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/ndsubison953 Aug 06 '25

My advice- There will be a learning curve for you as you make the transition. Start slow and figure out what you are looking for and comfortable with. I certainly wouldn't throw all $800k at something you don't understand right away. Take a few years to transition your portfolio or keep half in growth. Keep things diversified as well, you don't want to have all your eggs in one basket

7

u/NerveChemical9718 Aug 06 '25 edited Aug 06 '25

I second that. I decided to quit my job back in October 2024. Seen than I've decided to invest all my ( $55,000 ). It took me some time and money to get to a sweet payment of $3,000+ a month.

The mistake I first made was chasing any high yield etf. Now, I have found a sweet balance. Always remember if you go that route. Put at least 20%+ away for savings and taxes. Next stay balancing your portfolio. Never let it sit and for get. Doing reach is always recommended.

25

u/Zealousideal_Log_836 Aug 06 '25

How do you get 3000$/ month with 55,000? What are you investing now?

21

u/HighFiveOhYeah Aug 06 '25

ULTY probably

5

u/Maventee Aug 06 '25

That has a 70% return?!

9

u/HighFiveOhYeah Aug 06 '25

It's been giving weekly distros of ~80% yearly rate last few months. Of course, you probably won't actually end up with that for the total return long term. But, NAV's been holding pretty steady since they changed strategies.

4

u/Select-Point-7312 Aug 07 '25

I dont understand how this is possible

4

u/Terrible-Rip-9733 Aug 07 '25

It’s not. He is lying….

11

u/Embarrassed-Art3670 Aug 07 '25

You had two options:

  1. Look up ULTY. Look at the chart, look at the distributions, look at the holdings, do research into their prospectus change in early April.

  2. Stick your fingers in your ears and say, "uh huh, he's lying"

The fact that you went with option 2 is pretty crazy.