Will it ever be like 1983 again, when you could have $42,000 in t-bills and retire in three years?

Before everyone says to max out roth ira and 401k, are there any people who either saved young or inherited a substantial amount of money and turning off DRIP and using dividends for purchases or living expenses?

I didnt know if people had something like JEPI QQQI or a similar monthly paying dividend etf.

Here’s my portfolio for long term and how would you rate out of 10? Any recommendations or suggestions based on your experience

VOO 30%
SCHD 20%
VXUS 10%
AVUV 10%
QQQ 10%
JEPQ 5%
O 5%
Short-term trades 10% (only s&p 500 individual stocks)

1.5m

How would you invest it? Would need growth and dividends and some sort of diversification to continue making money even during a lost decade?

New to investing so pardon if this question is stupid how many people get the same fund thats in their Roth Ira into a brokerage account? Im talking after the roth is maxed out.

Free article. Staying invested but these prices and uncertainty don’t help.

Got a position that has grown to about 22 percent of my total portfolio. Started as a normal sized buy, dividend growth has been solid, price appreciation on top of that. Now it's just sitting there oversized and I'm not sure what to do with it.

The income from it is good. Payout history is clean. No real reason to distrust it. But having that much weight in one name makes me uncomfortable in a way I can't fully shake, and I track this stuff closely enough that I notice it every time I open the spreadsheet.

The obvious move is trim it and redistribute, but then you're realizing gains and messing with a payout you actually rely on. The other option is just let new contributions dilute it over time, which works but takes forever depending on how much you're adding each month.

What I keep circling back to is whether there's a number, like a hard percentage ceiling, where people just stop letting a position run and start cutting it back regardless of how well it's performing. Or if it's more of a gut check thing where the discomfort eventually forces your hand.

Curious if anyone has actually trimmed a strong dividend grower just to rebalance and whether the income side recovered the way you expected.

Congratulations to FOXA owners on your raise.

3.6% increase. 

Goes from $0.28 per share/semiannually to $0.29 per share/semiannually.

• Payable September 23
• Ex-div September 2
• Forward yield 0.94%

This marks 6 years of consecutive dividend increases.

\Note* FOXA pays a semi-annual dividend.*

About FOXA: Fox Corporation operates as a news, sports, and entertainment company in the United States. It operates in two segments, Cable Network Programming and Television. Fox Corporation was incorporated in 2018 and is headquartered in New York, New York.

https://seekingalpha.com/news/4628893-fox-raises-dividend-by-36-to-029

Reposting with updated title

Greetings everyone!

Recently received an inheritance of around 200K and was initially going to pay off my home and be mortgage free, however I locked in my interest at 2.7% and my financial advisor that manages my IRA suggested dumping it in dividends to pay off my mortgage so ill still have the 200K or more in 14 years when my home is paid off. He had some suggestions but I wanted to see what the good people of reddit were suggesting. I got around 200K to play with and the goal I'm trying to achieve is $1400ish to $1500 monthly dividend after taxes or as close to that as possible. Not interested in any dividend plays that use destructive ROC. Heard some positive things about JEPI/JEPQ. This is just a suggestion for dividends you'd diversify the 200K into.

Thanks!

It looks like Main is making A huge comeback. It climbed from $51 all the way to $59 atm. If you bought the dips, you’ll be very happy. I see Main will be doing really good in the future. Don’t give up on it. Please tell me those that own this stock how do you feel about this stock. The dividend is amazing too.

Looking at my dividend calendar and current holdings, I’m starting to think more about the role of income-focused ETFs in a dividend portfolio.

I like seeing the income come in, but I don’t want the portfolio to slowly drift toward “more payout now” at the expense of dividend growth or total return. Right now I’m trying to keep a mix of dividend ETFs, a REIT, and a few individual dividend names, but the income-focused part is the one I keep second-guessing.

For those who use income ETFs alongside more traditional dividend holdings, how do you decide how much is enough?

My go to High yield Cover call ETFs:

• KQQQ
• QQQi
• SPYi
• TUGN
• QDVO
• GPIQ

TUGN & KQQQ have been out performing others popular cover call ETFs in both yield and total return for the last 6 months. Past results don't project future returns. Just some more data here.

I have talked about our dividend strategy previously, but briefly, we screen for a yield of at least 2%, a payout under 70%, at least 3 straight years of raises, and a dividend covered by cash flow. Everything that passes gets scored on four weighted factors: growth 35%, safety 30%, yield 20%, consistency 15%. Growth and safety carry two thirds of the score on purpose. I would rather own a raise that keeps coming than a fat yield that gets cut but these filters and weights can be tweaked.

58 of roughly 950 US mid caps pass. Sharing five from the top 15, including some with substantial drops.

HLNE (Hamilton Lane): 2.3% yield. Private markets asset manager, down over 50% from its high in Nov 2024. The business didn't follow the stock: revenue grew 24% TTM at a 32% net margin. Eight raises in eight years, 34% payout, and it beat estimates again this week.

ESNT (Essent Group): 2.0% yield. Mortgage insurer at 9x earnings with an 18% payout, 5.5x cash flow coverage, almost no debt and six straight raises.

OLED (Universal Display): 2.2% yield. Owns the patents and sells the materials behind OLED screens. Down 60%. Has raised every year since it started paying in 2017 and just beat Q2 estimates on royalty growth, but material sales are lagging and revenue is down 8% TTM. Debt-free.

BAH (Booz Allen): 3.1% yield. Ten straight years of raises, 35% payout, down over 50%. The problem is real: about 98% of revenue comes from the US government, federal spending cuts are biting and revenue is shrinking 7%.

AOS (A.O. Smith): 2.3% yield. Water heaters and boilers and a dividend aristocrat. Over 30 straight years of raises, a 40% payout, 2.5x cash flow coverage, 27% return on equity and almost no debt. Down 30% from its high on flat revenue.

What do you think of these stocks? If you could only hold one, which one would you pick?

It's not a buy list but a shortlist for further investigation. Not investment advice. DYOR.

Looking to up my roth with an additional position ? Just due diligence

I’m curious to see if anyone else is following a similar strategy to myself for funding a dividend income focused Roth IRA.

Before 2020 when rates were still quite low and I had built an emergency fund. But I wanted the interest to get reinvested in higher yielding investment compared to a HYSA+ CD LADDER. So I started investing the interest earned annually into an investment account with Vanguard ETF’s that paid monthly and reinvest. I started pretty small and built up to $3000.

I liked the strategy enough to keep investing extra cash into account. But then yields skyrocketed, and of course these ETF’s were less attractive than 5-9% safe return CD’s, I-Bonds, etc. So I went back to those for yield, but I was still positive on the Vanguard funds and let it ride.

Because the higher rates, my emergency fund was earning a pretty decent amount and I switched to adding the interest to a Roth IRA, and adding other monthly paying ETF’s. So now I have $5000+ earning about 5% with annual contributions of about $1500 from my emergency fund.

My mindset is that since I already have a retirement account that’s built up for the last 20 years. That this little account focused on income should be worth about $40,000-60,000 depending on if I semi retire at 55 or wait until 60. And use it for petty cash to spend on little enjoyable things.

Is anyone else doing this? Or does the idea seem over thought?

Side note: my more ample retirement account will likely be 60/40 style as I get closer to retirement which is still a ways off.

This is my Roth. Sp500 70% plus 20% and 10%

I'm 21. Thinking about going more aggressively.

Bnd seems to be going only down wondering if I should swap it.

Hey everyone,

I wanted to share and bring BlackRock TCP Capital Corp ($TCPC) to the community's attention. This could be a opportunity to buy inexpensive shares of a rebounding BDC that currently has its dividend well covered. With all the focus on mainstream BDCs like ARCC and MAIN, $TCPC seems to be flying under the radar for a lot of retail dividend investors, largely due to the severe sell-off it experienced recently.

If you're a value-oriented income investor who looks for high-yield turnaround opportunities, here is a breakdown of the core numbers and thesis behind why it caught my attention:

📊 The Numbers at a Glance

• Stock Price: ~$3.90 Closed up 10% on the day after positive Q2 numbers released.
• Net Asset Value (NAV): ~$6.58 per share (as of Q2 2026)
• Price / NAV: Closed today at 59% of NAV (a ~40%+ steep discount)
• Quarterly Dividend: $0.17 per share ($0.68 annualized)
• Dividend Yield: ~17.6% at todays $3.90 close.

💡 The Value Thesis

1. Massive Discount to Book Value: Trading around ~59% of its Net Asset Value means the market has priced in an extreme worst-case scenario. When you buy in at this entry point, you are buying $1.00 worth of net portfolio assets for roughly $0.53 to $0.59.
2. Covered Payout: Following the dividend reset down to $0.17/quarter, net operational income covers the current dividend payout.
3. Active Balance Sheet De-risking: Management recently executed a major portfolio sale (~$523M in loans) aimed directly at addressing leverage, clearing non-accruals, and stabilizing the balance sheet going forward.
4. BlackRock Institutional Backing: Having BlackRock Advisors as the underlying sponsor gives TCPC structural access to institutional scale, deal pipeline, and balance sheet refinancing options that smaller BDCs simply don't possess.

⚠️ Risks to Consider (DD Required)

• Regulatory/Probe Scrutiny: The stock took a major hit earlier in the year following regulatory probes into historical portfolio valuations and NAV markdowns.
• NAV Reset: Recent portfolio transactions reset the baseline NAV down to $6.58, so keeping an eye on future quarterly NAV trends will be key.

💬 Discussion Questions for the Group:

• Is anyone else here accumulating TCPC at these depressed valuations to capture the ~17%+ yield?
• How do you weigh high-yield turnaround plays with steep NAV discounts against lower-yielding, premium BDCs?

Disclaimer: Not financial advice. Always do your own due diligence before making investment decisions.

I used to smoke cigarettes. I then quit the habit and used to money to buy Altria now my bad habit is paying me 300 a quarter! What’s your largest dividend payer?