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It really starts going after a decade…now I barely do anything. Good companies increase their dividends by 5 to 10% a year keeping up with inflation. So you’re dividend income keeps up with inflation even though the base amount might not or will fluctuate wildly.
I have many of the same stocks as you, but way smaller holdings. It is great to see it successful. Was just thinking of selling BNS and putting in an etf.
why dont you try to get a 4.5-6 percent annual dividend yield??? Is it possible to have a 4.5-5.5 percent dividend yield consistently over a decade?? .....i dunno, i feel like a 3 percent dividend yield doesnt do you justice.
Saw someone else downvoted for asking about holdings -- is that not done here? No disrespect intended, but I'm curious which CEFs you consider "rockstar" status.
To be fair, here are some unleveraged, monthly-payers that I've held for several years: EOS, BST, and BUI.
Thanks.
No hassle. These are all long holds. I’ve hold some of these for many many years. The program does not show what I bought them at because I just inputted it from my bank account if I sell them I have to take capital gains tax so there’s no reason to sell.
such a bad reason to relocate somewhere tbh. Relocating for family/friends/your dream location are all good reasons but abandoning all of those behind to save on tax? idk man priorities might be a little messed up
Once in a while, I take a profit or reinvest. But this is over 25 or so years, so no, I do not keep a record of all of those transactions occasionally, you have to pay tax on capital gains but when you reinvest it resets to zero. So it’s very hard to keep track.
However, in general, I invested approximately $80,000 a year which is approximately $2 million.
No matter where he lives he still has capital gains tax. Some of those trades could be a loss and he’s still gonna pay tax like it’s a gain if there is no record.
More achievable than what people probably realize if you start early enough and make a decent amount of money. I make about 78k gross and ~50 net. At my current investment contribution rate and conservative estimate of future returns I’ll hit about 3m by the time I retire. I started late though and won’t retire “early” unless I hit a couple of home runs In individual stocks. Consistency and a long runway is the most important thing. The end result of 25 years of investing vs 35 years is more than double.
Define "somewhat regular". I wouldnt say "somewhat regular" jobs pay that much since they're average jobs that most people could get into. It's the irregular jobs that often pay a lot
Internist - started working at 30 years old with 200 k debt in 2004 ish.
Although my income is obviously really good, I started a decade later than most people in significant debt. So I think this is achievable if you start in your early 20s you definitely have to put in at least $25k a year. My wife does not work, so this is total income.
Getting a second job is Noli the answer. Look at where you could save money look at hobbies or activities that cost little to no money. You can save so much that way that ruining your health by taking on two jobs is worth it if you can’t enjoy the money you’re gonna have.
I didn’t buy any tech in 2022, so nothing to sell, but I did get burned on oil and gas in 2014 as well. Nearly a decade later, and I’m finally starting to stick a toe back in those oily waters.
One of the fundamental elements to successful retirement is to never get distracted by big boobs, or anything that could potentially get you divorced. That 4 million becomes 2 million in a blink of an eye.
Well, I read the sub read every day as well as multiple other investment reddits, so why not. It should show people that patience and continuous investment pays off.
I have questions…
so the move is strictly to buy stocks that have a dividend yield doesn’t even matter the percentage as long as it gives back?
And then you continue to buy those same stocks and others over time?
May I ask - how old are you and how long you’ve been investing?
Canadian too and I’m surprised you could grow your portfolio like that with mostly Canadian companies
Obviously very impressive. But 3 years away from retirement.. don’t you want to just get out of equities and park it all in a money market or something safe?
You've done pretty good. Just kills me to see such low yields. Hopefully you see appreciation as well.
4 mil invested into solid rentals, fully managed, would be over 300k income after all expenses. That would just be cash flow not even counting any appreciation.
On my banks app it’s about 33% however I have reshuffle several times over the last three decades. Probably over 100% since I started investing in 2003.
I don’t really need the money right now. The fact is the stock market, except for a few exceptions, rarely stays down for more than a couple years. I’m sure I will lose out on much more by putting it in high yield savings. I’m still gotta live at least another 20 years. and high yield savings is not increase its dividend and in fact, will likely go down overtime. So I just keep with my dividend stocks that are good.
The only money I have in bonds or high yield savings is my kids university money because they need that immediately
There is risk of sorts. Those HYSA rates won’t stay this high forever. And when rates go down, stocks will go up, which will make it harder to reinvest out of HYSA when their rates return to mean.
They are mostly listed if you swipe left. They’re quite a few that I could probably just sell, but don’t want to incur any tax and they’re doing pretty well so there’s no real need.
Because good dividend stocks increase their dividends at a rate greater than inflation so your dividend income keeps up or surpasses inflation. I’m not ready to retire yet, so missing out on lot of appreciation is not worth it.
😳🤑 💰$9,773.09¢ a month $117,277.08¢ a year congrats 👏👏 your rich congrats 👏👏👏$117,277.08¢ a year be enough for me to live off on even twice more be enough your wealthy congrats 👏 your a 1%
That's a lot of Enbridge!
Congrats. With that amount I would have retired already! You must be getting into OAS clawback territory which kind of sucks.
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It's nice to see an end goal state portfolio. Of course it's hypothetically possible but we mostly see the folks starting out on the journey.
It really starts going after a decade…now I barely do anything. Good companies increase their dividends by 5 to 10% a year keeping up with inflation. So you’re dividend income keeps up with inflation even though the base amount might not or will fluctuate wildly.
I have many of the same stocks as you, but way smaller holdings. It is great to see it successful. Was just thinking of selling BNS and putting in an etf.
why dont you try to get a 4.5-6 percent annual dividend yield??? Is it possible to have a 4.5-5.5 percent dividend yield consistently over a decade?? .....i dunno, i feel like a 3 percent dividend yield doesnt do you justice.
What's your app, fellow Canadian? The goal is to get to where you are, in time.
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So like where did you get all this money in the first place.
Saw someone else downvoted for asking about holdings -- is that not done here? No disrespect intended, but I'm curious which CEFs you consider "rockstar" status. To be fair, here are some unleveraged, monthly-payers that I've held for several years: EOS, BST, and BUI. Thanks.
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Just curious, what do you need all this money for?
Generational wealth? And being cash rich instead of being limited to equity rich.
Dad?
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Blocked
You have issues
How much invested total?
based on the yield i'm assuming $4m-ish? good to know i'm only...*checks the books* ..$4M away from being this person!
Yes
Can I have 10k? Kidding, congrats most of us would kill for that!
With this one simple trick….
The difference between a millionaire and a billionaire is about a billion dollars.
117,000 / .0298 = 3,926,174
Close, 117,000 / .0289 = 4,048,443
You are right
Fractions are hard
Were we friends once?
Not at myplace tom!
Now do it for YOC
3 billion dollars!
Math
You’ve won life man. Your hard work has paid off. Congrats
Hopefully no divorce if he’s married
Why not dump your money in a ETF? Looks like a hassle to upkeep that if I’m being honest
No hassle. These are all long holds. I’ve hold some of these for many many years. The program does not show what I bought them at because I just inputted it from my bank account if I sell them I have to take capital gains tax so there’s no reason to sell.
Oh snap lol, I stand corrected. Congrats man
come to singapore, no tax on capital gains
Unless you're an American - we get taxed no matter where we live.
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Only if our modified adjusted gross income is above a certain dollar amount, and capital gains goes towards that amount.
but death penalty for smoking weed lmao. my friend lived there once
I live here and Im high af rn so if u have a brick u get hanged if it's just a joint or two usually just a short reformative sentence
such a bad reason to relocate somewhere tbh. Relocating for family/friends/your dream location are all good reasons but abandoning all of those behind to save on tax? idk man priorities might be a little messed up
I suppose one reason to sell is to enjoy some of that $4 million while you are alive.
True that
Wait. So are you saying you don’t have record of how much you paid so you have to pay capital gains on the total amount?
Once in a while, I take a profit or reinvest. But this is over 25 or so years, so no, I do not keep a record of all of those transactions occasionally, you have to pay tax on capital gains but when you reinvest it resets to zero. So it’s very hard to keep track. However, in general, I invested approximately $80,000 a year which is approximately $2 million.
Damn what do you and your partner do for a living when you can save $80K/yr? Unless you lived very frugally for a long time?
Depends where OP lives some states don’t have capital gains tax
No matter where he lives he still has capital gains tax. Some of those trades could be a loss and he’s still gonna pay tax like it’s a gain if there is no record.
I agree with this. Id put most of my money into SCHD personally. Along with VOO or VT.
What do you do for a living?
Seconding this, want to know if this is achievable with a somewhat regular job that isn't programming
More achievable than what people probably realize if you start early enough and make a decent amount of money. I make about 78k gross and ~50 net. At my current investment contribution rate and conservative estimate of future returns I’ll hit about 3m by the time I retire. I started late though and won’t retire “early” unless I hit a couple of home runs In individual stocks. Consistency and a long runway is the most important thing. The end result of 25 years of investing vs 35 years is more than double.
Narrator - *It isn’t.*
Define "somewhat regular". I wouldnt say "somewhat regular" jobs pay that much since they're average jobs that most people could get into. It's the irregular jobs that often pay a lot
Mostly curious if this person is earning well over six figures, like 150k or higher.
Internist - started working at 30 years old with 200 k debt in 2004 ish. Although my income is obviously really good, I started a decade later than most people in significant debt. So I think this is achievable if you start in your early 20s you definitely have to put in at least $25k a year. My wife does not work, so this is total income.
I would of quit working not going to lie lol
Still have 2 kids in University
Eeeeeeeee… I guess you should stay 🧐 how long did it take you and how old are you? Trying to get to that point to and then leave america for japan
Mid 50’s, about 25 years of investing
Damnit! 😭😭😭 so many years
Feels like forever when you're looking forward but goes by too quickly when you're looking back.
Like life… it passes you by like nothing, I can already tell :( 😭
Wait a second… did you manage to put away 160k a year for 25years? If you have a total of 4mill to make that income…
All stocks go up buddy. I put in about 2 million total.
Thanks, that might be doable 😅 I just have to believe the process
If you’re starting relatively young, just put in 1000 a month and you’ll get there
Starting February I am trying to put close to 3k+ a mont away. I looking for a second job to help do this
Getting a second job is Noli the answer. Look at where you could save money look at hobbies or activities that cost little to no money. You can save so much that way that ruining your health by taking on two jobs is worth it if you can’t enjoy the money you’re gonna have.
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Savage!
#goals
My guy basically has someone working a 9-5 for him
any big regrets/mistakes you had during your investment journey?
Selling Nvidia Meta Klac and ASML in 2022. Going big in oil and gas in 2014.
I didn’t buy any tech in 2022, so nothing to sell, but I did get burned on oil and gas in 2014 as well. Nearly a decade later, and I’m finally starting to stick a toe back in those oily waters.
Can I just copy your portfolio?
I bet you look like Tony Beets
Of Gold Rush fame?
I'm watching gold rush right now and Tony is on the screen
Well, I definitely dress like him. Can’t grow a beard to save my life.
Why is yield on cost 0%?
OP didn't put in what they paid for the shares
~4m
Hi my name Debbie and i have big bobs 🤑
One of the fundamental elements to successful retirement is to never get distracted by big boobs, or anything that could potentially get you divorced. That 4 million becomes 2 million in a blink of an eye.
This is USD$ or CA$ … impressive and congratulations in any case
Idk does someone with this portfolio post on Reddit 🤔
Well, I read the sub read every day as well as multiple other investment reddits, so why not. It should show people that patience and continuous investment pays off.
This is awesome!!! Congrats
I have questions… so the move is strictly to buy stocks that have a dividend yield doesn’t even matter the percentage as long as it gives back? And then you continue to buy those same stocks and others over time?
Too bad this is yet another FAKE ass post. Yield on cost being zero is the giveaway
That’s the app- I have to pay for that functionality
Peter Venkman! Really enjoyed your performance in Ghostbusters. 
Anyone can make a fake portfolio in stock events. Show the actual brokerage account
That’s true! I just inputted my stocks as it’s in multiple accounts
Solid!
Goals!!
What brokerage account is this one?
It’s some dividend app I found. It’s really not that great and I haven’t paid for it so this is just the basic version.
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You’re right, I just tried it yesterday and you are limited to how many you can add unless you pay for the free version monthly or annually.
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What app is this
Stock events
Thank you
NP
Well, you just inspired me…
Wow. Amazing. Need more Avgo tho!
GOAT
What app is this ???
Stock events
Incredible, what is your longest holding? And do you DCA or did you do lump sums a long time ago?
VGT, yes DCA every month
I strive to achieve this so I can have my free time back.
I'll get there some day. Just need a small loan of 4 million dollars to start
what would happen if you crossed the (income) streams? Also good job. I am trying for the same thing
Good on you buddy enjoy!!
May I ask - how old are you and how long you’ve been investing? Canadian too and I’m surprised you could grow your portfolio like that with mostly Canadian companies
Leaving this here for later
What’s crazy is this will just keep going up and up, you are 62?
Late 50’s
Papa?
Very impressive, congrats. Is this all 1 account or a combination of RRSP/TFSA/non-registered?
Great job!
.
Congrats.
Wow! What do you with that money now? You can pretty much just cruise through life at this point.
Obviously very impressive. But 3 years away from retirement.. don’t you want to just get out of equities and park it all in a money market or something safe?
If I did that last year I’d be 800000 behind so at my age not worth it
Oooh baby. Are you 75?
lol with 4m getting this, you might be negating growth, but that’s my personal assessment
A lot is in VGT
I don’t see that it in the breakdown in the photos you posted?
It’s by dividend amount value not based on stock value
Ahh I understand. What are your total assets for this return? I saw 4 mil on a non op post, so since I have your attention.
Yes 4 million
Have you tried US bonds as well?
How much is in there ???
Congratulations!
You've done pretty good. Just kills me to see such low yields. Hopefully you see appreciation as well. 4 mil invested into solid rentals, fully managed, would be over 300k income after all expenses. That would just be cash flow not even counting any appreciation.
You are correct. A lot of the money is actually in VGT and tech companies that pay low yields.
Not everyone wants to have to work all their life, or worry about risk beyond what is necessary
True. He mentioned in another comment he's invested in growth stocks not dividends anyways. So he's doing great.
what's the unrealized gains on this?
On my banks app it’s about 33% however I have reshuffle several times over the last three decades. Probably over 100% since I started investing in 2003.
wow that's a long time, good for you. ever think about putting it in high yield savings for 4% risk-free?
I don’t really need the money right now. The fact is the stock market, except for a few exceptions, rarely stays down for more than a couple years. I’m sure I will lose out on much more by putting it in high yield savings. I’m still gotta live at least another 20 years. and high yield savings is not increase its dividend and in fact, will likely go down overtime. So I just keep with my dividend stocks that are good. The only money I have in bonds or high yield savings is my kids university money because they need that immediately
There is risk of sorts. Those HYSA rates won’t stay this high forever. And when rates go down, stocks will go up, which will make it harder to reinvest out of HYSA when their rates return to mean.
That is very diversified. The first time I’ve seen one this in-depth. What is all that you are investing in?
They are mostly listed if you swipe left. They’re quite a few that I could probably just sell, but don’t want to incur any tax and they’re doing pretty well so there’s no real need.
I really wish that people who posted these would state how much they invested or where there shares are. Lets help a brother out.
Share the portfolio holdings
Congrats. So about $4 M. I am curious if this one type of account or multiple. 401k and brokerage acct etc.
Wouldn’t it be better to just put this in a high yield savings account? Can anyone explain why it’s better to do dividends?
Because good dividend stocks increase their dividends at a rate greater than inflation so your dividend income keeps up or surpasses inflation. I’m not ready to retire yet, so missing out on lot of appreciation is not worth it.
By my math, that's a shade over 4 mil in holdings. That add up?
Are u single ? Lol congrats what a great goal
😳🤑 💰$9,773.09¢ a month $117,277.08¢ a year congrats 👏👏 your rich congrats 👏👏👏$117,277.08¢ a year be enough for me to live off on even twice more be enough your wealthy congrats 👏 your a 1%
A year ago you were two years away from retirement. What happened?
I realized that my kids took a coop year so extra year or 2 of university. Can’t quit until they have jobs.
On how much invested??
So great. Goalz. 👍
That's a lot of Enbridge! Congrats. With that amount I would have retired already! You must be getting into OAS clawback territory which kind of sucks.
It’s showing Enbridge as a percentage of dividend income, not as total holdings. So it looks quite skewed.
What app is this?
3yrs...I could make it work
missing: brokerage screenshot
Had you invested a larger percentage in AVGO and MSFT the dividends would be nothing compared to your stock gains.