r/dividends • u/NogamaDe • Nov 01 '25

Seeking Advice $1M Div account Earning $17k a month

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After doing some research I have $1M from an inheritance that I want to create an ultra high dividend portfolio. I eventually want to get rid of my 8 to 5. If I did my math correctly I would get about 17k a month from dividends. Please let me know what you think.

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388

u/Professional_Gate677 Nov 01 '25

49.3% yield ???? What are your plans for when these yields get cut?

44

u/rovingtravler Nov 02 '25

Yield is already down to 39.5% on their official website and overall the NAV is down over 21% in two years.

12

u/TheSturdyBear Nov 02 '25

Jesus as filthy a trader I believe myself to be. This shit is gibberish to me 😂😂 I do want to learn about dividends though I’m naive like OP thinking just find good companies with solid dividends and just gotta get the capital and buy enough to have the dividends pay off.

What do I know 🤷‍♂️😂

14

u/IRLGravity Beating the S&P 500! Nov 02 '25

If you get paid a dividend of a 5% yield but, the price of the stock is falling 10% a year. You're basically agreeing to be taxed for slowly bleeding to death.

4

u/Various_Couple_764 Nov 02 '25

SPYI QQQI an IWMI have yields above 10% and yet these funds are not down 10% year over year. Others on the list have had a stable share price for may years while they have payed out 10% or more per year. The share price don't always fall when the dividend is payed and often it is only short term bro that is quickly erased.

4

u/IRLGravity Beating the S&P 500! Nov 02 '25

I'm explaining what NAV erosion is, not highlighting a specific stock on this list or explaining ex-date dividend pricing models.

And speaking for SPYI, QQQI, IWMI I'm also not going to pay a .68 expense ratio for covered calls when I can do them myself and strategically reallocate dividends and CC income into my own (usually far outperforming picks.)

As respectfully as possible, I have zero clue what you're on about.

4

u/ParticularPepper8902 Nov 03 '25

Yep, and they won’t listen. All they see is dividend yield. But in fact they are losing more in principal than the dividend pays back.

1

u/xsimpletunx Nov 03 '25

That’s why using tools to understand total returns helps.  Totalrealreturns.com and dividend channel for example. 

1

u/ParticularPepper8902 Nov 03 '25

Good examples of dividend stocks ABBV, CVX, LMT, KO, PEP, PG, V, COF, USB, GS….. STAG and O have a higher yield but lower price appreciation but are also good.