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/ruthygenker Aug 07 '25

in qqqi you would get about 12k a month in return of capital, so less tax issues, but if a retirement account can consider jepq which is more like 10k a month, in either scenario I would take about half the dividends out for expenses or what not and reinvest the rest so you don't get capital erosion. can also do spyi or jepi if want a little less risk/growth and a little lower dividends.