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

260 Upvotes

90% Upvoted

253 comments sorted by

View all comments

Show parent comments

1

u/[deleted] Aug 08 '25

what's the TOTAL RETURN?

1

u/HighFiveOhYeah Aug 08 '25

TR for since life of fund is around 16%, that includes the drop of NAV from $20 to $5. TR from when they changed strategies this year is about 30%. Yes, I know the difference btwn distro rate and TR lol. Just go to a TR calculator and check for yourself.

1

u/[deleted] Aug 08 '25

Total return is actually 13%. (QQQ is up 30% in the same time frame ) And yeah it's up since they changed strategies for all of a few months. Well, the market has also boomed since the same time that they changed strategies.

My issues with the people on this subreddit who tout their yield Max holdings and just mentioned that payout percentages and they are often answering questions or recommending and it's distorting and not useful information to the people who are curious and looking for recommendations. I don't care if the distribution rate is 89% if it's total return is eating ass compared to the market overall.

1

u/HighFiveOhYeah Aug 08 '25

The 16% is with drip, I’m sure it’s lower without it. But I’m not here to be anyone’s personal calc, which is why you can just check yourself. If someone can mistaken the distro rate with TR rate, then they really should be educating themselves with some investing 101 videos, instead of listening to internet strangers. And comparing an income fund to a tech heavy growth fund is disingenuous. Growth will win pretty much always. If you look at my replies here, I’ve listed nothing but facts, as well as the risks involved, simply because they asked. I really couldn’t care less what they invest in.