Imagine living off your investments —no 9-to-5, just financial freedom! In this video, I break down how dividend investing funds my …
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Imagine living off your investments —no 9-to-5, just financial freedom! In this video, I break down how dividend investing funds my …
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49 comments
Thank you for sharing and clearing certain aspects about dividends. I would like your thoughts or a video about using insurance as a financial instrument for income generation, growth and capital reservation. Any use base cases for it or based on your experience as a investment advisor/Analyst.
I don't have enough time left for this.
Thank you 🎉 thought I knew what I was doing, I'm 43 from south africa
I am not allowed to do this on disability 🙁
i am keep dreaming of retirement 🧐 lucky people they are..!!
Thanks for the information!! That was an amazing content 🤩🤩
Girllllll you lost me when you were explaining the math
So… using the 4% dividend payments, in order for me to get a payment of $60k a year, I would need to have $1.5 million invested?
From the uk what charges do you get for buying say JNJ stocks because it says you have to fill out a w-8ben form
Also can you really trust trump won’t throw those charges up at any random moment
Very informative
Love to see financial advice from a strong, intelligent woman. Thank you so much – you are brilliant!
Very good content.
Respect to the hustle behind this success
This video was amazing, learned a lot.
ok so I am confused how dividend stocks work at all. how does putting like, $100 in a stock give you $4 a year and that somehow gives you more money? isn't it better just to save the $100? is it a snowball effect? if you put $100 a month into a dividend stock of 4%, you get like, $40 or something? do you eventually stop? does the $1200 you put in actually double over at some point without actually doing anything?
I just got started at 37. And I’m adding in money slowly and not very much but I will stick with it . I know overtime I’ll be able to add more . I just wish I knew about this in my early 20’s wasted so much time and money
Just $300k as capital? No wahala
I have a long way to get up to $1,000 monthly off of dividends but I'm starting small and hopefully I'll get to the point where I live off of my dividends. I found this video at the perfect time to clear up a lot of things I didn't understand
I started at 19, I'm a software engineer in ukraine, now i'm 21 and I have 70k, but I invest in crypto and stocks
Hey ! That was a nice video ! I invest in 7 dividend stock but i’ll look into etf dividend maybe
To help any math strugglers, however much you want to live off per year, multiply by 25 and thats how much you need invested for a 4% yield. If you can live off £12k a year (minus tax of course), 12,000×25=300,000, so you need £300k invested.
The only thing I'd say is to be very careful about tax if we are talking about higher numbers than this video, or if you are already in a higher tax rate band because of other income. When you start withdrawing over £50k a year from your investments, or if you already earn this much elsewhere, dividend tax in UK is a whopping 33.75% on anything above that. It gets to a point where it makes much more sense to just choose a growth fund and sell units when you want to withdraw instead of relying on dividends. That way you pay 24% capital gains tax on just the GAIN, rather than up to 33.75% on the whole amount. A lot of people runaway from dividend stocks for this reason, its just not tax efficient at all as a higher earner. As someone with a 7-figure stock portfolio, I wouldn't touch any dividend stock with a barge pole.
Even at lower amounts or in the lower tax band, you still need to compare whether its better to pay dividend tax on the majority of your withdrawal or capital gains tax on the gain only, which may only be a small percentage if you haven't had your investments for too long and they havent grown too much yet. For example, if you're investments have only grown by 10% so far, you only pay capital gains tax on 10% of your withdrawal – only the gain. You can't choose any stock or fund before you decide this, as they all have different dividend yields! People should really speak to a tax advisor no matter what before doing any of this so you don't throw unnecessary money into the bin of HMRC.
I estimated that i need atleast 10 years to retired comfortably. long journey
I’m 25 and a veteran. I have an upper hand right now because I am getting disability from the VA and it pays all of my necessary bills. I can still work and that allows me to put my entire check to the side. I have a son and I really want him to succeed in life. I want to own multiple properties and create generational wealth. Do you think that I can do it and still retire?
You are the financial guru im looking for. A gentle female voice, slow -paced video saying words that I can actually understand! I was ready to give up on investing until I saw your videos, so thank you!
Thank you sista. I google this came up with stupid numbers. God bless you .
Thx for the knowledge.. I am starting at age 42 and look forward to the journey .. do you offer classes how would I reach you ?
the problem with common stocks is its not ethical. because you're paying billionaires to profit further when they shouldn't have that much money. it fuels the system
😎😎😎😎😎😎
All growth and dividends are tax free when in a stocks and shares isa.
i calll this Video Clickb8t.
No real ACC / No Numbers no own portfolio
how can u live with just 1000$ a month ?
Retire in your 30s….. yeah sure
Do you recommend a course or any certifications for me? That’ll help me understand this better. I’m a software engineer looking to get into finance so I can join the fintech world and also generate passive income from stocks and dividends, but I have no knowledge of any of this.
I also love dividends. Happy to find more people 😃
what role does capital appreciation play in your dividend calculation?
Loved this video, keep up the great work!
Very insightful
Thanks Jumoke! Where did you see the percentage dividend yields for the mentioned companies?
Good to see you're investing your onlyfans money 😂
I’m just getting started doing research on investing. Great video
I’m so glad I found this video. My strategy is paying debt, claiming tax credit, investing, and saving. Chaoter29 🎉
Im so sad i started later in life because i am so over being run by a 9-5 schedule
Wish I had the $300k…
I retired at 33 in 2020. So blessed to be able to be at home. I was injured in combat. Its permanent, and thats a rare thing. No taxes, including property taxes is truly the best benefit ❤
I really appreciate your transparency about dividend investing and retiring early. I have a serious question because I think it would help a lot of viewers understand the full picture:
What was your typical annual income during your accumulation years?
I ask because retiring off dividends before 40 likely required significant capital, and income plays a major role in how realistic that path is for the average person.
I’d love your thoughts on how income level factors into early retirement via dividends.
This was a great video! Subscribed.
I have a question–would you recommend FXAIX for retirement? Because it is a mutual fund and not an etf, I have heard people express doubts about it. Not sure how tax-efficient it is.
WHAT IS THIS THING ABOUT RETIRING AND AT 30?! JESUS WAS WORKING ALL DAY LONG AT 33 AND WITHOUT ENVY OF RELIGION AND EVILNESS OF GOVERNMENT PERHAPS HE WAS GOING TO DO MORE 50 YEARS BECAUSE THERE WAS PLENTY OF WORK FOR HIM ON A DAILY.
Dont even need to watch. Let me tell everyone how you did it.
Step 1. Be rich or have a stupidly high paying job or be one of the .0001% who build a successful business they sell or if a woman marry someone with money and investment savvy.
No one is going to retire in their 30s off of dividends without one of these
What if I live in Jamaica?