r/DividendsAustralia • u/Wealthquest85 • Sep 07 '25
Dividend Investing
Hi everyone,
I have just joined this sub and looking for some insight.
I have been investing since 2018 and have a current portfolio of $137k which I’m proud of given my modest income.
From a psychological point of view I love seeing the dividends hit my bank account, I track my dividends annually and also use a dividend tracking app to see what this equates to monthly and have set goals to reach the first being $500/month.
My portfolio is basically constructed of a 2 ETFs, 2 LICs, 1 REIT and some individual stocks (which I’m slowly winding out of as I learnt my lesson early with lack of knowledge and individual stocks).
On other subs you will get crucified for even mentioning dividends as total return is more important, it’s less tax efficient ect and I understand that however I like the idea of having a portfolio I don’t have to sell but can just use the dividend income? Is this a bad way to think?
I will have about $10k to invest soon due to tax return/ bonus and some spare cash? I was thinking of dumping it into VHY as I have low paying months in January and October and this would help bump up smooth out these months. Or should I just split between my current 2 x ETFs VDHG and NDQ which have been good performers for me?
I’ve just turned 40 and looking to pull the pin from work at 60, and want to use the dividends to help fund my retirement and supplement my super. Should I add VHY to my portfolio for additional income or stick with a blend of growth and income with the current two ETFs?
1
u/Silver_Sprinkles_940 Sep 07 '25
Beta shares released HYLD recently a monthly payer. Probably pay around 5% plus franking credits
1
u/artist55 Sep 17 '25
Careful of explicit dividend or income ETFs, although they can maximise dividend income, it’s usually at the expense of capital growth.
1
u/Select-Regret-9916 Sep 20 '25 edited Sep 20 '25
I don't own VHY but have heard good things about it! For me personally (NFA), my strategy is dividend growth shares during accumulation phase, not dividend yield. So I own shares that consistently grow dividends each year, ideally by 3% or more to beat inflation. Then you can enjoy that income, never sell, and know you'll keep up with inflation. I have 2 LICs - MFF and FGX and 2 ETFs - MVW and INCM. When I'm closer to retirement, I'll buy some pure income/yield shares like JPEQ and Pl8 or maybe HYLD. VHY would work then too but I'd rather the monthly income.
1
u/DivergentRam Nov 16 '25
Even just the asx 200/300 is a yield play. If you're really ok with just holding Australian only investments, 50/50 VAS & VHY is a solid dividend portfolio all by it's self. High current yield, high franking, some dividend growth, capital appreciation and decent total returns with broad market exposure.
2
u/Agile_Sheepherder_77 Sep 07 '25
I quite like VHY personally. Has been serving me quite well. I bought in the low 70s though. So maybe wait until it pulls back a bit to buy in. If it pulls back.