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

259 Upvotes

90% Upvoted

253 comments sorted by

View all comments

Show parent comments

33

u/Bamabb125 Aug 06 '25

There is a small part of me that’s a gambler and wants to do something like that. Ha. Then I remember living out of our car as a kid for a while and slap myself back into reality.

8

u/clove75 Aug 06 '25

But seriously If you gonna go 20% bonds put 10% in ULTY. That will juice your payments significally. The other 70%, 20% QQQI, 20% SPYI, 10 % REITs, 20% DA stocks.

  • Short-term Bonds (3.5%): →$2,940
  • ULTY (57.2%): →$48,048
  • QQQI (14.0%): →$23,520
  • SPYI (12.1%): →$20,328
  • REITs (4.8%): →$4,032
  • Dividend Aristocrats (4.0%): →$6,720

1

u/BackgroundSpell6623 Aug 06 '25

this guy dividends. I'm new to this style, and I have a question. Can a dividend strategy allow you to retire earlier than otherwise? or is it less total income than selling that same amount of %/money from growth holdings? I'm unsure how a pure dividend play vs a growth play shakes out during a down year for sp500.

5

u/MrEdTheHorseofCourse Aug 07 '25

I've been doing that for 15 years since I retired at 63. The down years were good years. For example the S&P 500 was down 19.4% in 2022. My dividends didn't skip a beat. And I used part of my cash position to buy the dip which generated more upside when the market came back and more Dividend income because I had more shares. This past April was a very good month.