Dividend investing isn’t bad. In fact, I still love dividends and I still own a lot of them. But my portfolio doesn’t look anything like it did when I was 22 or 23, and in this video I want to explain why.
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If you’re in your 20s and trying to figure out whether dividend investing makes sense, this is the honest version. I break down why dividends are so appealing, why I built my portfolio around them early on, what they can and can’t realistically do with a smaller portfolio, and why my strategy changed as my income, rental cash flow, and investing goals evolved.
This is not an anti-dividend video. It’s a more honest conversation about when dividend investing actually makes sense, what role SCHD, VOO, and VTI play in my portfolio today, and why passive income is still the goal even if dividends aren’t always the best primary tool in the accumulation phase.
WHAT I COVER:
– Why dividends are emotionally powerful for beginners
– The real math behind dividend income in smaller portfolios
– Why your contribution rate matters more early on
– Why I shifted part of my portfolio toward VTI and VOO
– How rental income changed the job my stock portfolio needed to do
– Why dividends still matter to me today
CHAPTERS:
0:00 – This Is Not an Anti-Dividend Video
0:55 – Why Dividends Pull People In
2:47 – What Dividends Can and Can’t Do
4:54 – Why My Portfolio Changed
6:54 – What Your Portfolio Is Actually Supposed to Do
8:35 – What My Portfolio Looks Like Now
10:05 – What I’d Tell My 22-Year-Old Self
11:50 – The Real Question to Ask Yourself
FTC Disclosure: Some links above are affiliate links. I may earn a commission at no extra cost to you.
#DividendInvesting #PersonalFinance #InvestingInYour20s
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I do have a question. For someone with less than $5,000 to invest????How would you recommend we enter the market?? I'm looking for traders strategy rather than investing myself and losing money!! What's your take on this approach????🇺🇲🇺🇲
I'm thinking of doing a dividend etf for only 10 years because if I dollar cost average $200 a month into either SPYI or QQQI, then that's $500 a month.
Having that kind of monthly income would making working easier and allow me some breathing room as jobs get automated, benefits get cut, and life getting more chaotic. After I get that $500 a month dividend. I can focus more on building my Roth IRA.
Good for you. Is McDonald’s a growth or dividend company?
Dividends are a nice entry way for new investors to get excited about investing, lil thing to look forward to. Young investors should definitely target growth 100% (Total Return/Appreciation).
You don't need to slow down your portfolio, as you're aggressively funding it (Down, Up, Sideways) your not drawing from it, so you shouldn't worry about the fluctuation. Market dips are opportunities to buy more shares.
Im getting major AI bubble vibes, and SCHD seem resilent againts that. Im pooring my money into SCHD and maybe in a year or two go heavy into VOO or VOOG.
I'm in the same boat, sort of. I still have some heavy dividend funds, but I'm pursuing other factors more aggressively now. Getting real money (dividends) every month from an income ETF always feels great, but I want to look at faster total returns, especially in today's market.
All depends on the market. People are way to used to the current volatility and explosive growth. If you look at a market like 2000, as a whole, it traded sideways for over a decade. Dividends can save you in markets like that.
is this video more about ur investing account or your ira account? or is it both
Jepq, schd, voo, nvidia, mo, palantir, pm, almost 2 years in. 50,500.00 approximately in robinhood. Starting 401 k.
I Started Investing Late At 38 & I'm All In On The Idea Of Monthly Passive Income. But I Agree That There Needs To Be Some Growth In There As Well. 🤑🤌🏾
I'm really new to the market, and I knew something like this wouldn't change my life overnight, but my goal is to make enough within the next 10-20 years to have an option to retire early or cut back my hours at work
😂
I started investing around 2020 and found multiple channels who talk about dividends. I personally like to buy and hold some individual companies, and VTI and SCHD and watch things grow.
From Australia. But living in US I started investing a week ago. with $5k, now I am over with $23,955 It's a great start with stock market. Thank you both for the information.
When I first started investing I had SCHD I sold and bought SCHG instead
After spending two years paying off all my debt, I'm now in a position to put away £76660 a month. So the plan is £6660 in an emergency fund and invest the remaining £70k.
Wife and I are 24 and we have zero dividend stocks.
We have $130k invested in retirement SWTSX 90%, and 10% SWISX. Starting brokerage soon and will be 100% VTI we have kiddos too.
Honestly, too many people treat investing like a lottery ticket and then blame the market when it goes wrong. What changed everything for me was focusing on financial education, risk management, and real strategy instead of random predictions. Since then, grew a Portfolio of around $248k in the space of a few months not from luck, but from the right approach and consistency.
I keep my growth fund in my Roth account and my dividend fund in a taxable account let growth grow taxable free and dividends be taxed on more favorable long term capital gains but as always for what works best fir you and your situation
Long story short: the YouTube money kicked in
if you are doing an IRA then you arent touching it for 40 years anyways, so just let it compound where you LITERALLY cant take it out (you can sell it but cant take out profits untill 59,5 years old. so im looking at dividend ETFa because there is potential for ETFs that are super competitive payers, and if A.I. is actively preventing losses, boosting profits and distributing dividends, thats a no-brainer IRA (as long as the ETF is well done and lasts that long)… fingers crossed.
I usually see 20 to 200% increase in my dividend stock value the first year I buy in them (averaging around 75% + an average of about 5.5% dividend rate when I buy in) unless your growth stocks are up 100% every year then dividend stocks have plenty of growth if you buy in at the right times when other people are scared and moving out
You're coping so hard to justify your missed gains. If you invest in anything other than VOO and you don't beat VOO then really what is the point lol
It's really simple. If you're pre-retirement, reinvest the dividends and come back to your portfolio when you retire. Then start paying yourself with dividends so you don't have to withdraw from your retirement principle.
I do growth dividends
Dude realized he was 20 and not 70
SCHD, JEPQ, ETLGX.. set it and forget it .
You're too young to go for dividends; you need to be into growth.
I have about 2/3s growth and 1/3 dividends (Jepq, Gpiq, Gpix, Lvhi, Eufn)
We have to pay taxes no matter its dividends or growth stock right?
I have 300k in my 401k VTSAX ,FXAIX, and FTEC are my holdings. I have 30k in a Roth IRA. 7 Rental properties. 50k in a brokerage invested in TESLA. I am now shifting to straight SCHD. I have another 16 years before I can collect social security so my plan is to shift to 100% passive… it’s a messy plan but does the job.
Zionist murdering "Star of Chiyun" (AMOS 5 : 26)
"Star of Remphan" on his wall (Acts 7 : 43)
QQQI and VOO is my main two
70% VOO / 30% SCHD PRE-RETIREMENT
70% SCHD / 30% VOO POST-RETIREMENT
Keep it simple!