This Is How Long It Takes To Build A $100K Dividend Portfolio ⏳

Рет қаралды 18,773

28 күн бұрын

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Building a $100k dividend portfolio is one of the toughest dividend investing milestones, which begs a couple of questions: Why is the first $100k so difficult to get to, and how long does it take to get there? We’ll try to answer both of those questions in this video, and we'll approach it from the viewpoint of a brand new dividend investor.
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.

Пікірлер: 124

@rynewilliams 28 күн бұрын

Check out Skwad for free with a 15-day trial, and take 15% off of your subscription by using code "RYNE15" ► skwad.app/?This-Is-How-Long-It-Takes-To-Build-A-100k-Dividend-Portfolio

@pbrdoug4962 26 күн бұрын

“The first $100,000 is a b****, but you gotta do it.” Charlie Munger

@rynewilliams 24 күн бұрын

Absolutely 👏

@zhangguo8762 26 күн бұрын

Assuming you're investing at the same rate, $100k is 33% of the way to 1 million while $300k is the halfway point in term of timeframe.

@rynewilliams 26 күн бұрын

And that’s the magic of compound interest right there!

@suzukiman8964 26 күн бұрын

That's true it is really depends on how much you deposit, and what you start your account with; I started my account with 25k and a $1500 ever month, it took me 2 to 3 and a half years to hit six figures, once I left Lowes I rolled my 401k over it was 29k with my six figure stock I went up to 120k

@rynewilliams 24 күн бұрын

You're crushing it man!

@vestedinterest5655 26 күн бұрын

I know a lot of people focus on the total amount of their portfolio, but higher capital appreciation actually hurts a dividend growth portfolio. lower capital appreciation is a better goal for dividend growth.

@rynewilliams 24 күн бұрын

That's true...if you want to prioritize the cash-flow, then less appreciation helps your cause

@Constitution1789 26 күн бұрын

Kudos to you. I can't wait to hear about your portfolio two years from now.

@rynewilliams 24 күн бұрын

Thank you my friend! Hopefully we'll be at six-figures by then

@Millennial-Investor1914 26 күн бұрын

I'm not going to lie, the Journey is fun to the Road to 100,000, 100k! But man its tough!!!!! It does takes time and a lot of intentional effort. I cant wait till my portfolio hit 100K

@rynewilliams 26 күн бұрын

Man it's really tough, but we'll get there eventually! Just gotta keep climbing. Thanks for watching man 🙌

@loakland2773 25 күн бұрын

Great video Ryne. Always quality from you. You’re a great mentor to many. I’m happily past the $100k but I’m an old soul but growth is amazing once you get the big snowball growing. Get as much cash as you can to keep shoveling it in. It’ll really make a difference. Be well.

@rynewilliams 24 күн бұрын

Thanks Lance, you're the best. I hope you have a great day

@NolanGouveia 26 күн бұрын

Love this bro. You are well on your way to that elusive first $100k 🎉

@rynewilliams 26 күн бұрын

Man thank you! Hopefully we can get there sometime next year...we'll see what happens

@QuantCompounder 26 күн бұрын

Really enjoyed the vid Ryne. First $100k is a grind but you’ve gotta do it!

@rynewilliams 26 күн бұрын

Absolutely, thank you my friend!

@captnawty7966 22 күн бұрын

$100K is a lot of money to save up while trying to live these days. As a new investor, I have tried to live first, save second, and invest third while being responsible to the first two. Now, I am trying to catch up on the third. Great video.

@rynewilliams 20 күн бұрын

Thank you my friend! Just keep climbing

@captnawty7966 19 күн бұрын

@@rynewilliams Your my "Go To" guy for awesome advice on how to build a better finical future. Wish you the very best my friend.

@devonharvey9757 26 күн бұрын

I've been waiting for this video 💪 Found you last year and you've helped a lot over my journey. I originally copied you and have really adjusted since. Thank you for everything you do here!

@rynewilliams 24 күн бұрын

Thank YOU for all of the support, it means a lot!

@nicksmith8141 26 күн бұрын

Doing nice work! This will really help people see the pathway. It took me 8 years to hit my 1st 100k with most of my money in a mediocre 401k. After I left that job and invested it myself is when the ball really got rolling.

@rynewilliams 24 күн бұрын

Thanks Nick, great job to you as well!

@Mo_Money_msm 26 күн бұрын

Quality video as always Ryne 👊🏻

@rynewilliams 26 күн бұрын

Thanks man! I appreciate you tuning in

@Duke_of_Prunes 26 күн бұрын

Great video, as always, and interesting subject. My online account will be 3 years old in July, and is currently at $55,136. Growth has played a big factor in my portfolio for 2024, and staying in large cap companies with high trade volume.

@rynewilliams 26 күн бұрын

Wow nice Duke, you've made some killer strides in 3 years

@nilsfranz123 26 күн бұрын

Comment for the algorithm, love ur videos 🎉

@rynewilliams 26 күн бұрын

Thank you so much! I hope you enjoy this one 👏

@Jayvazquez15 24 күн бұрын

My Dividend Portfolio is at $13k now which I’m excited about!!! Can’t wait to hit $100k and working hard on it but will work extra hard on it after I finish paying off the car loan…

@rynewilliams 24 күн бұрын

Heck yea, great job man! It'll feel good to have that car paid off...smart move getting that done

@DarrenJacksonFH 26 күн бұрын

This is awesome man! I've looked a lot into the significance of the $100k mark, especially with how dramatic the growth becomes afterwards. Keep it going! I'm sure it'll get fun from there lol.

@rynewilliams 26 күн бұрын

Thank you man! It's already fun, but it'll be even better after that first six-figure mark. We'll both get there eventually!

@DarrenJacksonFH 26 күн бұрын

@@rynewilliams Most definitely!🙏🏾

@dbcooper8676 26 күн бұрын

I'm just over halfway there, bought some more vici this week 👍

@rynewilliams 26 күн бұрын

Heck yea!

@UsefulDonkey99 16 күн бұрын

Great video!

@rynewilliams 12 күн бұрын

Thank you!

@ShameerRavji 26 күн бұрын

Thx for the vid. I DCA into the S&P500 in a Canadian version of a 401(k) plan :)

@rynewilliams 24 күн бұрын

Baller!

@arigutman 19 күн бұрын

A great video, Ryne, I can attest the $100K mark makes a tremendous difference...

@rynewilliams 19 күн бұрын

Thanks dude! I hope to get there sooner rather than later 😅🤞

@formerlyknownashammerofthegods 26 күн бұрын

Ten months in, 17,600 in my portfolio and close to 1100 in yearly dividends.

@rynewilliams 24 күн бұрын

Great job!

@JulioPalacios1 26 күн бұрын

Hey Ryan I don’t know if you remember me. But I had a portfolio value of 8.6k (18yrs). You rated my portfolio in one of your videos. Since then I have sold a good portion of my positions and have bought options calls. As of now I have roughly doubled my portfolio. I’m gonna be cautious and not use all money to buy calls/puts. My strategy is gain money and then buy/create my portfolio. That’s the quickest way I’m possibly going to be able to get to $100,000 mark.

@rynewilliams 26 күн бұрын

Julio of course I remember man! Congratulations on doubling your portfolio -- that's awesome! Keep up the great work

@briancrizaldo7640 16 күн бұрын

I think SCHD & SPLG would be a better combo than VOO since SPLG is a cheaper stock and has lower expense ratio

@Norfolkpaul 26 күн бұрын

Nice little video 😊

@rynewilliams 26 күн бұрын

Thanks Paul!

@Beautifullondonstories 26 күн бұрын

Great video mate from uk ❤

@rynewilliams 26 күн бұрын

Thank you so much!

@TheYaq 17 күн бұрын

it's not a sprint it's a marathon

@DarthVader1899 19 күн бұрын

Took me about 9 years in my current 401k. Took a loan to buy a house so that slowed it down but I got into the house before everything went crazy so that's a plus

@rynewilliams 19 күн бұрын

That’s definitely a plus, way to go!

@keepitraw1 26 күн бұрын

I get divided investing, but I wouldn’t be so far as i am right now. Recently invested like 15% in dividend stocks, but I only like the cashflow. Would rather do growth investments till I have much more money.

@TortoiseInvesting 26 күн бұрын

Staying consistent with your contributions, taking advantage of red and down trends (bear markets) will also help a lot. If you're DCAing into some ETFS, stocks, but you're able to amp up those contributions when things are down/bear market/red, I could see folks shaving years off especially over the long term. Never a bad idea to have money on the sideline waiting for when things do eventually go south. Great stuff man!!

@rynewilliams 26 күн бұрын

Absolutely, very well said man 👏

@thomashuang8401 25 күн бұрын

191k within a few more months than 3 years, I realize it could take longer for most but once you reach that 100k mark magic does start to really happen

@rynewilliams 24 күн бұрын

Wow that's good to know, great job!

@EtherealPanda218 20 күн бұрын

Great Video. I think with this day in age having so many different ways to save and have employer sponsor match and gig work and high yield savings acct getting to first 100k shouldn't take anymore than like 4-5 years tops.

@rynewilliams 20 күн бұрын

Thank you!

@hybridmoze2279 26 күн бұрын

Great vid, as a starter 53% of my Portfolio is in SCHD

@rynewilliams 26 күн бұрын

That’s awesome! What’s the rest of your portfolio look like?

@hybridmoze2279 26 күн бұрын

@@rynewilliams Thanks! So far 21% in O, 11% in EPD, 10% in MO and 5% in AGNC. I’m definitely going to expand more as I do more research. I don’t think I’ll hold AGNC for long either lol.

@rynewilliams 26 күн бұрын

Right on, that’s a big O position! Also, probably a smart move with AGNC

@glennshoemake4200 26 күн бұрын

Anyone else here holding AVGO? With the 10 for 1 split announced it should make it more available for investors who don't buy fractional shares. It took me about 3.5 years to get to 100k, but i also cut my eating out expenses and converted vacations to day trips.

@edwinb.2756 26 күн бұрын

Love the content and the spreadsheet...1 thing. The max of stocks on the spreadsheet is 30....I need 5 more spot? What are the odds of an update? Fingers crossed. Cheers!

@rynewilliams 26 күн бұрын

Unfortunately my friend I don’t see myself expanding the rows. If I expand it to 35, people will ask for 40. If I expand it to 40, people will then ask for 50…it will be a never ending thing.

@NickFrogameni 22 күн бұрын

Your first $100k is the $100k you should see the least. Set up an automatic investment fund day 1 you enter the “real world”, and then focus on getting REALLY good at something valuable for the next 5-10 years. Then, come back and say “hi” to your portfolio, and look at how it’s grown. That’s when investing starts to get fun :)

@rynewilliams 20 күн бұрын

That's a good way to look at it, thanks for adding that!

@sierratiffany1238 24 күн бұрын

I'm trying to figure out how to use skwad... Managed to get a csv report emailed and entered. Wondered if there's a way to designate different accounts (credit cards, bank accounts, etc.)? Thanks

@rynewilliams 24 күн бұрын

You should be able to tag or group transactions…that may be the way to do it

@KnightsOffical 26 күн бұрын

100k portfolio on the way, 100k subs on the way, keep it up, happy to be a part of it from long time ago !!

@rynewilliams 24 күн бұрын

I sure hope so. Thank you for all of the support my friend - it means a lot!

@tomasboavista100 26 күн бұрын

Hello ryne good to see you man im european.. whats the safest broker to reach these kind of numbers? 4k portfolio at the moment.

@rynewilliams 26 күн бұрын

I'm not too well versed in European brokers, but maybe something like Vanguard of Interactive Brokers would be good to look into?

@tomasboavista100 25 күн бұрын

@@rynewilliams Found Interactive brokers to be a bit confusing to use. What do you think about 212? Also in schwab account are you the beneficial owner of the stocks?

@Yeyos-om9xb 26 күн бұрын

Schd..vym or dgro? Great video!!!!

@rynewilliams 26 күн бұрын

I think they're all great. Out of the three, I personally own SCHD

@rolandosouffrain7957 24 күн бұрын

Oh wow. I feel special my growth portfolio is over $600k. And net worth over $700k. Well I am 48 so I am on track to be a Tax Free Millionaire by 59. Yay me 🎉🎉🎉

@andrewferguson451 25 күн бұрын

This is one great video! They say the first 100k is the hardest to get. A question though. Can that 100k come from appreciation of capital and dividends or does it have to come from your own money that you deposit into your account?

@rynewilliams 24 күн бұрын

It will come from a combination of all of those. Contributions, share price gains, and dividends reinvested

@andrewferguson451 22 күн бұрын

@@rynewilliams that is great to hear! Thank you!!

@HenryLopez-uw6hy 24 күн бұрын

What do you think about a Roth IRA that’s 100% in VTI?

@rynewilliams 24 күн бұрын

I don't think that's a bad way to go at all

@nic6778 20 күн бұрын

What to buy?

@kinhromah4187 12 күн бұрын

can i get the link to the dividend investment calculator,, i cant seem to find it

@rynewilliams 12 күн бұрын

dividendreinvestmentcalculator.com

@keepitraw1 26 күн бұрын

I save 4k CHF a month, but 100k doesn’t get you this far here.

@stefanniesiek9119 24 күн бұрын

in your opinion better for longterm dividend is stock RJF or MS ? The same sector financials

@rynewilliams 24 күн бұрын

I'm not sure...which one do you think is better?

@stefanniesiek9119 24 күн бұрын

Hmm idk 😂 PR rjf is 20 ms around 60.. yield ms 3.5 but rjf only 1.5 growth div better for ms..sooo i think ms win

@user-iw1cq4ft9t 26 күн бұрын

End of next year i will have (my goal)...to have 100000 in ky dividen portfiolo!

@rynewilliams 24 күн бұрын

Heck yea!

@user-uh7lr9uk2j 26 күн бұрын

I'm hoping to hit 100k by the end of the year.

@rynewilliams 24 күн бұрын

You got this!

@justinshearer8180 25 күн бұрын

My first 100 K took me 12 years but then the second 100 K took me 7 years the third 100 K took me five I projected the next 100 K to take 4.5 years

@rynewilliams 24 күн бұрын

That's awesome, thanks for sharing that Justin!

@JungleEddie 25 күн бұрын

I am creeping up on $100,000 and I just started a new job in the range of about $100,000 per year. Unfortunately, I am 56 years old, so I don't have a long as many of you before retirement.

@rynewilliams 24 күн бұрын

Just keep climbing my friend!

@nikiemaemma 25 күн бұрын

Hi there, Here is my investment journey so far and would like your input. - I am a registered nurse, employed with the same state run hospital that has pension contributions. I am not sure how much is in there right but around $100000. - My hospital offers an additional, separate employee voluntary investment 403B in witch now I have $38000(My current monthly contribution of $1000 - I started retail investing bia robinhood as well since 2021 and made lots of mistakes. I am now more focused on dividends stocks like SCHD. My current value there is $48000(still down 46% unrealized losses. i contribute around $1000/month - I also started last year an IRA via robinhood valued now at $5500 with goal max out yearly to $8000. Can I consider that I reached the benchmark number of $100000? Thanks

@rynewilliams 24 күн бұрын

I would say so, you're doing great!

@rhoelg 25 күн бұрын

I always thought you were Andrei Jikh 😂

@rynewilliams 24 күн бұрын

Haha what finally made you realize that I wasn't?

@calebmccalla9675 26 күн бұрын

Most people should just go 50% schg and 50% Schd

@rynewilliams 24 күн бұрын

That's a great combo

@michalhofrichter7573 26 күн бұрын

Great video but too short for my liking :(

@rynewilliams 26 күн бұрын

Thanks! Good thing there are plenty of other videos on the channel to keep the party going 👏

@michalhofrichter7573 26 күн бұрын

@@rynewilliams too bad that I've watched them all already haha

@alvaro93364 26 күн бұрын

I know getting to 100k is possible for me, question is just how fast can I get there. Im at 31k right now.

@rynewilliams 26 күн бұрын

It depends how much you’re contributing…that will drive a lot of the progress until you reach that $100k mark

@striperkid 25 күн бұрын

It took me 2.5 years to build a $100k portfolio. Most of it was my contributions (I did most of the heavy lifting) Now, the gains are more pronounced. I have a blend of stocks (growth & dividend) and some ETF's in there. I DCA a lot and watch for red days where I do most of my spending.

@rynewilliams 24 күн бұрын

Wow you got there super fast -- 2.5 years is impressive!

@Vacationtime247 26 күн бұрын

Kind of took a different approach, but we all get to our goals in various ways. One of the best decisions we ever made was to go 100% debt free and own our home outright, following some of Dave Ramsey's advice. Not having debt allowed those funds go towards investing instead. Went with some of Robert Kiyosaki's recommendations on owning physical Gold & Silver, though Dave is no fan of precious metals. Personally don't fully trust having all our funds stored digitally. Now, we're putting funds towards Treasuries and equities, thought I just can't help myself from buying Gold on occasion. VT247

@rynewilliams 24 күн бұрын

I really like the idea of paying off your mortgage. I'm sure that was a huge weight off your shoulders