DIVIDEND STOCK INVESTING: How To Start In Your 40s, 50s, and 60s

I'm excited to share a model dividend stock portfolio that optimizes for near-term dividend income, while also offering capital appreciation, a sense of value, and dividend growth over the years. While this type of portfolio resonates with brand new dividend investors in their 40s, 50s, 60s, or 70s, I personally like this portfolio for my younger self too (as a base to build upon).
#dividend #stock #investing

Timestamps:
0:00 Introduction
0:35 Key Point: Even if you're younger, it can make a lot of sense to start off like an older investor, and then work into more risky, growth-oriented positions over time.
2:23 SEGMENT 1: IT'S NEVER TOO LATE TO START WITH DIVIDEND STOCK INVESTING
2:57 Those starting with investing later in life have advantages!
4:04 We are all living longer. 60 is the new 40. Because we are living longer, it's never too late to start investing.
4:24 Geo-arbitrage makes financial freedom possible, even if you start really late.
5:21 SEGMENT 2: KEY MISTAKES TO MAKE WHEN INVESTING IN YOUR 40s, 50s, 60s, or 70s
6:26 Key Takeaway: Avoid the psychological temptation to play "catch up".
8:21 SEGMENT 3: UNDERSTANDING DIVIDEND INVESTING GOALS
9:50 SEGMENT 4: HOW TO CONSTRUCT A DIVIDEND STOCK PORTFOLIO: 40s and Older
10:18 Value dividend stocks are great for older investors.
10:40 Example: Apple (AAPL) stock is generally not great for older investors (the cash flow will not be meaningful quickly enough).
12:15 Idea: An ETF (exchange traded fund) may make sense for an older investor because it de-risks the portfolio and provides instant diversification.
13:40 SEGMENT 5: SAMPLE DIVIDEND STOCK PORTFOLIO
14:34 I love healthcare stocks for this portfolio: JNJ, PFE, VTRS, and ABBV (low REs and high dividend yields)
15:50 If I were starting out today, I would be focused on healthcare because the industry is on sale right now.
16:17 Don't Forget: Dividend growth is still important for older investors.
17:07 Consumer packaged goods (CPG) food: PEP, GIS, and CPB
18:47 Global diversification is key
19:35 Consumer packaged goods basic needs: KMB and UL
19:52 This market is very expensive right now
22:14 Regulated electric utilities: SO and DUK
24:30 Sin stocks: PM
25:41 Financial services: BMO
27:15 Subtotal first 13 positions
28:00 Key Takeaway: If the market corrects, that would be great for someone just starting
29:52 We live in an inflationary environment
30:55 Real Estate Investment Trust (REIT): O
32:50 US Dollar Coin (USDC)
35:00 Grand total summary
37:23 DISCLOSURE AND DISCLAIMER

DISCLOSURE: I am long Apple (AAPL), Johnson & Johnson (JNJ), Pfizer (PFE), Viatris (VTRS), AbbVie (ABBV), PepsiCo (PEP), General Mills (GIS), Campbells Soup (CPB), Kimberly-Clark (KMB), Unilever (UL), Southern Company (SO), Duke Energy (DUK), Philip Morris (PM), Bank of Montreal (BMO), and Realty Income (O). I own these stocks in my personal stock portfolio. I also own US Dollar Coin (USDC) and Bitcoin (BTC).

DISCLOSURE: I am an affiliate of Voyager.

DISCLAIMER: All information and data on my YouTube Channel, blog, email newsletters, white papers, Excel files, and other materials is solely for informational purposes. I make no representations as to the accuracy, completeness, suitability or validity of any information. I will not be liable for any errors, omissions, losses, injuries or damages arising from its display or use. All information is provided AS IS with no warranties, and confers no rights. I will not be responsible for the accuracy of material that is linked on this site.

Because the information herein is based on my personal opinion and experience, it should not be considered professional financial investment advice or tax advice. The ideas and strategies that I provide should never be used without first assessing your own personal/financial situation, or without consulting a financial and/or tax professional. My thoughts and opinions may also change from time to time as I acquire more knowledge. These are, as discussed above, solely my thoughts and opinions. I reserve the right to delete any comments for any reason (abusive in nature, contain profanity, etc.). Your continued reading/use of my YouTube Channel, blog, email newsletters, whitepapers, Excel files, and other materials constitutes your agreement with and acceptance of this disclaimer.

COPYRIGHT: All PPC Ian videos, Excel files, guides, and other content are (c) Copyright IJL Productions LLC. PPC Ian is a registered trademark (tm) of IJL Productions LLC.

[ppcian]

IMPORTANT ANNOUNCEMENTS:
Hello, everyone! I hope you enjoy today's dividend investing video.

FREE SPREADSHEET FROM TODAY'S VIDEO:
(All I ask is that you please "like" the video and subscribe.)

SIGN UP FOR VOYAGER:
And, here is my Voyager code: BF2598
(IMPORTANT: Please make sure to actually enter the code BF2598 when registering your account. When registering your account, there should be a field to enter a referral code.)
Once you sign up, deposit $100, and use the $100 to purchase crypto (including USDC or Bitcoin/BTC), you AND I will both receive $25 in free Bitcoin/BTC from Voyager.

CHECK OUT MY PATREON:

MY BRAND NEW CRYPTOCURRENCY CHANNEL:

COOL DIVIDEND INVESTING MERCH:

Wishing you an amazing day, and I'll see you in the comments below!

(Disclosure: I am an affiliate of Voyager.)

[dimitrisalexopoulos]

No one works as much as this guy before uploading. One might disagree with him here and there, but his work ethics are far above average. Been following this channel cince March 2017. Not one time a low quality content video. Ian is a GREAT youtuber!

[andyd]

I’m 46 and started 2 years ago. Perfect video for me! Thank you.

[eltondang]

Thanks for sharing all your analysis & years of experience. I was a newbie when I made my first million investing in stocks, ETF’s, Index funds & QYLD with help of a US broker, Dodai Neil from a reputable firm who assists me trade. My best decision ever.

[crazywaffleking]

SCHD is in my opinion the absolute best dividend focused etf, if someone wanted to include one.

[sagig]

Great video as always Ian. I liked this portfolio for someone a bit older starting out. Looking forward to your next video man.

[davidlavalle]

Thank you and thank you for the spreadsheet!

[liammurphy]

Nice content. I so much loved how you explained all the details. Stocks market investment are very profitable just invest in a long term.

[orlandocordero]

Thank you for this video. I am in my 40s and started dividend investing in 2019. This is informative and timely.

[johnriley]

Thank you : older invester and gives me hope thanks for your consideration in this video awesome

[matthewsherwin]

You’re a natural at this and huge thank you for a great video. I am no professional but I like almost all of the stocks you mention in this video. Please keep these coming and stay safe and strong! 👍👍👍

[travisz]

Awesome video Ian keep up the great work. I am going to add a few of the stocks in this video very informative. Thanks again for the great content we appreciate your time and commitment to the dividend community. Have an awesome weekend.

[insidedianeslife]

Started in my 50's. Thanks for this video.

[malcolmbirkett]

I started my dividend portfolio in my fiftys. Its never too late.

[keithjackson]

Big thanks! I love the utilities sector because the dividends are great.

[katrinamillings]

I've been at this and following you for a couple of years now. I'm loaded up on all these stocks, plus a few more. You've been inspirational.

[bill__]

Agree with your point on this expensive market! It's getting difficult to justify DCA into certain stocks because they are just so high. Time to get creative!

[Adrian-cnrk]

This is great, definitely had to sub!

[danvalentine]

I would throw in T and one of the high yielding covered call ETF's like JEPI.

[JoaoCastro-qdfm]

Great video as always I started at my very late 40s but like you say is never late ..