Dividend investors, if you were to start as a beginner, what will you do?

[Trader11]

I prefer companies that gives dividend

Dividend in pocket is real cash
Share price $100 on cd
dividend $5
xd price $95

if after receiving div or xd
share price goes back $100
You gain $5 in pocket
or they say free dividend

I hate growth companies
that don’t give dividend
tell shareholders company reinvest dividend
to grow the company
but director and owner ownself take 5-10 months bonus every year
if shares price keep going up
over 3-5 years
from $100-$120 or to $150
as shareholders we are happy
but when unforeseen crisis comes
or recession
All companies share prices crash
this growth company from $150
become $50 or $80
all the promises of ”dividend reinvestment”
shareholders Become poorer
but only the director or the CEO
Bonus and remuneration in pocket

and companies they have been giving dividend
their shareholders can at least say
heng i collected the dividend
last 5 years

The growth companies like Tech companies are frauds.....their shares are pumped out because of low interest rate

 

[limster]

So far, i have seen and heard more success stories with dividend investing than other strategies of investing or stock trading.

True. Why are the others so silent about their actual returns?

I don't understand why the dividend haters spend so much time attacking dividend investors instead of showing how good their own investing strategy is.

I don't spend my time attacking growth stock investing strategies for example. I'm too busy counting my passive income while DW is busy spending passive income eating nice food in malls where he is a part-owner!

Why don't these dividend haters set up a blog and journal, so that we can actually see the returns of their strategy vs other bloggers who like dividends and post their portfolios on their blog? After all, the best way to convince people to stop dividend investing is to provide an alternative that provides a much higher return.

 

[sohguanh]

I buy both growth (IWDA) and dividends stocks to balance out the wait. If iwda doesn’t go up (it might even be down) during my retirement, at least i get some dividends without selling at a loss.

Your strategy is same as mine. But I want to ask you IWDA you buy direct using USD? Say later you retire you sell you get back USD correct? Then depend on the exchange rate you convert back to SGD won't that have a hit on your overall total profits? The USD-SGD money exchange trend I see is USD is not as strong as before. I start to think about this as only last year I start to diy and buy US stock/ETF direct. Hmmm....

 

[loveboon]

True. Why are the others so silent about their actual returns?

I don't understand why the dividend haters spend so much time attacking dividend investors instead of showing how good their own investing strategy is.

I don't spend my time attacking growth stock investing strategies for example. I'm too busy counting my passive income while DW is busy spending passive income eating nice food in malls where he is a part-owner!

Why don't these dividend haters set up a blog and journal, so that we can actually see the returns of their strategy vs other bloggers who like dividends and post their portfolios on their blog? After all, the best way to convince people to stop dividend investing is to provide an alternative that provides a much higher return.

Spot on bro. Any strategy is a good strategy as long it works for your situation.

 

[sohguanh]

True. Why are the others so silent about their actual returns?

I don't understand why the dividend haters spend so much time attacking dividend investors instead of showing how good their own investing strategy is.

I don't spend my time attacking growth stock investing strategies for example. I'm too busy counting my passive income while DW is busy spending passive income eating nice food in malls where he is a part-owner!

Why don't these dividend haters set up a blog and journal, so that we can actually see the returns of their strategy vs other bloggers who like dividends and post their portfolios on their blog? After all, the best way to convince people to stop dividend investing is to provide an alternative that provides a much higher return.

I think Mephist0pheLes reader has a blogspot you can go take a look.

-- cut here --
Personal finance, investing and some analytics
https://ml-finance.blogspot.com/

 

[sohguanh]

If your expectation of gain is years
why don’t you consider buying a bond?
at least they return you in par on maturity

Individual bond is usually 250K ! So I get indirectly involved with bond funds but my experience with them is not so good. I start with fsm way back in early 2000 so from there I have bond,equities,balanced,multi-assets etc mutual funds. From there till now I can roughly see which is giving the best gains and bond is not one of them. Maybe it is a bond fund instead of the actual bond itself but entry too high 250K wow!

 

[Trader11]

I think Mephist0pheLes reader has a blogspot you can go take a look.

-- cut here --
Personal finance, investing and some analytics
https://ml-finance.blogspot.com/

This bro is good leh....net worth reaching a million soon

 

[sohguanh]

This bro is good leh....net worth reaching a million soon

Yes you should follow his strategy indeed since you are more geared towards capital gain direction.

 

[beta93]

Bro I get what you mean. In reality, the reits can fall 50% and your yield will not be enough to cover. But you can buy more or give up on this reits...so the risks is still there

You don't get what he means, he means that $50 in dividend is just taking money from company earnings to pay you rather than reinvesting that, but the truth is mature companies should pay dividends or share buyback because they got nowhere else to invest that money

 

[beta93]

https://ibb.co/ngvmPM5
Since no one share their returns I will share mine, I started investing at 2021 peak bull market, I have another portfolio which gains $1000 usd by investing in t14 haha should have held longer and only sell after it reaches intrinsic price, so total I beat snp500 by about 10% or so

 

[thretiredDad]

This bro is good leh....net worth reaching a million soon

Who add cpf into networth?
funny

 

[Mephist0pheLes]

Who add cpf into networth?
funny

i do, and many others, since CPF can be use for housing, children's education and retirement.

which part of the net worth definition states that illiquid assets are not counted towards networth?

 

[sohguanh]

Who add cpf into networth?
funny

Actually CPF is your own monies so should be in. But if you just want to look at the non-CPF component just ask the original reader to split it out and you take a look. It is quite impressive at least to me. Of cuz one could argue ask them screen-shot their respective broker, financial insituition statement of holdings etc to be genuine but that is infringing on individual privacy so I respect that.

 

[Mephist0pheLes]

Actually CPF is your own monies so should be in. But if you just want to look at the non-CPF component just ask the original reader to split it out and you take a look. It is quite impressive at least to me. Of cuz one could argue ask them screen-shot their respective broker, financial insituition statement of holdings etc to be genuine but that is infringing on individual privacy so I respect that.

even screenshot can be photoshopped tho.

 

[sohguanh]

even screenshot can be photoshopped tho.

I don't see how one want to photoshop their screen-shot if it is going to help them make monies. Maybe they got more sophisticated scheme to earn monies by providing photoshopped screenshot hmmm

 

[Trader11]

Who add cpf into networth?
funny

CPF is a bondlike asset

 

[Trader11]

https://ibb.co/ngvmPM5
Since no one share their returns I will share mine, I started investing at 2021 peak bull market, I have another portfolio which gains $1000 usd by investing in t14 haha should have held longer and only sell after it reaches intrinsic price, so total I beat snp500 by about 10% or so

Mine is down 50%....but long way lah...can wait for some good tech stocks to recover in the future

 

[thretiredDad]

i do, and many others, since CPF can be use for housing, children's education and retirement.

which part of the net worth definition states that illiquid assets are not counted towards networth?

I at most take my OA into consideration
I have hit my frs limit
SA or MA I don’t
will add when i reach 55

 

[beta93]

Mine is down 50%....but long way lah...can wait for some good tech stocks to recover in the future

You tell me your picks I do fundamental analysis for you

 

[limster]

I think Mephist0pheLes reader has a blogspot you can go take a look.

-- cut here --
Personal finance, investing and some analytics
https://ml-finance.blogspot.com/

Thanks, just saw that his portfolio is 71% cash + CPF and 29% equities, so basically 70-30 ultra conservative. Hope he continues to update and reports YTD performance