Von Dividenden leben: So viel Geld und DIESE Aktien brauchst Du dafür! // 100k Dividende pro Jahr!

Mario Lochner
6 Mar 202414:34

TLDRIn this informative video, Mario Lochner explores the financial strategy of living off dividends, aiming to achieve a 100,000 € annual dividend income. He discusses the importance of high dividend yields and growth, analyzing different ETFs and individual stocks known for their strong dividend performance. Mario provides a detailed calculation to illustrate how much capital is needed to reach the desired dividend income, emphasizing the risks associated with high-yield ETFs and the benefits of stable, growing dividends from solid companies. He also offers a free resource for viewers to download, featuring stocks that have shown significant dividend growth over the past decade.

Takeaways

  • 💰 To live off dividends, one must consider the amount of money needed and the strategy to achieve a specific dividend income, such as 100,000 € per year.
  • 📈 The video discusses various ETFs (Exchange-Traded Funds) and individual stocks that have performed well in terms of dividend yields.
  • 🔢 A practical example is given to calculate how much one would need to invest in a specific ETF to achieve a monthly dividend of 5,000 €, leading to a total of 60,000 € per year.
  • 📊 The script highlights the importance of dividend yield and growth, explaining that a high dividend yield is not always the best strategy due to potential risks.
  • 🌐 The video compares two ETFs, one with a high dividend yield and another with a more moderate yield but better growth prospects, showing that the latter might be a safer long-term investment.
  • 📉 The script warns about the risks associated with high dividend yields, such as the possibility of the ETF being small in volume and having a poor recent price performance.
  • 📚 A statistic is presented to show that during recessions, dividend-focused investments can be more stable compared to the overall market, with the S&P 500 showing an average drop of 34%, while dividends dropped by only 0.5%.
  • 🔍 The video encourages viewers to consider dividend growth and the stability of dividend payments when choosing investments, rather than just focusing on high dividend yields.
  • 💹 The script provides a tool for calculating how dividend growth can impact the goal of achieving a specific dividend income over time.
  • 📝 The video offers a list of exclusive stocks that have shown double-digit dividend growth over the past 10 years and are expected to continue this trend in the next 5 years.
  • 📌 The video concludes by emphasizing the importance of feedback from viewers and encourages them to subscribe to the channel for more dividend-focused content.

Q & A

  • What is the goal of the video mentioned in the transcript?

    -The goal of the video is to explain how much money is needed to live off dividends and how to achieve receiving 100,000 euros in dividends per year.

  • What are some of the types of investments discussed in the video for generating dividends?

    -The video discusses ETFs and specific stocks that have performed well in terms of dividends.

  • What is the monthly dividend income mentioned as a target to live off dividends?

    -A target monthly dividend income mentioned is 8,333 euros to live off dividends.

  • How does the video suggest one can achieve a high dividend income, such as 100,000 euros per year?

    -The video suggests achieving high dividend income through investments in ETFs with high dividend yields or dividend growth, and specific stocks that have consistently increased their dividends.

  • What does the video say about the stability and risk of high-dividend-yield ETFs?

    -The video cautions that while high-dividend-yield ETFs are attractive for their potential returns, they often come with higher risks and reasons behind their high yields, which could involve more volatile or less stable investments.

  • According to the video, how does dividend growth compare to high dividend yields in terms of investment strategy?

    -The video suggests that focusing on dividend growth may be a better strategy than chasing high dividend yields, as companies that consistently increase their dividends are likely to be more stable and have better long-term performance.

  • What example ETFs are mentioned in the video, and what are their characteristics?

    -The video mentions the Vanguard FTSE All-World High Dividend Yield ETF with a yield of about 3.3%, and a Global Super Dividend ETF with a yield of almost 11% in 2023, highlighting the differences in yield and potential risks.

  • What is the significance of dividend stability and increase mentioned in the video?

    -Dividend stability and consistent increases are highlighted as indicators of a company's financial health and the ability to provide reliable income to investors over time, making them preferable for long-term investment.

  • How does the video address the impact of recessions or market downturns on dividend investments?

    -The video presents statistics showing that during recessions or bear markets, dividend payments tend to be more stable compared to the overall stock market performance, suggesting dividends can offer some security in volatile times.

  • What are the key takeaways regarding investment strategies for living off dividends, as per the video?

    -Key takeaways include the importance of focusing on dividend growth over high yield for long-term stability, the risks associated with high-yield investments, and the need for a substantial initial investment to achieve significant annual dividend income.

Outlines

00:00

💰 Understanding Dividend Living

This paragraph introduces the concept of living off dividends and aims to answer how much money is needed to achieve a yearly dividend income of 100,000 €. It welcomes viewers to a new video series by Mario Lochner, focusing on the 'Dividends without End' theme. The video will provide a detailed calculation to understand the amount of capital required and will explore various ETFs and stocks that have performed well in terms of dividends. The speaker emphasizes the importance of becoming a 'rich freeloader' and encourages viewers to like and comment for more dividend-related content.

05:01

📈 Calculating Dividend Income

The speaker delves into the specifics of calculating the amount needed to generate a monthly dividend of 8,333 €, which translates to 60,000 € annually. The paragraph discusses different approaches, such as focusing on high dividend yields and dividend growth. It provides an example using the Vanguard Fuzzi All World High Dividend ETF, explaining the current dividend yield, fund volume, and costs. The speaker then performs a calculation to determine the number of ETF shares needed to achieve the target dividend income, considering tax implications and other costs.

10:03

📊 Comparing ETFs and Dividend Growth

This paragraph compares two ETFs: the Vanguard Fuzzi All World High Dividend and the Global X Super Dividend ETF. It highlights the differences in their dividend yields and the amount of investment required to achieve a net dividend of 60,000 € per year. The speaker also discusses the importance of dividend growth over high dividend yields, emphasizing the stability and reliability of dividend payments. The paragraph includes a detailed analysis of the Global X Super Dividend ETF, pointing out its high yield but also its risks due to a smaller fund volume and recent poor performance. The speaker advises viewers to consider solid companies with a history of stable and growing dividends for long-term success.

🚀 Achieving Dividend Goals

The speaker discusses the impact of dividend growth and dividend yield on achieving the goal of 100,000 € in annual dividend income. Using the Marketbeat dividend calculator, the paragraph demonstrates how different scenarios, such as initial dividend yield, dividend growth, and share price appreciation, can affect the final dividend income. The speaker emphasizes the importance of dividend growth over a high initial yield and provides a list of exclusive stocks that have shown double-digit dividend growth over the past 10 years, suggesting these could be potential investments for the future.

Mindmap

Keywords

💡Dividends

Dividends are a portion of a company's earnings paid out to shareholders, usually as a cash distribution or additional shares. In the video, the focus is on living off dividend income, specifically aiming for a €100,000 annual dividend. Dividends are a key component of the investment strategy discussed, as they provide a steady income stream for investors.

💡ETFs (Exchange-Traded Funds)

ETFs are investment funds and exchange-traded products that hold a collection of assets, such as stocks, bonds, or commodities. They are traded on stock exchanges, similar to individual stocks. The video mentions different ETFs with varying dividend yields, using them as examples to illustrate how one might achieve a high dividend income. ETFs are chosen for their performance, dividend yield, and growth potential.

💡Dividend Yield

Dividend yield is a financial ratio that shows how much a company pays out in dividends each year relative to its stock price. It's calculated by dividing the annual dividend per share by the price of the stock. In the video, the speaker discusses ETFs with high dividend yields as a strategy for achieving the desired annual dividend income. A high dividend yield can be attractive, but it's important to consider the stability and growth of the dividend over time.

💡Dividend Growth

Dividend growth refers to the increase in the amount of dividends a company pays to its shareholders over time. It's a key factor for long-term investors looking for sustainable income growth. The video emphasizes the importance of investing in companies with a history of consistent dividend growth, as it can lead to a higher overall return on investment, even if the initial dividend yield is lower.

💡Investment Strategy

An investment strategy is a plan or approach to investing that aims to achieve specific financial goals. In the context of the video, the strategy involves selecting ETFs and individual stocks that offer high dividend yields and growth potential. The speaker provides calculations and examples to demonstrate how one might structure their portfolio to achieve a €100,000 annual dividend income.

💡Asset Allocation

Asset allocation is the process of dividing an investment portfolio among different asset categories, such as stocks, bonds, and cash equivalents. The video touches on the importance of diversification and choosing a mix of investments that can provide the desired level of risk and return. This concept is crucial for managing risk and achieving a stable income from dividends.

💡Tax Considerations

Tax considerations are an important aspect of investment planning, as they can significantly impact the net income from investments. The video mentions the need to account for dividend tax rates when calculating the net dividend income. Understanding tax implications is essential for accurate financial planning and maximizing after-tax returns.

💡Risk Management

Risk management involves identifying, assessing, and prioritizing risks followed by coordinated and economical application of resources to minimize, monitor, and control the probability or impact of unfortunate events. In the video, the speaker cautions against investing solely based on high dividend yields, as this can lead to increased risk. Instead, a balanced approach that considers the stability and growth of dividends is recommended.

💡Portfolio Diversification

Portfolio diversification is the practice of spreading investments among various financial instruments, industries, and other categories to optimize returns and lower the risk of loss. The video emphasizes the importance of not putting all investments into a single ETF or stock but rather diversifying across different assets to mitigate risk and achieve a more stable income stream.

💡Marketbeat

Marketbeat is a financial tool mentioned in the video that allows users to simulate and analyze different investment scenarios. It's used to illustrate how various factors, such as initial capital, annual contributions, dividend tax rates, and dividend growth, can impact the total dividend income over time. This tool helps investors visualize the potential outcomes of their investment strategies.

💡Stock Performance

Stock performance refers to how well a particular stock or stock index has performed over a certain period. It's typically measured by the percentage change in the stock's price. The video discusses the importance of not only high dividend yields but also the performance of the underlying stocks in the ETFs. Stocks with strong performance and consistent dividend growth are more likely to contribute to a stable and growing dividend income.

Highlights

Mario Lochner introduces the series 'Dividende ohne Ende', focusing on how to live off dividends and achieve a dividend income of 100,000 € per year.

Lochner aims to provide tools to become 'reich Schmarotzer' (wealthy free-rider) through dividend investing, amidst criticism of wealthy individuals.

Emphasizes the enjoyment of increasing income and investments through dividend growth, against societal criticism.

Introduction to the basics of dividends and a free Dividenden White Paper for beginners.

Discussion on dividend investing during recessions, showing the S&P 500's dividends only dropped by -0.5% on average compared to a -34% fall in share prices.

Analysis of necessary capital for a 100,000 € annual dividend income and exploration of ETFs with high dividend yields.

Detailed calculation for achieving 60,000 € annual net dividend with an ETF example.

Comparison between ETFs with high and super-high dividend yields to achieve the target dividend income.

Warning about the risks of high dividend yields and the importance of considering the stability and growth of dividends.

Analysis of a high-yield ETF, discussing its risky investment profile and unstable dividend payouts.

Highlighting the significance of dividend growth over high initial yields for long-term investment success.

Statistical evidence that companies with consistent dividend growth offer the best returns.

Simulation of investment scenarios using MarketBeat to showcase the impact of dividend growth on achieving 100,000 € annual dividend income.

Introduction to a list of stocks with a history of double-digit dividend growth and promising future prospects.

Encouragement for feedback and suggestions for future content on dividends, with a reminder to subscribe for more investing tips.

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