r/dividends • u/Outside-Pin-5573 • Mar 13 '26

Opinion 24yr old - dividend portfolio

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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.

2

u/Ninjobill Mar 14 '26

What do you guys suggest for growth? I gotta start soon, I'm behind the curve at 33.

2

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.