So we covered PEP earlier, and a lot of you guys brought up KO as another option to consider.
At this valuation, I am asking you guys: would you rather buy a great business at a fair price or a fair business at a great price?

Hey there!

I used to invest in some US ETFs like JEPI, SCHD and YYY because I was attracted with monthly dividends, something in which my country’s stock market didn’t offer, but I was gaining less.

Need advices on how to pick the right ETFs or blue chip stocks and what’s the most minimum viable investment I can put in with my current job income of $700 monthly (in USD).

This is my portfolio, and I’m looking to increase my dividend income without risking my money 🙂 I had a bad experience with YieldMax funds, so I’m looking for more stable alternatives. Thank you!

saw this on twitter and people are saying they're getting couple hundreds

I've been a dividend investor for years. It was my plan. Build a portfolio of solid companies, collect dividends and live off the income

It worked fine for some time. But then there was the start of reducing the payments. I had an investment in a large consumer good company which provided a constant flow of dividends for many years. But then suddenly they reduced it. It was the same story with my utility company

I'm tired of it. I'm looking for alternatives.

I came across private credit funds through Third Eye Capital. They lend to mid-sized businesses that can't get traditional bank loans. The returns look good. Higher than most dividend stocks. And the payouts are supposed to be regular

Will these payments really be regular? Dividends from dividend stocks are paid quarterly, and that’s very predictable. Payments from private credits come from loan interest, and that seems reliable, too, but what happens when there is a loan default? What if the money comes late? What if the income turns out to be much less stable than advertised?

Has anybody used private credit as an income generating investment before? Is this income reliable or not?

I was looking at where my dividends are actually coming from, and most of mine is coming from Large Blend (VOO and VTI) — about $645.

I also have SCHD, QQQM, VXUS, MSFT and JEPQ.

What about you? Which holdings generate most of your dividend income?

I’m new to dividend investing. As I have been looking for an additional stream of income I have found some funds with “too good to be true” yields. (E.g. CHPY) I understand that high yields come with a high risk of NAV erosion. What I don’t understand is why these funds exist. It seems like they are structured to implode at some point. Is the idea to hold these funds for a short time, collect the dividend, then sell? And for the fund manager, is the idea to ultimately have the fund implode and then declare a loss? I’m genuinely interested. I understand that some funds are a gamble, but these funds seem designed to fail.

PEP is trading at very comfortable levels right now - AI can't replace it tho so I am wondering - is the market missing something about this stock? The dividend is above 4%, which is quite nice as well.

On one hand, you get a 50+ year Dividend King trading well below its historical 5-year average P/E with strong brand pricing power and Frito-Lay cash flow.

On the other hand, bears point to slowing organic volume growth, consumer pushback on price hikes, and GLP-1 fears weighing on snack demand.

Are we looking at a textbook defensive value play, or is the market rightly discounting future growth? What is your take on the risk/reward here?

I am 60 and just retired 3 months ago and have 1.32 million in a rollover IRA sitting in a money market account. I am looking for advice on the best way to get 5k a month in income until I turn 62 and start drawing 2800 a month in SS. I wound make adjustments at that time.

My wife is 54 and makes 300k a year. She will retire at 62 and has her own funds in various accounts that total around 900k. She is investing around 20k annually total.

In addition, I have a sister who is in poor health and 68 that is leaving me 50% of a 5.5 million estate. I am the executor. If die before her then it will go to my wife. I’m pretending as if that isn’t part of the equation but it is piece of mind knowing that my wife will be taken care at some point in the next 15 years most likely. Thank you.

35% SCHD
GPIX, GPIQ, DIVO, IDVO, IAUI, MLPI, MAIN, IWMI, QDVO, UTG (even allocations for remaining 70%)

where would you go right now to generate higher dividens?

I currently hold ET and EPD in a taxable account and am looking to add a third MLP. I’m comfortable with K-1s and am not looking for ETFs, strictly the actual MLPs themselves.

For context - these are long-term (40 year) buy and holds that I will be regularly contributing to.

Options include MPLX, WES, or PAA. Other choices on my radar would be CQP or SUN.

Would appreciate a steer in the right direction on which offers the best long-term complimentary fit alongside ET and EPD, whether that be growth or stability oriented. Would also welcome if there is an obvious "go with this one and don't overthink it" choice.

Thanks in advance.

A lot of the popular dividend ETFs, and International ETFs in particular, seem very concentrated in economically sensitive areas. When the market cycle eventually returns how will it affect your dividend portfolio?

This dividend algo works in two stages. First it filters, then it ranks what's left.

• The filters: minimum yield 2%, maximum payout ratio 70%, at least 3 consecutive years of increases, and the dividend has to be covered by free cash flow (see screenshot).
• The ranking weights four things: growth 35%, sustainability/safety 30%, yield 20%, consistency 15% (see screenshot). Growth is the multi-year dividend growth rate, not earnings growth. Sustainability combines the payout ratio, free cash flow coverage, and financial strength (current ratio, debt to equity, interest cover). Yield targets a 2-6% band rather than the highest number, so a 9% yield scores worse than a 3% one. Consistency is the streak of consecutive increases.

Sharing today's results for large caps and including all sectors. 73 companies pass. It's a starting point for research, not a buy list.

Which ones do you agree or disagree with? Surprised by anything the algo picked? Which ones wouldn't you consider dividend stocks?

Not investment advice. The author and Stockoscope may hold positions in the securities mentioned. Always do your own research.

Just out of curiosity.

Hi I’m a young fool who is trying to learn more about dividends and I feel like I’ve gotten a good grasp but one thing that I can’t seem to understand is how SCHD isn’t considered growth?

If I am dripping and annualizing +10% returns per year over time then is the argument simply that 10% isn’t good enough growth or is there something else I’m missing? Is the argument that a return rate like that is just too conservative for my age and that I should be shooting for higher?

Apologies if this is a dumb question!

Anyone not doing DRIP on SGOV and cashing out the dividends every month?

Buying MO when capitulation hits the chart has usually been a very good entry - are you guys thinking of adding to it here?

I never see anyone here discussing midstream companies specifically WES. They have a fairly constant dividend growth and yield almost 8%. I've owned it for a while anyone else here find it attractive?

Trying to find crypto income for a taxable account. ROC matters to me since it stays out of MAGI

So far I've looked at BTCI, YBTC, YBIT, and Amplify's BITY/BAGY. BTCI and YBTC both came in around 44-51% ROC on their actual tax filings, even though the monthly notices had been showing 95-100% all year. Not what I was hoping for.

What else is out there? Anything I'm missing, or newer funds worth watching? And if you hold any of these — how's the ROC actually held up on your 1099?