2Yr·

My dividend plan

I'll keep this short.

As you can see my plan is to get $5000 in dividends every month (or average). I sit down often and look where I need what and when.

Now I don't butter like many others in savings plans but use a margin account with a broker that doesn't offer that. My watchlist deals with about 50 stocks that I divide into several "folders" on. This leads to the fact that I often have to search in which folder they are.

The folders I have renamed in the months when the ex-day is ... Was not so smart with some because often it is so that the Payday 1Monat later is😅. This leads to the fact that mostly three months in the year is distributed too much and others limp. Joar as I said wanted to keep it short.

To the dividend hunters what goals do you have and how do you handle the monthly distribution?

#koksundnutten
#dividende
#dividendstocks
#dividendenjäger

attachment

13

54 Comments

2Yr

This year I crack the 400€ net per month 💪😁 In the future will try to increase every year by 100€ 😁👍

•

27

•

Andreas@Andreas1991

2Yr

@Simpson I think soon we have to play "Hunt a Homer"😅

•

2

•

SG@RundesBalli1

2Yr

@Simpson I also want to get in this direction. I'm now at ~100 a month. This is going straight into an ETF via a savings plan. 5000 summer job will soon go into a new dividend share, which will help to increase the savings rate.

•

2

•

Dividende > Zinsen@GoDividend

2Yr

@Simpson I can only do 400 in May, but we are working on it.

•

1

•

Christian@Thor-Ole1977

2Yr

@Simpson have this year also exceeded the 400 per month only with the increase of 100 per year more I do not manage. Your plan sounds good but therefore good luck to you 👍

•

1

•

2Yr

@Thor-Ole1977 thank you ☺️👍 the 100 per year per month are probably a bit too high🤔, I would have to get 3% net dividend to invest annually 40k 🤔😂 but on the other hand, there are also dividend increases🤔 alone gives at 5% increase on average 300 € more next year 🤔 let's see what comes out the next few years ☺️

•

1

•

Topper H.@TopperHarley

2Yr

Homer is simply the coolest parcel carrier in the world.

•

2

•

Steffi_goes_ESG_SRI@Steffi_goes_ESG_SRI

2Yr

@Simpson Energy cost flat rate likes this. Great! 😁

••

2Yr

@TopperHarley hey Topper long time not seen 👋😁 thank you ☺️ 👍

••

Topper H.@TopperHarley

2Yr

@Simpson Come back soon more regularly and realize: getquin is still a private chat of what feels like 20 regulars 😁

•

1

•

Hendrik@hendrik_lmr

2Yr

Here's a question from someone who doesn't follow a dividend strategy: Isn't it better to pick companies completely independent of their payout date or interval and divide the full year's dividend by 12? I understand that in the wealth building period you reinvest dividends immediately, but you are aiming to build passive income to live on at some point. So why buy companies by payout date and not 100% by conviction from the company? For example, in 2022 someone gets 20,000€ dividend spread over the whole year which he leaves in his clearing account. Starting in 2023, he can transfer €1,666.66 to his bank account every month with 100% certainty. This is how I would do it if I wanted to build a passive income every month, am I missing something?

•

13

•

Ayecaramba@Ayecaramba256

2Yr

@hendrik_lmr I see the same

•

1

•

Dividende > Zinsen@GoDividend

2Yr

@hendrik_lmr At the beginning, the regular additions to the clearing account of course support but from some point you're right, of course, it does not matter. In the meantime, I don't even look at it that closely anymore (you learn as you go along😅).

•

2

•

Andreas@Andreas1991

2Yr

@hendrik_lmr in principle this goes but I see it so that if monthly dividends come I can count on the month. Is more to keep it simple and nothing more^^>

••

2Yr

@hendrik_lmr definitely. As long as the entire dividend is always reinvested anyway and you don't build up any cash reserves, it's completely irrelevant. Afterwards, there's only one risk: if I bet everything on one dividend payer and it unexpectedly suspends its dividend, you might have a big problem. Therefore, several dividend payers would be good, but there, too, the time of payment is ultimately irrelevant. The money paid out "too early" can be parked in a call money account if it is foreseeable that it will definitely be used in 1, 2, 5 months.

•

1

•

Hendrik@hendrik_lmr

2Yr

@Amok Right. I also didn't mean choosing fewer dividend payers, I meant choosing your dividend payers based on conviction and not the month they pay out 🙌🏽

••

Andreas@Andreas1991

2Yr

@hendrik_lmr I think many misunderstand rather when one which share one buys

••

Deleted User

2Yr

Comment was deleted

Andreas@Andreas1991

2Yr

@DurableInvestor82 I think we're kind of talking past each other ... I summarize again. I want to try monthly the same distribution of simplicity. Of course it is possible with the daily money account etc.. That was not the subject and you should always choose quality shares that is the "duty". The failures can happen and has already happened and to prevent that you are right you should provide. Here, however, currently only the structure is made. And you should also diversify generously.

••

2Yr

@Andreas1991 No, we understand what you and many others mean. There are 10 good dividend payers, BUT I prefer to take another worse one, ONLY so that it pays out in the right month. That is what all questions a la: do you know a good payer for month x or which dividend stocks for month x are currently favorable? A well-founded answer with a much better and/or favorably valued payer is then ignored because it does not pay out in the "right" month x.

••

Andreas@Andreas1991

2Yr

@Amok achso yes so one I am not, but I also know. I make my plan mostly before which shares I want to have everything in the depot Look at the business and then look when I invest because I also look at a lot of shares and would like to pay more than what the current price is then so it bothers me then wen I have too little money to buy what. But I noticed when I go by distribution I have for the quarters month 9,12,3,6 fewer shares to choose from than for the others. Therefore, with a "constant" diversification, there will not be an even distribution, but in the beginning I think it is still possible to get a balanced dividend.

••

METABEAR@METABEAR

2Yr

@Andreas1991 which app do you use for the overview? Or is that the user interface of your broker. Thanks for the answer

•

7

•

Andreas@Andreas1991

2Yr

@METABEAR Divtracker is the

•

1

•

Divmann@Divmann

2Yr

1500€ per month until 35, ambitious but not impossible. Maybe I can do it. The distributions are even a little more uneven than yours, I have a peak in May and a lull in every first month of the quarter due to my German shares.

•

5

•

Andreas@Andreas1991

2Yr

@Divmann I haven't set a timetable yet. My plan is quite humane I just do not want to get out of the statutory health insurance no matter what happens😅

•

2

•

Michael@MichRider

2Yr

@Divmann same here. Still looking for a good stock for the first quartas (no tobacco, no more REIT, no communication company)

••

2Yr

Yes 400€ is also realistic for me this year 👍

•

1

•

BigMo@Molizi_SERNOVA

2Yr

App?

•

1

•

Dividende > Zinsen@GoDividend

2Yr

@Molizi_SERNOVA @Andreas1991 yes which app do you use?

••

Dividende > Zinsen@GoDividend

2Yr

@Kundenservice we want to have this displayed here in the app when bugs are fixed and performance is right 😅

•

1

•

Andreas@Andreas1991

2Yr

@Molizi_SERNOVA Divtracker

•

1

•

Kundenservice von getquin@Kundenservice

2Yr

@GoDividend We'll see what we can do ;)

•

3

•

2Yr

https://apps.apple.com/de/app/dividend-tracker-stock-market/id1564179613

••

2Yr

•

1

•

Leo@DasistderWeg

2Yr

Have as FSJler and now as a student freshly started on the stock market. (beginning of February) For me, actually only a dividend strategy came into question. goal this year are the 100€ net/ per year. currently I stand at just under 95€, so it should be achievable, despite low sums. in the long term 3000-4000€ net per year would be a dream 👍🔥

•

1

•

Andreas@Andreas1991

2Yr

@DasistderWeg what are you studying? enclosed "This is the way"

•

1

•

Leo@DasistderWeg

2Yr

@Andreas1991 So I'm only from October student 😂 I call me so far only ;) Law 👍

••

Andreas@Andreas1991

2Yr

@DasistderWeg there you crack later with the million 😉 So if you have n study place is the statement also not wrong^^ But I think your plan will certainly adapt after graduation but law is already a hard subject

••

Leo@DasistderWeg

2Yr

@Andreas1991 Above all, hopefully the savings rate will increase 👍 Of course it's a real diligence study, but I can do it😂

••

Andreas@Andreas1991

2Yr

@DasistderWeg I don't tell anyone that he can't do it or whether he can do it - you have to prove it to yourself. However, I also believe both when someone says he does not make it or if he makes it so🤷. Well I think that increases dramatically if you want that😅.

•

1

•

Markus@MarkusRa

2Yr

What kind of app is this?

••

Andreas@Andreas1991

2Yr

@MarkusRa Divtracker

•

1

•

2Yr

May I ask what dividend yield you expect? So vllt I think auhc too small but 5000 $ / Euro dividend in the months sounds for me übelst crass!

••

Andreas@Andreas1991

2Yr

@MaxD well that's actually just a goal for me here is no timetable but I think if you can save 1000€ (and possibly increased) every month, the exchange rate goes back up and permanently reinvested and partial sales certainly pack in 40years. And every motivational monks preaching set you unrealistic goals for a certain period of time to be faster at the goal zusein. but have no time period but I think 40years at 5% dividend yield sounds real

•

2

•

Stephan@Dividende4Rente

2Yr

Which program/app is the graphic from? I think it's cool for displaying goals/milestones

••

Andreas@Andreas1991

2Yr

@Dividende4Rente is the Divtracker app

••

2Yr

What is the name of the tracking app? And approximately how much do you need to have invested to achieve this? How long does it take approximately?

••

Andreas@Andreas1991

2Yr

@Miohunt hi the app is called Divtracker.

So I assume a 5% dividend yield and I think from €1,200,000.

However, these are just bare figures and it could be more or less for various reasons.

••

Stephan Schnee@MrCumEx

2Yr

I think your portfolio is very ingenious. Keep up the good work Altria is the best!

••

View all 2 further answers

2Yr

Which app is that?

••

Deleted User

2Yr

Comment was deleted

Join the conversation