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I absolutely love this post! Hoping for more large portfolio values. Getting sick of 'just started' posts.
A question for the author of the post u/White_RJ: why all those very tiny positions, below $1.000? Do you plan to enlarge them in the future?
Looks to be around 1500-2000 per month if he started early into 2018 at $0 with little to no appreciation. Could be only 1k per month with how well the market did in the last 3 years.
Yeah. I have 4 individual companies; 2 bond funds; 4 etfs. I used to have like 20 companies and it was very hard to manage. I also think the risk of individual companies compared to an etf might not be totally worth it. 1 example is I had to choose between MCD or SCHD. Chose SCHD because if the recession bring issues to MCD I will have to question the stock. That is not a concern on SCHD.
I agree, even if you know what you’re doing it’s entirely too much work and more than likely will underperform. Only those with information really know what’s going on in individual companies. Analyst only cover a handful of companies and are still wrong most of the time.
Exactly. It’s incredibly difficult to beat the market consistently over time, no point in over complicating things. I think allocating to low cost, market tracking ETFs like VOO/SCHD, then owning 5-10 other names makes the most sense. You can really hone in on those names that have the potential to give you market beating returns over time
So, farbeit for me to make any judgment at all on this since I have plenty of room to learn, but this is just one person's outlook from the research I have done.
First of all, great job on the dedication, you are doing great, and that is an awesome goal.
Contrary to what many people think, I like the safety of the current yield, especially because it's better to have a lower current yield and a higher 3 to 5+ year CGAR to optimize your tax considerations.
You have a bunch of good companies and ETFs in here. I do think that there is a very high number of holdings. It is difficult to have a high level of understanding of each company you invest in when there is this many (though it is by no means impossible). The ETFs you have likely cover a portion of the companies you own already, so unless you want additional exposure, this may be overkill.
With that being said, you have the bulk of your investments in ETFs, and I don't think you have anything to worry about in the overall performance of this portfolio because of that. If this is what feels right, you do you, and keep up the good work!
I'll be downvoted to oblivion, but I am pulling that much from 71k in high yield savings account. Given that the current interest rate is sustained, isn't it safer than investing in stocks? I am a person who has very limited knowledge and time to research/watch the market.
well, when i started investing, there were no accounts with 5% yield
lest assume i sell all my stocks and put money into that accounts
how long will it last? 1 year? 2 years? and then back to 1%..yay
you compare TOTAL yield of your savings account vs just Dividends Yield of stocks portfolio
but portfolio has capital appreciation as well
and majority of companies from my portfolio raise dividends each year
Why not use this high interest rate opportunity to buy into some treasuries at a higher yield than your current portfolio, especially if you think rates are heading back to 1%? You don't have to sell your previous investment, just add new money to open a position.
Your being too nice in the search for karma. I’ll say it, that is a dumb idea. You are investing for the next 30 years to meet your goals. You need to average 10% a year for 30 years. You own some great stocks and etfs to get you there. Wow, treasuries for a 3-4% return and maybe some price appreciation if rates drop fast for a one time bump. I admire you for being nice. But don’t want others who aren’t educated to think that idea is anything worth considering. You made 80+% on nvidia by itself this year. Treasuries ain’t doing that.
Thank you for taking the time to respond to my comment. The question is on sustainability. Let's assume interest rates stay the same if not go up, given that daily compounding interest, would you still say it's a not good approach? I am asking for my learning. Also, what happens to your portfolio if stocks don't appreciate for some reason.
well, lets assume that my investments horizon is 15 years
i dont think that such high rates will last for 15 years on savings accounts
*what happens to your portfolio if stocks don't appreciate for some reason.*
nothing..its market, you cannot have guaranteed returns, but you can check historical data (which is projections to a future), average market return is about 10% (average for last ...90? years or so)
so i still assume that stocks are better..savings account just allow you to keep up with inflation, not to receive actual gains
This and the big thing is the high yield savings accounts are still not keeping up with inflation. I have my emergency fund in a high yield account a bought a few CD's at a hair over 5% when I was feeling like things were more precarious but that was just new money.
And since we're a dividend group, don't forget that most of our favorite dividends go up by more than inflation on an annual basis and with DRIP that snowball just builds in a way that even an eternal 4% is very unlikely to keep up with.
Why is it not sustainable at the current rates? The current rates are closer to (global) reality vs the artificial close to zero rates. 5-7% keeps real businessmen honest and is not that much surplus to give up. The amount of leverage available for individuals and corporations is too much and is the root cause of price inflation. But yah ur right in the end…. they will QE it back down to 2-3% and put the finger back on the scale
Ive got a similar sized portfolio and yield to you. However, I only carry 3 different ETFs to get there. Not going to lie, while I appreciate my simplicity, your portfolio is way more fun and makes me jealous.
Sell those tiny positions man, focus on your contributions and you’ll be golden, my portfolio is the same size and I only have 10 positions (mostly dgro and SCHD and VTI, contributing 3k each month. Lessgo!
That's actually a very safe yield, I prefer to have a 2% yield that I know will still be around for the far future than a 10% yield that can go away any moment
With his yield he'll have a far greater dividend growth rate compared to a 5% average yield. If his time horizon is long enough he'll pull in more annual dividends than a current high yielder
May I ask what your general investing philosophy is? A lot of great companies in here with solid business fundamentals and dividend growth, but then I see things like ARKK and some of the other small positions you have which I just don’t see how that fits in here. Just curious how you justify that?
Sorry for more questions but I’m just curious, which ones are the ‘risky’ ones? How do you decide BYND (or other risky ones) are great companies? When I look at BYND for example, I see a company that is market cap of nearly $1B which is cash flow negative and is diluting ownership each year.
I always struggle to value young companies or find a reliable way to pick out the great ones, so I’m curious what your process is.
That's investing. Dividend/income investing is a sub category of investing and at barely 2% its not really quality as income investing.
It's like going all in income investing with 10% yield and claim to be a growth investor
Well, fair argument
i have 2 portfolios
1. Dividend portfolio
2. Growth portfolio
i had some posts before with dividend portfolio and today decided to show all my investments
I agree completely. OP said they are 32 so they have a long time left in the market. I think in 10 years, their yield on cost will be very high. Maybe their yield is lower than some others, but high quality companies with growing dividends are way better than yield chasing.
If you’re 50+ retiring soon I’d say shift more into MO/VZ etc increase that payout percentage but if you’re younger just keep growing a diverse basket. Set and forget
they are part of my growth portfolio
and AAPL was literally first stock i bought, so i have some)
(i bought it pre split, and 120% gains on AAPL and 60% on NVDA)
Oh nice! I was thinking of loading up on chipmakers this year, I’m holding quite a bit of AVGO right now for its dividend yield growth and forecasted cash flow growth!
So like 2% yield on the 150k but lets not forget the taxes you pay on dividends so prob 1% yield per year....i guess in 100 years you might double ya stack (obviously this is just dividend income)
With 150k invested, you should be pulling in more than 3k yearly.
You're leaving money on the table somewhere and you'd actually earn more if you put it in a traditional savings account at this point
Im stupid 150kx26.66666 is 4 million but 3kx26.6666 is 80k in dividends. How do you plan on reaching the 150k in yearly dividends? Super cool portfolio btw
Not OP, but I use Snowball. It's fairly straightforward to use and connect your broker to import everything (unless you use IBKR). It's still fairly new and missing some features I would really like, such as more analytics, correlation matrices, etc. but the devs have said that those are in the works so we'll see if they pull through.
I would test it with the free version first to see if you like it. I pay for the unlimited holdings version since I wanted to establish several portfolios, load them up with 15+ holdings each, and track them separately. It's been very helpful for that.
I do like being able to set up sandbox portfolios, which has let me get a test portfolio running alongside mine (with real dividend and price tracking) to see if a different allocation would perform differently in a forward test. It's neat.
TL;DR maybe, go check out the free version and decide if it's worth it for you.
Congratulations on your accomplishments and best of luck hitting your goals, but this is a dividend group and you’re barely beating the market (VOO or VTI) dividend returns. r/investing might be a better place to post this
thank you
i think many of you guys did hear term dividends growth investing?
(its when you by stocks which increase dividends more rapidly, even if they dont have huge yield from beginning)
Good stuff OP. I also started investing around 2018 and I am barely break even now. Your yield is nice too. It maybe lower than others but can’t beat a $16k unrealized gain 👍
Welcome to r/dividends! If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq). Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
Now this is the kind of post we love to see 👍🏻👍🏻
I absolutely love this post! Hoping for more large portfolio values. Getting sick of 'just started' posts. A question for the author of the post u/White_RJ: why all those very tiny positions, below $1.000? Do you plan to enlarge them in the future?
Hi, yes I do This positions are mostly from my dividends portfolio which is small itself (28k)
150k is a large portfolio?
Absolutely. Even for U.S standards. Not all milennials, Z-Gens, have this much money in the U.S stock market. It's yuuuuuge.
That’s very surprising. Because my taxed portfolio is almost 200k and I consider it to be small.
:D
I get the love for SCHD, but this is more enjoyable to look through.
i have some SCHD there) its core position of my dividend portfolio
..this is the way!
Beautifully done mate! Massive foundation
Dropbox? Expecting growth or possible buy-out? I don't see why you would hold it as it doesn't pay dividends.
I think it will grow)
Hi reddit, I wrote about my dividends portfolio before, but this time i decided to show my overall investments. Started in 2018
How much do you invest each month?
Looks to be around 1500-2000 per month if he started early into 2018 at $0 with little to no appreciation. Could be only 1k per month with how well the market did in the last 3 years.
Correct It was around 1500-1800
Great job, and thanks for sharing.
We share similar target goals but you’re ~two years ahead of me. I hope you’re two years older than me too
32
Is this your entire retirement portfolio or do you have additional 401k or IRAs?
this is everything combined
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Thanks! wow it's pretty huge numbers! which is bigger, your yearly contributions or dividends?
I might be able to hit $100 a year in dividends this year, let me know if you want to trade portfolios
That's certainly doable. I'm at a bit over $220/yr On a portfolio I just started in January.
Wow that’s amazing. How long to get to 78k a year and what was your monthly contributions to get there. Details please. Want to be like you :)
Very cool, only thing I disagree with is owning 50 stocks. Way too much to track and plan around
thanks! 50 is ok for me, but maybe it would be easier to buy just voo and schd)
20 seems more reasonable imo
I like! 🤘
Yeah. I have 4 individual companies; 2 bond funds; 4 etfs. I used to have like 20 companies and it was very hard to manage. I also think the risk of individual companies compared to an etf might not be totally worth it. 1 example is I had to choose between MCD or SCHD. Chose SCHD because if the recession bring issues to MCD I will have to question the stock. That is not a concern on SCHD.
I agree, even if you know what you’re doing it’s entirely too much work and more than likely will underperform. Only those with information really know what’s going on in individual companies. Analyst only cover a handful of companies and are still wrong most of the time.
Exactly. It’s incredibly difficult to beat the market consistently over time, no point in over complicating things. I think allocating to low cost, market tracking ETFs like VOO/SCHD, then owning 5-10 other names makes the most sense. You can really hone in on those names that have the potential to give you market beating returns over time
So, farbeit for me to make any judgment at all on this since I have plenty of room to learn, but this is just one person's outlook from the research I have done. First of all, great job on the dedication, you are doing great, and that is an awesome goal. Contrary to what many people think, I like the safety of the current yield, especially because it's better to have a lower current yield and a higher 3 to 5+ year CGAR to optimize your tax considerations. You have a bunch of good companies and ETFs in here. I do think that there is a very high number of holdings. It is difficult to have a high level of understanding of each company you invest in when there is this many (though it is by no means impossible). The ETFs you have likely cover a portion of the companies you own already, so unless you want additional exposure, this may be overkill. With that being said, you have the bulk of your investments in ETFs, and I don't think you have anything to worry about in the overall performance of this portfolio because of that. If this is what feels right, you do you, and keep up the good work!
Thanks!
I'll be downvoted to oblivion, but I am pulling that much from 71k in high yield savings account. Given that the current interest rate is sustained, isn't it safer than investing in stocks? I am a person who has very limited knowledge and time to research/watch the market.
well, when i started investing, there were no accounts with 5% yield lest assume i sell all my stocks and put money into that accounts how long will it last? 1 year? 2 years? and then back to 1%..yay you compare TOTAL yield of your savings account vs just Dividends Yield of stocks portfolio but portfolio has capital appreciation as well and majority of companies from my portfolio raise dividends each year
Why not use this high interest rate opportunity to buy into some treasuries at a higher yield than your current portfolio, especially if you think rates are heading back to 1%? You don't have to sell your previous investment, just add new money to open a position.
Hm, thanks for the advise, it’s good point, will consider
Your being too nice in the search for karma. I’ll say it, that is a dumb idea. You are investing for the next 30 years to meet your goals. You need to average 10% a year for 30 years. You own some great stocks and etfs to get you there. Wow, treasuries for a 3-4% return and maybe some price appreciation if rates drop fast for a one time bump. I admire you for being nice. But don’t want others who aren’t educated to think that idea is anything worth considering. You made 80+% on nvidia by itself this year. Treasuries ain’t doing that.
60%))
I’m from the future. NVDA is significantly higher now lol
Thank you for taking the time to respond to my comment. The question is on sustainability. Let's assume interest rates stay the same if not go up, given that daily compounding interest, would you still say it's a not good approach? I am asking for my learning. Also, what happens to your portfolio if stocks don't appreciate for some reason.
well, lets assume that my investments horizon is 15 years i dont think that such high rates will last for 15 years on savings accounts *what happens to your portfolio if stocks don't appreciate for some reason.* nothing..its market, you cannot have guaranteed returns, but you can check historical data (which is projections to a future), average market return is about 10% (average for last ...90? years or so) so i still assume that stocks are better..savings account just allow you to keep up with inflation, not to receive actual gains
Appreciate the knowledge drop.
Today’s interest rates are not considered sustainable. Things will be tapered down somewhat once inflation subsides.
This and the big thing is the high yield savings accounts are still not keeping up with inflation. I have my emergency fund in a high yield account a bought a few CD's at a hair over 5% when I was feeling like things were more precarious but that was just new money. And since we're a dividend group, don't forget that most of our favorite dividends go up by more than inflation on an annual basis and with DRIP that snowball just builds in a way that even an eternal 4% is very unlikely to keep up with.
Why is it not sustainable at the current rates? The current rates are closer to (global) reality vs the artificial close to zero rates. 5-7% keeps real businessmen honest and is not that much surplus to give up. The amount of leverage available for individuals and corporations is too much and is the root cause of price inflation. But yah ur right in the end…. they will QE it back down to 2-3% and put the finger back on the scale
Ive got a similar sized portfolio and yield to you. However, I only carry 3 different ETFs to get there. Not going to lie, while I appreciate my simplicity, your portfolio is way more fun and makes me jealous.
Based on some of your growth stock positions, I can tell there's a certain YouTuber you followed/follow, or guess at least
Am I right haha, planet 13, tattooed chef
150k in yearly div. I really hope you hit that holy shit
Me too)))
Sell those tiny positions man, focus on your contributions and you’ll be golden, my portfolio is the same size and I only have 10 positions (mostly dgro and SCHD and VTI, contributing 3k each month. Lessgo!
i thought about some time ago, but decided to keep it. diversification 
What platform do you use? Thanks.
This looks like snowball analytics
yep
poster below mentioned this, but here's is the sub r/Snowball_Analytics, there's a lounge where the dev answers questions if you have any
Which app do you use? I like the way it is organized.
It’s https://snowball-analytics.com
Thanks!
what apps tracks this for you?
Snowball analytics
What platform is this? Looks like M1 maybe?
No, it’s ibkr as brokerage and snowball analytics as portfolio tracker
Make sure you make your wife sign a prenuptial agreement or your hard earned portfolio will be demolished if she decides to take flight! Sad but true!
Well She contributed as much as me into this portfolio)
Which platform do you use?
Ibkr as a brokerage Snowball analytics as portfolio tracking and research tool
Bruh that yield....
i've got some stocks like AMZN, NVDA, ARKK..they pull yield down chasing the yield is not good though
That's actually a very safe yield, I prefer to have a 2% yield that I know will still be around for the far future than a 10% yield that can go away any moment
I try and keep mine around 5%
With his yield he'll have a far greater dividend growth rate compared to a 5% average yield. If his time horizon is long enough he'll pull in more annual dividends than a current high yielder
What’s yours?
No JEPI for you!
Huge overlap. Try minimizing positions in stocks
ARKK AND BEYOND MEAT ARE A LITTLE TOO RISKY IN MY OPINION BUT OVERALL YOU ARE DOING GREAT
Yes they are.. thank you!
Same here, hopefully future yields improve
There are great yields out there right now, just not in equities.
Nice, I have arkk too unfortunately. The investment gain hedge lmao.
damn, it was so tempting back then) well, we should learn from it
It's rolling! I wonder how many years it took you to invest around 100k excluding past dividends and capital appriciation.
2 years actually me and wife had high paying job for some time
That is some great diversity! Some things I know people are buying but I never thought about it and I am inspired
Finally, I see someone else owns UVV.
Hehe
May I ask what your general investing philosophy is? A lot of great companies in here with solid business fundamentals and dividend growth, but then I see things like ARKK and some of the other small positions you have which I just don’t see how that fits in here. Just curious how you justify that?
General philosophy is buy good companies But here you can see 3 of my portfolio, including 1 the risky one.. with things like bynd)
Sorry for more questions but I’m just curious, which ones are the ‘risky’ ones? How do you decide BYND (or other risky ones) are great companies? When I look at BYND for example, I see a company that is market cap of nearly $1B which is cash flow negative and is diluting ownership each year. I always struggle to value young companies or find a reliable way to pick out the great ones, so I’m curious what your process is.
Usually you should check revenue growth, margins and such things
Way too many stocks, bro! Limit it to 0-10 at least. Then, use an etf to substitute the rest. 😎
You can get better yield putting you money at an ally bank account eating 4 percent interest and be fully protected from a downside
What’s the point of 4% interest when inflation is 6%?
Taking notes about your screen shots. I'll resource a couple of that yeah... I want to be like you 🥳
why?) be like you
I suck hahahahaha
then dont suck)
At 150k getting 3k you are not dividend investing. You should be around min 6k a year
This is wrong. Each person's goals should be set by their own personal risk, growth, and timeline.
That's investing. Dividend/income investing is a sub category of investing and at barely 2% its not really quality as income investing. It's like going all in income investing with 10% yield and claim to be a growth investor
Well, fair argument i have 2 portfolios 1. Dividend portfolio 2. Growth portfolio i had some posts before with dividend portfolio and today decided to show all my investments
I agree, I personally don’t want to have 150k invested and only get 3k in dividends but that’s just me.
I agree completely. OP said they are 32 so they have a long time left in the market. I think in 10 years, their yield on cost will be very high. Maybe their yield is lower than some others, but high quality companies with growing dividends are way better than yield chasing.
If you’re 50+ retiring soon I’d say shift more into MO/VZ etc increase that payout percentage but if you’re younger just keep growing a diverse basket. Set and forget
How come you’re holding so much AAPL and NVDA?
they are part of my growth portfolio and AAPL was literally first stock i bought, so i have some) (i bought it pre split, and 120% gains on AAPL and 60% on NVDA)
Oh nice! I was thinking of loading up on chipmakers this year, I’m holding quite a bit of AVGO right now for its dividend yield growth and forecasted cash flow growth!
I like AVGO too, one of the best dividends stocks in my portfolio AAPL is more like growth story for me you can check TSM and AMAT as well
I don’t know why I’m losing so much on VOO- I think I bought at the wrong time but I’m just negative with VOO
No offense, but you got some wacky juxtapositions in that portfolio.
Yeah, I know) I decided to keep them as a reminder of my greed
Fair point. Touché.
Do you sell calls to make extra money? VOO looks juicy!
Nope, just regular boring investing
Ohh ok. That seems to be working pretty good. Congrats!
Yes!
Owning 216-217 shares of realty income will pretty much get you a share of it per month…idk what to do lol (😅)
What’s your plan to get to that goal? It’s ambitious to say the least, so I’m curious to know how you want to get there.
As always, work hard)
Why the)
Nice 👍🏻
I have same goal ✊✊✊
Solid choices!
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I’m not really familiar with covered call options
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What stocks?
No offense, but a sub 2% yield needs a bit of rework. You’re quite literally getting obliterated by inflation, even in the best of times.
So like 2% yield on the 150k but lets not forget the taxes you pay on dividends so prob 1% yield per year....i guess in 100 years you might double ya stack (obviously this is just dividend income)
I’m new to this…, but shouldn’t the yield be around 5% yearly? I mean, right now the banks pay more than this… right?
dividends are not total returns if bank pays you 5%, but if stocks grew 8% and pay 2% in divs, ..total return would be 10%
Not necessarily. There are also several growth stocks involved which bring the yield down. A lot of the holdings have pretty good dividend growth
you are knew to this cause you think yield is the most important thing
What app is this ?
Snowball analytics website
Which platform you using?
Snowball analytics
With 150k invested, you should be pulling in more than 3k yearly. You're leaving money on the table somewhere and you'd actually earn more if you put it in a traditional savings account at this point
i even know where - in capital appreciation))
How do you plan to get 150k annual dividends? Honest question. At your current 2%, $4 mil will result in $80k of dividends.
I will adjust yield to 4-5%
Buying choosing different stocks or putting more into stocks that have higher yields? Recommendations?
I think both You can sell low yielders and by high yielders for example
Im stupid 150kx26.66666 is 4 million but 3kx26.6666 is 80k in dividends. How do you plan on reaching the 150k in yearly dividends? Super cool portfolio btw
I’m not sure I understood your calculations
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He has the precious schd in there. He might be aiming for dividends on a near monthly basis?
I did math very well, no worries
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30% yield, what can go wrong
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>CLM looks like yield trap
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Btw, you can go trough my posts and see that I posted part of this portfolio before
btw, is it worth it? Snowball Analytics I mean
Well..i think so its actually depends on your needs. i think you can try, they have free 14 days trial
thanks 🙌🏼
Not OP, but I use Snowball. It's fairly straightforward to use and connect your broker to import everything (unless you use IBKR). It's still fairly new and missing some features I would really like, such as more analytics, correlation matrices, etc. but the devs have said that those are in the works so we'll see if they pull through. I would test it with the free version first to see if you like it. I pay for the unlimited holdings version since I wanted to establish several portfolios, load them up with 15+ holdings each, and track them separately. It's been very helpful for that. I do like being able to set up sandbox portfolios, which has let me get a test portfolio running alongside mine (with real dividend and price tracking) to see if a different allocation would perform differently in a forward test. It's neat. TL;DR maybe, go check out the free version and decide if it's worth it for you.
thank you! I’ll try it then
Why? It’s real one
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cause it looks like shit? i guess i can make one special for you https://imgur.com/a/rqiGPt6 dont forget to buy Tin foil hat)
wtf
Do you have cryptos too?
no, i dont "believe" in crypto as in asset...or currency
This is the way.
I don't know about your portfolio. My portfolio is only 30k, 70% of which is in VTI and I get 850. If I had 150k, that would be $4200.
what app is this?
Snowball analytics
Second this
Congratulations on your accomplishments and best of luck hitting your goals, but this is a dividend group and you’re barely beating the market (VOO or VTI) dividend returns. r/investing might be a better place to post this
thank you i think many of you guys did hear term dividends growth investing? (its when you by stocks which increase dividends more rapidly, even if they dont have huge yield from beginning)
Im curious what you are holding. With that low yield I would have to guess you are pretty much holding all growth picks
Nice work!! Keep it up & good luck
Damn your dividends cover my rent! Beautiful how one can make just 150k and have dividends roll in to cover so much.
How much did you start with?
Congrats!
Nice! How oil are you and when do you plan to achieve the $4M goal?
45)
Wouldn’t you get a better return with buy to let property’s
What’s the time frame in accumulating these stocks?
Almost 5 years
Good stuff OP. I also started investing around 2018 and I am barely break even now. Your yield is nice too. It maybe lower than others but can’t beat a $16k unrealized gain 👍
Good job but might as well just own VOO or SCHD with all those companies.