Dividends or Growth

DividendenDulli · 2026-09-23T12:21:42.427194Z

What do you decide to do? I always see a lot of investors here—especially young ones—who start buying dividend stocks early on. In my opinion, though, that makes no sense at all, because you first need to build up a fortune for the dividends to be worthwhile in the first place. And you can’t build up a fortune quickly through dividends. $IWDA $CSPX $VWRL

Poor Dad@PoorDad

19H

But McDonald's tastes better when you have McDonald's in your portfolio…

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DividendenDulli@DividendenDulli

19H

@PoorDad The name says it all, right? Just kidding 😜

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Poor Dad@PoorDad

19H

@DividendenDulli No, I'm not a dad yet 🤷🏽‍♂️

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Dylan V.@Legend14

19H

@PoorDad 😂😁😏

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ToxicInvestCom@ToxicInvestCom

18H

@PoorDad But with your portfolio, you're well on your way to becoming a Poor Dad🤭

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Poor Dad@PoorDad

18H

@ToxicInvestCom You might be right... Explain it to me.

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ToxicInvestCom@ToxicInvestCom

18H

@PoorDad From what I've seen so far: Your experience in the stock market and your portfolio speak for themselves 🤭

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Poor Dad@PoorDad

18H

@ToxicInvestCom 🤷🏽‍♂️ na gut

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Fredi K.@equity_expert_1695

16H

@ToxicInvestCom he said, even though his portfolio isn't public 😭

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ToxicInvestCom@ToxicInvestCom

16H

@equity_expert_1695 Yeah, there's a reason for that ;) Otherwise, anyone could just copy it—you can't possibly be that naive🤭

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ToxicInvestCom@ToxicInvestCom

16H

@equity_expert_1695 But I'd be happy to send you some screenshots showing how my portfolio is performing :)

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Voir toutes les 29 autres réponses

Fl_ow@Fl_ow

19H

I see it differently.

If I only have 100€ a month to work with, I’d want to put that 100€ into something safe, right?

Do you have the same table for the underperformers as well, instead of just the top performers?

I, for example, am still relatively young, and to be honest, I’d rather build a foundation of somewhat boring stocks than speculate right from the start—> I might as well just go to the casino; I could even make 100% in a single day, tax-free. 😜

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DividendenDulli@DividendenDulli

18H

But you could, for example, invest €100 in the NASDAQ ETF, precisely because you're young and have plenty of time ahead of you. You can easily ride out any market crash and come out ahead.

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ToxicInvestCom@ToxicInvestCom

18H

@Fl_ow If you don’t know the first thing about analyzing stocks, then yeah… ;)
So do you want to miss out on high returns—and therefore money? Especially when you’re young, it makes sense to take on more risk so you can benefit more from compound interest later on, doesn’t it? With small amounts, it’s no big deal to make a mistake once in a while—and you can learn from it. Why do you want to diversify so much and focus on dividends? 🤭 The fact is, you can achieve much more with growth, and diversification—even Warren Buffett has mentioned this—is for people who don’t know what they’re doing. ;)
Personally, I think an average 7% return isn’t enough, especially with average inflation at about 3%…
You pay taxes on your low dividends every time and end up leaving a lot of returns on the table… :( That’s something you do if you can maintain your standard of living through dividends… ideally when you’re older… can you do that right now? I’m guessing not. ;) So what’s his return like? I’d say it’s probably below average at best 🤭

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Fl_ow@Fl_ow

18H

@ToxicInvestCom Is it just me, or did I really step on your toes? 🤣😜

I’ve only been investing for almost 2 years—my returns are about 10% per year, and that’s great for me ^^.

Sure, you can achieve more with growth—you’re right about that—but there are also plenty of dividend stocks that offer growth as well.
In my opinion, it always depends on what you consider a dividend stock.

In any case, my dividends are already enough to cover a few small monthly expenses. 👍

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DividendenDulli@DividendenDulli

18H

@Fl_ow @ToxicInvestCom, as Trump once mentioned, is "tired of winning" and is letting his frustration show.

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Fl_ow@Fl_ow

18H

@DividendenDulli Ahh, I see. Maybe he should do it somewhere else. 👀😜

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SpongeBob@SquarePants

11H

@Fl_ow I totally agree with this. Rather a good base portfolio with which you get more dividends than a portfolio that you gamble with.

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Poor Dad@PoorDad

4H

@DividendenDulli Delusions of grandeur after just 2 years of stock market experience... a rabid Warren Buffett... there’s a lot to learn from that...
Anyway, Microsoft, Visa, Walmart, Apple, Mastercard, JPMorgan, Broadcom, and 1,000 others are dividend stocks too. Above all, 10 years might be too short a period to make such a comparison. A growth company is one that can increase its revenue and profits year after year. A good dividend payer must meet the same standard so it can continue to increase its dividends; otherwise, dividends will end up exceeding earnings.

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Solitair@Solitair

18H

The problem is, you never know what the next Nvidia will be. So if I were young, I’d just invest in the Nasdaq 100. It’s fine if it crashes a few times on the way to retirement. But I certainly wouldn’t waste what’s likely to be my modest savings on companies like Procter & Gamble, Pepsi, or McDonald’s.

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SpongeBob@SquarePants

11H

@Solitair LOL These companies have always performed well in the past, so they are certainly worth investing in.

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KevinE@KevinE

18H

I don't necessarily think this breakdown is appropriate. Personally, I invest in dividend stocks—and for me, that also includes Microsoft, Mastercard, Broadcom, Caterpillar, etc., as well as BAT, which I was able to acquire with a dividend yield of just under 10.5%, or Hercules (just under 17% YoC).

I buy companies that pay out dividends because I really enjoy watching them grow in my portfolio. But so that I can eventually benefit from them, they should (as a rule) also pay dividends. I only sell if the business model eventually stops working.

My Allianz shares were credited to my account in 2001—my parents had bought me Dresdner Bank shares in 1991, which were converted 10 years later into Allianz and Commerzbank shares. It didn’t turn out that badly—especially when you factor in the dividends.

Sure, Nvidia would have been the better choice. But no one knows in advance which company will become a 100-bagger and which will fade into obscurity.

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SpongeBob@SquarePants

10H

@KevinE I’m currently looking at it too, because you don’t know what the future looks like either and with these times I prefer to have a portfolio that is safe.

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AI sagt@GoDividend

19H

Hindsight is always 20/20. The chances of finding a needle in a haystack are pretty slim.

So, as an alternative, just buy the haystack.

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ToxicInvestCom@ToxicInvestCom

18H

@GoDividend AI says, "Buy all the ETFs that aren't up in a tree" 🤭

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Chris@Multibagger

19H

I'm over 60 and totally into growth—so what now?

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DividendenDulli@DividendenDulli

19H

@Multibagger That's even more elegant

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ToxicInvestCom@ToxicInvestCom

18H

@Multibagger Do you actually still think that $IREN is a better investment than $NBIS? That theory doesn't really hold up right now…

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Chris@Multibagger

18H

@ToxicInvestCom You're right about that. I'm invested in both as well. However, $IREN is twice as high as $NBIS. I see even bigger dilution and financing problems ahead for $NBIS, since they've only secured 20% of the capital needed for expansion and contract fulfillment so far.

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DividendenDulli@DividendenDulli

17H

@Multibagger I'm Team $NBIS 👍

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ToxicInvestCom@ToxicInvestCom

17H

@Multibagger And doesn't $IREN have that?

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Chris@Multibagger

17H

@ToxicInvestCom not to the same extent as before. I also think that $IREN might not be as adversely affected by regulatory interventions regarding the approval of new data centers.

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Chris@Multibagger

17H

@DividendenDulli As I said, I'm in both.

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ToxicInvestCom@ToxicInvestCom

17H

@Multibagger Should people really suffer because of that? I recently listened to a podcast with Jensen Huang on this topic; there are a lot of misconceptions about the issue of new data centers. We’re going to need more of them, and that will benefit the general public as well.

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Chris@Multibagger

17H

@ToxicInvestCom Tell that to the citizens who are worried about their water and energy supplies. These are resources that are not available in unlimited quantities. And when in doubt, politicians will side with the voters rather than with Jensen Huang.

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ToxicInvestCom@ToxicInvestCom

16H

@Multibagger In many discussions, it is claimed that AI data centers are using up the population’s drinking water; however, Jensen Huang has explained why this is not true for modern facilities.
The most important points, in a nutshell
The old open-loop method
Older data centers often used air cooling and evaporative coolers. In this process, water is sprayed onto the chips, where it evaporates to dissipate heat. This actually consumes vast amounts of fresh water continuously, which is drawn from the environment.
Nvidia’s solution: closed-loop cooling
Modern AI servers use direct-to-chip liquid cooling. The coolant flows through pipes directly over the chips and transfers the heat to the outside air via radiators—exactly like the cooling system in a car.
No water consumption during operation
The water is filled once and circulates indefinitely. It does not evaporate, does not escape, and does not need to be constantly refilled.
Hot-water cooling at 45 °C
Since newer chips—such as those in NVIDIA’s latest architectures—can still be cooled without issue using water as warm as 45 °C, normal ambient air is entirely sufficient to cool the water in the closed-loop system. Evaporative cooling towers are no longer needed
Counterargument to the Criticism
Although data centers do require water in their systems, they do not consume it as long as they rely on closed-loop liquid cooling. The claim that AI is depriving the population of water does not apply to modern facilities with closed-loop systems

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🏊🏻‍♂️ • 🚴• 🏃‍♂️ Endurance Life@MozartsGeist

19H

👆This is what mama always told you !!

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DividendenDulli@DividendenDulli

19H

@MozartsGeist Yes sir

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Ruben Schoff@Sand

18H

Both—and focusing more on stocks that will deliver both in the future. Just take Apple’s dividend yield as an example if you’ve held the stock for 10+ years.

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dividend_dynamo_wtbrk@dividend_dynamo_wtbrk

11H

@Sand Unfortunately, he won't understand that—his opinion is so set in stone 😂 And in the end, he'll just delete a bunch of comments again 😂

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Melchior@ColdzeroNL

18H

I have dividends because I want to retire (partially) in 10 years and my portfolio keeps up with the Nasdaq100 (or close to it). So saying that dividends are not a good option depends on where you are on a timescale, what you want and how you want to do it.

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dividend_dynamo_wtbrk@dividend_dynamo_wtbrk

11H

🍿

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Metis@Metis

3H

I'd love to have your crystal ball.
It's always easier to be wise in hindsight, but finding the right pick right now—one that'll take off like Nvidia in 10 years—is something you just can't predict, no matter how much you want to.

And besides, people have different risk tolerances, and not everyone can handle major fluctuations well.

Do us all a favor and don’t go bashing everyone here just because you don’t understand their motivations and approaches.

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DividendenDulli@DividendenDulli

2H

@Metis Who did I piss off? I just shared my opinion in the post. 😅

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Metis@Metis

2H

@DividendenDulli Yeah, sure, that's a perfectly valid opinion—telling others to keep buying their dividend stocks and leave the "big boys" alone...

Are you so convinced of yourself and your opinion that you feel the need to take such low blows at others?

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DividendenDulli@DividendenDulli

2H

@Metis This guy is constantly commenting on my posts with laughing emojis using two different accounts, and it's getting on my nerves.

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Metis@Metis

2H

@DividendenDulli That's exactly the kind of comment I'm talking about. You don't even realize that it's not the same person—it's just that several people are telling you the same thing.

And if comments annoy you, maybe you should just ignore those posts and comments?

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DividendenDulli@DividendenDulli

2H

@Metis Oh, come on, let's just drop it now;)

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Metis@Metis

2H

@DividendenDulli You should listen to people with decades of stock market experience rather than making fun of them... They're way ahead of you when it comes to learning.

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burnheart@burnheart

17H

I get the point, but it doesn’t always have to be a contradiction. Just take a look at the Austrian benchmark index, the ATX. All of these are excellent dividend payers with a one-year return of +50%. Banks and insurance companies, in particular, are performing very strongly in the EU. $RBI $UCG $UQA $EBS, etc., are generating higher returns for me than many tech stocks, while also offering lower volatility. And dividends are a bonus on top of that.

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Ruben Schoff@Sand

15H

@burnheart Wienerberger is still lagging a bit—down about 50 percent 😁 YTD

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burnheart@burnheart

15H

@Sand Yeah, that's true—they've taken a huge hit. But they'll bounce back once the war in Russia is over and will benefit from the reconstruction.

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opportunity_seeker_742@opportunity_seeker_742

14H

Another pointless post 😪

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Dividends or Growth?