2Yr·

Dividend shares:

The demand for good and stable dividend shares is constantly increasing. More and more questions are being asked about the reasons why dividend hunters pursue such strategies. Questions about the recommendation of good and moderately safe dividends are just as frequent.


I have therefore prepared a small list of various dividend-paying ETFs and shares for you and would like to ask you to add to it.



What are your motivations for dividend stocks?

What are your favorite HIGH dividend stocks?

Do you have any high dividend ETFS ?

Would you like to add to this list ?


First of all:


This list is not a recommendation to buy or sell and should not be regarded as investment advice. It merely serves as a list and overview. This list is not complete, but an overview of those stocks that are particularly popular in general and also here in the GetQuin community, for a variety of reasons.


Reasons:


  • Compound interest effect: If I invest e.g. 5000 euros this year, I will receive a reasonable dividend which I will reinvest next year. For my example, I use 5% after tax. The €5000 per year is an average of €416.66 per month.

1st year: €5000 → 5% = €250 interest

2nd year: € 5250 from the previous year + € 5000 new investment =

€ 10,250 → times 5% = € 512.50 dividend. Without the € 250 dividend from the first year

it would only be € 500 If you now extrapolate it to 30 years, you will find that the interest / compound interest exceeds the capital invested after a few years. This depends on the amount of your invested capital, the dividend amount of the selected shares and, above all, the investment period.


The dividend increases every year. Provided you reinvest everything skillfully. What do you estimate? In my example, from which year onwards will the dividend income exceed the capital invested?


3rd year: € 10762.50 + € 5000 NEW INVESTMENT = € 15762.50 → 5% = € 788.12

4th year: € 15762.50 + € 788.12 + € 5000 = € 21,550.62 → 5% = € 1077.53

5th year: € 21550.62 + € 1077.53 + € 5000 = € 27628.15 → 5% = € 1381.41

6th year: 27628.15 + 1381.41 + 5000 € = 34009.56 → 5% = 1700.48 €

7th year 34009.56 + 1700.48 + 5000 € = 40710.04 → 5% = 2035.50 €

8th year 40710.04 + 2035.50 + 5000 € = 47,745.54 € → 5% = 2387.28 €

9th year € 47,745.54 + € 2387.28 + € 5000 = € 55132.82 → 5% = € 2756.64

10th year € 55,132.82 + € 2756.64 + € 5000 = € 62889.46 → 5% = € 3144.47


After 10 years, you have invested €50,000 and have a capital of = €66,033.93. Accordingly, you have earned € 16,033.93 through the compound interest effect.


Good or what? Let's see what happens after 15 years ....


11th year: €66033.93 + €5000 = €71033.93 +5% = €3551.70 = €74585.63

12th year:€74585.63 + €5000 = €79585.63 + 5% = €3979.28 = €83,564.91

13th year:€ 83,564.91 + € 5000 = € 88564.91 + 5% = € 4428.25 = € 92,993.16

14th year:€ 92,993.16 + € 5000 = € 97,993.16 + 5% = € 4899.66 = € 102,892.82 !!!!!!!!

15th year:€102,892.82 + €5000 = €107,892.82 + 5% = €5394.64 = €113287.46


Let's note that after 14 years in which you invest €5000 every year and have reinvested all dividends

reinvested, you will have a capital of over €100,000 in my calculation example.

After 15 years, your expected dividends will exceed your annual investment of €5,000. This means that from the 15th in my calculation example, you earn more compound interest than you invest.


When do you think you will exceed €500,000? Do you really need 5 times as long as for the first €100,000?


16th year: € 113287.46 + € 5000 = € 118287.46 + 5% = € 5914.37 = € 124201.83

17th year: € 124201.83 + € 5000 = € 129201.83 + 5% = € 6460.09 = € 135661.92

18th year: € 135661.92 + € 5000 = € 140661.92 + 5 % = € 7033.10 = € 147,695.02

19th year € 147,695.02 + € 5000 = € 152695.02 + 5 % = € 7634.75 = € 160329.77

20th year € 160329.77 + € 5000 = € 165329.77 + 5 % = € 8266.40 = € 173596.26

21st year € 173596.26 + € 5000 = € 178596.26 + 5 % = € 8926.81 = € 187526.07

22nd year € 187526.07 + € 5000 = € 192526.07 + 5% = € 9626.30 = € 202152.37


After just 7 more years of brave saving and reinvesting, we will probably reach the €200,000 mark. Come on, let's keep playing the game until we reach the €500,000 limit. But one thing is already certain, the first €5,000 were the most important !!!!


23rd year:€ 202152.37 + € 5000 = € 207152.37 + 5 % = € 10357.62 = € 217509.99

24th year:€ 217509.99 + € 5000 = € 222509.99 + 5 % = € 11125.50 = € 233635.49

25th year:€ 233635.49 + € 5000 = € 238635.49 + 5 % = € 11931.77 = € 250567.26

26th year:€ 250567.26 + € 5000 = € 255567.26 + 5 % = € 12778.36 = € 268345.61


On average, you now have more than €1000 income per month. This already exceeds the pension of many people here in Germany. The more important question is actually how much beer do we get at the bar in Thailand?


27th year: 268345,61 € + 5000 € = 273345,61 € + 5 % = 13667, 28 € = 287012,89 €

28th year € 287012.89 + € 5000 = € 292012.89 +5 % = € 14600.64 = € 306613.53

29th year € 306613.53 + € 5000 = € 311613.53 + 5 % = € 15580.68 = € 327194.21

30th year € 327194.21 + € 5000 = € 332194.21 + 5 % = € 16609.71 = € 348.803.92

31st year € 348,803.92 + € 5000 = € 353803.92 + 5 % = € 17690.20 = € 371494.12

32nd year € 371494.12 + € 5000 = € 376494.12 +5 % = € 18824.71 = € 395318.83

33rd year € 395318.83 + € 5000 = € 400318.83 + 5 % = € 20015.94 = € 420334.77

34th year € 420334.77 + € 5000 = € 425334.77 + 5 % = € 21266.74 = € 446601.51

35th year € 446601.51 + € 5000 = € 451601.51 + 5 % = € 22580.08 = € 474181.59

36th year € 474181.59 + € 5000 = € 479181.58 + 5 % = € 23959.08 = € 503140.66


After 36 years, you will probably have reached the €500,000 capital capital. It can be assumed that you will then receive around € 24,000 in dividends per year. That is 2,000 euros per monthmonthly average. I don't think most Germans will even reach this average as a pension at the moment.


How much capital have you invested and how much is interest?


Of the €503140.66, just €180,000 is capital invested

36 * 5000 € = 180.000 €


The rest, i.e. € 323,140.66 is compound interest !!!!!!!! Because you have bravely reinvested everything. It would probably be possible for most people to quit their main job now and either

take early retirement or at least go down to 50% or something similar.


Please consider a few things about this projection:


Of course, I cannot guarantee that this will be the case. The 5% is intended as an average, after tax. Due to inflation, it can also be assumed that €5,000 is worth a lot more today than later. This means that the savings amount can certainly be increased every 5 years. However, you cannot include all eventualities and factors in such a calculation. I have always rounded up or down to two digits and only taken the annual average although we sometimes receive dividends on a monthly/quarterly basis.

Of course, price fluctuations must also be taken into account. Many shares will go up considerably, but others may disappear from the scene. Unfortunately, we cannot look into the future.


Let's assume that you have paid off a property worth over €500,000 in the course of these 36 years and are now selling it and investing in Thailand or another beautiful place in the world, you will have a damn good life.


In many countries around the world, you can buy a great house for €100,000 - €200,000.

You still give your kids something (hopefully they come with you, that's the hardest part) and you still have a lot of money left over.


And if I pass away at some point, my children will already know what to do with the shares ;-) EXPAND !!!!


So, I actually just wanted a list of high-dividend stocks with reputable companies. Sorry, I digressed a bit :D :D :D


I'm really looking forward to your additions:


I would like to find a list of reputable favorite companies for the bookmark list

in the dividend area, but with more than 4.5 % dividend payout, before tax!

Where we can at least assume that these companies will, in all probability

will play an interesting role in the market for a long time and are not planning to stop paying dividends. Please form your own opinion about your investment before buying!

This is not a recommendation or advice!


Here we go ;-)


Telecommunications:


AT&T = dividend yield of 7.65 % / payout every 3 months

RTL Group = dividend yield of approx. 14.48 % / distribution annually


Insurance companies


Allianz = dividend yield of approx. 6.06 % / distribution every 12 months


Banks and finance


Bank of Nova Scotia = dividend yield of approx. 6.27 % / distribution every 3 months

Hercules Capital = dividend yield of approx. 13.17 % / distribution every 3 months

Nordea Bank Abp = dividend yield of approx. 14.63 % / distribution every 6 months

Stag industrial = dividend yield of approx. 4.86 % / distributed monthly

Iron Mountain = dividend yield of approx. 5.02 % / distribution every 3 months

Cswc = dividend yield of approx. 14.05 % / distribution every 3 months

Ares Capital = dividend yield of approx. 9.04 % / distribution every 3 months



Tobacco and Co.


British American Tobacco = dividend yield of approx. 6.31 % / payout every 3 months

Altria = dividend yield of approx. 7.86 % / payout every 3 months

Philipp Morris = dividend yield of approx. 5.67 % / payout every 3 months

Imperial brands = dividend yield of approx. 6.68 % / payout every 3 months


REITs


Gladstone Commercial = dividend yield of approx. 8.72 % / distribution every month

Realty Income Corp = dividend yield of approx. 4.90 % / distribution every month



Mining and commodities


Rio Tinto = dividend yield of 11.21 % / payout every 6 months

BASF = dividend yield of approx. 7.48 % / payout every 12 months


Healthcare sector


Omega Healthcare = dividend yield of approx. 8.74% / distribution every 3 months

Medical Properties Trust = dividend yield of approx. 10.60 % / distribution every 3 months


Technology and software


Intel = dividend yield of approx. 5.3 % / distribution every 3 months


Consumer Goods / Industry Consumer


3M = dividend yield of approx. 4.85% / payout every 3 months

Gladstone Investment = monthly distribution plus special distributions / approx. 10 %

B&G Foods = dividend yield of approx. 12.23 % / distribution every 3 months


Energy


e on = dividend yield of approx. 5.93 % / distribution every 12 months

Iberdrola SA = dividend yield of approx. 4.62% / distribution every 12 months

UKW = dividend yield of approx. 4.66% / distribution every 3 months


Transportation


German Post = dividend yield of approx. 5.00 % / distribution every 12 months


Automotive sector


Volkswagen = dividend yield of approx. 5.80 % / payout every 12 months


Distributing ETFS


Vanguard Funds PLC / All World High Dividend

IE00BBGKDB10


VanEck Morningstar Developed Markets

NL0011683594


SPDR S&P U.S. Dividend Aristocrats

IE00B6YX5D40


Fidality Global Quality Income Bench

IE00BYXVGZ48


Ishares Stoxx global select Dividend

DE000A0Z27AO


S&P Global Dividend Aristocrat

IE00B9CQXS71


SOURCES:

www.aktienfinder.net

www.aktienfinder.net/aktien-mit-hoher-dividende

www.google.de



A small conclusion,

I've only been in the business for 8 months and I'm really enjoying it and this community. However, with my limited experience, I cannot not rule out mistakes.

So please don't make mistakes or misjudgements, stoning. I am not making any recommendations to buy or anything else. I would also like to emphasize that HIGH dividends in particular should be examined critically before buying. This list is looking forward to your additions.


All the best from Luxembourg


Andi / Souli

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55 Comments

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Very nice. That's exactly how I do it. But am I right in assuming that you have always calculated with 5% and thus have no dividend increase in it? That makes it easier, of course. In practice, however, you can assume that it goes even faster than 36 years ;)
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@DividendenWaschbaer No, I have not included any increase in new investments. After 36 years, you will certainly be able to pay in more due to inflation.

But things will certainly happen that will put the plan to the test. Company bankruptcies or dividend deductions or something like that.
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@Souli1984 Absolutely correct. You just took the average, so to speak. I think it's great and I also regularly do the math to see what it looks like for me, what has changed, etc. :)
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@DividendenWaschbaer This is also important to stay up to date.
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I feel and I go exactly this way 🚀
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Wrong time for dividends, they will be cut or cancelled due to the review at almost everything company. See historical data like 1992 ...
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@EurieNet Thanks for the argument. I also see a danger there Sa you're right. But there are three arguments in favor of buying. 1. all stocks will suffer. The yield on growth stocks will also fall. 2. dividends are unlikely to disappear completely. 3. how long did the past crises last? every crisis will pass, I would argue :-) 4. the prices for shares will also shrink. This may even have a positive effect in the long term
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@EurieNet
Who doesn't remember the year 1992 when heavyweights like Coke, McDonalds, J&J and Walmart scrapped their divis🤣
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@TorteInYourFace Most companies have suspended their dividends.
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@EurieNet
🤣🤣🤣🤣 All of them have been increasing their dividends every year for over 50 years. I think you just typed everything wrong with your lousy spelling🤣 Anyways, you're full of bullshit
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Ah, I think I see the problem. You misspelled 1929. Impressive, you have to manage that first.
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@TorteInYourFace then send me a link and prove the claim.
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@TorteInYourFace Now at least I know where you are looking for your shares 😂
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Maybe I should have copied the link from a math book, but don't worry about my portfolio. Stable in the green through the bear market with wonderful divis. Which obviously can't be said of your strange collection 🤣
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Of course I would also be interested in what you are currently teaching at elementary school.
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A super contribution. Sometimes you need motivation like this to keep going. THANKS
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@Thomasyan with pleasure :-)
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@Thomasyan Why persevere - with the right values, you can do a lot when everything else is falling apart 😉
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$FSKFinance $CSWC Finance $ARCC Company participation@ccf
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@Tabularasa I will update everything tonight. Thanks for the additions
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Never seen so many numbers 😵‍💫 @ccf
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Great post. And very detailed. Thank you. 🙏
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@ReichDurchSparen Thank you very much for the compliment
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Strongly made and presented 👍🏼👍🏼
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@Aktienboy97 Thank you
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Super contribution, also my way and the 5000 correspond exactly to my annual goal.
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What good is a good dividend if the share price only goes down - you have listed one or two of them - so don't just pay attention to the dividend, but also to the growth opportunities 😉
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@Leuchtturm There are currently a lot in the cellar. It's a bad time to compare.
To each his own way:-)
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@Souli1984 just because a company's share is down is not (actually) a reason to buy more, is it 🤔 I for one am not sinking my money in this way 🤣 there are certainly one or two candidates for additional purchases. Nevertheless ... everyone as he/she likes - Dirk money, your responsibility 🤣
@Leuchtturm That's how it is. Dividend investors (I was also once a 100% dividend-oriented investor) are initially fascinated by the idea. Then somehow the realization comes: ups dividends are technically a price withdrawal and when compared to a world ETF you look old. That's why I reallocated a lot in 2021. This has cost 20٪ dividend income and unfortunately due to the Ukraine war etc. Hasn't brought more growth so far. In the long term, however, a msci world distributor is always better than a sideways high yield etf in my opinion.
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You are from Luxembourg, are the dividends tax-free? That is actually the negative aspect of a dividend, the taxation. If the profit remains in the company, as is the case with accumulating ETFs or Google, for example, you have to pay less tax. Or, in the case of the ETF, an optimized tax.

Because in Germany, 25% is currently payable from €801 and then there is also withholding tax on shares from the USA and other countries. All of this is depreciation. How do you see it?

Otherwise, I also like dividends up to my tax-free amount, but after that I tend to like them less and therefore always try to land on my tax-free amount. Fortunately, that will soon be €1001
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@gamlasvensk Yes, that's the tricky part. Especially as I'm also very funny in the USA.

I live in Germany and work in Luxembourg, so I have the same tax hurdles as you. I just have the small advantage of being married. So it will soon be 2002 euros free.
Industrial Logistics have the last 2 div of only € 0.01 and a yield of only 0.87 %.
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@Gecko28 Thank you, I'll take a look at it right away.
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@Gecko28 That's right, I totally lost it. Aktienfinder writes about the safety of the dividend- 0.27 %

That's not great
@Souli1984 will probably change again. There are still many others who pay high monthly or
quarterly div payments
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@Gecko28 yes, i'll definitely change that for now. Raiffeisen is another candidate
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Want to dig this out: it's blatant how simply all dividends were NOT cut but even drastically increased. 😁😁😁
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Top 🔝 🙂👌🏻 @ccf
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Unfortunately, 25 percent tax plus withholding tax on foreign shares must be deducted here. Unfortunately, this makes a big difference.
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