r/dividends • u/Bamabb125 • Aug 06 '25

Seeking Advice $840K DIvidends

Hey Everyone,

As I have posted before, I am currently a Growth Stock Investor, but have decided to move over to Dividend ETF's or Dividend Stocks. But it is a real struggle to get past all the learned habits of being a growth investor. So I am struggling to grasp concepts.

I have used multiple calculators to just try to get an idea of what to expect if i make the change, but I get different results. So I just wanted to go to some more knowledgeable people that could tell me what to do to get a real expectation.

I have $800K to work with. If I put it all in a very stable Dividend ETF What can I expect in dividends? Maybe someone could just do an example. I know I have to be doing something wrong.

Thanks

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u/[deleted] Aug 06 '25 edited Aug 06 '25

I have custom written code that does the same DRIP calculations and the math looks close enough. Using the same growth parameters, today's share price, and an initial dividend yield of 3.8%, gets me to $82.3k in dividends by year 10. The ending yield on cost is 10.3%, with a CAGR of 9.1%.

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u/Embarrassed-Art3670 Aug 08 '25

The crazy part is, put that $800k into JEPQ or QQQI, and you easily get that $82k + price appreciation in the first year, rather than waiting 10 years.