How To Make $3,000/Month In Dividends With Only $25/Week 💰
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- čas přidán 10. 02. 2024
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In this video, I’m going to show you how to make $3,000/month in dividends with only $25/week. Throughout the video, we’ll be comparing 3 different dividend portfolios: one that has a low dividend yield, but offers a substantial amount of dividend growth, another that is the opposite and has a high yield but low dividend growth, and the third portfolio will be somewhat of a hybrid between the first two to give you ample dividend income that also will continue to grow over time.
The ideas and opinions presented in this video are meant for informational and entertainment purposes only, are not intended to serve as a recommendation to buy or sell any security in any account, and are not an offer or sale of a security. They are also not research reports and are not intended to serve as the basis for any investment decision.
Which approach do you take in your portfolio: low yield/high growth, high yield/low growth, or a hybrid approach? Let me know in the comments below! 👇
Why not trade only with low dividend yield but selling at good profits. Take the profits and buy other low stable dividend yield stock and trade again. There's always some company that is down and we can take advantage of that.
I follow the low starting yield for more growth. But do carry a few higher yields, just some companies I feel good about.
@@jorgesoares789 you could certainly do that
@@GreatGodNyx nice!
@@rynewilliams Im with that dilema. Like. I have stocks with 40% profit. Paying 3,5% year. This is 11 years of dividends. it's super hard not to seeing things like this and not sell. 🤣
ThanX Ryne... Another great job and video.... Let's keep making money...!!
Heck yea!
Well done video Ryne! Really enjoyed it. Have a great day bud 😃
Thanks Dean! You have a great day as well 🙌
I don't invest with the thought of whether something is hi-yld/hi-div growth. I just buy quality companies and ETFs and do so on the individual merits of what I am buying. I am nearly 58. Your portfolio yields more than mine and admittedly has a higher div/grth rate. Most of my dividends come from my Roth IRAs. My taxable accounts are slowly catching up to dividends produced from my IRAs while my IRA dividends are also increasing annually.
It sounds like you have a great strategy in place my friend. Good job!
Great video Ryne. You are speaking my language.
I will add: Be sure to add extra contributions AS you save extra money, as well. In addition to, and not replacing, the dollar cost average that is on autopilot.
Agreed man!
amazing stuff
Thank you!
I've been thinking about whether I should hire a financial advisor. Are there any real benefits to it, or is it just an added expense?
Actually, using a financial advisor can be incredibly beneficial. They can help you create a personalized financial plan tailored to your goals and risk tolerance and also provide valuable insights and advice on investment strategies, retirement planning, and tax optimization.
My colleagues had a good laugh at me when I told them I started my journey with $5k capital and how I accumulated over $200k within a span of 7 months. They never believed me until I pulled out my P&L.
I was skeptical at first, but after working with a financial advisor (Melisa Aurora Benadivez), I’ve seen significant improvements in my financial situation. She’s helped me make better investment decisions and saved me money in the long run.
I'm slowly transitioning to a hybrid portfolio to balance high yield and high growth stocks for long-term stability and growth.
Nice!
Hi Ryne
Excellent video like always. I started with high yield/ low growth but started now to buy high growth i think the hybrid approach is better.
Thanks for sharing Rui!
great video. what are some that are hybrid? You mentioned dgro for low yield high growth.
I think SCHD could be a hybrid. Decently high yield and very high dividend growth rate
Excelent video Ryan
Thanks Carlos!
Can you make a video about Direct Indexing with Fidelity, currently thinking about using the $5,000 minimum buy in
Always doing the hard work for others ..
Thank you!
I'm slowly changing to a more hybrid portfolio. I'm getting out of some companies with high yield/low(or no) growth like T, VZ, WBA and LEG. I'm keeping some higher yield stocks like MO, MAIN and O. Basically trying to get my overall yield down to 3% from high 6% and div growth to 10%+ instead of the ~3% I have now. Even if I get less dividends now, I'm confident my future income will be higher and also have a lot more capital gains.
I think that's a really solid approach. I'm working on doing more/less the same thing in my portfolio
At 4% inflation in 29 years $1000 dollars is reduced to $430
In my opinion, dividend growth stocks generally offer more stability and long-term value compared to high yield stocks. Even with a modest dividend growth percentage of 10%, the potential for increased returns over time is significant. Just imagine the potential if the growth rate were 15% or higher. Additionally, high yield stocks often carry the risk of price depreciation and dividend cuts, making them less reliable for consistent income. And then again it depends on how long your horizon is.
Well said. I'd be stoked about a 10% long term dividend growth rate haha!
I'm definitely hybrid, with voo, schd, and jepi....so far. I'll be looking at 1 more when I cross the $15k portfolio.
Sounds like you have a great balance with all of those, nice job
100% VTI and see you in 40 years ROFL
Joking aside, if young I would go the high Div. Growth route.
Haha that wouldn't be a bad way to go though. VTI is a very set it and forget it approach
keep pumping out those financial informational videos Ryne!!!! being that ill be 50 this year.... i would lean more to high dividend/low(no) growth.... I'm currently at 1000 shares of QYLD and basically rounding up my share count by 50 shares a month.... with DRIP, I get 10 shares every month, so purchase less and less....
Thank you my friend! Keep up the good work
I'm in the same position. Turned 50 last year so I'm using the same approach myself
Think about ya kids and their kids. If you’re comfortable just enjoy the ride knowing ya grandkids won’t be worried about anything.
True that
Exactly 🎉
Luv the ETFs. I own both SCHD and DGRO. SCHD is one of my cores in the managed portfolio.
I also own VPU (utilities ETF), AMD tech stocks, but I also own an individual utility company like DUK.
Solid!
I have started with high yielders until I reached $1000 dividend a year. Now I am starting investing in hybrids. I do not have time nor reason to "wait" for low yield/high growth at my age. I have other stocks (ETFs) too that are much for growth and yield around 4%.
Fair enough!
Great video! Pls can you do a video on how much you'll need to invest every week or month to get $3k dividend in 10 to 15yrs!
Thank you! This video here might be up your alley: czcams.com/video/DCo5m_39X2o/video.htmlsi=r0k2nN-SdA9OM3GU
Wow great video
Thank you!
I mixed it. all my stocks are above 8% growth and some have a medium yield and some a low yield. So I have both -> strong growth around an average of 11% and a yield around 2,4%
Nice!
Another great video. I am going to start this approach either etf. In the uk, we don't have DGRO. Is there a etf similar. Thanks
I've heard of one called VHYL that might be similar
@@rynewilliamsThanks
I use the hybrid approach Ryan. I have 71 holdings at the moment totaling about $50,600 in value including $4,000 in cash. I have high growth stocks with low yield like Apple, MSFT, GOOGL, LLY, NVDA, META, PG, AVGO. I have high yield stocks like Altria MO, ENB, Reits like O, WPC and VICI, and BDCs like MAIN, ARES and SLRC. I recently added three ETFs but they are only about 1% each of my portfolio. They are SCHD, JEPI, and TECB ( up 46% on TECB in about a year).
Nice! Sounds like your portfolio has a lot of good stuff going on
I'm an investor in my 60's so I'm leaning toward high current yield. The trick I'm finding is to avoid yield traps. I got beat like a drum by PSEC.
Definitely have to avoid those yield traps
Hell yeah brother! Now let’s see it if you start at $25 and double every year! Let’s go! 🔥
Oh that’d definitely supercharge the growth
We r 40 and focus more on growth ETFs , but the closer we get to retirement it will be SCHD and SPYD
Nice!
Sorry, im new to the channel. do you have any videos for beginners? I searched and cant find any from you. Like to see what apps are best to buy dividends in UK. Great video and thanks
I do have some. If you go to my channel, you’ll see a playlist titled something like “New To The Channel? Start Here” front and center. The videos in that playlist would be a good place to start
Yeah JEPI would be nice - there is an european-equivalent JEPG (starts a view months ago from jp morgan) but this one is another construction and not the same as the JEPI. I don´t think its as good as the original, but a good way to invest in european market. Future will see how the JEPG works...
At all i think a mixup of growth and income is the right way. In my opinion 20 to 80 %
Another thing is that ETR-Costs a much more higher in the european-ETF as in the US.
I think around me in germany it´s not possible the huge up investments cause it´s prevented from state
Just put 225k in svol
Interesting 👌
Thank you!
Hybrid, aristocrats and kings on cruise control $1000 a month various stocks and of course SCHD. I can already taste my Vegas retirement. 🍻
Haha I love it. Are you planning to retire in Vegas?
Any alternative ETFs that are similar? Sadly, DGRO is not available in my country
Maybe look into something like VHYL. I've heard of that being a decent alternative
im going VTI, and bitcoin etf when I finally have money to invest...
Rookie question, if I have $1mil in that DGRO and 2.5% yield, I will get only a bit above $2k/yr as dividends. So how are you getting $3k/month with 1/2 the portfolio size? Thanks.
The calculation you did only reflects the income you'd have upon making a lump sum investment of $1M into DGRO today. Over the years, dividend growth will allow you to have a higher amount of income with a smaller portfolio size.
High-yield monthly income. That's it. Your goal(s) may be different.
Hi ryne my porfolio tracker the dividend percentage yield is not working all. Any suggestion thank you
Yes I fixed the issue and updated the template. If you email me at ryne@retirewithryne.com I’ll send you the link
Where I live, we have 0% Capital Gains Tax, 0% Dividend Income Tax and 0% Tax on Income Earned from Interest. I'm hoping to continue investing aggressively 100% in VOO and seeing where it gets to in 20 years or so, then evaluating what to do with the total portfolio - whether to re-invest it in dividend-paying shares or take it all out and invest it locally paying out 5% annually guaranteed.
where do you live?
@@robertswift6101 Gibraltar, Europe. It's a British Overseas Territory attached to South Spain.
Hey Ryne, what do you think of the super high monthly dividend funds IWMY, QQQY and JEPY? I'm a 75 year old retiree and I just added 500 shares of each of these three funds to my somewhat "safe retirement" dividend portfolio. I'm thinking of accumulating more. Am I nuts??
I honestly haven’t researched any of those, so I’m probably not the best person to ask about them 😬
Awesome video Ryne, happy Sunday! 🎉
Happy Sunday man! I hope you have a great day
what app or platform are people using for this type of investing? im from the UK if that makes a difference :)!
I'm not too familiar on what people use outside of the US--maybe platforms like Vanguard of Interactive Brokers or something. I personally use Charles Schwab!
Although it is gonna take decades while you save all those years you could put the rest of ur money in other things that can make money back quicker to hold you over but at a certain age u can literally just retire from everything and never work again
Great video as always ryne! Seven months into my dividend investing journey. I have started off with more high yield stocks that are dividend aristocrats/kings. So far i am almost at $1000 a year from dividends. I am now starting to add some low yield/high growth stocks into my portfolio and the dividend payouts will help me boost my new positions faster
Smart move man. Thanks for watching!
Does dividend snowball really outperform just investing in high growth stocks and then just selling them and then buying into dividend stocks?
It depends on a myriad of factors
Perfect video to listen to during my chest workout
Crush it man! 💪
how long you have to hold stock to get dividend?
You just have to own the stock before the ex-dividend date to be eligible to receive the dividend
If I buy and sell the same day do I eligible to earn dividend?
I'm new to investing.
Your way of explanation is very on point.
I have a question though:
If I'm investing twice as much or 4x as much would It cut the times in half?
I have a good salary and I can start a hybrid portfolio putting 100 dollars every weekend.
That would mean I can receice 3000 dollars in 9 years?
Because the growth of a portfolio is exponential and not linear, the time/contribution relationship isn’t linear either. In other words, investing 4x as much won’t make things happen 4x as fast. It certainly helps cut down on that time though!
@@rynewilliamsThank you for your answer.
Is there a formula to calculate in general?
When you mention investing $25 a week. Is this solely into a brokerage account or do you also consider 401k or HSA investments from an employer as well?
You could do it in any type of account
More or less one would around 800k-900k dividend portfolio to generate $3000/month in dividend, with 4% yield. True or no?
True! 4% of $900k is $36k/year
I'm waning to say hybrid, I have around 3% dividend yield and above 10% dividend growth overall with my portfolio. The key is having a long term mindset, that dividend snowball is so powerful!
Those are some very solid dividend stats man
Is this time frame collecting the dividends or reinvesting them to buy more stocks?
Reinvesting!
@@utiguy69 when you’re ready to use the dividends, you can stop reinvesting them and transfer them to your bank account
@@rynewilliams is the dividend income taxable or tax free
@@utiguy69 whether or not you pay taxes on your dividends depends on a myriad of factors
@rynewilliams how do I make it so it's tax free?
Im 18 and just recently started investing my portfolio is rn £1500 and i have a bit over £1000 spare to invest what should i do to learn where i could invest this money
Great job getting started my friend! To learn where to invest the money, I would start by watching as many videos as you can on the subject. That will help build familiarity and can give you some ideas. There are a ton of great channels in this space that you can learn from
If you want something basic with 0% headache...
Realty Income. Pay something like 4.62 annum Yield. And that's split into 12 payments paid monthly. So with 1000 you would be looking at something like 46 dollars/pound a year and just under 4 £/$ a month
Reinvest and more funds invested that will climb significant
If i start back dooring my 401k to my roth so i get tax free income and i start spliting my shares into 2 accounts i assume the growth will stay the same? Vs. Keeping it in one account.
If you look at your portfolio as a whole, it'd be the same. 5 shares of a stock in 2 different accounts is the same as 10 shares of that stock in 1 account
Thanks
So FORD yield is insane rn, is it stable?
I have watched ford for a while and wish I would of bought when it was $6 lol
I'm not sure how stable it is. It's a company I don't personally follow too closely
@@rynewilliams it’s so volatile it’s insane. I have watched it for a while and I would prob only buy under $10 at this point
Dividends for dummies what where and how lost please help
Just keep watching these videos and you’ll get the hang of it. It’ll start to click!
Hi ryne
What’s up Michael 👋
Im sorry brotha i get alot of backlash for this all the time but id rather get the big money now vs later. But only because im active with my investments and I allocate a % of the right now money to build and boost the later money. For the companies that dividends arent reinvested.
Man you don't have anything to apologize for. Do what you think is best!
Hybrid for sure! Ryne
I’m with you!
Is this a start for someone who has no experience and not really a grasping of what you're saying? I know its about investing stocks but, after that🤔
I think investing $25/week into ETFs would be a great place to start for someone who has no experience!
What about investing a 400$ in stocks and then let it there ... would that generate a passive income 😅? Talking about buying stocks on interactive brokers platform. And we as south Africans just a $400+ is considered a lot of money
It would be a great start for sure. Ideally, you'll want to consistently invest over a long period of time, even if it was just a few dollars at a time
I started both my daughters IRAs and I am currently putting $20 each...they are 12 and 14 right now. Wished my parents had done this for me 😏
Great job! They will be so far ahead because you're doing that for them
How did you start them IRAs if you have to have a source of income and I’m assuming they don’t have jobs at that age I’m wanting to start one for each of my kids they are 1 and 2 yo and looking for a loophole around they “source of income”
@@colekennedy5057 I have my own account with my job, which is not a ROTH plus I have a pension...Im going to pass the ROTH to them. They are my beneficiaries.
With 7 years until retirement, I'm more of lower dividend, and higher growth. My portfolio currently consist of 13 ETFs and 1 CEF that is yielding a nice 5% dividend.
Love it!
What about BND as 25 a week?
I wouldn't expect much share price or dividend growth over the years, but some bond exposure may not be a bad idea
Love dividends, the only real and truly passive income. Unlike what TikTok says
TikTok doesn't like dividends?
@@rynewilliams their idea is dropshipping, 100x leverage on housing, vending machines, etc. Things are 100% not passive
Question for you how much money do I need to invest to get $2000 a month?
I got $10k already and like to know if that possible to make $2k per month on it. Where should I invest it at.
Thx
Hybrid but svol at core
"Skin the cat" ? omg
I’ll be honest I would pick all 3 here is how my breakdown works my taxable I would take high yield maybe some modest hybrid my Roth IRA I would pick high growth low yield and my HSA I would take some growth but also more safer investments to sum it up all 3 works depending on your goals
Makes sense. That'd be a very well rounded approach
And as for putting money aside I do $400 ea month
$100 per paycheck I get 4 paychecks per month from the 2 jobs I work
I’m getting close to my retirement age of 60 and I’m only be getting $1885 per month from SS money
So I would like to know how to get at least $2,000 more a month from investments
Right now I live on $6200 a month from two jobs so 1885 is prenuts for retirement
Please advise Thank you
I would say just keep investing! Over time, your investments should grow to be a nice supplement to your SS money
Dam u got the money whew
Would you get the $3000 a month if you just three the 50k in today?
Try it out! This is the calculator I used to crunch the numbers: www.marketbeat.com/dividends/calculator/
it stable?
What do you mean?
Hybrid approach... Started out with 1K and 10 positions a little over two years ago.. Have expanded the portfolio to 34 positions and 15K... Hold some stalwarts and a few "risky choices".
You're on the right path Kevin!
I wish I was 20 years younger. You are awesome.
You're too kind my friend, thank you! I wish I was 20 years younger as well haha
I’m fine with hitting 1k a month from each ok 15 years lol
SCHD and DGRO
Great choices
Love your videos but i dont think i have 37 years left to live lol
I get you Tony. You'll have to bump up your contributions then, and invest more than $25/week haha!
@rynewilliams would like to know what calculator you use.. have about 10,000 to invest and can contribute 100 a week..would like to see how much that is is 10 years
@@tonyk6154 it’s this one right here: www.marketbeat.com/dividends/calculator/
I'd say I'm 80% high growth.
Nice man. From the little I know about it, it seems like you have a killer portfolio
@@rynewilliams thanks I'm very happy with it. It's been a 25 year journey so far.
How much money do you have to invest in DGRO for a 3000 monthly return. A million + a year? Sheesh
It’d be nice if it were easier, wouldn’t it?
👍🏻
One day...
Absolutely, keep climbing!
greetings.
Same to you!
I love your videos but can we have how to generate £1000, £2000, £3000 per. Month with dividends fast. Within 5yrs/10yrs. That’s more realistic in terms of of our lifetime.
You're just going to have to invest A LOT more money. I actually talk about that towards the end of this video here: czcams.com/video/h_4OfrZn4Lk/video.html
Put your tax return into it every year and it will generate more wealth sooner
Good enough for me lol 🤷♀️
Haha there you go
1000
Good morning. 🌞 I moved to LA from San Francisco to be with my parents during Covid lock down. This Summer I’m moving out. I’m a single mom business owner. I feel anxious because I just read an article of nurse making $100000 a year and moved back home to save. I’m investing in reliable stocks. I started old, however, at least I’m starting so I can have some passive income in six months when I move out. The economy is going to tank that is inevitable. I do pay attention to solid companies. Nerve racking to know we sold farmland to Chinese near military bases and no reporting by mainstream media. I will not vote Democrat. None I like. I like Tulsi and Kennedy. Trump 2024. The judges verdict is going to screw up real estate market in New York. Peace ☮️
Thanks for sharing!
I live in Missouri. The Republican senators voted to sell land to china. That was not Biden.
@rynewilliams how much do you think I would need to have invested to generate $2000 a month ? I have schd, Microsoft, qqqm, VTI. Microsoft and schd are in a Roth. The rest in a taxable and schd also
I have 21k invested so far
I'm not sure to be honest. You can use this dividend calculator though and crunch the numbers. This is what I use: www.marketbeat.com/dividends/calculator/
@@rynewilliams thank you. I love that you reply to your people. I hope you make as much money as you desire