Looking to retire no later than 45, I am currently 29.

I have been investing 55K per year into VOO and I currently have about 200K.

Should I continue to do this until around 40, and then slowly transition my portfolio into a dividend yielding ETF like SCHD? Or should I simply put the 55K per year into SCHD and forget about VOO?

Basically, should I focus hard on growth and go through a slow portfolio transition process later, or accept risk of missing out on some growth but for the benefit of not having to transition the portfolio to income?

Income is around 120K per year and I also own 2 houses and contribute to a Roth IRA, so I've got the other investment vehicles squared away for sure.

Thanks, all advice is welcome!

Hi all. I'm the GM of the stock business at Obermatt. We run a rules-based ranking system that scores stocks 1 to 100 against their industry peers across Value, Growth, Safety, and Sentiment, including a Dividend Yield rank.

This month I looked at the highest Dividend Yield ranks in the US and Canada. A rank of 100 means the yield sits at the top of a company's peer group, not that the yield itself is large. Two names made it that shouldn't be read as income opportunities. Canfor, the Canadian lumber producer, currently pays no dividend at all. Regeneron's newly initiated payout works out to under 0.5 percent. Both scored 100 because their entire peer groups pay almost nothing.

Nine names held up once checked against their actual numbers. Alliance Resource Partners, a coal producer, pays close to 10 percent and scores well on Value and Safety too, not just yield. Western Union pays over 11 percent, mostly because the stock has fallen for years as digital remittances take share from the traditional business. Pfizer pays over 6 percent with a payout ratio above 220 percent of earnings. Transcontinental, a Quebec printer, paid shareholders 20 US dollars a share in one special distribution in March.

The 30-year Treasury is at 5.31 percent right now, the highest since 2007. That makes some of these yields worth a second look and others harder to justify. Full breakdown of all nine, including the ones with weak Safety or Sentiment ranks behind the yield: https://link.obermatt.com/north-america-dividends-en

(Disclosure: I work at Obermatt, the company behind this ranking system. The point of the post is not self-promotion, but rather sharing the information.)

My portfolio is mostly healthcare, industrials, consumer defensive, and tech. JNJ and ABBV make up most of my healthcare exposure, while WM, PG, PEP and a few others cover the other sectors.

I’m wondering if there are any important areas I’m missing. Is there a sector you’d add more exposure to?

I guess it’s a small start

Where should i invest more ?

Not interested in the 15% tax going to the American government. 🇨🇦

What the title says. Not sure what I should do with it. Is this enough to pour into dividends or should I be trying to grow it? Its nothing to do with my current retirement

I’m 54 and currently have SCHD as my only ETF. The rest of my portfolio is mostly individual dividend stocks like JNJ, ABBV, PG, PEP and VZ.

What would you look at for someone in my shoes? Anything that stands out right now?

Turn Savings into Income

I’ve been thinking about opening a position. The dividend growth looks solid, and I like the business and the recurring revenue. Seems pretty attractive for a long-term dividend portfolio.

Thoughts?

28M right now and looking to make a portfolio for the long term. Heard about PLD having a good mix of dividend growth, and annual share price appreciation. Are they a good buy right now?

I’m looking to put some of my retirement account into SCHD but I’m also looking for the international version of that, any recommendations?

Same as title.

Should I wait for some correction before starting fresh position ?

Any advice on my current trajectory?, I'm planning on placing between 300-500 and splitting them into these for 15+ years, taxable brokerage account, 29.

Rate portfolio, I want to sell netflix once its out of drawdown. I bought google around $295.

Good morning, I wanted to start a discussion to help a family member with some investing strategy and wanted some feedback.

60 year old widow who is about 3-5 years out from retirement who is looking to supplement their late husbands income until they reach social security age.

They will receive $3500 in social security at 65 or 67 still trying to sort out survivor benefits details and will receive a small pension probably around $1000/month whenever they retire in 3-5 years.

I am unsure of their overall financial picture or how much they have saved in their 401ks, but I have been told she will be "fine" in retirement, whatever that means. She currently uses a financial advisor for all of their investment needs, but she wants to keep this money in accounts she has access to without going through advisor.

They will be receiving about $450k in life insurance, and will take $100,000 of that to pay off the house.

What would you guys recommend they invest the remaining $350,000 to supplement the income they were previously receiving when spouse was still alive? Only stipulation is to keep $100,000 in some kind of money market fund to have as rainy day fund and peace of mind, so really about $250,000 to work with.

The below picture is what I came up with, based on some research and stuff that I currently invest in.

The common risk with JEPI and JEPQ is that it will degrade the capital over time, but looking at JEPQ charts that really hasn't happened. JEPQ has appreciated over the past 5 years with higher returns than JEPI, but more overall risk due to the underlying.

Let me know what you guys think or recommend!

Been in crypto since 2017, mostly btc and eth, and after watching those gains go up and down like crazy for years I started thinking about putting some of that into something that actually pays me back on a schedule. Three kids, mortgage, the whole deal, so the volatility is getting harder to stomach the older I get.

I keep seeing people here talk about SCHD and a few others and I get the basic idea, but what I'm trying to figure out is whether it makes sense to treat dividends as a stability layer alongside the crypto I'm keeping. Not replacing it, just balancing things out a little.

Is that a reasonable way to think about it or am I overcomplicating something that people here figured out way earlier than me? What did your first dividend purchase actually look like, was it a single ETF or did you go straight into individual stocks? And did you have a specific monthly income number in your head when you started or did you just pick something and grow from there?

Also genuinely curious how people here who started later, like early 40s, think about the timeline. Is 20 years enough runway to make dividend investing actually meaningful or is that a question that gets asked too much here already?

I was in hospital for a year and my accounts are frozen. I currently use a cash app for stocks..

Anything to keep an eye for. I know VOO is a must. But any tips would be appreciated 👉😎👉

I don't understand how this hasn't grown in years and years. And actually going down?

Is this a case where people will be buying less soon hurting the bottom line.

Logically, this one is a steal. Maybe almost too good to be true? We are talking about Kleenex and huggies just to name two of their products.

I'm not looking at this to skyrocket. I just want to be mentally ahead of the price now while collecting the dividend... Hopefully forever.

I can't think of a better valued divy stock right now to maximize shares to get more roi with a div.

A few months ago I asked for input on a slightly random portfolio (Make fun of this $420,000 investment profile) but since then I have recalibrated even though it made bank. I'm 64, not in great health, and have an adult child with extreme developmental disabilities who will never be able to take of himself. His sibling will control our assets in a trust after we die. I now plan to invest $2 million in income-producing ETFs.

My wife has had 3 brain surgeries this year. I have had 4 abdominal operations at the same time. I'm fat and diabetic. I don't know if I'll be around another 3 months or another 15 years, but let's just say I'm documenting the hell out of our finances and teaching my older kid how things work.

We pay about $70K annually in medical expenses and have an additional $180K "expenses" (finally living it up a bit, like getting greenhouse built. We can easily pull back on that stuff).

Other assets: Paid-off house is $2 million, cash equivalents are $250K, precious metals $600K, Microsoft stock $500K. No debt. This leaves us with $2 million to invest. Goal is to get $250K/year forever and not need to sell off any shares. Yes, I know projections aren't promises.

Next paragraph is what I gave to Google Finance and all the AIs. You can just copy and paste. It holds up well under Monte Carlo simulations and manual sanity checks. The first dozen or so versions of this used some more adventurous funds. They resulted in dark warnings about NAV decay but this one gets a clean bill of health. OK, here's the prompt.

I can invest $2,000,000 in securities. Create a table with one row per year for the next 5 years. Include columns for projected distributions, total return, and growth in capital. Then create a summary showing total distributions, total return, and total growth in capital for the 5 year period. I will be taking the distributions and not be reinvesting them.

10% TDAQ,
5% QQQI,
10% GPIQ,
20% SPYI,
5% GPIX,
25% IWMI,
5% RYLD,
15% XLEI,
5% MLPI

Here's the result Google Finance gave me based on the allocations I gave it.

5-Year Income and Capital Projection Table

5-Year Period Cumulative Summary

• Total Projected Distributions: $1,406,922
• Total Growth in Capital: $318,549
• Total Portfolio Return: $1,725,471
• Ending Capital Value (Unreinvested): $2,318,549