focus on the total amount of their portfolio, but higher capital appreciation actually hurts a dividend growth portfolio. lower capital appreciation is a better goal for dividend growth.
@rynewilliams
@rynewilliams 2 месяца назад
That's true...if you want to prioritize the cash-flow, then less appreciation helps your cause
@zhangguo8762
@zhangguo8762 2 месяца назад
Assuming you're investing at the same rate, $100k is 33% of the way to 1 million while $300k is the halfway point in term of timeframe.
@rynewilliams
@rynewilliams 2 месяца назад
And that’s the magic of compound interest right there!
@suzukiman8964
@suzukiman8964 2 месяца назад
That's true it is really depends on how much you deposit, and what you start your account with; I started my account with 25k and a $1500 ever month, it took me 2 to 3 and a half years to hit six figures, once I left Lowes I rolled my 401k over it was 29k with my six figure stock I went up to 120k
@rynewilliams
@rynewilliams 2 месяца назад
You're crushing it man!
@Constitution1789
@Constitution1789 2 месяца назад
Kudos to you. I can't wait to hear about your portfolio two years from now.
@rynewilliams
@rynewilliams 2 месяца назад
Thank you my friend! Hopefully we'll be at six-figures by then
@Millennial-Investor1914
@Millennial-Investor1914 2 месяца назад
I'm not going to lie, the Journey is fun to the Road to 100,000, 100k! But man its tough!!!!! It does takes time and a lot of intentional effort. I cant wait till my portfolio hit 100K
@rynewilliams
@rynewilliams 2 месяца назад
Man it's really tough, but we'll get there eventually! Just gotta keep climbing. Thanks for watching man 🙌
@NolanGouveia
@NolanGouveia 2 месяца назад
Love this bro. You are well on your way to that elusive first $100k 🎉
@rynewilliams
@rynewilliams 2 месяца назад
Man thank you! Hopefully we can get there sometime next year...we'll see what happens
@captnawty7966
@captnawty7966 2 месяца назад
$100K is a lot of money to save up while trying to live these days. As a new investor, I have tried to live first, save second, and invest third while being responsible to the first two. Now, I am trying to catch up on the third. Great video.
@rynewilliams
@rynewilliams 2 месяца назад
Thank you my friend! Just keep climbing
@captnawty7966
@captnawty7966 2 месяца назад
@@rynewilliams Your my "Go To" guy for awesome advice on how to build a better finical future. Wish you the very best my friend.
@Jayvazquez15
@Jayvazquez15 2 месяца назад
My Dividend Portfolio is at $13k now which I’m excited about!!! Can’t wait to hit $100k and working hard on it but will work extra hard on it after I finish paying off the car loan…
@rynewilliams
@rynewilliams 2 месяца назад
Heck yea, great job man! It'll feel good to have that car paid off...smart move getting that done
@nicksmith8141
@nicksmith8141 2 месяца назад
Doing nice work! This will really help people see the pathway. It took me 8 years to hit my 1st 100k with most of my money in a mediocre 401k. After I left that job and invested it myself is when the ball really got rolling.
@rynewilliams
@rynewilliams 2 месяца назад
Thanks Nick, great job to you as well!
@loakland2773
@loakland2773 2 месяца назад
Great video Ryne. Always quality from you. You’re a great mentor to many. I’m happily past the $100k but I’m an old soul but growth is amazing once you get the big snowball growing. Get as much cash as you can to keep shoveling it in. It’ll really make a difference. Be well.
@rynewilliams
@rynewilliams 2 месяца назад
Thanks Lance, you're the best. I hope you have a great day
@JulioPalacios1
@JulioPalacios1 2 месяца назад
Hey Ryan I don’t know if you remember me. But I had a portfolio value of 8.6k (18yrs). You rated my portfolio in one of your videos. Since then I have sold a good portion of my positions and have bought options calls. As of now I have roughly doubled my portfolio. I’m gonna be cautious and not use all money to buy calls/puts. My strategy is gain money and then buy/create my portfolio. That’s the quickest way I’m possibly going to be able to get to $100,000 mark.
@rynewilliams
@rynewilliams 2 месяца назад
Julio of course I remember man! Congratulations on doubling your portfolio -- that's awesome! Keep up the great work
@Duke_of_Prunes
@Duke_of_Prunes 2 месяца назад
Great video, as always, and interesting subject. My online account will be 3 years old in July, and is currently at $55,136. Growth has played a big factor in my portfolio for 2024, and staying in large cap companies with high trade volume.
@rynewilliams
@rynewilliams 2 месяца назад
Wow nice Duke, you've made some killer strides in 3 years
@thomashuang8401
@thomashuang8401 2 месяца назад
191k within a few more months than 3 years, I realize it could take longer for most but once you reach that 100k mark magic does start to really happen
@rynewilliams
@rynewilliams 2 месяца назад
Wow that's good to know, great job!
@QuantCompounding
@QuantCompounding 2 месяца назад
Really enjoyed the vid Ryne. First $100k is a grind but you’ve gotta do it!
@rynewilliams
@rynewilliams 2 месяца назад
Absolutely, thank you my friend!
@NickFrogameni
@NickFrogameni 2 месяца назад
Your first $100k is the $100k you should see the least. Set up an automatic investment fund day 1 you enter the “real world”, and then focus on getting REALLY good at something valuable for the next 5-10 years. Then, come back and say “hi” to your portfolio, and look at how it’s grown. That’s when investing starts to get fun :)
@rynewilliams
@rynewilliams 2 месяца назад
That's a good way to look at it, thanks for adding that!
@formerlyknownashammerofthegods
@formerlyknownashammerofthegods 2 месяца назад
Ten months in, 17,600 in my portfolio and close to 1100 in yearly dividends.
@rynewilliams
@rynewilliams 2 месяца назад
Great job!
@dbcooper8676
@dbcooper8676 2 месяца назад
I'm just over halfway there, bought some more vici this week 👍
@rynewilliams
@rynewilliams 2 месяца назад
Heck yea!
@TheYaq
@TheYaq Месяц назад
it's not a sprint it's a marathon
@DarthVader1899
@DarthVader1899 2 месяца назад
Took me about 9 years in my current 401k. Took a loan to buy a house so that slowed it down but I got into the house before everything went crazy so that's a plus
@rynewilliams
@rynewilliams 2 месяца назад
That’s definitely a plus, way to go!
@bcriz
@bcriz Месяц назад
I think SCHD & SPLG would be a better combo than VOO since SPLG is a cheaper stock and has lower expense ratio
@TortoiseInvesting
@TortoiseInvesting 2 месяца назад
Staying consistent with your contributions, taking advantage of red and down trends (bear markets) will also help a lot. If you're DCAing into some ETFS, stocks, but you're able to amp up those contributions when things are down/bear market/red, I could see folks shaving years off especially over the long term. Never a bad idea to have money on the sideline waiting for when things do eventually go south. Great stuff man!!
@rynewilliams
@rynewilliams 2 месяца назад
Absolutely, very well said man 👏
@devonharvey9757
@devonharvey9757 2 месяца назад
I've been waiting for this video 💪 Found you last year and you've helped a lot over my journey. I originally copied you and have really adjusted since. Thank you for everything you do here!
@rynewilliams
@rynewilliams 2 месяца назад
Thank YOU for all of the support, it means a lot!
@DarrenJacksonFH
@DarrenJacksonFH 2 месяца назад
This is awesome man! I've looked a lot into the significance of the $100k mark, especially with how dramatic the growth becomes afterwards. Keep it going! I'm sure it'll get fun from there lol.
@rynewilliams
@rynewilliams 2 месяца назад
Thank you man! It's already fun, but it'll be even better after that first six-figure mark. We'll both get there eventually!
@DarrenJacksonFH
@DarrenJacksonFH 2 месяца назад
@@rynewilliams Most definitely!🙏🏾
@arigutman
@arigutman 2 месяца назад
A great video, Ryne, I can attest the $100K mark makes a tremendous difference...
@rynewilliams
@rynewilliams 2 месяца назад
Thanks dude! I hope to get there sooner rather than later 😅🤞
@nilsfranz123
@nilsfranz123 2 месяца назад
Comment for the algorithm, love ur videos 🎉
@rynewilliams
@rynewilliams 2 месяца назад
Thank you so much! I hope you enjoy this one 👏
@glennshoemake4200
@glennshoemake4200 2 месяца назад
Anyone else here holding AVGO? With the 10 for 1 split announced it should make it more available for investors who don't buy fractional shares. It took me about 3.5 years to get to 100k, but i also cut my eating out expenses and converted vacations to day trips.
@Mo_Money_msm
@Mo_Money_msm 2 месяца назад
Quality video as always Ryne 👊🏻
@rynewilliams
@rynewilliams 2 месяца назад
Thanks man! I appreciate you tuning in
@KnightsOffical
@KnightsOffical 2 месяца назад
100k portfolio on the way, 100k subs on the way, keep it up, happy to be a part of it from long time ago !!
@rynewilliams
@rynewilliams 2 месяца назад
I sure hope so. Thank you for all of the support my friend - it means a lot!
@hybridmoze2279
@hybridmoze2279 2 месяца назад
Great vid, as a starter 53% of my Portfolio is in SCHD
@rynewilliams
@rynewilliams 2 месяца назад
That’s awesome! What’s the rest of your portfolio look like?
@hybridmoze2279
@hybridmoze2279 2 месяца назад
@@rynewilliams Thanks! So far 21% in O, 11% in EPD, 10% in MO and 5% in AGNC. I’m definitely going to expand more as I do more research. I don’t think I’ll hold AGNC for long either lol.
@rynewilliams
@rynewilliams 2 месяца назад
Right on, that’s a big O position! Also, probably a smart move with AGNC
@keepitraw1
@keepitraw1 2 месяца назад
I get divided investing, but I wouldn’t be so far as i am right now. Recently invested like 15% in dividend stocks, but I only like the cashflow. Would rather do growth investments till I have much more money.
@EtherealPanda218
@EtherealPanda218 2 месяца назад
Great Video. I think with this day in age having so many different ways to save and have employer sponsor match and gig work and high yield savings acct getting to first 100k shouldn't take anymore than like 4-5 years tops.
@rynewilliams
@rynewilliams 2 месяца назад
Thank you!
@RunDMS
@RunDMS Месяц назад
Subscribed. Appreciate your content.
@rynewilliams
@rynewilliams Месяц назад
Thank you so much! Welcome aboard 👏
@keepitraw1
@keepitraw1 2 месяца назад
I save 4k CHF a month, but 100k doesn’t get you this far here.
@edwinb.2756
@edwinb.2756 2 месяца назад
Love the content and the spreadsheet...1 thing. The max of stocks on the spreadsheet is 30....I need 5 more spot? What are the odds of an update? Fingers crossed. Cheers!
@rynewilliams
@rynewilliams 2 месяца назад
Unfortunately my friend I don’t see myself expanding the rows. If I expand it to 35, people will ask for 40. If I expand it to 40, people will then ask for 50…it will be a never ending thing.
@JungleEddie
@JungleEddie 2 месяца назад
I am creeping up on $100,000 and I just started a new job in the range of about $100,000 per year. Unfortunately, I am 56 years old, so I don't have a long as many of you before retirement.
@rynewilliams
@rynewilliams 2 месяца назад
Just keep climbing my friend!
@justinshearer8180
@justinshearer8180 2 месяца назад
My first 100 K took me 12 years but then the second 100 K took me 7 years the third 100 K took me five I projected the next 100 K to take 4.5 years
@rynewilliams
@rynewilliams 2 месяца назад
That's awesome, thanks for sharing that Justin!
@nikiemaemma
@nikiemaemma 2 месяца назад
Hi there, Here is my investment journey so far and would like your input. - I am a registered nurse, employed with the same state run hospital that has pension contributions. I am not sure how much is in there right but around $100000. - My hospital offers an additional, separate employee voluntary investment 403B in witch now I have $38000(My current monthly contribution of $1000 - I started retail investing bia robinhood as well since 2021 and made lots of mistakes. I am now more focused on dividends stocks like SCHD. My current value there is $48000(still down 46% unrealized losses. i contribute around $1000/month - I also started last year an IRA via robinhood valued now at $5500 with goal max out yearly to $8000. Can I consider that I reached the benchmark number of $100000? Thanks
@rynewilliams
@rynewilliams 2 месяца назад
I would say so, you're doing great!
@rolandosouffrain7957
@rolandosouffrain7957 2 месяца назад
Oh wow. I feel special my growth portfolio is over $600k. And net worth over $700k. Well I am 48 so I am on track to be a Tax Free Millionaire by 59. Yay me 🎉🎉🎉
@UsefulDonkey99
@UsefulDonkey99 Месяц назад
Great video!
@rynewilliams
@rynewilliams Месяц назад
Thank you!
@ShameerRavji
@ShameerRavji 2 месяца назад
Thx for the vid. I DCA into the S&P500 in a Canadian version of a 401(k) plan :)
@rynewilliams
@rynewilliams 2 месяца назад
Baller!
@user-uh7lr9uk2j
@user-uh7lr9uk2j 2 месяца назад
I'm hoping to hit 100k by the end of the year.
@rynewilliams
@rynewilliams 2 месяца назад
You got this!
@tomasboavista100
@tomasboavista100 2 месяца назад
Hello ryne good to see you man im european.. whats the safest broker to reach these kind of numbers? 4k portfolio at the moment.
@rynewilliams
@rynewilliams 2 месяца назад
I'm not too well versed in European brokers, but maybe something like Vanguard of Interactive Brokers would be good to look into?
@tomasboavista100
@tomasboavista100 2 месяца назад
@@rynewilliams Found Interactive brokers to be a bit confusing to use. What do you think about 212? Also in schwab account are you the beneficial owner of the stocks?
@Norfolkpaul
@Norfolkpaul 2 месяца назад
Nice little video 😊
@rynewilliams
@rynewilliams 2 месяца назад
Thanks Paul!
@andrewferguson451
@andrewferguson451 2 месяца назад
This is one great video! They say the first 100k is the hardest to get. A question though. Can that 100k come from appreciation of capital and dividends or does it have to come from your own money that you deposit into your account?
@rynewilliams
@rynewilliams 2 месяца назад
It will come from a combination of all of those. Contributions, share price gains, and dividends reinvested
@andrewferguson451
@andrewferguson451 2 месяца назад
@@rynewilliams that is great to hear! Thank you!!
@Beautifullondonstories
@Beautifullondonstories 2 месяца назад
Great video mate from uk ❤
@rynewilliams
@rynewilliams 2 месяца назад
Thank you so much!
@striperkid
@striperkid 2 месяца назад
It took me 2.5 years to build a $100k portfolio. Most of it was my contributions (I did most of the heavy lifting) Now, the gains are more pronounced. I have a blend of stocks (growth & dividend) and some ETF's in there. I DCA a lot and watch for red days where I do most of my spending.
@rynewilliams
@rynewilliams 2 месяца назад
Wow you got there super fast -- 2.5 years is impressive!
@user-iw1cq4ft9t
@user-iw1cq4ft9t 2 месяца назад
End of next year i will have (my goal)...to have 100000 in ky dividen portfiolo!
@rynewilliams
@rynewilliams 2 месяца назад
Heck yea!
@HenryLopez-uw6hy
@HenryLopez-uw6hy 2 месяца назад
What do you think about a Roth IRA that’s 100% in VTI?
@rynewilliams
@rynewilliams 2 месяца назад
I don't think that's a bad way to go at all
@cshades8026
@cshades8026 Месяц назад
I’m brand new to investing. I have an employer 401k but I am looking to start a brokerage account outside of that. I have Webull but am nervous about the taxes because I’m going to start out only investing in VOO $5 a day everyday. Is your Charles Schwab account a broker account or another IRA account?
@rynewilliams
@rynewilliams Месяц назад
My Schwab account is my taxable brokerage
@cshades8026
@cshades8026 Месяц назад
@@rynewilliams Thank you for the reply! Love your channel!
@cshades8026
@cshades8026 Месяц назад
@@rynewilliams I have just stared with SPLG, FTEC, and now PLTR. Looking to add PG, O, and SCHD before the end of the year.
@nic6778
@nic6778 2 месяца назад
What to buy?
@calebmccalla9675
@calebmccalla9675 2 месяца назад
Most people should just go 50% schg and 50% Schd
@rynewilliams
@rynewilliams 2 месяца назад
That's a great combo
@sierratiffany1238
@sierratiffany1238 2 месяца назад
I'm trying to figure out how to use skwad... Managed to get a csv report emailed and entered. Wondered if there's a way to designate different accounts (credit cards, bank accounts, etc.)? Thanks
@rynewilliams
@rynewilliams 2 месяца назад
You should be able to tag or group transactions…that may be the way to do it
@rhoelg
@rhoelg 2 месяца назад
I always thought you were Andrei Jikh 😂
@rynewilliams
@rynewilliams 2 месяца назад
Haha what finally made you realize that I wasn't?
@stefanniesiek9119
@stefanniesiek9119 2 месяца назад
in your opinion better for longterm dividend is stock RJF or MS ? The same sector financials
@rynewilliams
@rynewilliams 2 месяца назад
I'm not sure...which one do you think is better?
@stefanniesiek9119
@stefanniesiek9119 2 месяца назад
Hmm idk 😂 PR rjf is 20 ms around 60.. yield ms 3.5 but rjf only 1.5 growth div better for ms..sooo i think ms win
@alvaro93364
@alvaro93364 2 месяца назад
I know getting to 100k is possible for me, question is just how fast can I get there. Im at 31k right now.
@rynewilliams
@rynewilliams 2 месяца назад
It depends how much you’re contributing…that will drive a lot of the progress until you reach that $100k mark
@Yeyos-om9xb
@Yeyos-om9xb 2 месяца назад
Schd..vym or dgro? Great video!!!!
@rynewilliams
@rynewilliams 2 месяца назад
I think they're all great. Out of the three, I personally own SCHD
@michalhofrichter7573
@michalhofrichter7573 2 месяца назад
Great video but too short for my liking :(
@rynewilliams
@rynewilliams 2 месяца назад
Thanks! Good thing there are plenty of other videos on the channel to keep the party going 👏
@michalhofrichter7573
@michalhofrichter7573 2 месяца назад
@@rynewilliams too bad that I've watched them all already haha
@kinhromah4187
@kinhromah4187 Месяц назад
can i get the link to the dividend investment calculator,, i cant seem to find it
@rynewilliams
@rynewilliams Месяц назад
dividendreinvestmentcalculator.com
@Vacationtime247
@Vacationtime247 2 месяца назад
Kind of took a different approach, but we all get to our goals in various ways. One of the best decisions we ever made was to go 100% debt free and own our home outright, following some of Dave Ramsey's advice. Not having debt allowed those funds go towards investing instead. Went with some of Robert Kiyosaki's recommendations on owning physical Gold & Silver, though Dave is no fan of precious metals. Personally don't fully trust having all our funds stored digitally. Now, we're putting funds towards Treasuries and equities, thought I just can't help myself from buying Gold on occasion. VT247
@rynewilliams
@rynewilliams 2 месяца назад
I really like the idea of paying off your mortgage. I'm sure that was a huge weight off your shoulders
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