r/dividendinvesting

My spouse and I moving in together coincided w/ my income substantially increasing. So I began thinking abt investing more seriously. And I started, bit-by-bit, investing a small but consistent amount every month.

Now, my spouse and I manage our finances together, and she was a bit skeptical w/ regards to investing and deemed it risky. Which meant I couldn't invest as much as I would have if I were single. (Example: She wants us to buy a car, whereas I don't care much for a car, so now I'm prioritizing saving up for a car more.)

I didn't push back as hard, as I knew she would be more open to it after she sees the dividends coming in.

Then the semiannual payment date came. For context, I have a mixture of stocks w/ monthly, quarterly, and semiannually dividends. So end of the half-year is the biggest dividend month for me.

I showed her the dividends. And boy boy, who would've thunk.

She's still not as enthusiastic abt investing as I am, but now I can actually invest amounts that I feel actually lead me closer to FIRE.

And every quarter, I'll just show her my dividend payouts. Just to keep the fire going.

Dividends are the way 🤞

i have roughly 30 stock at average cost of 23.50 per stock rn i have seen the dip with them with other cell phone companies. would you invest more now or wait till it goes down more?

The dividend has grown roughly 20% per year on average over the past four years.

Low payout ratio, leaving ample room to keep raising it

It has a stable backlog business

Currently sitting at 52 week lows.

Thoughts?

Cal-Maine is the largest egg producer in the US. They sell the white and brown cartons you see everywhere, plus the higher-margin specialty stuff like cage-free and organic. No debt on the sheet, return on invested capital around 50%, and a dividend policy that pays out a third of net income every quarter. On the surface it looks like a deep value dream at a P/E around 5.

Here's the trap, and it's the whole point of this post.

That 5x earnings number is a cyclical illusion. Cal-Maine's profits are driven almost entirely by the wholesale price of eggs, and egg prices have been on a historic run because avian flu wiped out a huge chunk of the national flock and constrained supply. EPS went from 4 cents five years ago to nearly $25 at the peak. When you put a low multiple on peak-cycle earnings, the stock looks cheap right up until earnings normalize.

And they're normalizing now. Last quarter net sales fell 19% and EPS dropped 52% as egg prices came down from the highs. If you assume mid-cycle earnings are somewhere around $3 to $4 per share rather than $25, the valuation suddenly doesn't look cheap at all. This is the classic commodity stock mistake: cheapest on a P/E basis exactly when you should be most cautious.

What I find genuinely interesting about Cal-Maine is the diversification effort. They're pushing into prepared foods and specialty eggs to smooth out the cyclicality, targeting over 50% specialty mix over time. If that works, the earnings get less violent and the business deserves a higher multiple. If it doesn't, this stays a bet on the next bird flu outbreak driving egg prices back up.

So it's a value trap and a real business at the same time. The question is whether you're buying normalized earnings power or just peak-cycle profits dressed up as a bargain. How do people here handle commodity cyclicals where the P/E lies to you?

After a long time, it's actually above 10%. My living costs were 2758 EUR for June 2026, and I think I can go even lower. I'm planning some investments around the house, but probably not in the following few months. So it's a good time to build reserves before that.

My dividends were 395 EUR, but mostly from the annual payer XTB.WA. I'm 36 years old, my market loss in June was -6.28% (it's fine, it was +12% in May).

To disclose my portfolios, here are my positions:

Growth: (9868.HK,ADBE,ADYEN.AS,ALGN,ALSTI.PA,AMZN,BABA,BIDU,BYDDY,BYND,CDR.WA,CELH,CROX,CRSP,CRSR,CRWD,DDOG,DUOL,ENPH,FB,FSLY,FTCV,GOOG,GOOGL,GRE.MC,HIMS,HUYA,IBKR,ILMN,INPST.AS,INT.ST,KER.WA,LMND,META,MQ,NET,NFLX,NIO,NOW,OKTA,ONDO.L,OTGLY,PLTR,PLUG,PYPL,QLYS,SEDG,SMR,SPIR,SPOT,TDOC,TSLA,TTCF,TTD,U,UBER,UPST,VFF,VYGVF,WISE.L,XPEV,ZNGA)

Dividend portfolio: (AAPL,ABBV,ADM,AFSI,ALLY,ASML.AS,B4B.DE,BA,BAC,BBWI,BKNG,BMY,BNS,BNS.TO,BTI,CAH,CL,CMI,COST,CP.TO,CRM,CTL,CVS,D,DAL,DG,DIN,DIS,EIX,EOAN.DE,EV,EVO.ST,F,FDS,FF,FL,FLO,GEO,GILD,GIS,GPC,HBH.DE,HRL,IBM,IIPR,INTC,ITW,JNJ,JPM,KHC,KMB,KMI,KO,KR,LB,LUMN,M,MA,MMM,MO,MPW,MS,MSFT,NEE,NHI,NKE,NOW,O,OHI,ONL,PEP,PG,PM,POOL,QCOM,SBUX,SKT,SO,SPG,STOR,STX,T,TGT,TSM,UNP,UPS,V,VER.VI,VFC,VZ,WBA,WBD,WEC,XEL,XTB.WA)

What portion of your expenses would be covered by dividends? Include Age pls :)

With Google joining the Dow, I am looking to add a small position in a Dow Jones, dividend fund.

Only name I know is DJIA

Any Others ??

(Total beginner) I am non-US resident. I do have a USD account and USD salary. I am aware of the 30% US withholding tax and 15% EU withholding tax on my country. I wanna add in like 500$ monthly into investment such that dividends alone can make up around 2000$ of monthly income eventually. Generally prefer to do it with less oversight or monitoring.

How do I set this up ? which are the best dividends to look into ? Is there some terrible mistake in the logic I'm not seeing ? what realistic timeline should I expect to achieve a monthly 1000-2000$ dividend payout ?

Growth stocks are fun for the daily action, but consistent cash flow is what builds true financial freedom. I’m looking to add some rock-solid, set-and-forget dividend payers to the portfolio.

​When you look past the hype, the best dividend plays usually have massive moats—think banking giants, energy infrastructure, or essential utilities that just print cash regardless of market volatility.

​If you had to pick just 3 dividend compounders to hold for the next decade and never look at the charts, what are they and what is your #1 reason for holding them?

Looking for a list of Covered Call ETFs based on Chip Companies.

I think there was one that started with an "e" ?

If so can't seem to find it.

I have SOXY, CHPY,

What am I missing from the list ??

I'm finally starting to take investing more seriously instead of letting most of my money sit in a savings account.

The problem is that every YouTube channel, newsletter, and investing podcast seems to recommend completely different stocks, and honestly it's left me more confused than when I started.

If you were starting from scratch today and wanted to build a long-term portfolio, what stocks would you actually consider?

I'm not looking for the next 100x opportunity or anything overly speculative. I'd rather focus on understandable businesses with strong fundamentals and a track record of creating value over time.

For experienced investors, what companies do you think are good starting points for someone trying to learn while building wealth for the long run?

Hey all

I'm european

After investing on several US stocks and having a constant headache converting the dividend rate in $ to € fluctuate so much due to currency conversion I've added JEPT (€) to my portfolio for some ease of mind/less headache

I have selected jepq € in snowball, portfolio is in €... dividends are still being listed as $ in history because fuck whatever JEPQ € is paying right?