Where's my dividend bros at? What's your monthly adjusted income looking like? Favorite stocks...

You could easily get $100 a month with less, like 20-30k. Just need to choose higher yielding stocks carefully. Things like XOM/CVX are paying pretty well.

Ford has a pretty high dividend yield (about 7.8%) right now, and seems pretty safe with room for share price to grow.

how do I into dividends? where the fuck do I even buy these boomer thingies?

Certain stocks give periodic payouts to shareholders. That's all a dividend is. Shares of large, established companies are more likely to pay dividends than smaller companies since there is maybe less room for them to grow (and therefore for investors to profit from increase in share price). If you want to invest in some stock over the long term you should probably do that through an IRA or some other tax advantaged account.

This thread shows the difference in maturity between crypto investors and stock investors. I love crypto and am heavily invested, but god damn this thread is what Jow Forums should be like.

Some of you guys are alright, I’m gonna help you out.
CHR.TO

I put a call on ford to go up to ten dollars yesterday and made 46 dollars this morning. I put in $41 dollars

Do you want a gold star for your lunch money?

Drink a lot of monster, son. After that just buy dips. Sip n dip. Sip n dip. Yup. They don't make em like they used to tho I tells ya *ksschhk*.

Speaking of. If you want to buy divvies you should do it in a tax deferred account. I was reading an econ paper recently about how most companies should not be paying dividends right now because most people prefer capital gains over dividends. Additionally, dividends are taxed as income, which can be higher than the capital gains tax in your bracket and probably is if you have LT cap gains. So buying divvies is tax inefficient compared to a no div, pure cg stock.

Why would you focus on dividends instead of total return?

Do you people not understand how money works?

Wait i can invest money from an ira into an index fund? Am i taxed when i withdraw?

This is objectively false, like usual on biz. Divs are taxed at the long term capital gains rate if you held the security for longer than 60 days.

Stay stupid as fuck biz. Stay pleb. This echo chamber of false information is just as bad as Reddit.

Hey dividend bros, good to see that other Jow Forumsraelis are saving for their future in addition to gambling on crypto.

I'm currently making about $4,500/year in dividends. Here's everything I'm invested in, about 90% of them pay a dividend:
ALC
AMAT
AMD
AMT
APTS
AVB
BABA
BIP
CB
CCI
CHCT
COF
CSCO
CTL
CY
DEA
DTE
DY
EPD
EPR
EQR
FPI
GAMR
GLW
HASI
HON
IBM
INTC
IRET
IRT
KO
LADR
LTC
MAA
MDT
MMM
MMP
MO
MU
NOK
NSRGY
NVS
NXRT
O
OHI
OPI
PEGA
PMULF
QCOM
QTS
ROBO
SBRA
SIMO
STX
SUI
SWKS
SWMAY
TSM
VOD
VTR
WELL
WFSTF
WPC
XLNX
ZAYO

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dividend growth funds outperform the S&P historically. Dividends are tax-free in retirement accounts.

Also, in my opinion dividends have a psychological benefit -- when the market tanks and your stocks drop 20% (like what happened in December), you don't sweat it or panic sell, because cheaper stock prices also means that the dividend yield goes up, and if you've set your dividends to reinvest, then the stock repurchases additional shares of itself at an accelerated pace.

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Why didn’t you get more

actually user, you are wrong.

dividends are taxed as part of your total income when you pay income taxes (state and federal).

if you have set your dividends to reinvest, then the shares you purchased with your dividends will additionally have any gains taxed at the capital gains rate (short or long term), just like any other shares you buy normally.

the user that you were a dick to was making the point that companies can return cash to shareholders in one of two ways: by repurchasing shares of their own company from the market, or by paying dividends to shareholders. If they repurchase shares of their own company and it makes the value of your stock go up by $100, and then you sell for a profit and pay long-term capital gains tax of $15 on that profit, that is more tax-efficient compared to if the company pays you $100 in dividends and you have to pay $30 of income taxes on those dividends.

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I will and do, $2,000 at a time.

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how much $ do you have in?

around $160k

That's correct. Your IRA would presumably allow you to purchase index funds and other investments. For IRAs, you don't pay income tax on the money put in or while it sits in the account. You pay taxes when you withdraw the funds. Or you can set up a Roth IRA, where you do the opposite. You pay income taxes on money you deposit, but withdraw tax free later.

Man that's a gamechanger for me. What is the max usd you can put in an ira yearly?

I believe it's $6,000 starting this year. Also, if you make more than $130,000 per year (or $200,000 if married), you can't deposit into a Roth IRA and you can't deduct taxes from depositing into a regular IRA.

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You really need to do some basic reading on this stuff. Don't just take 4channel's word for it. You can contribute a max of $6,000 for 2019. You might be able to contribute that also for your spouse (not sure off the top of my head). For me personally, I'm contributing just $4,000 to take advantage of the saver's tax credit (which I anticipate to be 10% of the contribution, or $400) and will put the rest of my money in other places.

irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit

>ppcian
based, I watch that boomer

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Fuck man that's barely anything at all. I was thinking 25-50K

Where the fuck am i supposed to put

...the 300K i am getting in a settlement later this year?

at that point you can make a non-deductible contribution to a traditional IRA and convert it to a Roth IRA

Also bear in mind that's just for IRA contributions. If you have other tax-advantaged accounts (like an HSA or 401k), you can also contribute to those accounts up to their respective limits.

who says your money has to go into a retirement account. You might want that money later to buy a house or something. Consider that you have to pay a penalty to take money out of a retirement account before you're retirement aged.

just put the settlement money in a normal brokerage account, where you'll have to pay taxes on the dividends. If you pay 30% income tax you'll still keep 70% of the dividends. Assuming 3% dividends on your $300,000, that's $9,000 a year in income, and you'll pay taxes on that like any other income.

Or put it in a normal brokerage account and buy $SPY if you're not into dividends as much.

nothing to be worried about my man, you're getting $300,000!

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$100,000+

Kek