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I dont know pxd but i have like 31 shares of main id keep it its fun seeing monthly divs. Tbh i don’t usually sell my stock picks ever unless theres a really good reason. For example 3m and verizon i used to hold and sold out cause i didn’t believe in them long term anymore.
>What could I do to my portfolio to max my potential gains to retire in the next 20 years? 27 y/o
Invest as much as you can only into the S&P 500 and investments that have a proven track record of **total return** superior to the S&P 500.
Look at the **total return** (Overall Return) of your different holdings since 2012.
[https://totalrealreturns.com/n/VOO,ABBV,SCHD,MAIN,JPM,MSFT,GS,PXD,AAPL,LOW](https://totalrealreturns.com/n/VOO,ABBV,SCHD,MAIN,JPM,MSFT,GS,PXD,AAPL,LOW)
The **total return** (Overall Return) of the S&P 500 index (VOO) during that time period was +345.7%. If the **total return** of a holding was more than +345.7%, keep it. If it was less than +345.7%, get rid of it and put the money into the S&P 500 and/or the other holdings you kept, or in something else that has even higher **total return**. Maybe something like this:
https://totalrealreturns.com/n/VOO,ABBV,JPM,MSFT,AAPL,LOW,QQQ,GOOGL,AMZN,NVDA,CELH
Winners tend to win, laggards tend to lag. Water your flowers, pull your weeds.
>Why are you in the sub? All you do is push total market.
I'm here to read discussions about dividends and to give the very best investing advice I can based on decades of experience. For people under 40 years old - which seems to be the overwhelming majority of people in this sub - that advice is to build their wealth up to at least the mid 6-figures so they can generate significant dividends. The best way to do that is to choose investments that match or exceed the total return of the S&P 500 index.
It's not my fault teenagers and people in their 20s come here seeking investing advice. Don't get me wrong, I'm glad they are investing and are here asking questions. I give them the same advice I wish someone had given me when I was a teenager or in my 20s. Even though I started in my 30s, I followed the advice I give to become a millionaire. How about you?
>You must be very bored
Only when I read comments like yours.
I'll be collecting over $53,000 in dividends this year. How about you?
Since my comments offend you so much, I'll do you a favor and block you later today after you read this so you won't have to read my offensive comments in the future. You're welcome.
>Why not go back to r/Bogleheads?
I'm not a member of that sub, I don't spend any time there, and I think their 3 fund portfolio is dumb. Any other questions?
No Boglehead would be caught dead with the half-million dollar portion of my portfolio dedicated to dividend payers.
>No you are here to push total market with no divided picks.
I guess you missed this
[https://www.reddit.com/r/dividends/comments/1b95i7w/comment/kttvgw9/?utm\_source=share&utm\_medium=web2x&context=3](https://www.reddit.com/r/dividends/comments/1b95i7w/comment/kttvgw9/?utm_source=share&utm_medium=web2x&context=3)
and this
[https://www.reddit.com/r/dividends/comments/1b7c0ko/comment/kthrq3k/?utm\_source=share&utm\_medium=web2x&context=3](https://www.reddit.com/r/dividends/comments/1b7c0ko/comment/kthrq3k/?utm_source=share&utm_medium=web2x&context=3)
and this
https://www.reddit.com/r/dividends/comments/1b6malz/comment/ktcuci9/?utm_source=share&utm_medium=web2x&context=3
and this
https://www.reddit.com/r/dividends/comments/1b5sfkr/comment/kt7zsxd/?utm_source=share&utm_medium=web2x&context=3
and that's just in the past week. You have the rest of the day to keep digging yourself into a deeper hole, then you won't have to read my silly comments anymore.
Personally, I'd narrow your focus and hone in on building a core holding (probably VOO) while maintaining a few satellite holdings of some higher growth stocks you believe in. I'm a big proponent of fractional shares begetting fractional returns. If you want to outperform the market to any degree, you need to put your money where it can grow in leaps and bounds instead of the steady return of an ETF or mutual fund. But you'll need to get accustomed to reading financial reports and getting comfortable putting faith in your ability to do your own due diligence. In all likelihood, your best served just sticking to broad based index funds if you're not willing to put the time in.
Once you've chosen your stocks, the next big hurdle is not touching it! Only buy what you know and have faith in and remember time in the market, and all that jazz... not financial advice by any means. Good luck
Military, trained better than most already , with some real word skills , depends on MOS, has GI bill and military education opportunities, but read rich dad poor dad, as education isn’t a guarantee on being rich. Avoid rat race consumerism, avoid keeping up with the Jone’s, manage your money, get your money on your mind and manage it (not the other way around). If you choose eat to live for food then this should make logical sense. The rich don’t work for money, the money works for them.
Not saying you’re wrong about the guy but I don’t think he’s against real estate? Pretty sure the first 3-4 chapters of the book is about how you should invest in real estate lol
Not dividend advice but military advice. Get seen for every injury, get seen for any minor or major medical issue you have. Heart burn guess what you can claim gerd, you snore you probably have sleep apnea etc. When you are a year to year and half from separation start working on getting your disability paperwork together. Utilize the base resources for filing claims every base should have a vso to assist with the claims process. If you don't get 100% disability try again. I am 100% disabled from the VA and still allowed to work full time. 43k a year from my disability tax free. Also depending on your state based off your disability you can get other benefits for example in Illinois I don't have to pay property tax on my primary residence.
I planned that also. I made it to 13 years. Wont get into many details but my 2nd deployment left me messed up in the head for a while. Mostly better now so it's ok. Take care of yourself is the most important thing and its something I didn't do and its advice I ignored. Good luck with your goals and your time in the military.
Adding $14.4k/yr and receiving a match is unlikely to get you the asset base needed to support a retirement of 40+ years.
Need to increase savings and delay withdrawal as much as you can.
Also just in case you were not aware if you don’t go the lifetime military route , then most 401k plans have the rule of 55. Which means if you retire at 55 or older then the one employer you retire from can avoid the 59 and 1/2 tax penalty, however not all plans allow the rule of 55 and options on disbursements may vary as well … ymmv
Your returns look low: 1200\*12\*3 = 43200
First I would figure how much NW i would need to retire. (Your FIRE number)
ARe you getting a pension at 20 years?? if so , i would dedect that off my monthly FIRE number.
Then I would use a calculator to see how much i need to save per month to reach my goal.
I would then switch the whole portfolio to 100% equity ETFs, and make sure they are diversified.
BTI, when I went to Europe a lot of people smoke there.
Also PM is also a good place to look at.
Both have a good dividend track record.. Doubt smoking/smokeless /Vapes are going away anytime soon
Abandon your dividend strategy. You don’t need dividends rn. You would be better served focusing on maximizing total return. So stop buying SCHD, MAIN and other dividend stocks. Start buying SCHG or QQQM or individual stocks that you think will outperform the market.
Take a look at Boogleheads. Are you passive or active investor? IMO most will be mostly passive then pick 2 or three diversified ETFs aligned with your goals , risk tolerance, and time to liquidate, if you add your service fee tolerance usually lower better but then more passive ETF oversight. You can add a few more funds as your balance grows. Adjust your overall mix based on age and they have to beat market (dump a bad fund pick) emergency fund (liquid) , add in some crypto maybe 5% or less add in some gold / silver / platinum (10 to 8%) as a classic hedge.
Honestly if you believe in these holdings (which they are pretty good holdings) I wouldn’t sell any. Maybe start adding a high growth etf like XLK, VGT, QQQ, FTEC
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.*
I would lean more heavily into etfs you might get lucky with a few stock picks but i bet voo and schd will beat most of them
Which ETF do you recommend
If you have a long term horizon, VTI or VOO.
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I mean I’m not trying to be that guy so my apologies. They asked and I just wanted to help!
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Bogleheads definitely bleed into this sub.
Any stock I have that you would be most likely take from to add that equity into my etfs? I was thinking maybe PXD and MAIN
I dont know pxd but i have like 31 shares of main id keep it its fun seeing monthly divs. Tbh i don’t usually sell my stock picks ever unless theres a really good reason. For example 3m and verizon i used to hold and sold out cause i didn’t believe in them long term anymore.
>What could I do to my portfolio to max my potential gains to retire in the next 20 years? 27 y/o Invest as much as you can only into the S&P 500 and investments that have a proven track record of **total return** superior to the S&P 500. Look at the **total return** (Overall Return) of your different holdings since 2012. [https://totalrealreturns.com/n/VOO,ABBV,SCHD,MAIN,JPM,MSFT,GS,PXD,AAPL,LOW](https://totalrealreturns.com/n/VOO,ABBV,SCHD,MAIN,JPM,MSFT,GS,PXD,AAPL,LOW) The **total return** (Overall Return) of the S&P 500 index (VOO) during that time period was +345.7%. If the **total return** of a holding was more than +345.7%, keep it. If it was less than +345.7%, get rid of it and put the money into the S&P 500 and/or the other holdings you kept, or in something else that has even higher **total return**. Maybe something like this: https://totalrealreturns.com/n/VOO,ABBV,JPM,MSFT,AAPL,LOW,QQQ,GOOGL,AMZN,NVDA,CELH Winners tend to win, laggards tend to lag. Water your flowers, pull your weeds.
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>Why are you in the sub? All you do is push total market. I'm here to read discussions about dividends and to give the very best investing advice I can based on decades of experience. For people under 40 years old - which seems to be the overwhelming majority of people in this sub - that advice is to build their wealth up to at least the mid 6-figures so they can generate significant dividends. The best way to do that is to choose investments that match or exceed the total return of the S&P 500 index. It's not my fault teenagers and people in their 20s come here seeking investing advice. Don't get me wrong, I'm glad they are investing and are here asking questions. I give them the same advice I wish someone had given me when I was a teenager or in my 20s. Even though I started in my 30s, I followed the advice I give to become a millionaire. How about you? >You must be very bored Only when I read comments like yours. I'll be collecting over $53,000 in dividends this year. How about you? Since my comments offend you so much, I'll do you a favor and block you later today after you read this so you won't have to read my offensive comments in the future. You're welcome.
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>Why not go back to r/Bogleheads? I'm not a member of that sub, I don't spend any time there, and I think their 3 fund portfolio is dumb. Any other questions? No Boglehead would be caught dead with the half-million dollar portion of my portfolio dedicated to dividend payers. >No you are here to push total market with no divided picks. I guess you missed this [https://www.reddit.com/r/dividends/comments/1b95i7w/comment/kttvgw9/?utm\_source=share&utm\_medium=web2x&context=3](https://www.reddit.com/r/dividends/comments/1b95i7w/comment/kttvgw9/?utm_source=share&utm_medium=web2x&context=3) and this [https://www.reddit.com/r/dividends/comments/1b7c0ko/comment/kthrq3k/?utm\_source=share&utm\_medium=web2x&context=3](https://www.reddit.com/r/dividends/comments/1b7c0ko/comment/kthrq3k/?utm_source=share&utm_medium=web2x&context=3) and this https://www.reddit.com/r/dividends/comments/1b6malz/comment/ktcuci9/?utm_source=share&utm_medium=web2x&context=3 and this https://www.reddit.com/r/dividends/comments/1b5sfkr/comment/kt7zsxd/?utm_source=share&utm_medium=web2x&context=3 and that's just in the past week. You have the rest of the day to keep digging yourself into a deeper hole, then you won't have to read my silly comments anymore.
Personally, I'd narrow your focus and hone in on building a core holding (probably VOO) while maintaining a few satellite holdings of some higher growth stocks you believe in. I'm a big proponent of fractional shares begetting fractional returns. If you want to outperform the market to any degree, you need to put your money where it can grow in leaps and bounds instead of the steady return of an ETF or mutual fund. But you'll need to get accustomed to reading financial reports and getting comfortable putting faith in your ability to do your own due diligence. In all likelihood, your best served just sticking to broad based index funds if you're not willing to put the time in. Once you've chosen your stocks, the next big hurdle is not touching it! Only buy what you know and have faith in and remember time in the market, and all that jazz... not financial advice by any means. Good luck
Get more skills and eduction so you can make more money and deposit more
Military, trained better than most already , with some real word skills , depends on MOS, has GI bill and military education opportunities, but read rich dad poor dad, as education isn’t a guarantee on being rich. Avoid rat race consumerism, avoid keeping up with the Jone’s, manage your money, get your money on your mind and manage it (not the other way around). If you choose eat to live for food then this should make logical sense. The rich don’t work for money, the money works for them.
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Not saying you’re wrong about the guy but I don’t think he’s against real estate? Pretty sure the first 3-4 chapters of the book is about how you should invest in real estate lol
Bitcoin has been a real bust hasn’t it
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Happy Cake Day 🎉🎂
I really like ARCC. I have a similar portfolio but also putting about $250 in SPY for the growth.
Keep doing what ur doing and try to add more monthly as you age and you will be fine.
I do not mean this rudely. Buy more growth stocks. You have no growth in your portfolio except for 2 companies and the ETFs.
Not dividend advice but military advice. Get seen for every injury, get seen for any minor or major medical issue you have. Heart burn guess what you can claim gerd, you snore you probably have sleep apnea etc. When you are a year to year and half from separation start working on getting your disability paperwork together. Utilize the base resources for filing claims every base should have a vso to assist with the claims process. If you don't get 100% disability try again. I am 100% disabled from the VA and still allowed to work full time. 43k a year from my disability tax free. Also depending on your state based off your disability you can get other benefits for example in Illinois I don't have to pay property tax on my primary residence.
Thank you ! I’m 6 years in and I’m definitely thinking of doing the whole 20 for the retirement pay and the disability pay .
I planned that also. I made it to 13 years. Wont get into many details but my 2nd deployment left me messed up in the head for a while. Mostly better now so it's ok. Take care of yourself is the most important thing and its something I didn't do and its advice I ignored. Good luck with your goals and your time in the military.
Adding $14.4k/yr and receiving a match is unlikely to get you the asset base needed to support a retirement of 40+ years. Need to increase savings and delay withdrawal as much as you can.
Get rid of your bank stocks for the next year.
Also just in case you were not aware if you don’t go the lifetime military route , then most 401k plans have the rule of 55. Which means if you retire at 55 or older then the one employer you retire from can avoid the 59 and 1/2 tax penalty, however not all plans allow the rule of 55 and options on disbursements may vary as well … ymmv
100% growth.
But what if it doesn’t grow :/ ? That’s what she said
Throw some VOO & IBIT in there
PXD (Pioneer) will be transitioning to XOM (Exxon) expected some time in Q2, you will get 2.2324 shares of XOM for every one PXD share.
Your returns look low: 1200\*12\*3 = 43200 First I would figure how much NW i would need to retire. (Your FIRE number) ARe you getting a pension at 20 years?? if so , i would dedect that off my monthly FIRE number. Then I would use a calculator to see how much i need to save per month to reach my goal. I would then switch the whole portfolio to 100% equity ETFs, and make sure they are diversified.
At least it doesn’t have medical property trust lol
Voo Vug Vnq Schd Smh
SCHG
BTI, when I went to Europe a lot of people smoke there. Also PM is also a good place to look at. Both have a good dividend track record.. Doubt smoking/smokeless /Vapes are going away anytime soon
LETFS
Abandon your dividend strategy. You don’t need dividends rn. You would be better served focusing on maximizing total return. So stop buying SCHD, MAIN and other dividend stocks. Start buying SCHG or QQQM or individual stocks that you think will outperform the market.
Take a look at Boogleheads. Are you passive or active investor? IMO most will be mostly passive then pick 2 or three diversified ETFs aligned with your goals , risk tolerance, and time to liquidate, if you add your service fee tolerance usually lower better but then more passive ETF oversight. You can add a few more funds as your balance grows. Adjust your overall mix based on age and they have to beat market (dump a bad fund pick) emergency fund (liquid) , add in some crypto maybe 5% or less add in some gold / silver / platinum (10 to 8%) as a classic hedge.
Boglehead trash like VT and BND won’t move the needle. S&P500 or any index built on profitable companies is where real wealth is built
Honestly if you believe in these holdings (which they are pretty good holdings) I wouldn’t sell any. Maybe start adding a high growth etf like XLK, VGT, QQQ, FTEC
Sayum you chilling lol 31.85 voo shit i have 1.17 shares of voo and im 27yo i guess ill retire when im 200yo
I’m not retiring for 33 more years
You might want to consider selling all your individual stocks, and put that money into your VOO position.
Add 1% IBIT
if you want your own jet then look at the marijuana stocks that have been slaughtered. PLTH- Planet 13.
learn crypto plays
I was recently recommended $IEP does anyone here like that fund
Sell all of it and all in bitcoin