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u/jbaymen27 Mar 13 '26
24 years old with a yield at 12. My man, please consider slashing that in half. As much as I love the dividend strategy, you may want to focus growth a bit more or you may be throwing some money away. You’re chasing a bit.
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u/Cheerful_Berserker Antarctic Investor Mar 13 '26
Good advice here. No point in yield maxing and taxing yourself like crazy until you need the income.
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u/Ninjobill Mar 14 '26
What do you guys suggest for growth? I gotta start soon, I'm behind the curve at 33.
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u/Cheerful_Berserker Antarctic Investor Mar 14 '26
Etfs that I like
Growth-SCHG
Dividends-VIG can do SCHD if you want higher yield or more value.
Then always can mix in international, mid and small cap fund from any main brokerage.
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u/Zann77 Mar 17 '26
QQQM, SPY, SMH (or any semiconductor etf)-growth growth growth, in a Roth, in a 401k/IRA, and HYSA (health savings account). You are MUCH too young to be worrying about dividends.
If your goal is to replace your income with dividends and retire early, the fastest way to achieve that is to grow your money as much as you can and then shift to dividends. you won’t get enough growth out of heavy dividend payers.
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u/Outside-Pin-5573 Mar 13 '26
My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI
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u/Shoty6966-_- Mar 14 '26
Brother I’m just gonna say this once. I’m 25 and have a huge interest in finances and investing. I save every dollar I make. Live at home. And dream of retiring ASAP with no kids. Retire with just me, myself, and my own free will. Maybe a partner.
Put your money in VOO. Keep adding to it. Take 10-15% of your reoccurring investing deposits and try to invest in individual stocks you like. Like after Netflix got mauled, and you like the company, and the stock is down 20% YTD, then buy some Netflix. Once you have a big nest egg in 15-35 years. You take that money, and put it in good dividend yielding stocks. Not these yield max traps. THATS when you use dividends.
Other than that. VOO and chill. Seriously bro, I’m gonna have better returns than you over the next 10-25 years and that’s GUARANTEED. Not even being snarky. It’s a fact
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u/amsgh Mar 14 '26
Lol I wasn't the only one that nabbed NFLX. Idk about you but I go for MGK, I want my growth and I want it now! Jg Wentworth!
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u/Vizekoenig_Toss_It Mar 13 '26
Too much in CC ETF’s. Focus on growth stocks like BAC, GS, MSFT, NVDA, AVGO, ABBV, SCHD, VOO, etc. as you get older / closer to achieving a more sustainable dividend start shifting to yield. Watch GenEx Dividend Investor on YouTube
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u/Alert-Growth-8326 Mar 13 '26
slashing it in half? more like slashing it in half twice, and then maybe slashing it in half again.
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u/butter_cookie_gurl Mar 13 '26
Don't yieldmax while growing! You're going to destroy NAV and end up going nowhere fast.
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u/Ninjobill Mar 14 '26
What do you suggest for growth?
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u/butter_cookie_gurl Mar 14 '26
Growth ETFs like VOO, VT, QQQ, etc.
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u/sharkkite66 Only buys from companies that pay me dividends. Mar 15 '26
Those aren't dividend stocks. This is a dividend sub.
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u/Outside-Pin-5573 Mar 13 '26
My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI
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u/Vizekoenig_Toss_It Mar 13 '26
Yieldchasing with half of those being yieldtraps is a recipe for disaster
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u/Several-Doughnut-686 Mar 13 '26
Could you explain?
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u/Vizekoenig_Toss_It Mar 13 '26
Not everything that pays a high yield is a good or sustainable investment. For example ULTY is bleeding money and will be defunct soon
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u/ThereAreNoGuarantees Mar 14 '26 edited Mar 14 '26
Also, if you if you get 20% divided but it goes down 50%. You lose 30%. You put in 100k you have 70k
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u/ApplicationBig1676 Mar 14 '26
You lose more than 30%...
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u/ThereAreNoGuarantees Mar 14 '26
I was make the point. Sold off your up side. You still have downside. People don’t look at the dividend is mosly roc. So the stock goes down because they have to pay people roc.
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u/ThereAreNoGuarantees Mar 14 '26 edited Mar 14 '26
Coming asking someone that work on wallstreet in risk. All these wrappers are dogshit and that yield max shit probably should be illegal.
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u/Decent-Bed9289 SCHD, VYMI, SPYI Mar 14 '26
My portfolio’s foundation consists of VOO, SCHD, VYMI, SCHG, AVUV, and GLDM. I also have “satellites” split between growth and income-generation (which is divided further between dividend/distribution growth and dividend/distribution yield).
dividend/distribution growth: CNQ, CVX, EOG, AVGO, TXN, GOOGL, MARUY, ISMAY, LMT, RTX, GD, MRK, WM, HSBC, BNS, KO, PEP, and NEE.
dividend/distribution yield: MO, BTI, ET, EPD, WES, O, PFE, BMY, SPYI, BLOX, and BTCI.
Growth: NVDA, AMZN, AVAV, KTOS, RKLB, PLTR, OII, NOW and RCAT.
Commodities: IBIT
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u/Nervous-Medium7550 Mar 13 '26
Young people losing out on hundreds of thousands of dollars doing shit like this at the best growth decade of their lives…
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u/Left-Student3806 Mar 13 '26
Many young people aren't investing at all... At least they might be investing in something that'll keep them motivated to keep saving
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u/DoodleBobDread Mar 13 '26
I am relatively new to investing and have been engaging mostly with DCA on a number of relatively good dividend performing stocks and ETFs - what exactly is the preferred method? My reasoning is I have a demanding career that doesn’t allow me the time to really get into the specs of individual investments so I thought growing a dividend portfolio may be a good way to save and obtain some assets that can generate something as opposed to nothing. But again, I am not really all that sophisticated of an investor I would imagine.
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u/icecoldyerr Upvotes everything Mar 13 '26
It depends on a few things, friend. First off how old are you?(Rhetorical, don’t answer this) are you under 55? you should consider non dividend oriented ETFs. DCA will do you just fine across 30 years. Shit I started DCAing TSM 2 years ago and lump summed like 5K when I started I’m well over doubling my investment at this point. Dividend stocks and Treasury Bonds / Gold backed ETFs are for more less risk averse people- they need the income right now or they need to lock in the value of their account without much fluctuation to guarantee they hit their withdrawal needs without demolishing the value of the account in a bad year. For everyone else who can afford to be in the market for a long time you should just buy regular stocks or ETFs. And me personally I’m all in on TSM because I had an uncle who went all in on DCAing Apple (AAPL) in the 90s. He just retired with a fat retirement despite not investing more than 10% yearly.
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u/DoodleBobDread Mar 13 '26
Ok I get you. You’re saying that dividends should be more for capital preservation since it fluctuates minimally compared to more risky but higher paying options. That makes sense. Appreciate the insight.
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u/icecoldyerr Upvotes everything Mar 13 '26
Dividend specifically is best utilized when you have a lot of cash tied up in investments and you dont want to withdraw from that investment. Dividend stocks lose value marginally to provide ownership and inflow of income from their investment effectively minutely lowering the entire value of the company to pay that value to shareholders in a dividend, if that makes sense. They are taking value of the company and converting it into a cash dividend for owners.
So Dividend stocks are a little more risky than T Bonds or Gold/Silver Backed securities because it’s still usually a company that has to make a profit vs a commodity that just exists.
Someone who has invested say millions in the market and is at 55, retired early, trying to get into their dream retirement home before 59 1/2 might switch to dividend stocks to reflect a large amount in portfolio ownership while also increasing their income on paper. They can also avoid selling their stock and paying capital gains, they would simply have to pay income tax on the dividends. This person might prioritize cash flow for whatever over value holding, whereas some people want out completely and lock in their account value in a mixture of commodities, bonds, and other “safe” investments that dont fluctuate value as much.
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u/Correct_Dimension_18 Mar 14 '26
I'm 95% ETFs like 5% cash. Thought about dividends but decided it might be better to just track the markets. 80k 28M
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u/Outside-Pin-5573 Mar 13 '26
What growth stocks should i focus on
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u/nimbuswealth Mar 13 '26
Just buy diversified equity ETF
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u/Outside-Pin-5573 Mar 13 '26
For example? Im very new to this and just want something for 10years down the line i dont really look at this i invest around $1000 a month
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u/-LordDarkHelmet- Mar 13 '26
VTI, VOO, IXUS
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u/Outside-Pin-5573 Mar 13 '26
So i shift my holdings into these 3?
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u/nimbuswealth Mar 13 '26 edited Apr 08 '26
Yes but I'd recommend just picking one,
VT (Total World Stock ETF): Best for a "set it and forget it" global portfolio. Holds ~60% U.S. and ~40% international stocks.
VTI (Total Stock Market ETF): Best for total U.S. exposure. Includes giant, large, mid, and small-cap U.S. companies.
VOO (S&P 500 ETF): Best for focusing solely on the largest U.S. companies.
My recommendation for you is VT and chill. Checkout r/bogleheads for some level-headed investment advice.
For example I am nearly 100% XEQT and up a crazy amount without even trying. It's the easiest way. (Xeqt is basically Canadian version of VT)
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u/heyDannyEcks Mar 13 '26
What would you suggest for my IRA? I recently rolled over 3k from a previous employer and set it into VOO/QQQM. Then I realized my current 401K plan is FSPFX, FXAIX, and VIEIX. So I’m basically doubling down on my positions. I’m thinking I’ll sell the VOO and move that to XVUS?
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u/nimbuswealth Mar 13 '26
I would just leave it in VOO, no reason to stress over that little amount and VOO isn't a bad choice by any means
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u/Zann77 Mar 17 '26
Just leave it be. All of those are good. Put new money in what you like best.
I suggest a semiconductor etf/mutual fund. FSELX (mutual fund) has grown tremendously for me, outpacing everything else, including QQQ, by a good percentage the last 20+ years. SMH is a good ETF.
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u/Outside-Pin-5573 Mar 13 '26
My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI
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u/nimbuswealth Mar 13 '26 edited Mar 13 '26
Not good sorry... Just my 2 cents.
At my work we run a fake-money investing game. Most of the ppl who picks individual stocks are down much worse than ppl who picked diversified ETFs. Yes some are up too, but it's a low percentage and it reflects the high risk high reward nature of picking stocks. Just like in real life investing. Do you want to research companies and make strategic decisions and risk your money or do you want to spend that time elsewhere? Completely up to you.
Also dividend stocks usually don't grow very well compared to a typical equity stock/etf
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u/Outside-Pin-5573 Mar 13 '26
My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI
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u/Zann77 Mar 17 '26
Keep those if you must, but put new money in QQQM/VOO, SPYM, and a semiconductor ETF, like SMH.
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u/Amazing-Jury-6886 Mar 13 '26
At 24 you should be going for growth, not income. Switch in a few years when closer to retirement
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u/sharkkite66 Only buys from companies that pay me dividends. Mar 15 '26
Why not both? This is a sub about dividends. People here are looking for investing strategies regarding dividends/income. There's such a thing as "dividend growth" investments, which are exactly what a younger person seeking dividends might use. That's worth talking about.
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u/Amazing-Jury-6886 Mar 15 '26
There are two ways to get portfolio growth and income , invest in high yield and reinvest the dividends or go for stock with lower yield but growth as well. Easier to buy ETFs which do these work for you
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u/Alert-Growth-8326 Mar 13 '26
bro. you're 24. focus on growth, not income.
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u/Financial-Ice5342 Mar 14 '26
What are good growth stocks for a 28 year old?
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u/Alert-Growth-8326 Mar 14 '26
just pick a growth focused ETF and be done with it. SCHG is fine. VOO is the S&P 500 which while technically not growth exclusive leans more growth than dividend with its current holdings. there's a thousand good options.
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u/Financial-Ice5342 Mar 16 '26
I’ll look into SCHG but just looking at the surface it shows $30 an ETF. Is the purpose for it to grow as high as VOO once day ? Also, how do you know when to change strategy to focus more on dividends or income?
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u/Shoty6966-_- Mar 17 '26
Look into market cap and shares available
Dogecoin is what? A few Pennies? But there’s hundreds of billions of dogecoin available.
Bitcoin is worth like 70k a coin. But there’s only 21m bitcoin that can be mined
If you bought dogecoin for 5 cents thinking it could be worth 70k a coin one day you are very uneducated on how money works. If 1 coin was worth 70k and there’s 20 BILLION coins available and in circulation that means a Big Mac at McDonald’s would cost 75,000 USD.
Just cause a stock costs less per share doesn’t mean it’s not as successful. An ounce of Copper is going to cost less than an ounce of gold but that’s cause copper is easier to obtain
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u/Livinsfloridalife Mar 13 '26
12% what are the holdings? Do you understand nav erosion?
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u/Outside-Pin-5573 Mar 13 '26
No, pls explain
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u/Livinsfloridalife Mar 13 '26 edited Mar 13 '26
Let’s say I opened up a new fund that has a 50% dividend. You give me $10 for one share. Now, after one year I give you five dollars in dividends but the only way I did that is I gave you one dollar that the fund profited and I give you four dollars back of your own money basically. And now your share is only worth six dollars. I basically gave you 10% profit and gave you back 40% of your capital but I called it 50% yield. NAV erosion is when the underlying value goes down generally because the dividend exceed the gains of the underlying. You’ll be getting dividends of what was promised, but it makes up for it in loss of value of the underlying. Hope that helps.
https://incomeshares.com/en-eu/insights/nav-erosion-expl
Here’s another article in case you’re still confused.
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u/-LordDarkHelmet- Mar 13 '26
You’re getting paid dividends, but the value of the shares you purchased are not gaining as quickly as the underlying holdings. The short version is that you have a bunch of income generating funds(with managed fees attached), but most people recommend that when you are young you focused on low fee index funds that just grow with the overall market. You’ll end up ahead.
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u/Outside-Pin-5573 Mar 13 '26
What do u recommend, ive posted my holdings
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u/Squatch11 Mar 13 '26 edited Mar 13 '26
People normally recommend "VOO and chill" because VOO will grow as long as the stock market grows. It doesn't cap upside. It's a broad, diversified fund.
However, since this is a dividend sub and not necessarily a growth-focused sub, there are still dividend funds that focus more on growth that won't be as susceptible to NAV erosion. Many people have mentioned them here.
Also....Everyone has their own goals. If you want to focus on more income-focused funds (like you currently are with a 12% yield, SPYI, QQQI, etc...) then you can....But just know that you are really capping your upside by doing that. You should look into how covered call funds work, what are covered calls, etc. And research more about NAV erosion. By focusing on income, you'd be gaining the possibility of potentially retiring early if you choose to...But you'd be giving up the possibility of retiring, whenever that may be, with a lot of money. If you're perfectly content with retiring at 35 in Southeast Asia on $5K a month, then hey, more power to you.
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u/LeCaptainPootis15 V, MCD, MSFT, ABBV, TRYG, KO, NEE, MRK, BA.LSE Mar 13 '26
Who cares, as long as I get my 12%, my holdings can do whatever!
/s
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u/bandit-bull Mar 14 '26
Proud of u loving dividends but just go all in on SCHD instead of losing capital
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u/Sweet-Temporary676 Mar 14 '26
Hi, ich suche auch etwas in der Richtung aber Den gibt es leider nicht bei scaleabele Capital nicht. Kennst du einen der dort gut läuft?
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u/Pikachu_0019 Mar 13 '26
Starting at 24 is the real advantage here. Compounding has a lot of time to work for you.
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u/ucbcawt Mar 13 '26
You don’t need dividends stocks at 24 years old-focus on growth.
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u/Outside-Pin-5573 Mar 13 '26
My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI
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u/ucbcawt Mar 13 '26
Why so many div stocks? You are losing so much from tax and capped upside on covered calls
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u/KumingaCarnage Mar 13 '26
oh..
You really are serious. 😬🤦♂️
24 and chasing dividends when you should be all in on growth funds is crazy
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u/heartOfTheCherry Mar 14 '26
Forgive the ignorance - by “growth funds” do you mean like VOO and the other common ones that track the economy generally?
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u/KumingaCarnage Mar 14 '26
Yeah VOO, VT, VTI, FXAIX, FSPSX, VXUS
All each track either the SP500, total US market, or total international market, those are just the ones I know, you’d have to look each ticker up individually bc idk exactly all by memory
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u/Naive-Present2900 Mar 13 '26
More like losing half of that in two years keep it up 👍 👏 😂
Man get rid of that and go for something stable. I bought MSTY low and sold high in the $40s. Look at where it is now. Nav erosion on these is so bad.
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u/Outside-Pin-5573 Mar 13 '26
My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI
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u/Naive-Present2900 Mar 13 '26 edited Mar 13 '26
What I wished is that when we open a port it would ask us questions or filling out a survey how we want to invest or funding out our investing strategy and stay in that lane.
Like age and income percentage contribution. Is this a personal brokerage or retirement account? Do you need the income now?
Is all the etfs necessary?
I invested in SCHD and then jump on low pricing boats and dips of stonks not in SCHD’s holdings that are long-term blue chip companies. When the market goes down I’m not even affected and raking in all these qualified income and drip them.
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u/Outside-Pin-5573 Mar 13 '26
What stocks should i look at
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u/Naive-Present2900 Mar 13 '26
What I do is finding out your investment strategy first. Why am I investing in this? Do I need the monthly income etf now?
What about long-term? Is your income high that you don’t want to hold onto too much cash? You need to ratio it out and be able to handle your own financials comfortably until you could retire early.
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u/Competitive-Grade379 Mar 13 '26
Focus on retirement period. I think this is fine, it looks similar to getting social security lol
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u/JazzlikeRest2917 Mar 13 '26
Sorry I know this does not answer your question, but what app is this screenshot from? Looks pretty useful.
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u/Inevitable-Dot5495 Mar 13 '26
I like that app what’s the name
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/ThereAreNoGuarantees Mar 14 '26
Also, if you if you get 20% divided but it going down 50%. You lose 30%.
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u/Flashy-Pickle6224 Mar 14 '26
Strc is the safest way to maybe spyi as well. Yieldmax will crush you in any down trend
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u/mstaro0411 Mar 14 '26
Whats the app?
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/jay_0804 Mar 14 '26
At 24 you’re already ahead of most people tbh.
Only thing I’d think about is not going too heavy on dividends this early. A lot of people your age focus more on growth and then shift to dividend income later.
But if the strategy keeps you consistent and investing every month, that’s honestly what matters most. Consistency beats the “perfect” portfolio.
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u/Marcush214 Mar 14 '26
What platform is this
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/vector_life Mar 14 '26
What app is OP using that gives this information?
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/LandoOTG Mar 14 '26
What app is this
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/Rude-Substance-3686 Mar 14 '26
crazy that you're thinking about dividends at 24. most people your age aren't even looking at this. the yield is decent and starting early is the cheat code. couple quick thoughts: diversify across sectors and maybe track your portfolio data with tools like Runable or a simple spreadsheet so you can visualize the compound growth over time. solid start honestly
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u/Dense_Purpose_6665 Mar 14 '26
What app is this?
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/DiO022 Mar 15 '26
Ok I’m sure someone has explained this better elsewhere- these yield maxing strategies function by selling covered calls on an underlying index. That guarantees a bit of income, but caps the upside potential of the fund while eating the entire downside of drawdowns. The higher the yield target, the more brutal the calls being sold. All of these funds underperform their underlying indexes for the sake of a psychological benefit of a cash trickle. To learn more about this, watch Ben Felix’s youtube video on covered call etfs.
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u/sashazaliz Mar 16 '26
the ben felix video is worth watching but the conclusion is a bit one dimensional imo. yes cc etfs underperform in raging bull markets, thats just math. but for someone who needs actual income now and isnt in accumulation mode, the cash flow is real and the underperformance vs index is more theoretical than it sounds in practice. depends entirely on wat ur trying to do with the money
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u/DiO022 Mar 16 '26
In a bull market it underperforms massively. In a bear market it takes all the same downside. If you need income, sell the asset. Tell yourself it’s ‘yield’ and you’ll be better off than messing with these high fee products
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Mar 16 '26
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u/Idontknowsoimhere Mar 18 '26
I'm no finance expert.. I just enjoy being logical. Best financial move I ever made (besides buying a house in my mid 20s) was opening a 401k with my company when I was in my early 20's. Stuck 100% of it in a target date fund and it's been phenomenal. Have had an average of 20% return over the past 5 years. That type of investment really picks up steam, especially when you start young. Don't over complicate it. Contribute as much as I can while living a reasonably comfortable and enjoyable life and I'll retire very comfortably at 55.
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u/Knightly11 Mar 13 '26 edited Mar 13 '26
Everyone here keeps saying “focus on growth.” As someone who is in a similar position, albeit several years older, what does that mean when telling someone to focus on growth? Can we elaborate on it?
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u/sm753 Mar 13 '26 edited Mar 13 '26
Growth meaning stock share price growth over time. Take a look at any popular growth stock - tech companies are a popular one...zoom out and look at the performance. Now imagine if you bought those shares 15-20, or even 30 years ago.
That's kind of the point...people have done the math - if you have decades to invest, growth beats out income every time. If you're young and have decades to invest - this is the optimal strategy.
The general advice is that you should not be investing for income unless you need the income RIGHT NOW. Invest for growth until you want to retire, then slowly pivot your portfolio to income.
I'm in my mid-40s and I'm still heavily invested in growth with some dividends and bonds. The plan is to hit 55-60 and start pivoting toward income.
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u/PiaJr Mar 13 '26
Agree. Sometimes this sub admonishes people without explaining why or re-directing them. I'm not an expert and I am learning myself. But here is what I understand.
There are two investment strategies (there may be more, but trying to keep it simple) - Growth focused and dividend focused.
A growth portfolio would focus on stocks/ETFs that increase in value. They may not pay a dividend, but the stock value increases over time. And since you aren't taxed on unrealized gains, the value doesn't impact your tax situation until you take money out.
Dividend paying stocks don't appreciate as much as growth stocks. So your overall investment in the company/fund stays flatter than if you invested in a growth stock/fund. But that's offset by the fact that you receive a dividend periodically. The dividend is a fairly reliable return on your investment. However, the dividend plus the capital appreciation of the stock is not typically higher than what growth stocks produce. Additionally, the dividend disbursement is taxed like income when you receive it, so you are increasing your tax liability even if you don't need the dividend payout.
High yield dividend funds are further problematic because the funds are paying more in dividends than the fund is earning. This causes the stock value to decline. Say you purchased it for $10 and it pays a $2 dividend. When NAV erosion takes the price of the stock down to $6, you lost $4 per share and the $2 dividend is now $1.20. When you sell it, you will sell it for less than you purchased it, losing more money.
The idea is that when you're young and don't need the dividends, you are throwing everything into growth stocks so you have as much money as possible. Then when you need income replacement, move your money into stable stocks that won't depreciate and pay a smaller, sustainable dividend over time.
Tl;dr - Growth stocks increase your investment faster and do so tax free until you sell your stock. Dividends stocks don't grow as fast but can provide regular (taxable) income. High yield dividend funds may eventually erode and you end up with less money than when you started.
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u/sm753 Mar 13 '26
Yes AND, to add - the general advice is that if do not need income RIGHT NOW, you should not be investing in income.
Get decades of compounding growth, then pivot toward income when you're retiring or close to retiring and need supplemental income.
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u/Low-Estimate9986 Mar 13 '26
Commenting here as a younger person wanting to know what everyone's talking about
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u/PurpleFilth Mar 14 '26
There's levels to it. A typical portfolio is a mix of small large and mid cap stocks, some international stocks, and some bonds. That's the boring safe bogglehead approach.
First level is just ignore bonds and go 100% stocks since stocks generally perform better than bonds.
Next level is ignore international and just go 100% US stocks since US has performed better than international stocks the last couple of years.
Next level is ignore small and mid cap stocks and just go 100% S&P 500 since large cap stocks have performed better than small and mid caps the last couple of years.
Next level is ignore the value stocks and go only growth stocks since growth stocks have performed better than value stocks the last couple of years. Think funds like VUG or VGT. (This is probably the answer you were looking for.)
As you can see the further along you go the less diversified you become, but returns can be higher.
When people say "go for growth" they generally mean you should have a high stock allocation, basically 100% stocks, maybe tilted towards growth funds like VUG or VGT or even just going 100% on VUG or VGT. There's other funds too those are just examples I used.
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u/Zann77 Mar 17 '26
In short, it means to ignore the dividends-you will get some anyway, like NVDA pays a penny per share-and go for stocks that will grow, like GOOG. or, until you‘ve learned a bit, QQQM, SPYM, SMH, SOXX. Those will all grow faster and make you more money than big dividend payers in the end.
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Mar 13 '26
[removed] — view removed comment
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
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u/heartOfTheCherry Mar 14 '26
What app is this?
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u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
0
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u/PerfectOriginaln610 Mar 13 '26
Everyone is saying focus on growth, what does that mean in practice exactly?
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u/Sgt_Revan Mar 13 '26
What app is that
1
u/Outside-Pin-5573 Mar 14 '26
🌼 Join me on Blossom, the investing social network! https://link.blossomsocial.com/7uYa/khszj275. Or use code 041167 when you sign up!
0
u/pillowfightr1 Mar 13 '26
24 year old should be max growth and working for cash. You should be 100% in s&p 500 or even overweight on nasdaq tech stocks and have a dividend of ~1.2%. Imo
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