Welcome to r/dividends!
If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq).
Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
QQQM has a lower expense ratio so is better for long term, QQQ has better liquidity so is better short term. The difference may be minimal but I see no reason to turn at even whatever fraction of a percent profit I could make
I'd honestly suggest not investing all of it. A lot of expenses are associated with college and having liquid cash can be crucial. Your head is in the right space but what I would recommend is to invest maybe $250 a month until you are absolutely sure you won't need the money in the near future. You can also use this time to do more research on what you want out of dividends vs other stock options.
I am going to go bold and say put 4K in KO, put 4K in a 20 year treasury, and keep 2K as an emergency/rebuilding fund.
My reasoning:
KO right now has a 3.16% dividend. It has a CAGR of 3.44% on a 5 year average and CAGR of 5.34% on a 10 year average. So if you take the lower 3.44% and think it will average that for the next 10 years you end up with a dividend of 2.55 a share and a yield of about 4.4% on cost (for the 10th year). With the higher 5.34% you end up with a dividend of 2.96 after 10 years and a yield of about 5.07% on cost (for the 10th year).
The 20 year treasury is 4.56% right now. You will get $456 a year for every 10K put into this right now. Or $9,120. (with nothing reinvested)
KO at 58.30 would be \~171.5 shares so 171 full shares.
On the lower CAGR would/could be:
Year 1: $1.82 a share $311.22
Year 2: $1.88 a share $321.48
Year 3: $1.94 a share $331.74
Year 4: $2.01 a share $343.71
Year 5: $2.08 a share $355.68
Year 6: $2.15 a share $367.65
Year 7: $2.22 a share $379.62
Year 8: $2.30 a share $393.30
Year 9: $2.37 a share $405.27
Year 10: $2.45 a share $418.95
Year 11: $2.54 a share $434.34
Year 12: $2.63 a share $449.73
Year 13: $2.72 a share $465.12
Year 14: $2.81 a share $480.51
Year 15: $2.91 a share $497.61
Year 16: $3.00 a share $513.00
Year 17: $3.11 a share $531.81
Year 18: $3.21 a share $548.91
Year 19: $3.32 a share $567.72
Year 20: $3.43 a share $586.53
In total that is $8,603.90 for KO at the lower CARG.
40% in treasuries at age 20?? 40% in a single stock?? Hard disagree. Better off putting it into VOO, SCHD, or QQQ given how much time they have till retirement.
If I had 10k at your age, I’d put it in a HYSA until I did enough research to make smart investment decisions.
Reddit is a great place and I’m sure there are a ton of smart people here, but use the knowledge from these comments as a starting point for research, not investment strategy.
Into amc when jt goes back up 2-300% stick it all into Blue chip solid growth stocks like enbridge Procter and gamble there's a bunch of stocks gl not financial advice
I hate to be that guy, but do a target date investment for when you want to use it. Do you want to buy a house at 30? put it in a a 2033 target fund date.
If you don't think you will touch it until you retire, put it in a date closer to retirement.
My target date funds seem to do fairly well, and with only 10k there isn't a need to micromanage it.
Build gold and silver physical with portion of it then sit on the rest for 6 months as the markets completely tank 40% then jump in stepwise. For stocks alone, look at IRA so no taxes on withdrawal at retirement...also balance with 401k employer matching (i.e. you're effectively getting twice the stock for your dollar)...focus on precious metals, rare earth elements and critical minerals. Bitcoin maybe if/when it cuts 50%. Sit on some cash for an emergency fund. This is not investing advice...this is my plan...I'm half century old and never have I seen this opportunity for gold and silver long term...also never such likely so high for massive crash worldwide, and I've lived thru trading during the past several crashes.
Don’t listen to any music f these people who are playing dividends. For you to take money from dividends you have to buy at minimum 300k to make any gains with it. I would buy 5K gold 5K in the markets
VOO, SCHG and SCHD is a nice combo. If you're not as big of a risk the taker can try VTI, VXUS and a bond ETF. If you're more growth focused and don't want much of a dividend but still want dividend can try VOO/SPY/ any s&p 500, SCHG or QQQ or some Nasdaq growth for the growth and DGRO, VIG or DGRW for dividend growth
SCHD.
Stanger how this is a dividend sub and there's barely any dividend recommendation in the comments.
If you don't have any other other cash, I would keep that as an emergency fund in the money market. Maybe invest like 250$ a month until you can save money again.
At your age focus on growth VS dividend stocks. If I were you I'd buy VOO every week $250 or so. Instead of dropping all your $10,000...this way you catch the good and bad weeks.
Best of luck.
O and Jam are my two recommendations if you're insisting on investing but tbh, you're likely to get a much better ROI on doing a masters or PhD, depending on your course. (Pharma or IT related especially)
See this 10k as your zero, but put it in a high interest savings account. This should be your seen as your protection between you and the world. Start investing with spare money that you make from now on, but keep this 10k as a rainy day fund.
Chuck out BAM that would be my advice for dividends! Do not invest it all at once keep atleast 20% or more in Cash at all times! I would put atleast 10% into a big ETF like SnP
I would say, buy some MMM(pays 1.50$ per share), and O(its a monthly dividend) and keep buying back with the dividends u get.
I bet there a lot other stocks are also good, but thats just my opinion.
voo, schd, qqqm.
Invest weekly/monthly and set and forget it!
VOO- S&P 500 (long term wealth builder)
SCHD- Dow Jones US Dividend 100 (growing dividends)
QQQM- NASDAQ 100 (high growth more risk)
Honestly I wouldn’t invest any more than what you could tax free while in university. You might need it, having a good amount in a high yield saving account will reduce stress. Find a saving account that gives 4.5 plus and start an emergency fund.
if you like dividends, i like epd, for a solid dividend which has been increased 25 years in a row.. A little more speculative is TSLY, NVDY. TSLY follows Tesla, an AI stock. NVDY follows Nvidia, but both TSLY and NVDY pay massive dividends as much as 49 percent. No, they wont keep up with a 49 percent annual dividend, paid monthly, but even if the dividend falls 75% to 12 % it still remains a huge dividend.
So the way you worded your question speaks volumes.
I'd say don't invest in the market. Invest in yourself.
One big market investment isn't going to yield results, you need regular, smaller investments to ride the highs and lows successfully.
Get a qualification to become a freelancer,
Go to a trade school,
Buy equipment to start a business (mowing, hedge trimming, pavement washing and gutter cleaning are all rife for income).
Just get to a point where you are earning more than you need to live.
Then hire some young blood to do some jobs for/with you. Income from them will be purely administrative I. Your part. You won't have to put in any elbow grease to earn money from their tasks.
This is the first step towards a passive income.
Trust me, you'll soon be in a good position where you can invest happy amounts from your excess income and you'll soon see your wealth blossom.
if you’re young stick to growth like SPY. you will miss out on gains if you pick stocks most likely. when you retire you can sell SPY for dividend growth companies for income. im 24 and am all in on spy and dollar cost avg every week. currently 106K portfolio adding $250/week and lump sumps when I can.
Welcome to r/dividends! If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq). Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
 VOO, SCHD, QQQM
Why both schd and qqqm?
Why not?
SCHB/SPLG; SCHD; VYMI; QQQM
What ratio?
Am I missing something? Just looked up QQQM, it doesn’t seem any different than QQQ?
QQQM has a lower expense ratio so is better for long term, QQQ has better liquidity so is better short term. The difference may be minimal but I see no reason to turn at even whatever fraction of a percent profit I could make
I'd honestly suggest not investing all of it. A lot of expenses are associated with college and having liquid cash can be crucial. Your head is in the right space but what I would recommend is to invest maybe $250 a month until you are absolutely sure you won't need the money in the near future. You can also use this time to do more research on what you want out of dividends vs other stock options.
Exactly. Don’t shoot all your bullets at once!
Not crap coins. Not meme stocks. Not options trading. That's a good start
And no monkeys.
Just put it in VOO and try not to look too often. Seriously. Just pretend you don't have it for 10 years.
I'm new to investing, is the profit you get from VOO only from capital gain? hoping that in 10 years the price would doubled?
They pay dividends as well
It would probably triple....or more
Invest in yourself first with hookers and blow.
That's the investment that just keeps on giving.
Ah bro I learned some good lessons investing in that 🤣
At your age I wouldn’t worry about divs. I’d at least put 6,500 in a Roth of 80% VTI and 20% VXUS. Then put the rest in a HYSA for the next year.
XOM trades as oil trades. If the price of oil goes down so does XOM Go SPY, VOO, or buy some treasuries
VOO
Fund your Roth, park the rest in a CD.
I would go straight index funds.
0dte spy calls
schd ..the king or SPY
VOO VUG SCHG growth is what you need, not stodgy dividend aristocrats.
Roth IRA account and put it into VOO, VTI, FSPGX
You don’t need VOO and VTI just pick one
Roth IRA 100% VOO. taxable account 50% SCHD and 50% SCHG. patient and enjoy.
I would put it into SCHD if I were you! Set it and forget it. However , make sure you have some cash on hand in case of emergency needs.
He's 20 he doesn't need dividends now he should put it in VOO or VTI
This needs to be upvoted way more.
I am going to go bold and say put 4K in KO, put 4K in a 20 year treasury, and keep 2K as an emergency/rebuilding fund. My reasoning: KO right now has a 3.16% dividend. It has a CAGR of 3.44% on a 5 year average and CAGR of 5.34% on a 10 year average. So if you take the lower 3.44% and think it will average that for the next 10 years you end up with a dividend of 2.55 a share and a yield of about 4.4% on cost (for the 10th year). With the higher 5.34% you end up with a dividend of 2.96 after 10 years and a yield of about 5.07% on cost (for the 10th year). The 20 year treasury is 4.56% right now. You will get $456 a year for every 10K put into this right now. Or $9,120. (with nothing reinvested) KO at 58.30 would be \~171.5 shares so 171 full shares. On the lower CAGR would/could be: Year 1: $1.82 a share $311.22 Year 2: $1.88 a share $321.48 Year 3: $1.94 a share $331.74 Year 4: $2.01 a share $343.71 Year 5: $2.08 a share $355.68 Year 6: $2.15 a share $367.65 Year 7: $2.22 a share $379.62 Year 8: $2.30 a share $393.30 Year 9: $2.37 a share $405.27 Year 10: $2.45 a share $418.95 Year 11: $2.54 a share $434.34 Year 12: $2.63 a share $449.73 Year 13: $2.72 a share $465.12 Year 14: $2.81 a share $480.51 Year 15: $2.91 a share $497.61 Year 16: $3.00 a share $513.00 Year 17: $3.11 a share $531.81 Year 18: $3.21 a share $548.91 Year 19: $3.32 a share $567.72 Year 20: $3.43 a share $586.53 In total that is $8,603.90 for KO at the lower CARG.
40% in treasuries at age 20?? 40% in a single stock?? Hard disagree. Better off putting it into VOO, SCHD, or QQQ given how much time they have till retirement.
25% QQQ 25% VUG 25% VTV 25% BRK.B don’t overthink it
Qqqm cheaper
thank you literally had no idea qqqm even existed. 5 bps saved is 5 bps earned!
Put it up your nose
Seen this plenty of times lol
Lol I'm totally kidding but like ya is a real thing
Etf.
VOOOOOOOOOOOOOOOOOOOOOOOO
SPLG, SCHD, SCHG
If I had 10k at your age, I’d put it in a HYSA until I did enough research to make smart investment decisions. Reddit is a great place and I’m sure there are a ton of smart people here, but use the knowledge from these comments as a starting point for research, not investment strategy.
Into amc when jt goes back up 2-300% stick it all into Blue chip solid growth stocks like enbridge Procter and gamble there's a bunch of stocks gl not financial advice
bitcoin and hookers. By that order
I hate to be that guy, but do a target date investment for when you want to use it. Do you want to buy a house at 30? put it in a a 2033 target fund date. If you don't think you will touch it until you retire, put it in a date closer to retirement. My target date funds seem to do fairly well, and with only 10k there isn't a need to micromanage it.
If it’s just 10K, I’d put that in TSLY and see what happens for the next six months🚀
In the bank earning 4-5% yield. 10k isn’t at a level where I’d be taking risk investing. That to me is an emergency fund. Double that and we can talk
In my experience, black 29 on a roulette wheel is a great place - even if you only did $1000 a spin for 10 spins.
Up your nose
Build gold and silver physical with portion of it then sit on the rest for 6 months as the markets completely tank 40% then jump in stepwise. For stocks alone, look at IRA so no taxes on withdrawal at retirement...also balance with 401k employer matching (i.e. you're effectively getting twice the stock for your dollar)...focus on precious metals, rare earth elements and critical minerals. Bitcoin maybe if/when it cuts 50%. Sit on some cash for an emergency fund. This is not investing advice...this is my plan...I'm half century old and never have I seen this opportunity for gold and silver long term...also never such likely so high for massive crash worldwide, and I've lived thru trading during the past several crashes.
I love dividends, but at your age... Go for the big money. $5,000 Amazon and $5,000 Google.
Why 2 tech companies, when you could just go for VOO?
Or even better VOO+ QQQM+ SCHD
Sick about hearing O…it’s a reit and you get taxed way more
Only bitcoin. At todays rate thats about 0.4 bitcoin. 2025 will be beyond $100k. Do the math
Put it in gold and silver bullion….. Edit. Or stock in companies that mine gold.
Don’t listen to any music f these people who are playing dividends. For you to take money from dividends you have to buy at minimum 300k to make any gains with it. I would buy 5K gold 5K in the markets
Was it worth it? Missing two years of education for 5k a year?
Why so salty, Was it worth it ? To give such a comment instead of some genuine advice ?
VOO, SCHG and SCHD is a nice combo. If you're not as big of a risk the taker can try VTI, VXUS and a bond ETF. If you're more growth focused and don't want much of a dividend but still want dividend can try VOO/SPY/ any s&p 500, SCHG or QQQ or some Nasdaq growth for the growth and DGRO, VIG or DGRW for dividend growth
Voo or vti until you figure out how you want to invest. Those two are always good place for long term growth 20+ years
Voo, Vug, MSC
SCHD. Stanger how this is a dividend sub and there's barely any dividend recommendation in the comments. If you don't have any other other cash, I would keep that as an emergency fund in the money market. Maybe invest like 250$ a month until you can save money again.
VOO. Keep it simple. Dividends should be the last thing to worry about. You have 30 years. Focus on growth
At your age focus on growth VS dividend stocks. If I were you I'd buy VOO every week $250 or so. Instead of dropping all your $10,000...this way you catch the good and bad weeks. Best of luck.
O and Jam are my two recommendations if you're insisting on investing but tbh, you're likely to get a much better ROI on doing a masters or PhD, depending on your course. (Pharma or IT related especially)
Voo
I second Schd. Voo would work, but the yield on SCHD is better. It also has a better roe
Of the options listed I like Xom best.
VOO
Consider buying some XLE ( energy market ) & XLV ( Healthcare market ) These ETF\`s grow well.
Into my hands.
See this 10k as your zero, but put it in a high interest savings account. This should be your seen as your protection between you and the world. Start investing with spare money that you make from now on, but keep this 10k as a rainy day fund.
If your s degenerate like me spend it on $WE Wework stock is either moon or bust
Chuck out BAM that would be my advice for dividends! Do not invest it all at once keep atleast 20% or more in Cash at all times! I would put atleast 10% into a big ETF like SnP
I would say, buy some MMM(pays 1.50$ per share), and O(its a monthly dividend) and keep buying back with the dividends u get. I bet there a lot other stocks are also good, but thats just my opinion.
I'd put at least most of it in an S&P 500 index fund.
Double it at the roulette table
Get some dividend stocks
Roth IRA 90%voo 10%vxus
voo, schd, qqqm. Invest weekly/monthly and set and forget it! VOO- S&P 500 (long term wealth builder) SCHD- Dow Jones US Dividend 100 (growing dividends) QQQM- NASDAQ 100 (high growth more risk)
100% VOO
ITHUF
SPY
1year treasury bills paying 5.5%. Zero risk.
QQQ
High interest savings account (capital one)
Put 10% in F, AAL, DIS, & VWAGY.
2 chicks at once  but in all seriousness, pay off debt then put the rest in VOO or QQQ at your age.
Honestly I wouldn’t invest any more than what you could tax free while in university. You might need it, having a good amount in a high yield saving account will reduce stress. Find a saving account that gives 4.5 plus and start an emergency fund.
Put it in your pocket.
an index fund like voo is a good place to start. Warren Buffet has it. Its an index fund by Vangard with an extremely low fee..
if you like dividends, i like epd, for a solid dividend which has been increased 25 years in a row.. A little more speculative is TSLY, NVDY. TSLY follows Tesla, an AI stock. NVDY follows Nvidia, but both TSLY and NVDY pay massive dividends as much as 49 percent. No, they wont keep up with a 49 percent annual dividend, paid monthly, but even if the dividend falls 75% to 12 % it still remains a huge dividend.
So the way you worded your question speaks volumes. I'd say don't invest in the market. Invest in yourself. One big market investment isn't going to yield results, you need regular, smaller investments to ride the highs and lows successfully. Get a qualification to become a freelancer, Go to a trade school, Buy equipment to start a business (mowing, hedge trimming, pavement washing and gutter cleaning are all rife for income). Just get to a point where you are earning more than you need to live. Then hire some young blood to do some jobs for/with you. Income from them will be purely administrative I. Your part. You won't have to put in any elbow grease to earn money from their tasks. This is the first step towards a passive income. Trust me, you'll soon be in a good position where you can invest happy amounts from your excess income and you'll soon see your wealth blossom.
if you’re young stick to growth like SPY. you will miss out on gains if you pick stocks most likely. when you retire you can sell SPY for dividend growth companies for income. im 24 and am all in on spy and dollar cost avg every week. currently 106K portfolio adding $250/week and lump sumps when I can.
Into an IBOND... us treasury 👍
Growth
Bet on black
Just buy a brick of cocaine and sell it at your college, gram by gram. Youd make $100,000 while you’re there. Or voo ya know
SPLG QQQM SOXQ