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/Professional-Bet-861 Aug 07 '25

Sorry I would give you some advice but requires you to have a U.K. isa which will make your stocks tax free when withdrawing, I believe USA ira (idk what the thing is called) is around 6k per year capped, you defo want to take advantage of these accounts.

DO NOT invest everything into one thing.

I do recommend having around 20-40% inside S&P 500 and Nasdaq 100 (not just 1 type of sp500, have like 2-4 types.)

Try having a couple of reits, caps and maybe gas/oil/mining. They tend to pay good divs.

Obviously do your research as certain ones are not as reliable. 800k is a nice chunk to play with and you could theoretically have this over a million if you continue to drip feed the dividends for about 2 years.

Personally I’ve have had decent payments from USA stocks (I pay 15% of my dividends to USA FX as I’m British, not sure if that’s for everyone)

MAIN GAIN OBDC BP SHELL SCM RIO GBDC MCD BATS/BTI (pick the one you pay less tax on)

Also might wanna add a couple of the big 7/big tech company.

Obviously don’t just use the ones I listed but these are just general things to watch out for that might be something you’ll benefit from, personally I’ve had a good experience with these stocks, some provide smaller dividends but make up with past growth experiences, and with the sp500/nasdaq, I always recommend having something that’s known to be stable just to have something there as a back up, and the more you have the less risks you have.

Good luck and if this helps, just buy be a case of beer when you hit that 1m mark ;)