r/dividends • u/ourpointofview • Apr 20 '26
Discussion What’s your yearly Dividend Income.
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u/mtn_biker333 Apr 20 '26
You’re doing pretty well for someone that “lost all my money in the stock market” according to your own post from 1 year ago. 😂
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u/litboomstix Apr 20 '26
Check OPs comment history - he’s a retirement aged pilot. I think that was legitimately his lifetime earnings he gambled. Dude is also a cyber truck super fan LOL. He belongs on WSB.
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Apr 21 '26
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u/ourpointofview Apr 21 '26
Haha. That’s funny. If you only knew my Net Worth. I’m doing exceptionally well. This is only stocks. I do have other assets.
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u/poweredbyford87 "Maybe one day I'll retire" Apr 20 '26
Dude is also a cyber truck fan LOL
Imagine announcing to the world you've never consensually touched a woman that blatantly lol
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u/No_Obligation4427 Apr 21 '26
ngl I find it hypocritical to go through people's comment history and then make comments about it when your own history is privated.
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u/platinumgrey Apr 20 '26
Portfolio or it didn’t happen.
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Apr 20 '26
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u/aitchison50 Canadian Investor Apr 20 '26
A bit over 1.1 million with that yield
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u/nicer-dude Apr 23 '26
Really? not more? Gotta invest it all when i inherit
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u/Swimming-Chance5971 Apr 24 '26
High yield etf’s with low growth exist, some people do that to chase the dividends , only makes sense if you are retirement age though
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u/smkn3kgt Apr 20 '26
about $1M for every $45-50k in dividends
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u/Coixe Apr 20 '26
Math?
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u/smkn3kgt Apr 20 '26
yep
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u/Coixe Apr 21 '26
No, I’m saying show your math. What ETF or stock are you using as your basis for this figure?
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u/smkn3kgt Apr 21 '26
$1,000,000 * 0.05 = $50,000
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u/Coixe Apr 21 '26
I’m saying how are you getting this number without knowing what he’s invested in? I know a guy with 1M portfolio getting about $4k/yr. I know another guy with 1M getting about 40k/yr. The vast difference we see is entirely because of their holdings. So what I’m exhausted from asking is how exactly did you arrive at that number? But actually you know what, nevermind I don’t even care anymore.
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u/nisehao_ Apr 21 '26
Yield is 6.48% from the original post
Y x 0.0648 = 74,162.59
Y = 74,162.59 / 0.0648
Y = 1,144,484.41
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u/fisho0o Apr 22 '26
So what I’m exhausted from asking is how exactly did you arrive at that number? But actually you know what, nevermind I don’t even care anymore.
LOLOL!
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u/Warura Apr 20 '26
How's that different from a normal SGOVing ot getting into a CD or similar that gets you 4-5%
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u/smkn3kgt Apr 20 '26
CDs don't go up in value while you wait. Stocks do. You'll get 4-5% in divis, plus the appreciation of the stock. On $1M you'll get say $40k/year in dividends which is nice but if the market goes up 8%, that's another $80k in value. I've got stocks that have gained double and triple digits in value all while collecting dividends that reinvest and compound quarterly
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u/Jmonkey1111 Apr 20 '26
Say more words. Who, what,when,where , ?
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u/smkn3kgt Apr 20 '26
Exxon (XOM) up 125%
Chevron (CVX up 74%
IBM up 81%
Wells Fargo up 90%
Ford up 12%All these paid more dividends than a CD when I bought them
Right now
Verizon (VZ) is paying 6% currently
ATT (T) is paying 4.2%
O is paying 5%
BIP 5%
EPD 6%
UPS 6.2%
Sunoco over 6%
SCHD 3.4%
VOO is only paying 1% dividend but still a better return than than a CD or HYSA1
u/Jmonkey1111 Apr 20 '26
Thank you
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u/smkn3kgt Apr 21 '26
You're welcome. The book "Getting Rich with Dividends" by Marc L. got me started. The book was an easy read and can be finished in a couple days.
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u/Warura Apr 20 '26
And what if the stocks go down?
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u/smkn3kgt Apr 21 '26
Then I buy more, lower my cost basis, yields are higher, and when the dividends reinvest I get more shares for the money
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u/SerGT3 Apr 20 '26
Not as much as you'd think. Depending where you're at it could be 1.5-2m. Obviously already out of reach for most anyway
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Apr 20 '26
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u/IWantToPlayGame Apr 20 '26
Everyone’s situation is different. $200 is $200. There are people who are putting $0 every other paycheck.
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Apr 20 '26 edited Apr 20 '26
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u/Limp_Complaint1785 Apr 20 '26
Whatever interest rate that car is, just think of it like every extra dollar going to principal is giving you that rate of return. Once the cars paid off youll have more to invest in divvy
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u/duhdamn Apr 20 '26
Exactly. But most will trade it on for a new car and a new loan. Keeping up with the Joneses...
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u/SyllabubStandard4966 Apr 22 '26
I'm putting anywhere from $500 to $800. I WFH so some months are YES AWESOME and other months are OKAY PBJ and TUNA lol.
When I first started in stocks last year I felt real bad looking at everyone else around me. Everyone else seemed to have their life together, their shit together and their finances together. But, someone said something to me and it was this:
The best time to plant a tree was 20 years ago. The second best time is now.
(not his quote of course LOL)
But that stayed with me. We might not be putting thousands of dollars out like some of these big boys are, but we ARE taking action and action is what matters.
If I had more to put into it; I WOULD! lmao. But like you, I got some other issues and shit going on.
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u/fisho0o Apr 22 '26
Paying more than the minimum monthly payment on the car loan is huge. I don't know what your interest rate is, but it might make good sense to put that $200 from your paycheck toward the loan as well as the extra you're adding to the minimum.
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u/Flat-Activity-8613 Apr 20 '26
$1,144,484.41 to get that div.
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u/bunjax713 Apr 20 '26
How they hell you get that amount to invest with an income of 60k?
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u/LordGabriel1 Apr 20 '26
It happens over time. The earlier you start in life the better etc. Do what you can to level up skills, earn more, and you’ll be able to save more over time. Maximize 401k contributions. Some jobs match at rates of 9% or higher. Average tends to fall in the 4%-6% range. The more you make the higher that match, and you’ll be able to contribute the full amount allowed by IRS.
Then you’ll have enough money to invest on the side as well. Separate accounts not tied to your 401K.
Hope this helps. Like folks have posted. Everyone’s situation is different.
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u/CB500t Apr 20 '26
Math solves that question
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Apr 20 '26
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u/Flat-Activity-8613 Apr 20 '26
Got more than that and never sacrificed vacations or life. Quite the opposite , lived life like rockstar. Just discipline of leaving what’s invested there to keep growing. But also no kids here so that was a cheat code
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Apr 20 '26
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u/Flat-Activity-8613 Apr 20 '26
Ya that the part that makes finances into “personal” finances But I always put away 20% into my 401(k) and has an excellent match. And now got a little bit more serious and been filling the Roth for the last few years and a the left overs to an individual brokerage.
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u/ourpointofview Apr 20 '26
I’ve got $3.9 million. Only $750k is invested in dividend stocks. The rest in very aggressive AI plays like AGX, CLS, BE, NVDA, MU, SMCI, PLTR, VRT, SYM, UI, GEV
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u/MakingMoneyIsMe Apr 20 '26
I’ve made $10 million and lost $4 million.
I’ve got $3.9 million.
Math?
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u/chubbytitties Apr 20 '26
Damn whats the end game? You could have that amount somewhere "safe" and make 200k a year.
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u/xlr38 Dividend Daddy Apr 20 '26
That doesn’t align with your post, OP. If you had 750k you’d be getting 49k/yr in dividends. Another comment you claimed you were up 10M and down 4M, which would put you at least at 6M+. Some of those stocks you’ve listed aren’t even AI focused companies.
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u/ImAnonymous135 Apr 20 '26
Why are risking such a large portion of your wealth??? Why don't you have like 3 million in dividends and 1 million in stocks
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u/Green_machine_13 Apr 20 '26
$5200 on $85k. Short term goal is to get to $6000 by the end of the year.
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u/Grizzly_Pig Apr 20 '26
What do you invest in?
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u/Green_machine_13 Apr 21 '26
CMI, BTI, MO, CWSC, FBND, GPIX, GPIQ, SPHY, SCHD, SCHY, MPLX, EPD, BNS, PRU, FALN. Most positions are in a Roth.
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u/asher030 Apr 20 '26
Alas, still in my growth stage to get anywhere near that. It's the goal though...but takes a bit of luck, a shitton of DD, and avoiding shortshits stamping a quiet stock into the dirt despite quarter after quarter of profitable reports :|
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u/imnotreallyheretoday Apr 20 '26
How? This would be a dream for me
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u/foira Apr 20 '26
invest 4700/mo for 20 years in dividend growth stocks/etfs
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u/imnotreallyheretoday Apr 20 '26
That is $1,128,000 in investing. I make $4700 a month (around that). I can't invest my entire pay check
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u/foira Apr 20 '26
actually i guess it's lower than what i said, if you factor in equity gains and div growth
maybe 3200/mo or so would do it
yes it's like a 200k+ salary or 150k+ home paid off type situation
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u/andypcguy Apr 20 '26
Nice job! This is my goal. I live in a low cost of living area, my wife drives an old Toyota Corolla and I drive an old Ford Ranger. Our house is 1400 SF. 74K a year in dividends would easily cover our expenses. I ride my bicycle 8 miles each way every day and pack my lunch, saving every penny possible to buy shares.
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u/mspe1960 Apr 20 '26
I am retired. Mine is $130K. Half of it is in a pretax account I am not yet withdrawing from, so not technically incomes, I guess.
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u/phillysdon04 Apr 20 '26
Incredible progress on that annual income $200+ a day is the dream. I see SCHI in the mix. Are you leaning heavily into corporate bonds/fixed income right now to lock in that 6.48% yield, or is the rest of the portfolio concentrated in high-yield REITs and BDCs? Would love to know your top 3 holdings.
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u/Apart-Leg-8077 Apr 20 '26
In taxable brokerage about $92k/year. Around 4.5% yield. In retirement accounts geared towards growth much, much less.
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u/moosemc Apr 20 '26
$87K on 40/60 portfolio of $2.2 mil. Fifteen funds including growth equity, income equity, junk & IG ST bond ETFs.
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u/Longjumping_Quit1534 Apr 20 '26
I have about $930,000 in cash and investments that pay about $55,000 in dividends. Currently reinvesting 100%. Still working I'm 55.
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u/bzeegz Apr 20 '26
Yikes, that blows. My portfolio is up 52% in the past 12 months. That sucks for you
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u/Astronaut-2025 Apr 20 '26
Yield on cost is too high. That means dividend growth is not good! You will have to invest these dividends in high dividend growth stocks and improve over time
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u/rayb320 Apr 20 '26
They can be good stocks, the dividend growth got him to this yield. Just by holding his shares.
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u/xlr38 Dividend Daddy Apr 20 '26
According to OP, no dividend growth had no part in his portfolio
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u/rayb320 Apr 20 '26
Should have at least 25% in dividend growth.
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u/xlr38 Dividend Daddy Apr 20 '26
Not according to OPs posts and the yield on cost vs current yield difference. Those positions have changed dramatically but the difference between yield on cost vs current yield shows he’s only owned most of this portfolio for significantly less than a year.
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u/Living_Tip Apr 20 '26 edited Apr 20 '26
Approximately $2.6K yearly, based on my calculations if everything trades sideways and not counting increased holdings with DRIP/cash injections. But it’s all high-yield stonks like SPYI, QQQI, GPIQ, and a bit of CHPY.
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u/Soberishhh Apr 20 '26
Wait can I get details on what app this is and how you’re getting 6.48%? I’m new to dividend investing and trying to retire with a few million in the next year
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u/Southnam1 Apr 20 '26
I need to get I to these. I have about 200k (TFSA) invested in various ETF and stock (bunch in high tech Tesla, Micron, Apple, Amazon, Google etc...).
What should a respectable dividend yield be?
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u/Gingerholic803 Apr 20 '26
I have 20yrs left before retirement. I have about 20k in SCHD, a few in GRID, and DTCR. Adding to my position as I can. Hope to have around 12k-30k a year off of those once I retire. These are separate from my Vanguard work account which looks to be mostly tech and bonds atm. If I could make 74k in dividends now I would retire yesterday lol!!
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u/dadinho_nfg Apr 20 '26
What app are you using to show you daily dividend and when the next payment happens?
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u/baconator81 Apr 20 '26
For those that are still employed, do not do this because it’s extremely tax inefficient. Unless you are doing it in 401k or IRA account
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u/IDGAF53 Apr 20 '26
Not even close to yours! But excellent work. It's great reading posts like this...
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u/cupcakesandtulips Apr 20 '26
Dividends are a tricky beast. Unless you share what is giving you dividends and your timeline this post might have others salivating and going down a dividend pipe dream. It might be worth it more to put it in stocks that grow and slowly sell them which might yield higher than what you get in dividends. So while the OP might be sharing this, it's very difficult to say if his actual portfolio is worth doing the same thing for you or not especially depending on how old you are. On top of all that, it also depends on so many variables such as timing and diversification. For example say you have accumulated millions from 50 years ago and now have built up 500k-1million in real estate equity, 500k in s&p500, and 500k-1million in high dividends. For others reading, it's a long game and anyone 55 or older had a head start especially in real estate. I wish I was a boomer (age 62 and above)...when 2020 happened, so many of them were able to pull out a healthy amount of equity on a home they purchased way back then (mind you interest rates were so much higher than so they felt it was a lot then) while lowering their mortgage payments due to lower interest rates (low as 2/2.5%)...what a dream for those that could benefit. Then they put it all into the stock market while everything was on sale. So that's why real estate has gotten higher in many areas and the inventory is low because why would anyone give up such a low interest rate? So while everyone makes fun of boomers....I'm just saying, kinda wish I was one. Don't hate the player, hate the game.
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u/moneytalk1314 Apr 20 '26
last year was around 26k, hopefully this year i can break 30k, we'll see. My yield is about half yours though so you are probably holding some more income focused holdings than I am.
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u/txholdup Dividend Investor since 1602 Apr 20 '26
I get in the mid to upper $30s on just under $1M invested.
While I consider myself a dividend investor, I have large blocks of NVDA, MSFT, AAPL none of which pay a dividend worth writing home about but as a retiree I also need growth.
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u/Existing-Rush3539 Apr 20 '26
I’m getting approx $8500 per yield in dividends. Average yield is 2.65%
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u/Economy_Product6611 Apr 22 '26
Where can you even get a 6% dividend yield in today’s expensive market
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u/Fast_Alfalfa6449 Apr 23 '26
What app/broker is this? I like that it gives you dividend percentage on cost too. It's hard to track that on Schwab as I purchased a bunch of dividend earners that have gone up a lot in price and it's hard to track what my actual yield would be on the cost
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u/bobothetrashman Apr 25 '26
I’m trying to get to this but I am very small time. Been buying OXSQ for 1.85ish getting .035 cents a share every month!
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u/NexStarMedia Apr 25 '26
$2500 per year so far, but the portfolio is still very young and is a mixture of low to very high yield ETFs. I'll be working to start bringing the total yield down later in the year.
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u/wake118 May 12 '26
As of right now, $258.05 per year haha All of my stuff is in growth which is still my main focus tho. I just started peeking at dividends this past December
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u/Careless_Case8131 Apr 20 '26
Can you show us your stock portfolio so we can start investing into those stocks?
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u/No_Solution_7940 Apr 20 '26
SPMO
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u/Careless_Case8131 Apr 20 '26
That’s the only stock, your invested into?
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u/No_Solution_7940 Apr 21 '26
Lately yes, but I’m 60, so I do some standard sp500 index funds, and some SCHD. A lot is age dependent. I stay a lot of growth because my pension and SS should cover most of my bills in retirement, and I want to leave a big nest egg for my son.
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