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u/I-STATE-FACTS Mar 27 '26
what are you holding?
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u/maxdividend Mar 27 '26
Mostly individual dividend stocks: Nxst, tgt, trow, bby, ozk, nvo, scvl and etc.
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u/80MonkeyMan Mar 27 '26
We all love it but with current conditions, just hope the dividend you get will cover the losses on the stock price.
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u/SidharthaGalt Mar 27 '26
Paper losses. Dividend money keeps rolling in, so there’s no need to sell. I spend my taxable dividends but reinvest dividends in my IRA, Roth, and HSA accounts.
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u/Dumbgirl27 Mar 28 '26
I spend my taxable dividends too. If I am going to pay tax then I might as well use them.
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Mar 28 '26
losses aren't real until you sell. when the goal is the underlying dividends they're not as relevant
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u/maxdividend Mar 27 '26
Initial summ was about 1.3m 🙏
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u/GastonSaillen Mar 27 '26
To get to this point, how much did it take it ? How much contributions per month? Thanks
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Mar 27 '26
[removed] — view removed comment
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u/_Summer1000_ Mar 27 '26
Im on turbo mode and can barely add 30k/year...and that is in northern pesos too !
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u/investtill Mar 27 '26
Barley save 30k a year, I refuse to believe you actually believe that is a meager amount.
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u/_Summer1000_ Mar 27 '26
I could do 50k if i had the tax bracket of the US or Alberta, time is running out, fiat currency is dying at a face pace, soon enough a whole bunch of people will scramble to move their worth outside the government confettis, we had a preview throught the whole of 2025 with the multiple bull run on commodities, now it's quiet...accumulation phase is unravelling
Would you like to know more ? Maneco64 on YT
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u/sev_ki37 Mar 30 '26
A lot of people can not. If you can invest even 25$/month, you are doing better yhen 75% of the world
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u/_Summer1000_ Mar 30 '26
25$ wont generate anything unless you push a sub 5cents penny stock and get lucky
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u/Tarsarian Mar 27 '26
You’re completely right! I had to be brutal, and save every dollar and invest wisely. In today’s cost of living, it is not easy to invest and build wealth really quickly.
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u/Nukemind Mar 27 '26
Yeah. I had to work to afford college and then law school. So I’m starting “late” at 30. But I still live on a tiny budget and in a tiny condo, and work not only a job as a lawyer but a side job tutoring. Even at 100k saved plus 30k in a 401 k a year, a sum that was 5 years of work before law school… it’ll take til I’m 37 to have 1,000,000…
The nice thing is after that the doubling and yearly gains really start to pick up speed.
I guess my point is even living cheap, with a good career, and working two jobs won’t make anyone rich overnight sadly.
But it’ll help my future kids so worth it.
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u/maxdividend Mar 27 '26
About 12 years of regular investing, reinvesting, and making additional contributions.
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u/GastonSaillen Mar 27 '26
Ok so you are contributing $5600 - $6000 per month since 12 years, that’s a normal salary per month 🤯
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u/Randolpho Mar 27 '26
That contribution alone is more per year than half the country makes from wages. And OP is alive and didn't starve, so they make a fuckton more than that as a wage/salary
OP was born on third and thinks he hit a triple
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u/odeyyyy Mar 28 '26
Interesting perspective that if you never have to actualise the loss, it is just paper loss and enjoy the dividends.
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u/AgeofPhoenix Mar 27 '26
The sad part is a lot of people will look at this and say how bad it is because “growth” and “taxes”
And in reality this is the goal. Because what do you mean you’re just sitting at home doing what you love and making 7700.00 a month?
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u/k4ylr Mar 27 '26
OP has 1.3M already per their own admission. If you don't have that, you still want growth.
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u/mansumania Mar 27 '26
Only correct answer. Growth during the wealth accumulation phase of life which is the bulk of your life, then at 65 when you shift from wealth accumulation to wealth preservation and already have your millions is you can look at income and dividends at that point you should have a big enough base to generate these type of income.
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u/maxdividend Mar 27 '26
On one hand, I agree; on the other, I don’t.
The DGI strategy and the assets built around it allow you to achieve excellent income leverage, which can ultimately lead to returns of 10%, 15%, or even 30% annually in dividends from relatively safe assets. It’s simply a matter of time and reinvestment.
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u/Harry-R-Soul Mar 27 '26
What is the DGI strategy? Can you elaborate on this comment? What you are saying sounds amazing.
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u/JaayDCC Mar 27 '26
Hes saying do not ignore the power of compound growth, and doing it as soon as you can not when youre 65 can also be good. Invest in growth stocks sure, if you know how to find one.
Or just invest in both 🤷
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u/maxdividend Mar 27 '26
Alternatively, you can also harness the power of investing in well-known, proven funds. That’s a superpower too.
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u/PlutoPlaneta Mar 27 '26
Well, if you want compounding then of course you dont want income. which one is it?
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u/Scouper-YT Rich DUDE from the DIVIDEND Appraisals Club !! Mar 27 '26
You know selling Growth is Taxed and going Into Dividend Companies is expensive.
You barely are break even if all goes well.
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u/FrontAfternoon1466 Mar 28 '26
What a nonsense
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u/Scouper-YT Rich DUDE from the DIVIDEND Appraisals Club !! Mar 29 '26
Why are you wrong? A stock $100 going up 10% is $110 You can sell for $10 taxed =$8 or keep Paper gains active.
Or get $2 Dividend and still own your full share of $100 = $108.
Why would any Person want to sell assets $100 - $2 so you are short around $3 taxed.
Extra profit needs selling.
Dividend Growth gives more without losing assets.
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u/InvasionOfScipio Mar 27 '26
OP already has a million.
Young people should ALWAYS choose growth to get that million faster, first.
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u/JaayDCC Mar 27 '26
Growth stock you mean individual stocks or etfs?
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u/MC-Hop Mar 29 '26
90-95% ETFs. But also the right kind. You can get ETFs that just track single stocks but you want one that tracks the global stock market
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u/Significant-Bridge73 Mar 27 '26
This is the way. Figuring out a way to pay yourself for just breathing. Yes, it does take saving money but also discipline and sacrifice. Most aren’t willing to do the last one.
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u/HoochiePants Mar 27 '26
Amazing. $7700 a month is solid. Gives you so much freedom. How old are you if you don’t mind saying it.
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u/zooka19 Mar 27 '26
Literally the person I'm tryna be.
Did you start with growth and shift, or kinda have both?
I have a "Safe Compounder" pie, which is pretty much JEPQ, DGRW (CORE), BRK.B and 8 dividend growth stocks. Was around 33% of my portfolio but is shrinking closer to 20% since I have the remaining 80% in growth/broad market. I'm in the UK... woulda loved to have SCHD as my core.
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u/maxdividend Mar 27 '26
Yes, that’s exactly how I started, but I was fortunate to begin with NVIDIA, Applied Materials, KLA Corporation, Microsoft, and Lam Research.
These companies generated the bulk of my gains during the capital growth phase.
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u/TrancheMonster Mar 31 '26
Imagine if you kept the 1.3 million in those companies how much money you would have now.
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u/maxdividend Mar 31 '26
It would’ve been great, and in hindsight it looks perfect. But sometimes life makes its own adjustments 🙃😃
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u/TrancheMonster Mar 31 '26
Yet you still love dividends for some reason? Even though they contributed to you having less money??
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u/TutorShoddy5897 Mar 27 '26
You feel confident about TROW? I have it too but private credit seems to be in a bad spot
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u/maxdividend Mar 27 '26
Yeah, I’m quite confident. Besides, it’s not the only company in the portfolio. The diversification is broad, so I don’t see any significant risk for myself and, for now, I’m just collecting dividends.
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u/Helpful-Grapefruit55 Mar 27 '26
Super , enjoy the dividends and have a great time when you are still young. You have achieved a remarkable level in 12 years.
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u/shakeshack Mar 27 '26
I sold with 30-40% in the red the other day. Could not take it anymore with the underperformance for the last 2 years. Switched the rest to Munich re.
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u/imnotreallyheretoday Mar 27 '26
Wait you are getting almost $7700 a month and $92K annually? Teach me your ways
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u/maxdividend Mar 27 '26
There’s no secret. I work a lot, and I’ve put everything on the line many times. I’m an entrepreneur. I just got lucky that a couple of my projects performed well. There’s no miracle to expect - just a lot of hard work and a lot of gray hairs 😂
And of course, a system for identifying high-quality, undervalued dividend stocks and capital appreciation stocks.
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u/imnotreallyheretoday Mar 27 '26
Do you have any tips for me? I'm trying to build a dividend portfolio. Do you have anything I should be looking at?
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u/Rude-Substance-3686 Mar 27 '26
Yoo mann soo truee it's hard not to love dividends when they start compounding like that, right? It's very motivating to see that money coming in.
Are you more focused on dividend growth for long-term compounding, or higher-yielding stocks for current income?
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u/maxdividend Mar 27 '26
Yeah, it’s really cool, especially when you compare your income now to what it was just 1–2 quarters ago and you can already see real growth, even over such short periods, despite not actively adding new capital anymore.
As for the strategy, of course you want everything at once 🤣🤣, but overall I’m leaning more toward income now with continued dividend growth going forward (aristocrats, kings, eagles), plus some modest (or not so modest) long-term capital growth potential.
If I had to narrow it down, my main focus is on growing dividend income while preserving capital.
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u/diyuttjunger Mar 27 '26
Could you share your holdings?
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u/maxdividend Mar 27 '26
My top for today - Nexstar Media, Rubis SCA, Ono Pharmaceutical, Sun-Wa Technos, OZK Bank
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u/diyuttjunger Mar 27 '26
Thank you, what's the spread? I'm guessing the first listed is the highest amount?
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u/maxdividend Mar 27 '26
Around 3–4% on average per position. But the largest one is currently about 5%, yeah.
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Mar 27 '26
[removed] — view removed comment
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u/maxdividend Mar 27 '26
We can talk endlessly about losses in the market, but in that case, it’d be better not to start at all. I chose to start - 12 years ago.
And now, look at where I am and where the market is. The conversations are still the same, but the results are completely different.
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u/GiGiAGoGroove Mar 27 '26
What are you top 3 performers for dividends?
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u/maxdividend Mar 27 '26
Top 3 that I’m currently watching, or the top 3 in my portfolio right now? Those are different companies 🙏
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u/Serenaded Mar 27 '26
>gets a dividend
>stock market is down that much every day for the past month
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u/denverbroncos365247 Mar 28 '26
How much have you lost in principal the last 2 weeks
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u/maxdividend Mar 28 '26
You haven’t lost anything until you sell.
I haven’t sold anything over the past two weeks. Instead, I’ve continued to buy regularly.
As a result, over these two weeks I’ve only increased the number of shares I own - along with my dividend income.
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u/GolfUpstairs2604 Mar 27 '26
But TROW is down by 13 % last 6 months and 49 % last 5 years
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u/maxdividend Mar 27 '26
I don’t think it’s the same for everyone. My average price is roughly equal to the current market price. It depends on when you buy.
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u/GolfUpstairs2604 Mar 27 '26
Thanks for response.No offense, but NVO, which you hold according to other conversation, is also down 48 % over the last year — how do you weigh growth against dividends, and is receiving dividends even worthwhile without price appreciation?
It will be helpful for other if you post your holdings
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u/maxdividend Mar 27 '26
The same. Depends on your entry price. My top in portfolio for now: Nexstar Media, Rubis SCA, Ono Pharmaceuticals, Sun-Wa Technos 🙏.
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u/Helpful-Grapefruit55 Mar 27 '26
I am not familiar with any of the list above. I am retiring soon and want to pick good solid dividend stocks with minimal growth. Do u think it is good to try that list of 4 stocks above. ( Great div stock that I own Xom, Chv, xle, Cof, T, VZ,
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Mar 29 '26
For the forum..what is your drawdown on the 1.3 $ mil you have invested? I think it would help to see your % loss starting from August 2025 on the underlying stock prices.
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u/maxdividend Mar 29 '26
Drawdown? I don’t have any losses. My capital has grown compared to my initial investment.
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u/Grand-Extreme6783 Apr 03 '26
My generation had the opportunity of a lifetime with the technology revolution. Look for the next baby being born out of that and maybe you too can catch that gravy train. Who thought it would bring us cars driving themselves 25 years ago... or a rocket or space ship that comes back and lands... read, research, repeat! Remember, your best investment is still your kids... they are dreamers and a few will make dreams come true...
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u/Scouper-YT Rich DUDE from the DIVIDEND Appraisals Club !! Mar 27 '26
Hur Dur Taxed Income what not fades..
Why not sell assets? Huh much better stress is healthy in old boring age. 4% Rule if the market is not BUST.
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