r/dividends

I need human feedback on these calculations and my long-term plan.

​I am 35, so I have a solid 30-year timeline before I hit 65. My primary goal isn't just standard retirement; it's building a generational wealth engine for my family.
​Here is the 2-Phase Roth IRA strategy I'm working with:
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The Core Plan: I’m currently maxing out my Roth IRA ($7,500/yr limit) and focusing 100% on total return and dividend growth for the next couple of decades.
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Phase 1 (Accumulation): I'm splitting my core holdings between VIG, SCHD, DGRO, and NOBL. I like SCHD's cash-flow metrics and VIG's screen that cuts out the highest-yielding traps. No raw high-yield right now because I don't want the capital drag.
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Phase 2 (Retirement Pivot): Once I hit 65, the plan is to flip the equity base tax-free inside the Roth into a 70/30 income blend using JEPI/SPYD for immediate cash flow, while leaving 30% in the growth core as an inflation hedge.
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Phase 3 (Generational Transfer): Long-term, the goal is to pass it to a South Dakota Dynasty Trust to handle the SECURE Act's 10-year inherited Roth liquidation rule for my family. This legally forces the trust to hold qualified dividend payers (like SCHD) to cap the trust tax rate at 23.8% instead of the brutal 40.8% ordinary bracket.

​I've received plenty of feedback from the various LLMs but I'd really appreciate real human feedback before fully dedicating myself to this strategy. Please let me know what you think about delaying the high-yield pivot until retirement, or if you have thoughts on the ETF weights for Phase 1? Any and all feedback is appreciated.

Thanks.

Hello!

I am 32 starting from 0. I wasn't able to start earlier because I was surviving in my 20's trying hard to advance my career and work towards a stable and higher paying job that would finally give me enough money monthly to start investing. Now I am here and overwhelmed by different strategies on this sub and YouTube. Any advice? Thank you all for being an inspiration and one day I will be like you all!

One thing surprised me while building portfolio analysis software.

A lot of investors think they know their portfolio because they know the Canadian ETFs and mutual funds they own.

For example, someone might own XEQT, VDY, Fidelity Canadian Growth Fund, and RBC Canadian Dividend Fund and assume they’re well diversified.
But after looking through the underlying holdings, they may discover they’re much more concentrated in companies like Royal Bank, TD, Enbridge, or Canadian National Railway than they realized because those same holdings appear across multiple funds.

On paper, the portfolio looks diversified.
Under the hood, it can be much more concentrated than expected.

I’m curious:

Has looking through the underlying holdings of your ETFs or mutual funds ever changed your view of your portfolio?

What surprised you the most?

Recently I achieved a really high paying job into six figures. I spent all my life not saving money and having nothing to show for. I want this to be different and invest correctly. I have budget myself to put a big amount of money into my 401k and such but my main question would be for my Roth Ira and my normal brokerage account. I am not looking for individual stocks my objective is to pump money 2-3 times a month and forget about it. Dividends are a plus!

Have a good morning if you are reading this at easter time

I have a growing position with JEPQ. When I first bought it was $0.51/month. Since then, it’s gone up every month. That’s cool, except I’m afraid it will also dip down at some point.

What causes such a dramatic swing up though?

Most individual stocks and ETFs take forever to announce a dividend raise and I wasn’t expecting this from a fund that isn’t a yield max/meme fund.

Inherited a tranche of PTY, a leveraged bond fund trading slightly above par recently. NAV bounces but pays a solid 9%+ for years.

If you were to choose one, either OVL or ADX for the next 15 years, which one would it be?

Dividend stocks are good because they can keep making money for people without having to sell any of the stocks.

If people want to leave a lot of their money to their family does that change the way they invest their money?

For example do people want stocks that will pay money over time or stocks that pay a lot of money now? Do people try to own a lot of stocks to reduce risk? Are people okay, with owning stocks for a long time?

I want to know if people think about leaving money to their family when they are picking dividend stocks to buy and own.

Basically title, you have a million to dump into the market and you want the most bang for your buck. What dividend stocks are you putting this into?

So it sounds amazing to have 11%, or even 7% of dividend yield now, but there is zero dividend growth over time, so realistically how much your dividend will be worth in let's say 20 years adjusted by inflation? If you have to reinvest those dividends then what's the point of such a hight yield then?

I track dividends regularly as this is the main component of my strategy. Giving myself regular goals and targets keeps me interested in watching the snowball accelerate and keeps me on track with savings.

My long term goal is $100k in dividends annually.

Currently am pursuing an end of year goal of $100 of dividends a day on average and am about at $95 now.

What do you do to keep this interesting and keep yourself committed?

Im bit affraid of price levels on GE Vernova inc and General Electric Co and thinking of rebalancing to some stable dividend paying companies like Pepsi or Kraft. Any thoughts or ideas on this?

Hi everyone,
I’m an EU citizen looking to start investing in US ETFs such as JEPI, QQQI, and similar income/growth ETFs.
However, I’ve noticed that many of these ETFs aren’t available through European brokers due to regulations (like PRIIPs). I’m trying to understand the best way to get access.
From what I’ve read so far, possible options seem to be:
Using brokers like Interactive Brokers or Saxo Bank to access US markets directly
Buying UCITS “equivalent” ETFs available in Europe instead of the US-listed ones
Or using alternative products that offer similar exposure (like Nasdaq UCITS ETFs or covered call income ETFs)
I’d really appreciate advice from anyone who has gone through this:
Which broker do you recommend for accessing US ETFs from the EU?
Are UCITS alternatives good enough compared to JEPI/QQQI?
Is there anything important I should be aware of (taxes, risks, restrictions)?
Thanks in advance for any help