Examples, not advice
Sample dividend portfolios
Three illustrative dividend portfolios (income, growth and balanced): how money could be split, what income each might produce, and how to test it in a calculator.
Illustrative examples only. The yields below are assumed round numbers to show how allocation changes income. They are not market data, forecasts or recommendations, and taxes and fees are not included.
How much would you invest?
Change the amount and every portfolio below updates.
| Holding | Weight | Assumed yield | Amount |
|---|
| Long-record dividend stocksCompanies with long histories of rising dividends |
35% |
3.0% |
— |
| Dividend-focused ETFsFunds built around dividend payers |
25% |
4.0% |
— |
| REITsReal estate companies that pay out most of their income |
15% |
4.5% |
— |
| Bond ETFPays interest, usually monthly |
25% |
4.0% |
— |
- Average yield
- —
- Estimated yearly income
- —
- Estimated monthly income
- —
Watch out for: Rate-sensitive assets such as REITs and bonds can fall when interest rates rise, and high-yield holdings are more likely to cut their dividend.
Open in the calculator →
- Average yield
- —
- Estimated yearly income
- —
- Estimated monthly income
- —
Watch out for: The starting income is small, there is more stock-market risk, and the plan depends on companies continuing to raise their dividends.
Open in the calculator →
- Average yield
- —
- Estimated yearly income
- —
- Estimated monthly income
- —
Watch out for: A bit of everything means no single part does as much as it could, and bonds and REITs still react to interest rates.
Open in the calculator →
These three portfolios show how the same amount of money can be split in different ways, and what each split could mean for income. They are teaching examples. They are not recommendations, and nothing here is tailored to you.
About the numbers. The yields are round, illustrative assumptions chosen to show how allocation changes income. They are not current market data and not forecasts. Real yields change every day and differ between funds and companies. Taxes and fees are not included.
How to use them
- Pick an amount and compare how the three splits change your estimated income.
- Open a portfolio in the calculator and change the yields to match what you find in your own research.
- Look at the profiles and lists linked from each row to see real examples of that kind of holding.
- Think about which trade-off fits your goals, time horizon and tolerance for risk. The investor quiz can help you reflect on that.
What these examples do not do
- They do not tell you what to buy. Choosing specific companies or funds needs your own research.
- They ignore your country’s tax rules, your other savings and your personal situation.
- Past dividends and yields do not guarantee future payments.
Read more about portfolio allocation and the difference between dividend growth and high yield.
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Investment Disclaimer
All information and tools on this website are provided for informational
purposes only. The calculations, examples, and projections are simplified
estimates and may not reflect real-world investment results.
Nothing on this website should be interpreted as financial, investment,
tax, or legal advice. You are solely responsible for your investment
decisions and any outcomes resulting from them.
Past performance and projected returns do not guarantee future results.
Always conduct your own research and consult a qualified financial advisor
before making investment decisions.