How Much SCHD to Live off Dividends? (Retire on SCHD)

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Жыл бұрын

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In this video, I show you exactly how much you would have to invest in order to live off of SCHD dividends. SCHD is my favorite dividend ETF. My personal investing goal is to one day live off of dividend income, and this in depth analysis uses a financial model to find the exact amount it would take.
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Пікірлер: 578

@Dividendology Жыл бұрын

Link to download my spreadsheets: tickerdata.com/ Get a huge discount on Seeking Alpha Premium! www.sahg6dtr.com/9D5QH2/R74QP/ Join my free monthly newsletter! dividendology.substack.com/

@francini5671 11 ай бұрын

It says 14 days free then $239/year. It’s not 58% off. Is something wrong with the link?

@micahavignone3044 7 ай бұрын

This link is not 58% off, rather 30% off.

@Melanie9908 Жыл бұрын

SCHD is my second largest holding after VOO.

@matthewszasz1895 Жыл бұрын

I'm glad I went back to rewatch this video. It is rare to find one doing the math of compounding interest along with DCA into the position to actually show reality. DCA vs lump sum investing is a key difference in modeling retirement out. Thank you for the great content.

@Dividendology Жыл бұрын

You are welcome!

@coreyburke3493 3 ай бұрын

@billted3323dividends mean you don't have to sell your stocks to live. Living off the dividends mean you can never run out of money.

@karboxylose63 4 ай бұрын

It's either you have time to compound or you have a huge saving ready and you start now. Very good spreadsheet which highlight the balance between time and initial captial

@doejohnson6541 Жыл бұрын

SCHD is a great ETF, I only just discovered it, but I'm making it my #1 investment right now

@ewlinitis Жыл бұрын

You still need a few other ETFs to balance out your portfolio. Best of luck

@evank27 Жыл бұрын

DGRO

@mikechung7757 11 ай бұрын

SCHD is better than QYLD?

@evank27 11 ай бұрын

@@mikechung7757 yesss!

@Jeffdachefz 3 ай бұрын

@@mikechung7757 depends on your goals, If you want growing net worth and growing dividend payouts then SCHD is massively better. If you want fast immediate monthly cash but risk or shrinking dividend payouts and massively lower share price, then QYLD is better. Keep in mind that QYLD is taxed at ordinary income while SCHD is at qualified dividends rate so even if you get paid higher, you are owing uncle sam just as much. IMO SCHD shits on qyld.

@thomaskrutulis2289 Жыл бұрын

I’d love to see more samples for ppl in diff situations. Say starting points of 10k 25k 50k 100k and/or diff monthly contributions from 500 to 3k a month. I think your viewers minds would be blown to see how drastically different n shorter goals could be met with slightly different stats.

@Dividendology Жыл бұрын

Great idea!!

@mattseverance8176 Жыл бұрын

This is a great idea!!!

@TALLXXL Жыл бұрын

Thanks for pointing that out. Homie

@uriel9904 Жыл бұрын

Ask chatgpt lol

@elonmusk9935 Жыл бұрын

You can use a Monte Carlo simulator so get you within a ball park range.

@novelitos999 Жыл бұрын

Great video. You nailed what most you tuber get wrong. You project out what you need for the future, rather than just throwing out a lump sum. Awesome!

@josephsaeteurn9158 11 ай бұрын

other youtubers are calculating to live off dividends at current time.. not 20-30 years later.. i will need 1.3M if i want it today..

@numberoneappgames Жыл бұрын

Time is really the best friend of compound interest. Loved your spread sheet and its 30-year projection!

@Dividendology Жыл бұрын

It really is! And thank you!

@AshAragam Жыл бұрын

Exellent video and points!! Thank you for the video and the education. 🙏

@Dividendology Жыл бұрын

Glad it was helpful!

@jaybrizzy820 Жыл бұрын

honestly, i wished i watched this video last year before starting investing. the way you showed how not to calculate dividends is how i thought it was calculated. im happy to see that isn't the case. Having a dividend portfolio along with a growth portfolio would be an awesome combo for the future.

@Dividendology Жыл бұрын

Well I’m glad you stumbled upon it now!

@michaelgardner5843 Жыл бұрын

I love videos like this! I’d love to see you do this with SVOL and JEPQ

@Dividendology Жыл бұрын

great idea!

@faaaauuuukyou Жыл бұрын

The calculator is fubar. Downloaded it, values are misrepresented in the video =(

@hr2079 Жыл бұрын

Thank you bud for sharing

@innovateandinvest Жыл бұрын

Clean excel chart. You are a certified finance bro

@Dividendology Жыл бұрын

The highest honor I could ever achieve

@Dividendology Жыл бұрын

looking back, this is probably my favorite comment I've ever gotten

@Steven_H_Blackmore Жыл бұрын

Excellent video! I am new to dividend investing and have chosen to invest monthly into SCHD. After watching this I feel even more excited and optimistic about that choice.

@Dividendology Жыл бұрын

Great to hear!

@user-bm6wu9zw9m Жыл бұрын

SCHD for the win 💵

@muskratjoel Жыл бұрын

Great video

@evoluzer 2 ай бұрын

Thanks for the Video. Could you do one with International stocks?

@fireonhair Ай бұрын

ill be alocating all my money to this etf

@thecapone45 10 ай бұрын

2:30. I never knew of this little formula. Wow! I know it’s the “wrong” way to do it, but this whole time I’ve been calculating what I would want to earn a month, compare it to a stock, calculate what if I had X amount of shares and the dividend and what that would be a year, divide it by 12, and then that’s how I’d see how kuxh I could earn in a month. Wow. If only I learned this sooner!

@josephlance9262 Жыл бұрын

11% is a very generous return to assume for the next 20 years

@juanma6788 Жыл бұрын

Very valuable information!

@Dividendology Жыл бұрын

Glad you think so!

@BrntVanilla Жыл бұрын

i love this, but to be honest, i think it should be around 7% price growth IF we're lucky. dividends will most likely be capped eventually too, but what can offset and help us reach our goal faster is i presume over time, the financially savvy individual will make more and can contribute more than $1k later on

@michellefanter4671 5 ай бұрын

That's the issues with these videos. They make some insane assumptions. I don't see where he accounts for taxes. I think a more realistic assumption should be 5% growth(inflation adjusted) and a yield of 2.5% over the span of anything over 15 years.

@williampope3503 Жыл бұрын

Tbh it's probably quicker, as contributions are likely to rise annually as well by at least a few percent. Nice job.

@thenextstep724 3 ай бұрын

Loved the video! Only thing I’m curious about is why the monthly expenses wasn’t exponential?

@dunny1479 Жыл бұрын

This is great. I've been looking for a dividend calculator like this. Along with your other sheets to keep track of it all. I'll be starting at 0 and adding 10k+ month till I reach 2500 to 4000 a month in dividend payments. I've been able to put myself in a financial position to save 95% to 90% of my earned income. I also learned how to use high leverage for very short periods of time to make massive moves very quickly. VIP financial teaches this with his paycheck parking method and debt weapons. Anyways thank you for your time and effort, this is great value.

@anniesshenanigans3815 10 ай бұрын

Save 10k a month to earn 4k a month "someday"?. People lost their common sense

@allanwatts8361 4 ай бұрын

@@anniesshenanigans3815 he's prostituting on the side....sugar baby lifestyle

@TravelsoFun 6 ай бұрын

New subscriber here. Great explanation, great chart. Love it.❤❤❤

@Dividendology 6 ай бұрын

Awesome! Thank you!

@Quantris 3 ай бұрын

this is just a tangent to the main point of the vid, but: so when you compute average rate of return, it is not correct to add up percentages and do a linear average what you should do is take the geometric mean. or in other words, take the total return and rescale it to a yearly return as if it was compounding. that gives you the constant value that when assumed, results in the same total return over that period. so for example where you had 166.55% total return over 10 years, rescale this to (1 + 1.6655)^(1/10) = 1.103, or 10.3% return per year. If you compound 10.3% per year for 10 years you'll end up with 166.55%

@ProWhitaker Жыл бұрын

Excellent, thanks for the video

@Dividendology Жыл бұрын

Glad you liked it!

@jahzlovesouljah Жыл бұрын

Awesome video I'd like to know how long will it take for the dividend to pay for the 1000 monthly investment after initially watching over it..

@DarrenJacksonFH 6 ай бұрын

I love this. The end lol.

@d.a3474 Жыл бұрын

Awesome content! Thanks

@jchanli2247 10 ай бұрын

I agree

@d.a3474 10 ай бұрын

👍👍

@b.vasquezrio6206 10 ай бұрын

I know

@whp777 Жыл бұрын

As opposed to number of people on here sucking up saying "great job.. love the answer to your question", as a person about to enter retirement the answer to your title question was wrong. The question should have been - how many years do you have to save to retire on dividends from SCHD? Because in the end you said a lot of people are wrong about how much they need - but that was incorrect too. You were right showing the first graph showing 1.3 million being needed.. and 99% of people can't accomplish that, if retiring today.

@KingWut 9 ай бұрын

One you hit the point that dividends pay your monthly expenses, that 6k is no longer being re-invested it’s now covering your living expenses

@BudgetingTheBacon Жыл бұрын

Very nice breakdown of SCHD and how long it really takes to live off the dividends. If someone starts early enough 22 years does not seem that long and can be set for quite some time, especially if they start young (say 21 years old). Time really can work in your favor along with consistency. Great video!

@jeremymeyer5552 Жыл бұрын

Yes if you have a career and can keep a job and have a savings account and stocks so you dont have to pull your dividends easy money.

@Cat1500fish Жыл бұрын

@@jeremymeyer5552 I’m 21 and about to graduate college, and just started my dividend journey. Really looking forward to it!!

@dneroaddiction 11 ай бұрын

@@Cat1500fishWhich stock did you start with if you don’t mind me asking, same age here

@Cat1500fish 11 ай бұрын

@@dneroaddiction currently have about 1300$ mixed into Home Depot, CVS, Pfizer, RTX, Caterpillar, SCHD, KRC and MO I got my first dividends this month looking forward to the journey! Hope this helps! But I believe the first stock I bought was caterpillar!

@brushfire Жыл бұрын

Great information & very clear explanation of the power of SCHD. Keep up the good work!

@Dividendology Жыл бұрын

Thanks a lot!

@brushfire Жыл бұрын

@@Dividendology Of course! :)

@donaldlyons17 Жыл бұрын

Well and there is also the question of what happens if cost rise per month on average. For example, when I first started renting in 2009, I got a two bedroom for $400 but by 2013 it cost $640 and now 2023 last I checked it was $740. So, all else being equal housing cost $340 per month more so that suggest to me assuming the same amount is required to pay month bills over 20 years might not be realistic... Personally, I would put the number for 2X what I think I currently need to account for that issue.

@baritono81 Жыл бұрын

Great analysis im watching this etf. Two quick points, i do not think 12% growth rate on dividend is realistic esp because it hasn't even been in existence long enough to project ahead that far. Maybe 8 or 9% growth would be my hope. Also it does not pay monthly so an income investor could not practically live off this one fund alone. But i think it work well with other income stocks. Thank you for the video!!

@donaldlyons17 11 ай бұрын

That would all depend right? Like if the person living off it was using last years money for the current years living?

@richardmenz3257 5 ай бұрын

I would assume people that invest regular will be able to spend quarterly founds without going over, but yeah the growth market listed is insane.

@winterheat Жыл бұрын

For inflation, won’t you need to use CPI from 1990 to 2018 or try 1970 to 2018, and then use 1970 to 2023? Would it be more like 3.5% ?

@shannoncargo468 Жыл бұрын

Great video sir

@Dividendology Жыл бұрын

Thanks!

@praspat910 Жыл бұрын

Great video ! could you do similar video for DGRO ?

@yelnatsch517 8 ай бұрын

Finally a video that accounts for inflation in cost of living. I’m so tired of seeing videos of people thinking dividends 30 years in the future is equivalent to the same NPV now. The main issue though that still isn’t addressed is this. Who is okay with $48k/year retirement, but also has an extra $1k/month to put into an ETF? The two seem mutually exclusive. Anyone who has a spare $1k/ month to put into an ETF would probably expect at least $100k/yr retirement.

@KeaganLegit 6 ай бұрын

This is perfect cause I'm planning to invest over 30-50k a year for the next 4-5 years to retire by 30

@trappart9209 9 ай бұрын

Thank you! Could you explain please why did you assume that dividends will keep growing for decades and price will grow at this rate as well?

@saplouie Жыл бұрын

Most of the growth in dividends and yields were from the increase in stock price and the high interest environment. It doesn't make sense to say dividends will continue to grow, mathematically. I don't have your models downloaded, but from the screens I see, that would mean in year 20, the SCHD dividend yield would be 4.3% and would continually increase to 4.7% in year 30. That does not make sense at all. The yield has never been over 4.3% and that was for 1 month. I think using something like the average SCHD yield would make a lot more sense.

@chancecooper9246 2 ай бұрын

I currently have 550 shares in SCHD and I’ll drop 2000 per month over next 12 months in SCHD. Then I’ll throttle down to 1000 a month. I’m playing catchup. I invested in real estate for a long time. Now I’m into stocks/ETFs.

@CookieMonster-we1in 11 ай бұрын

Ok so heres the top question, what about taxes at the end of the year?

@teleioswi2993 9 ай бұрын

SCHD IS 80% of my portfolio. Been buying every time it goes on sale for the last year.

@ckoeritz 7 ай бұрын

The 3.56% yield isn’t per month/quarter, it is 3.56% for the year (need to divide by 12 or 4 respectively). This makes a big change to the spreadsheet. It also pays quarterly instead of monthly, which will also have an impact.

@Dividendology 7 ай бұрын

The spreadsheet is correct! It account for the things you mentioned.

@Pastorjasoncox 9 ай бұрын

Sounds good, but there's a monthly dividend payout quarter , every 3 months and a yearly.

@d.p.6940 Жыл бұрын

I think you meant to say that the expense ratio is 0.06%, not 0.6%? Big difference. With that said however I want you to know that you are doing a fantastic job.

@Dividendology Жыл бұрын

you are correct! .06% expense ratio.

@VinnyLogz Жыл бұрын

Which is regarded as the most profitable dividend ETF if kept for the longterm??

@JCCWM 4 ай бұрын

The average monthly payment from dividends in 22 years is in today dollars, right? Or is that adjusted for inflation? Just wonder if it’s accurate to compare your current financial needs with a number you’re expecting to see in several years from now.

@CodenameCrystal 2 ай бұрын

I have my Roth IRA with VTI, and have SCHD in a traditional brokerage. Does it make sense to have a dividend portfolio in a brokerage account or should I put it in my ROTH?

@fireonhair Ай бұрын

wow thats incredible

@specsbundy1392 Жыл бұрын

can you redo video taking into account income taxes .. if these are the net amounts then the figure is not actually accurate , correct ?

@zaleafreestone1915 2 ай бұрын

Hi there ! I am a 21 year old new to investing and was hoping you could help me out How much would I need to contribute each month in this scenario ?

@donglong2902 Жыл бұрын

it would be nice to compare to a standard, i.e. SPY plus dividend and expernse ratio

@Dividendology Жыл бұрын

Good idea!

@jimmymcgill5572 9 ай бұрын

if you had $300k right now and wanted to begin taking dividend payments to live off, would you put it all in schd or what would you do?

@sergiofranco7460 Жыл бұрын

The Schwab U.S. Dividend Equity ETF (SCHD) is still having a rough go of it in 2023. Its -2.3% year-to-date return and as last year was also negative. My current retirement objective is to get permanent cash from dividends, so this is not a good choice for me. Looks like this year someone in Schwab made a bad reconstitution of stocks that made the performance worst, so you end depending also on how in Schwab this is done and if they screw up they are make sure in the contract that are not accountable. Schwab will have to be serious about reconstitution of stocks and earn our trust.

@RicardoAbritta737 4 ай бұрын

Excellent job!! How can I download this calculator sheet please. The current link triggers the malware protection of the antivirus.

@Dividendology 4 ай бұрын

Thanks! The website is completely safe. You may need to allow your antivirus to reach Tickerdata.com or turn it off while you visit the website.

@Brilliantick99 20 күн бұрын

If I already have FSKAX FTIHX and FXNAX in my Roth IRA should I still put SCHD in my Roth as well? Thanks.

@davidmjohn3194 Жыл бұрын

Thank you

@louie2470 Жыл бұрын

Great analysis. Thanks for the spreadsheet. But, can you please include what dividend payment available after taxes. Of course, it depends on what tax bracket you are. The higher the taxes your pay (state and federal) can significantly reduce your amount available to spend. Would it be more advantageous if you buy growth stock companies and then sell stock when you need it, and pay lower taxes (i.e, longterm capital gain taxes)? Can you please do a video on this. Thanks.

@donaldlyons17 11 ай бұрын

Yeah but also important is the real rate of return. Truth is the percentage likely makes a difference and that is not even factoring in taxes!!

@felipearteaga7300 7 ай бұрын

Great comment, he's missing the taxes, that can totally change the results

@ajones363 7 ай бұрын

Per the SCHD website, as of 2022, 100% of dividends that are provided from SCHD are considered qualified dividends, therefore it would be taxed at the same rate as a long-term capital gain. The only question you have to answer is - Would you rather sell your stock, losing the value forever, or get dividends while leaving the principal alone.

@theowenssailingdiary5239 6 ай бұрын

When companies pay dividends you DO lose that 'principal' straight off the share price-and you lose it forever. Its the same as selling a set number of shares every month/quarter or whatever. Of course, what I like about schd are the companies within it-good solid boring companies (mostly). @@ajones363

@StevenCovey-ct3sx Ай бұрын

The nice thing about this is that I am able to invest a mix of $1,400,000 now in SCHD and O. A mix of the two will allow for 4.5% of income off the dividends with some decent growth over time.

@pauly5502 Жыл бұрын

What about income tax on that dividend payout each month? 4k per mo is not 4k per mo after tax

@ImwithKyle 4 ай бұрын

What do you think about SDIV dividend? It seems too good to be true. $2.55/share at $21.40 per share. So 1 million invested would be $9,929 per month. Am I getting that wrong?

@abc456f 5 ай бұрын

I'm 67 and already retired. I can put some of my money in a high yield savings account, 5.35% to generate enough that I need from just monthly interest to fill the gap left after social security and pension. 401k money invested in Vanguard total stock market index fund doesn't need to be touched until rmd.

@aleccozi6458 Жыл бұрын

Great video! Although it doesn't consider something crucial. TAXES!

@Dividendology Жыл бұрын

Utilize a tax deferred retirement account!

@ghosthin3012 11 ай бұрын

The only problem is we can't assume the dividend growth rate is unlimited. They were 12% in the past but can't be realistically stay at 12% forever because it would at some point, turn the dividend yield to 100% and beyond. I am much rather to be conservative and assume no growth so that if there is, I could retire even earlier.

@aaronucsd 8 ай бұрын

Just curious atm, why not online CD when you can get 5.25%+ in interest guaranteed?

@tripjj8662 Жыл бұрын

you're a genius

@lawfirmbersani Жыл бұрын

When an updated Investor Tool kit with more ETF? It would be great to add famous dividends etf traded in europe (as we don’t have access to all US ETFs )

@Dividendology Жыл бұрын

I’m working on that update :)

@qorghsksan92 13 күн бұрын

so after you can live off of divident do you take that dividiend payment out to your bank to use it every month?

@AdatheTraveler Жыл бұрын

Great info! It would be interesting to see how much lump sum do we need to achieve that goal instead of investing monthly ☺

@Dividendology Жыл бұрын

Great suggestion!

@thesheepthemightythecrazy Жыл бұрын

just look at the total value. it is 1.7 mil. that is when he could live off of the dividends. 1.7m = 6k per month. if you need less than 7k, you just find the lower number on his chart. I have to account for my tax, so I need 20% higher. If you don't have the money, you just got to put in the time and invest monthly till you hit the 1.7m mark.

@josephsaeteurn9158 11 ай бұрын

@@thesheepthemightythecrazy exactly... living off dividends requires a shit ton of up front money or invest and wait 25 years..

@thesheepthemightythecrazy 11 ай бұрын

@@josephsaeteurn9158 From his newer video. If you start with 100k and put in 2.5k every month. You could achieve the goal in 13 to 15 years, depending on the equity market.

@ben3989 Жыл бұрын

11% is pretty bold imo.

@ImwithKyle 4 ай бұрын

I don't get it, how do companies pay dividends? Its like free money? Im such a newb

@ReanimatedShad0w Жыл бұрын

Before I contribute to buy the excel sheet. Is there a way to input the balance you’re starting out? Example, you start out with 50k and then contribute monthly from there

@Dividendology Жыл бұрын

Yes!

@tripjj8662 Жыл бұрын

How does this work? When you want to start living off dividend rather than reinvest do you have the option to take the dividend monthly or do they automatically reinvest the dividends?

@ya-boyrookus7516 Жыл бұрын

You turn off reinvestment and receive payments quarterly.

@jpabadir Ай бұрын

Great vid but small mistake at 7:05, you say “year” instead of “month”

@o0usf0o Жыл бұрын

I’d love a copy of this spreadsheet if you have a link!

@Dividendology Жыл бұрын

You can download it on my patreon page!

@GeneralJam99 8 ай бұрын

3:40 how is there this much dividend growth? Isn't it more like 1.8%?

@dariorocha6006 Жыл бұрын

I'm not sure if advertising a yield of 12% and 11% as maintainable over 30 years. Would be more realistic if you gave silently lower percentages to be more conservative 👍🏼

@mikegiddens9694 Жыл бұрын

He's not advertising that as a yield. The yield at the time of this video is 3.56%, now it's 3.76%. The 11% or 12% was the increase every year he was talking about.

@Mr_smart_cat 5 ай бұрын

Are the calculations correct? Why account value increase > monthly div + monthly contribution?

@Dividendology 5 ай бұрын

Yes. share price appreciation

@Kdub5150 5 ай бұрын

Nice video. People keep asking about taxes. Unless you invest in a Roth (6.5k or 7k Annually)Taxes will need to be paid! Still better than nothing.😂😢😢

@josephsclafani9439 4 ай бұрын

Good video. Although this stock pays quarterly so one would have to live off of the payment for 3 months.

@Dividendology 4 ай бұрын

Correct. This is taken into account in the model.

@guzzi95 11 ай бұрын

Be sure and mention this works if you have several years to wait for things to do well. And you are out of debt.

@sachdevaghosh3466 11 ай бұрын

Well the first way of calculating (and if you have 1 million plus to invest right off the bat) just enables you to live off the investments starting today. While the other method assures that even if you can't invest the lumpsum today, by small diligent investment and patience, you will be able to live off those investments in 20 years time, needing much less than a million to be invested. All you need to invest is 20 years of time!

@redic3408 Жыл бұрын

Great video and I love how reinvesting dividend can help grow over time. However, this doesn't account for taxes that are required every year based on those dividend payments. Not much of an issue when your first growing your portfolio but will become harder as the profits grow. Would love to see another video accounting for separating the 15% taxes and reinvesting the difference. If there's a way to avoid paying taxes by reinvesting or a special account that can be used would be a great addition to add.

@Dividendology Жыл бұрын

Ture, but hopefully most are utilizing a tax deferred retirement account. I'll update the model soon to account for taxes in case some need that.

@michaelswami Жыл бұрын

Put it in a Roth IRA problem solved. Only issue is the monthly amount currently can’t be 1000 per month. Maybe a combo of Roth and Brokerage. I’m not a fan of tax deferred, which miraculously turns capital gains and tax favored dividends into ordinary income.

@redic3408 Жыл бұрын

@@michaelswami I have a Roth IRA issue is max contribution is $6500 for the year in this example he’s using $12k per year. Honestly, I would probably save the dividends in a brokerage because I would rather have the money while I’m young and can enjoy it vs having to wait until 60 to start living.

@michaelswami Жыл бұрын

@@redic3408 I noted that above.

@invisiblespirit1744 Жыл бұрын

@@Dividendology Hi) Can you tell please if it was added somewhere? Yesterday I subscribed to Patreon and haven't seen this functionality :(

@PhillipLearnTeach Жыл бұрын

I wonder if OMFL is truly better than SCHD or JEPI

@dtkodak123 Жыл бұрын

Can you do a similar video with JEPI? I know a lot of people love that fund as well.

@Dividendology Жыл бұрын

Will do!!

@thomaskrutulis2289 Жыл бұрын

@@Dividendology and different start points. Say a 10k start and 2k monthly’s. Some variables for ppl with other bank rolls.

@mrang5502 7 ай бұрын

Wonder the break even point in years if you invested 35,000 initially and continued to add 1000 per month?

@viktorwolfe8333 Жыл бұрын

The point of the video is that with steady payments into good ETFs like SCHD and JEPI, then you could live off dividends in about 20-25 years. If you don't want to wait that long, then you can reap some of those dividends in 10-15 years with some extra spending cash.

@mmmd3429 Жыл бұрын

I'd ramp up the monthly investment amount to reach the goal of just living off of dividends faster.

@josephsaeteurn9158 11 ай бұрын

@@mmmd3429 not everyone have that luxury.. contributing $1K a month is a lot for many investors. i dont want to eat cup of noodles for 20 years..

@Berniz123 Жыл бұрын

Wouldn't VOO/qqq have faster growth over the 20 years though? And once we hit that dividend portfolio value we can sell and jump into SCHD to claim more dividends once we already want the dividends for our retirement?

@charlielipthratt7291 Жыл бұрын

Unless you're using a Roth account, you will have a very large tax bill selling enough voo/qqqm to have enough cash to buy the shares needed to fund your monthly bills.

@diamondswiper 10 ай бұрын

you're gonn have a high tax bill either way considering dividends are taxed out the wazoo@@charlielipthratt7291

@gab-bm4ez 10 ай бұрын

dont you have to pay taxes on dividend in america?

@SniperMonster9 5 ай бұрын

Why is tax not a factor in this topic? Isnt dividend payouts taxable?

@ellishomeinspectionsllc7053 Жыл бұрын

When you take the dividends aren’t you going to be paying taxes on those dividends as income? Which for this example would make the net payments less than the costs of living, or did I miss that?

@Dividendology Жыл бұрын

Hopefully people are utilizing a tax deferred account

@michayng4105 Жыл бұрын

how to NOT pay 30% tax on the dividend? I'm not US citizen.

@Midwestplayers 11 ай бұрын

Wont you have to pay taxes on those payouts?

@user-bz5io6ph8w Жыл бұрын

how can i get a calculator like this to play with the numbers?

@Dividendology Жыл бұрын

You can download it on my patreon page! Link in the description!

@K_Villain_ Жыл бұрын

Stacking the S’s SATS & SCHD

@LifelsGreat Жыл бұрын

Let’s go bro as many as we can 🔥

@magikarplore4941 Жыл бұрын

Dividend growth rate seems a bit optimistic. Basing this off the last 10 years is sort of not good since the last 10 years has been amazing. Not to mention there is a cap on how much dividend can be.

@PurposeTravel Жыл бұрын

and taxes. We forgot taxes.

@charlielipthratt7291 Жыл бұрын

Now I have to go look up what's the cap! 😅

@ocuevas Жыл бұрын

@@PurposeTravelDo this in a Roth

@josephsaeteurn9158 11 ай бұрын

@@ocuevas how? you need at least 12K a year in contribution.. its 1K a month..

@ocuevas 11 ай бұрын

@@josephsaeteurn9158 my comment was towards the individual who said you'd have to pay taxes. All dividends in a roth are tax free