How Much $ You Need To Live Off Dividends (FOREVER)
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- čas přidán 31. 05. 2024
- Here is how much you need invested to live FOREVER off the dividends - Enjoy! Add me on Instagram: GPStephan | Paid Sponsorship From Public: Receive a Free Stock Valued Up To $300 when you open an account and make a deposit! Go to public.com/graham and use code GRAHAM
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THE GUIDE TO DIVIDENDS:
Anytime you buy a stock, that entitles you to a small portion of that company's profits - and, sometimes, those profits are distributed to you on a regular basis in the form of a dividend.
PROS:
-They’re somewhat insulated from the stock market.
For the most part, you know that you’ll get a predictable dividend payment - regardless of what happens with the market.
-Dividend Payments have also been less volatile than stock prices.
For example, the Simply Safe Dividends blog found that - from 1900 through 2018 - dividend payments remained fairly constant, with an average variance of +/- 10% during market downturns.
-Throughout Recessions - Dividend payments sometimes increase.
As Simply Safe Dividends points out, “in three of the above recessions…dividends paid to investors actually increased, including a 46% jump during the first recession following WW II.”
-Dividend stocks have been shown to provide a comparable return to the overall market.
www.hartfordfunds.com/dam/en/...
In fact, Fidelity found that dividends accounted for 54% of market returns during times when inflation was above 5%.
CONS:
-Dividends ARE NOT guaranteed.
Even though companies generally try to avoid cutting or reducing dividend payments, this does happen, and because dividends are often a reflection of a company’s profits, in the event of a downturn, they may chose to pause distributions until conditions improve.
-Dividend payouts mean nothing when the company itself declines in value.
In this case, earning 5% annually might actually LOSE YOU MONEY when the stock itself declines 30%.
-There can be tax disadvantages.
Unlike buying a stock and only paying tax when you sell, Dividends are taxed the moment you receive them - and, depending on your tax bracket, it could be as high as 20%, or more.
-Dividends could flat-out be “irrelevant.”
In this case, two well-known economists argued that - if an investor needs money - all they really need to do is sell the stock - and that, dividends don’t actually create any more value for the company itself.
From my perspective, though - MONEY ISN’T FREE, and even though you’re getting paid a dividend, that REALLY just comes out of the company’s cashflow that isn’t being re-invested to grow the business.
That’s why I think that the real benefit of “dividends” isn’t so much that they’re a better investment, or - that they’re superior to a stock that DOESN’T pay a dividend - but, instead - they give you the psychological benefit of receiving steady income, without the need to physically sell your shares to collect your money.
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My dividend journey began when I realized that two particular expenses in my budget were always going to go up and never go down. The two expenses were taxes and insurance. I realized that the dramatic rise in both will need some added income. So, I started buying shares paying dividends. I can now see that this will be the path I need to take to make sure those two expenses will not overtake my future income.
For beginners, self-education is crucial; learn the basics of investing through online resources like books and courses. Diversify your portfolio across stocks and sectors to reduce risk, and research thoroughly before making investment decisions.
I`m new to the stock market. Every stocks that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the opportunities so far. I believe having $450K yearly income would be a good investment so I want to plug all my savings into the market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a FA) do it for me? Please share your thoughts. I am kind of tired of searching for a good asset to buy and losing all the good opportunities.
Even with the right technique some investors would still make more than others, as a Capitalist, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to an adviser for management which was how I was able to grow my portfolio tremendously.
please may I know the advisor assisting you and how do I reach out to your Fiduciary?
I usually go with registered representative; Christopher David Pecktol, He provides a more grounded approach, looking at factors like market demand, regulatory changes, and adoption trends. This approach enable to make informed decisions rather than solely relying on emotional market dynamics
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
I could really use the expertise of this advsors.
Her name is 'Michele Katherine Singh’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
I want a balanced portfolio with growth investments, safe investments, and also focus on dividends to gain up to $20K monthly, my concern is picking the right stocks that can survive a recession. How do i go about this ?
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. Depending on the worth of your portfolio, you should consider financial advisory.
Agreed, my portfolio is well-matched for every market season yielding 85% from early last year to date. I and my advisr are working on a 7 figure ballpark goal, tho this could take another year. IMO, financial advisors are the most sought-after professionals after doctors.
I'd love to enlist a reputable fiduciary. How do I find and vet them?
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Holy S***. Bots are getting wild these days...
Transfer of wealth usually occur during market crash, so the more stocks drop, the more I buy, in the meanwhile I'm just focused on making better investments and earning more as recession fear increases, apparently there are strategies to 3x gains in this present market cos I read of someone that pulled a profit of $350k within 6months, and it would really help if you could make a video covering these strategies.
When I started investing last year, I avoided significant mistakes. I've focused on investing modest sums in stable businesses for the long term. If stocks perform well, I hold onto them; otherwise, I reinvest losses into profits. Recently, I made $9.5k from a $4k investment in NVIDIA.
Exactly, a good number of people discredit the effectiveness of financial advisor, but over the past 10years, I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure and that's fine by me.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
I use Svetlana Sarkisian Chowdhury and i highly recomend her
Thanks for sharing.
I was part of the recent layoffs at twitter and this bites hard. I am grateful that I kept some savings about; $600k and I am looking for ways to invest this into the stock market to generate good dividends to supplement for my monthly expenses.
Thats when you hire someone to manage your money. You need a financial-advis0r straight up! Even while $600k might seem like much, one bad decision might seriously deplete it.
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
Mind if I ask you to recommend this particular coach you using their service ?
*Sharon Lynne Hart* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Serious question, do you hate Elon? Or support him?
Warren Buffett's perspective on dividends is that they may not be beneficial if a company has better uses for its capital to promote growth. Instead of focusing on dividends, he suggests investing in companies with growth potential. However, some investors see dividends as a way to generate income. It's possible to create a portfolio that generates a dividend income of $50k-70k with a $1 million investment.
You're right! Compound interest is powerful, but many people underestimate it or lack patience. Investing in ETFs and index funds can be a reliable long-term strategy. Hiring an investment advisor can also help accelerate wealth accumulation. It's important for the average person to understand and utilize these options effectively.
That's right, I've been backed by a financial advisor for almost three years now, I started with over a hundred thousand and I'm just $19,000 away from making half a million profits from compounding and dividends.
I started out with a Financial Adviser called "Theresa Dana Peek". Her honest approach gives me complete ownership and control of my position, and her rates are incredibly affordable given my ROI. However, do your due diligence before contacting a financial advisor.
Buffetts company doesnt provide dividends
Who the hell has a million
Dividends from the stock market encouraged me to begin investing. What matters, in my opinion, is that if you invest and make additional money in addition to dividends, you will be able to live off of dividends without selling. It implies that you can provide that benefit for your children, giving them a head start in life. I've invested more than $600,000 in dividend stocks throughout the years; I'm currently buying more today and will continue to do so until the price falls even further.
It's always reassuring to hear from a seasoned investor who has weathered the storm and come out on top. When your portfolio turns from green to red, it might be terrifying, but if you have invested in great companies, you should just keep adding to them and adhere to your plan.
I wholeheartedly concur, which is why I appreciate giving an investment coach the power of decision-making. Given their specialized expertise and education, as well as the fact that each and every one of their skills is centered on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable developments, it is practically impossible for them to underperform. I have made over 1.5 million dollars working with an investment coach for more than two years.
talking about coaching, do u consider anyone worthy for recommendations? I have about 80k to taste the waters now that large cap stocks are at a discount... thanks
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Carol Vivian Constable turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
I just checked her out on google and I have sent her an email. I hope she gets back to me soon.
Like Warren Buffet said, dividends are only good if the business you're investing into can't make good use of that capital. So, if you're trying to invest in businesses with actual growth, looking at dividends is a waste of time. Why are you investing into a company if they're returning capital to you because they think you can make better use if it than they can. It's not much different from bond investing. The way I see it, if you have a $1 million at some point, that'd be enough to create a portfolio that would pay you between 50k - 70k in dividend income.
I agree! That's why it is advisable that you have to invest while you still have a regular job or earning a regular income, and do it constantly. You still need to have something that will keep you going even if you're investing. Good financial planning and money allocation is the key.
I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured some money in value stocks and digital assets,i accrued over $80K in dividends last year
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
A weak dollar can signal an economic downturn, making me to ponder on what are the best possible ways to hedge against inflation, and I've overheard people say inflation is a money-eater thus worried about my savings around $200k
Not investment advice, but me personally, I usually have the following:
15-20% precious metals (such as gold)
15-20% cryptocurrency
Currently, the rest is liquid and in a high yield savings account because I anticipate a market crash and I think I'll be able to buy up assets for cheap. Normally, it would be in various blue chip stocks, but the reason it isn't right now is because I only started making money recently and the price just isn't right on any company I'm interested in.
I don't have enough to invest in real estate yet, because I'm a college student and I'm working with
I hope that money is at least in a high Yield savings account. if you're not getting at least 4.85% return on that savings then you are likely losing money to inflation currently 3.7%
Personally i'd invest a large chunk of that, specifically into high market cap tech companies like microsoft and apple, but if you are older and presumably more risk averse, then maybe that's not the call you'd want to make.
The idea of investing a significant sum of money may be both thrilling and intimidating. There is potential for considerable wealth increase with the correct strategy. How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $3M over time?
A solid strategy can be a key component of an investor’s portfolio. Well, the bigger the risk, the bigger the reward and such impeccable decisions are better guided by professionals.
Yes true, I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $98k every month so I’ve been sticking to investing via an Advisor.
@@rebeccaartgallary
Impressive! I've actually been looking into advisors lately, the news I've been seeing in the market hasn't been so encouraging, who's the professional coaching you?
@@roberttaylor662
My consultant is Monica Amanda McClure, I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provided entry and exit points on the securities I focus on. You can look her up online if you care supervision. I basically follow her trade pattern and haven’t regretted doing so.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
There is potential for considerable wealth increase with the correct strategy. I want to know; How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $3M over time?
Chose quality stocks and follow them up. If you're not one for such complexities, seek a Financial advisor to guide you
How can one get a decent investment advisor? I wouldn’t mind getting in touch with yours. In few years I will retire and my portfolio will definitely need some management.
Looked up her name and her website popped up immediately, interesting stuff so far, about to schedule a session with her.
Thank you for this tip
@@MichaelBrenner-sj7nz Sharon Louise Count, what a lady and what a lay down the business way she has! I am well satisfied and I feel I have filled her up as well.
You cannot cut your way out of recession you've got to invest your way out of recession, the Conservative party are in the dark ages on policy they've got to think again. My primary concern is how to maximize my savings/retirement fund of about £170k which has been sitting duck since forever with zero to no gains.
@Margaret The truth is that people are finally waking up to the fact that our systems are breaking down in thousands of different ways all around us. Personally, the financial market seems like the only way to go with my long-term horizon (accumulated about £557,000 in earnings since May 2021), but if you don't have that time luck, it's a tough market out there down almost nowhere feels safe!
@@corrySledd I've known I've wanted to start investing for a few months but just haven't been brave enough to start due to the market so far since mid last year. I have 60k i want to transfer into an s&s isa but its hard to bite the bullet and do it. £557k is a huge milestone , Please whats your strategy ? i will love to have an insight.
@@corrySledd Thanks for sharing. I had to google to be sure.. her credentials are really outstanding!
Nah im conservative and still smart enough to invest. Its libs that have no problem with spending money we dont have😂
Did anyone notice Graham start out by saying…Whats up Graham, it’s guys here… made me laugh!!! 😂
Who didn't?
😂😂😂😂
Did he do that intentionally lol
@@camerongray7767 Probably.
It’s a old running gag
While I do enjoy the market news videos, these are the type of videos I really enjoy, explaining and teaching personal finance. Going back to your roots!
ah thanks!!
Definitely agree! Market news probably get more views these videos are what I personally love. I would probably just start with how much I need to invest to get $100/month, $500/month, and $1,000/month. Those are a little more attainable than having three million invested. Keep up these videos! Thank you.
Agree I missed these
Yes !!! I miss these videos
@@GrahamStephan I wouldn't look at paying taxes now for the dividend as bad at all. I view there being little to no chance that taxes won't be higher when I retire so if I wait until then to sell to move to dividend stocks for the income at that time I expect to pay a higher tax rate on the gains in what may be unfortunate market conditions to move my money to dividend stocks anyway. I see it as the safer way.
Initially got into dividends to pay for HBO max off of AT&T dividends alone.
Now it's my favorite way to save money and control my impulse purchases.
How much did you have to invest in order to pay for HBO max?
@@sunnycaljon5319 by my math, a bit under $2k of stock at current prices to pay out about $120/yr to cover the subscription. Not too bad!
What price did you buy in AT n T?
Lol, free hbo hahahahhaha
You're giving me ideas!
Might get enough dividends to pay the internet and electricity bill so I can just game all day hahahha
Thanks for mentioning the cover called ETFs. Glad to get your perspective on it. Was hoping for this one for a long time. Great video.
Wow - you do such a consistently good job on your channel. Awesome information. Thank you so much 🙏
So who saw the original?
Me
This one is now 2 minutes longer!
Yes. Quite an abrupt ending.
@@GrahamStephan that's what she said
@@nayr661 😂😂😂
JEPI JEPI JEPI 🙌🏻 , glad you included that here
Super informative video. Havent watched your content in a while but this makes me want to watch regularly again
I know I’ve got a lot of dividends by watching your channel over the years and smashing the like button for the CZcams algorithm!
This is the correct answer
Nice!!!
😂😂😂
Double watching for the algorithm 💪🏼
THANKS SO MUCH!
Don’t forget to smash the like button 🤣
Caleb!
If you watch at x0.25 speed it makes the algorithm think the watch time per view is great so it recommends to others.
Love the subtle shout-out to Andrei Jikh with the "magic trick".
Graham is so cool he is also mentioned in the candex insider newsletter
Good info, diversification is key. 👍
He's so happy about the Recession coming in, like he's super excited to be witnessing it.
He's young, so it's nice for him when the stock shares become cheaper.
Recessions make millionaires, I’m excited too lol
recessions are when stocks go on sale, only bad if youre about to retire
Very educational and I appreciate your transparency on your investments.
Nice video! The old video had kind of an abrupt ending. Nice explanation of everything! I enjoyed watching!
You got it! Yeah - should've noticed that earlier :(
@@GrahamStephan Thanks! It's ok. Didn't bother me.
Nice you took my advice and reuploaded!
Yep...there was too much that got left out :/
Great video and great advice! Glad I could help!
My three favorite channels: Graham Stephan, Stock Brotha, & Andrei Jikh. Make my week complete!
I nominate Mykie DYDSS to be considered for 4th place!
Here after seeing your Snapchat story about the re-upload! Great video, thanks again for the invaluable information!
Thanks Graham for dropping that knowledge and sharing your portfolio.!!
A 3,000,000 net worth of dividend stocks gets us about $90,000 per year to live on, which can be done even with relatively high inflation. I know this because I help oversee dividend asset funds for small investors with one to two million in stocks, and they typically withdraw $30k to $50k depending on how the portfolio is doing.
that's insanely big net worth tho.
do you have some tips for us?
I have a stock portfolio of ~$3MM and will expect that to be a bit higher than when I quit my job (within a year). I am 37 and have a wife and a 7 month old. Plan to retire (do what I want whenever I want). I would look into MLPs which are quite cheap at current prices and are tax advantaged distributions.
@@scottiebumich yeah, its good to have a mix of different types of assets as long as they are on major exchanges.
Idk of anyone that has $100k, let alone $3 million.
Very cool video, Graham! The topic is really interesting, and I would love to achieve the goal of financial freedom.
you got it! sure thing!
Nice Zenith! Great choice Graham
Here in Norway we have something called an ASK, translated to stock savings account. It's a special account where you don't pay tax when you sells stocks with a profit as long as it is not withdrawn from the account, same with dividends. Of course you don't get tax cuts if you loose money on stocks, so it goes both ways.
Begynner å kikke litt inn i dividende investering selv, betyr det at den doble skatten de fleste snakker om ikke vil være relevant for oss nordmenn om man bruker en aksjesparekonto? Og om du sparer med dividende selv, vet du om et bra sted å lese seg opp på om dividende som investeringsstrategi er fordelaktig i Norge?
i like that idea. it encourages keeping investments going. less money the gov has to spend on you when you retire...
If I had a dollar for every time Graham says dividend in this video, I’d probably be able to buy a stock that offers dividend
fractional stocks are a thing
no matter how many of these vids i watch im still confused. but this was probably one of the best ones yet. thanks for the info!
Switching Major from CS to Finance. I am obsessed with Finance. I only like CS when it is easy, and it is detrimental to my mental health when it is hard. Getting a medium CS job is extremely hard, so that will be detrimental to my mental health. If I switch to Finance in 2024 I will be ALL - IN and won't look back wish me luck!
Basically what you are saying is, if you have several million dollars invested in stocks, you're probably going to get a reasonable return passively. Not exactly earth shattering news.
My opinion for young people is you need to be both a dividend investor and a growth investor, basically how i made my first million also i use an FA Olivia Rene Reyes. For example if I just got a 1000% gain on Tesla and then pulled 85% of the money out and went into a load of more stable dividend stocks like CVX So I would say diversify, but also use those growth opportunities to build the capital to invest in the dividend payers (or in cash flowing real estate)
I recently dove into investing, namely dividend growth investing since it intrigues me. aiming to one day reach the big dogs.
was able to find her webpage and leave a mail after going through her credentials, i'm willing to make consultations to improve my portfolio
observing this, please. I also read about Olivia Rene Reyes online; she has a really impressive résumé
She really seems to know her stuff. I also found her online page and read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her
Why are so many bots
Thanks for talking about my favorite form of passive income.
The greatest most passive form of passive income!
Graham is the man
“I’ll leave the magic to the experts” 😅😅😅 love the andrei reference.
🪄
Should have talked about the power of reinvesting the dividends back into your dividend stock in return compounding
If you’re talking about a DRIP, it’s really not all that powerful. It’s more effective to take your dividend and reinvest into a company that has a better price point.
Thank you so much we’re on our way to financial literacy
the reason I buy dividend stocks is to get a check later in life with out needing to sell, I have DRIP turned on and won't turn it off unless I need the money its already saved me in 2020 when I had my hours cut.
I’ve been diligently working, saving and contributing towards early retirement and financial freedom, but since covid outbreak, the economy so far has caused my portfolio to underperform, do I keep contributing to my 401k or look at alternative sectors to meet my goals?
keep contributing! I'd suggest you consider financial advisory at this point in time, remember you are in for the long haul
You're right mate! I’ve been using a fin-market expert for two years now and I own a 7figure diversified portfolio from investing in stocks. Currently, my portfolio is worth over $900k.
How do I find this Lady?
Nicole Desiree Simon is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Just to keep it as simple as it will ever be: in order to retire you need x25 of what you expense now. Therefore, you need a ton to retire off of dividends, but do not let it deter you. Act now, grow your wealth and be surprised when the dividend snowball rolls.
invested where? If I am living off 600$ a month, that means i only need 180K$ , but SP500 will only pay around 2400$ a year
@@reuven2010 if you want to buy only one etf you might want to look at SCHD. It has a current yield of 3.77%. If you want an average of 600 a month you’d need about 190k in SCHD.
@@reuven2010 Is $600 a month enough for you now and in the future? How long would it take you to invest the 180-200k needed to supply you with $600 per month to live on? I make about 2.5X that amount per month with one rental property. Owning real estate would be a good way to jump start this for you imo.
Try to include inflation over 30-40 years into your dividend snowball, you will discover you need a lot of money invested in dividend stocks.
@@henrikf9015 if the growth rate is above/inline with inflation you be ok. If you have a diverse portfolio it should account for inflation and you can always reinvest your dividens.
Just wanted to say I fking love u man. Your advice are invaluable
One thing that sucks about stocks that pay high dividends is they often significantly underperform the market over long periods of time or even lose value for many years. Especially if you are spending the dividends along the way.
Thanks for this! Looking forward to implementing into my finances moving forward 💪🏽
Let’s go!!!
you got it!
"what's up Graham, it's guys here" 😂
would love to see more videos from you about stock options!
I'm here to comment on this version of the video. It looks like the last one just ended out of nowhere. Love dividends. Hate taxes.
One thing I was curious about is if you invest in an ETF that pays 6-7% dividends and reinvest those dividends, if the price of the stock is gradually going down isn't that a good thing for someone who is never going to sell the stock as the declining stock value would mean more fractional shares gained from reinvested dividends? ie, ASX:IHD
As long as the stock price is recovering eventually, the stock price going down is not an indicator that the company is under performing, or the dividend does not get cut for any reason otherwise your yield is effective lowered.
@@trederz977 with them reinvested right now it preforms slightly better than the sp500 however data is limited and i am not a financial advisor
The stock is priced by the collective wisdom of the market, and the market is typically correct over the long run. If the price is falling perpetually, it's a sign that the dividend is not sustainable.
Who tf have 3,5 million $ to invest?
It’s a very good video. I hope people listen: most won’t, which helps those that do.
I would love to see more videos like this again!
woohooo
Graham what are your thoughts on the Apple high yield savings account offering 4% + . Id love to see a video on this topic! ❤
Hello from Snapchat! SMASHED that like button and commenting for the algorithm. Very great video!
I have some stocks that are dividends but I don't have that many shares. I must have a lot of shares to get a good return. I get scared if I have a lot of shares the market can crash. 😂 But dividends do have it's pro's. Love this video.
A down market is the best time for dividend investors. The payment is based off income of the business not the value of the stock (generally speaking )
Mr Wonderful had said have 75% of dividend stocks
@@TonyKimCreMr Wonderful must view dividend stocks similar to how he views royalties
@@awesomebeast7509 Exactly. Return of investment and return on investment!
Same, I treat my dividends like interest since the amount is so little and I’m not gonna sell those stocks anyway.
Great video! Any advice for a 16 year looking to purchase a few rental properties?
czcams.com/video/bJx7_1rWC6U/video.html
If you have good intuition, buy on a hunch. It is imperative not to follow the herd because that could be your downfall! It's wonderful to be young, so bask in the glory!
Love this kind of content. Thanks.
Thank you for making the video informative and a lot of fun to watch.. learn a lot thx again 👍
Dividend growth investing is the best way to invest! In time it will add up and the compounding will take hold! In 20 years you will thank your younger self! 🙏🏻
Absolutely! Especially in a Roth!!
@@MykieDYDSS 100% that tax free millionaire status will be nice!
I hold a bunch of SCHD along with growth and other holdings, and use JEPI for a portion of my savings to help combat inflation while it's really high. Will probably have a similar setup in retirement as part of a 3-bucket strategy.
Ditch JEPI, SCHD is good but jepi will lose you money over the long run and the dividends aren’t worth the loss.
@@CFLDumpsters CAGR on JEPI without dividend reinvestment is about 0. It’s .27 on JEPIX since 2018. Flat price with big dividends works for me.
@@CFLDumpsters why is JEPI bad? I’ve been thinking about scooping up like 100 shares for the dividend.
@@BryanLankston it’s not proven and not sustainable, do some digging plenty of article explaining it. Stick with dividend aristocracts and diversify a bit with some growth blue chips like SCHG or VUG.
Clicking for the algorithm plus very informative
Love this one, guys!
I recently inherited almost $500k. I REALLY need to make this money work for me, and not just disappear over time. I've been scrambling for somewhere to put the money, where I can make an effort to use the gains to pay bills so I can quit my job or should force early retirement. All roads have pointed to the financial market of some sort which is a good idea buh where else should I put money besides the financial market? We have a 13% RPI rate so cash is tough.
Yep great question and that’s always the one - where would you rather be if you have an option. Personally I’m always invested aside from a small emergency fund. Financial-market for me seem the only way forward with my long time horizon (accrued almost $1.4m in gains since 2020 ) but if you don’t have that fortune of time it’s a tough market out there almost nowhere feels safe! . Just know the risk you're comfortable with . Mistake is expensive
put it all in the s&p 500
I agree with > @@jackhammers7572 Invest in index funds that track the S&p500. basically set and forget. buy extra when you can to boost your 500k further. the sooner you put the money in, the quicker it can start working for you.
When you're feeling like there's no such thing as passive income, dividends come along and say, 'Hold my beer!
Hold my $BUD
Good Information 📚 Taking Notes🤓
Early! Love it this is super helpful. Considering growth vs dividends for a while. Thanks Graham!
you got it!
Considering the economic downfall and the rise in poverty across the globe. I ask; What is the best way to achieve financial freedom?
If I could ask; who’s your financial Adviser and how do I gain more info?
I found the *professional’s page,* and wrote him an email and hope he replies. I plan to start investing right away and come back with good testimonials in the future.
real estate
Have no debt
Reupload gang
BOOM!!!
Ayo!
snapchat gang; would super love to see a video about the commercial real estate market like you were talking about, think there's some great investment opportunity there.
Did anyone else catch that he said "What's up Graham, it's guys here" at the opening. Made my day.
Selling Covered calls is my dividend
nice!
I'm this market you're better with puts but just my opinion
Perfect timing thank you so much!(I’m 18 tomorrow!)
Weird timing. Thank you 🙏
It’s a Graham Stephan world and we’re all living in it….
Does that mean you owe me rent?
@@GrahamStephan lol
😂😂😂
@@GrahamStephan 😂
invstors need to act cautiously but remain vigilant in monitoring the market landscape for opportunities to pick up high-quality assets at discounted prices. These are difficult environments, but they also coincide with the best opportunities.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started . They helps to manage investment overall risk profile ,
Many people across the world are doing this night and day so this is not advice just expected.
appreciate the insight, Graham!
Great video as always Andrei!
With my projected 401k investment plus rental income at the current amount i charge for rent, I'm on track to make 100k per year in retirement. Diversification helps. Starting early also helps. Turning 28 soon.
I am 21 just got a new job when i get my first payment it goes straight to stocks too boost my portfolio to eventually go into real estate aswell got any tips im currently reading rich dad poor dad books and watch allot of videos to stay up to date
Allot of videos to stay up to date
@@zdgfh6019 I personally find real estates being too risky and low profit compared to stock market. But if you are handy and can renovate then you'd might wanna look up some older and cheaper real estates and get profit through renovating them.
But that's just my opinion.
@@zdgfh6019 "Rich Dad, Poor Dad" is mind-shift book. It seems you already have an investor's mindset. Still worth the reading imo. The perfect companion book to that one is "Set For Life" by Scott Trench. That book gives you the actual nuts and bolts blueprint of how to invest, since Rich Dad, Poor Dad lacks specifics.
Graham, did you used to be invested in Vanguard ETFs, or am I making that up? I noticed in the video that you are in the Schwab overall market ETFs. If you did make the switch, I’m just curious as to why. Regardless, I appreciate all the work you and your team put into your videos. Keep up the great work!
@@brucerowe2895 what is wok?
@@johnnearhood3134probably woke
@@johnnearhood3134 should be woke. Thanks.
Anyone else notice him starting off the video saying “What’s up Graham, it’s guys here”?
If you could post an update video about where to invest again it would be greatly appreciated.
Hi
HEY!
Me, subscribed to Graham for years waiting for him to reply since he will "do his best to reply to as many comments as possible" :)
here you go! :)
This is your only comment on his channel tho
Plot twist, it’s Graham posting on an alt account. Is that what he means when he says “what’s up Graham it’s guys here”??
@@GrahamStephan no worries and thank you for your videos
this is a sick vid bro thanks for watching
JEPI isn’t a pure “covered call ETF” like QYLD is, that has a declining NAV. JEPI uses ELN’s to write calls on 20% of its holdings. The other 80% of its holdings are high quality companies that pay dividends.
He's an idiot when it comes to stocks / etfs.
Did you reupload cause you forgot the ending? Hahah
Maybeee
I was an unexperienced stock trader and i lost over $30K when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I find one source to recover my money, at least $5k profits weekly. Thanks so much Mrs. Maria Reyes
I'm surprised you know her. I've been making a lot of profits investing with her for a few months now
Mrs Reyes changed my life because of the high profits I got from investing with her.
You invest with Maria Reyes too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
Much love from Baton Rouge, Louisiana
Great video and awesome info as usual.
Gotcha, all I need is $1.6 million 📝
Right? Let me check between the couch cushions.
@@trueLuminus only 1.6m pshh
It’s not that hard if you start young and put away 100 bucks a week.
Great video. I love seeing content like this
you got it!
GRAHAM THE MAN 🙏🏻😎
HEY!
It always takes him forever to get to the point
Then why do you keep watching? Lol