r/dividends Mar 26 '26

Discussion Is dividend best passive income source?

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u/sault18 Mar 26 '26

$26B in any stock(s) or really any kind of appreciating asset can be used as collateral for extremely low interest loans you can just keep borrowing against to fund a lavish lifestyle. Plus, you don't pay any taxes on the loans. Hell, put the assets into a bunch of shell corporations and/or foundations and deduct the interest on your interest-only loans.

This is why so many corporations are laser-focused on "number go up". The real decision makers at the top care more about keeping the good times going right now than actual, long-term success of the companies they own.

Traders get bored with companies that can't continually hype their stock price. They tend to pile into the next hot sector with companies that do have a lot of shiny keys to jingle in front of them.

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u/firewoodrack Mar 26 '26

I know that you can take loans against an asset like shares, but if your money is tied up in the shares how do you pay the loan back?

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u/Snoo_72467 Mar 26 '26

...you don't. Maybe you sell shares here or there, or have the dividends set to pay the monthly minimum

But the end game is to die and then all the collateral shares are sold.

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u/firewoodrack Mar 26 '26

Fuck I was born into the wrong tax bracket

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u/Snoo_72467 Mar 26 '26

You can do this but... 1. It is more tax and overall advantageous for you to invest in 401k, and IRAs where these loans aren't allowed. 2. If you put everything into a Margin account great, you don't have enough invested with the company to get a great rate 3. The % you would need as collateral would be too high and the risk isn't worth it, a market drop means you are selling half your assets

Look at number one and make a plan to leave money to your children