Daily Investment Advice

Category: Cash Flow for Retirement

  • Top 3 Monthly Paying REITs (Real Estate Investment Trusts)

    Top 3 Monthly Paying REITs (Real Estate Investment Trusts)

    Real Estate Investment Trusts (REITs) offer a compelling way to generate income through real estate without having to buy property directly. One of the key attractions for many investors is the potential for regular, predictable dividend payments. While many REITs pay dividends on a quarterly basis, there are several that provide monthly payouts, which can be particularly appealing for those seeking consistent cash flow. In this article, we’ll delve into three REITs that stand out for their monthly dividend payments: STAG Industrial (STAG), LTC Properties (LTC), and Realty Income (O).

    1. STAG Industrial (STAG)

    Overview

    STAG Industrial, Inc. (NYSE: STAG) focuses on the acquisition and operation of single-tenant industrial properties across the United States. Founded in 2010, STAG has rapidly grown to become a significant player in the industrial real estate sector. The company’s strategy involves targeting properties that have long-term leases with high-quality tenants, which helps ensure steady rental income.

    Key Features

    • Diversified Portfolio: STAG Industrial boasts a diversified portfolio of over 500 properties in more than 40 states. This diversification helps mitigate risks associated with any single tenant or geographic region.
    • Tenant Profile: The company’s tenants include major corporations across various industries, providing stability and reliability in rental income.
    • Monthly Dividends: STAG pays dividends on a monthly basis, making it an attractive option for income-focused investors. As of the latest reports, the monthly dividend is approximately $0.124 per share.

    Performance and Strategy

    STAG Industrial has demonstrated a strong track record of growth and stability. The company’s focus on high-demand industrial properties, combined with its proactive management strategy, positions it well for long-term success. Investors appreciate the regular monthly dividends, which can be reinvested or used to meet monthly income needs.

    For more detailed information, visit STAG Industrial’s official website: STAG Industrial.

    2. LTC Properties (LTC)

    Overview

    LTC Properties, Inc. (NYSE: LTC) is a REIT that primarily invests in senior living and health care properties. Founded in 1992, LTC Properties focuses on acquiring and managing facilities that provide essential services to the aging population. The company’s investments include skilled nursing facilities, assisted living communities, and other healthcare-related properties.

    Key Features

    • Healthcare Focus: LTC Properties’ investment strategy revolves around the healthcare sector, a crucial and growing area due to the aging demographic. This focus provides stability and growth potential.
    • Long-Term Leases: The company typically enters into long-term leases with operators of its properties, which ensures a steady stream of rental income.
    • Monthly Dividends: LTC Properties offers monthly dividend payments, currently around $0.19 per share. This consistent payout is particularly appealing to investors looking for reliable income.

    Performance and Strategy

    LTC Properties has a robust portfolio of healthcare properties, providing stability in its rental income. The company’s focus on essential services means that demand for its properties is relatively inelastic, even during economic downturns. The monthly dividends are a key feature that attracts income-oriented investors.

    For additional details, visit LTC Properties’ official website: LTC Properties.

    3. Realty Income (O)

    Overview

    Realty Income Corporation (NYSE: O), often referred to as “The Monthly Dividend Company,” is one of the most well-known REITs paying monthly dividends. Established in 1969, Realty Income focuses on acquiring and managing retail and commercial properties with long-term net leases.

    Key Features

    • Wide-Ranging Portfolio: Realty Income’s portfolio includes a diverse array of properties, including drug stores, dollar stores, convenience stores, and various other retail and commercial spaces. This diversity helps spread risk.
    • Net Lease Model: The company operates on a net lease model, where tenants are responsible for property expenses such as taxes, insurance, and maintenance. This structure ensures stable and predictable income for Realty Income.
    • Monthly Dividends: Realty Income is famous for its monthly dividends, which are currently around $0.255 per share. The company has a long history of dividend payments, and it is known for its commitment to increasing its dividend payouts over time.

    Performance and Strategy

    Realty Income has a solid reputation for reliability and consistency. The company’s extensive portfolio, combined with its net lease strategy, provides a stable income stream. Its monthly dividend payments are a significant draw for investors seeking dependable cash flow.

    For more information, visit Realty Income’s official website: Realty Income.

    Conclusion

    STAG Industrial, LTC Properties, and Realty Income are standout choices for investors seeking monthly dividend payments from REITs. Each of these companies has a unique focus—industrial properties, healthcare facilities, and retail/commercial properties—offering diversified options to suit different investment strategies. By choosing REITs with a history of reliable monthly dividends, investors can benefit from regular income and potential long-term growth. Always remember to consider your own investment goals and risk tolerance when adding REITs to your portfolio.

  • How to Earn PASSIVE INCOME Investing in GOLD & SILVER (Top 3 Ways)

    How to Earn PASSIVE INCOME Investing in GOLD & SILVER (Top 3 Ways)

    Welcome back to the website! In this video I discuss some of my favorite ways for earning passive income with commodities like gold & silver. Hope you enjoy the video!

  • Financial Independence, Retire Early (FIRE): What You Need to Know

    Financial Independence, Retire Early (FIRE): What You Need to Know

    The Financial Independence, Retire Early (FIRE) movement has gained significant traction over the past decade, inspiring many to rethink traditional retirement planning. By prioritizing saving, investing, and mindful spending, adherents aim to achieve financial independence and retire well before the conventional age. Here’s what you need to know about the FIRE movement, steps to achieve financial independence, and the pros and cons of this lifestyle.

    Overview of the FIRE Movement

    What is FIRE?

    • Financial Independence, Retire Early (FIRE) is a financial strategy and lifestyle choice that emphasizes extreme savings and investments to enable individuals to retire much earlier than traditional retirement age.
    • The movement encourages living frugally, maximizing income, and investing aggressively to build sufficient wealth that generates enough passive income to cover living expenses.

    Origins of FIRE

    • The concept of FIRE was popularized by Vicki Robin and Joe Dominguez in their book Your Money or Your Life. The movement has since grown, with many online communities and resources dedicated to helping individuals achieve FIRE.

    Types of FIRE

    • Lean FIRE: Achieving financial independence with a minimalist lifestyle and lower annual expenses.
    • Fat FIRE: Achieving financial independence while maintaining a higher standard of living and higher annual expenses.
    • Barista FIRE: Reaching a level of financial independence that allows one to work part-time or in a less stressful job, supplementing passive income.
    • Coast FIRE: Accumulating enough savings early on, allowing the investments to grow over time without needing additional contributions.

    Steps to Achieve Financial Independence

    Set Clear Financial Goals

    • Define what financial independence means to you and establish a target retirement age.
    • Calculate your FIRE number, the amount of money needed to generate enough passive income to cover your annual living expenses.

    Track Your Expenses and Budget

    • Monitor your spending to understand where your money goes and identify areas to cut back.
    • Create a detailed budget that aligns with your financial goals and prioritize saving and investing.

    Maximize Income

    • Increase your earning potential through career advancement, side hustles, or entrepreneurship.
    • Negotiate higher salaries or seek higher-paying job opportunities.

    Minimize Expenses

    • Adopt a frugal lifestyle by reducing discretionary spending, such as dining out, entertainment, and luxury purchases.
    • Focus on high-impact savings areas, such as housing, transportation, and groceries.

    Aggressively Save and Invest

    • Aim to save at least 50% or more of your income, redirecting those savings into investments.
    • Invest in a diversified portfolio, including stocks, bonds, real estate, and other assets that align with your risk tolerance and time horizon.

    Build Multiple Streams of Income

    • Diversify your income sources through investments, rental properties, dividend stocks, and other passive income streams.

    Continually Educate Yourself

    • Stay informed about personal finance, investing strategies, and market trends to make informed decisions.
    • Engage with the FIRE community through blogs, forums, podcasts, and books.

    Pros and Cons of the FIRE Lifestyle

    Pros:

    • Early Retirement: Achieve the freedom to retire decades earlier than the traditional retirement age, allowing you to pursue hobbies, travel, and spend more time with loved ones.
    • Financial Security: Gain financial independence, reducing reliance on employment income and increasing financial resilience.
    • Flexibility and Freedom: Enjoy the flexibility to work on your terms, whether part-time, freelance, or pursuing passion projects.
    • Reduced Stress: Eliminate the stress associated with job insecurity and financial instability.

    Cons:

    • Sacrifice and Frugality: Adopting an extremely frugal lifestyle can be challenging and may require significant sacrifices in the short term.
    • Social Isolation: The unconventional lifestyle may lead to social isolation, as friends and family may not share the same financial priorities or understand the FIRE mindset.
    • Market Risks: Reliance on investment income exposes you to market volatility and potential downturns, which can impact your financial stability.
    • Healthcare Costs: Early retirees may face challenges securing affordable healthcare, particularly in countries without universal healthcare.

    Conclusion

    The FIRE movement offers an alternative path to traditional retirement, prioritizing financial independence and early retirement through disciplined saving, investing, and mindful spending. While the journey to FIRE requires significant commitment and sacrifices, the rewards of financial freedom and flexibility can be substantial. By understanding the principles of FIRE and implementing strategies to achieve financial independence, you can determine if this lifestyle aligns with your personal goals and values.

  • Could This Be the Fastest Way to Make $10,000+ Per Month with Dividends? (CONY, TSLY, & NVDY)

    Could This Be the Fastest Way to Make $10,000+ Per Month with Dividends? (CONY, TSLY, & NVDY)

    Hello everyone and welcome back to the website! In today’s video I discuss three different extremely high yielding ETFs (exchange traded funds). I thank you for tuning in and we just crossed the 2,000 subscriber mark on the Cash Flow Investor YouTube channel! Thank you so much, I couldn’t have done it without you guys!!

    With that being said, the ETFs discussed in the video below are the YieldMax COIN Option Income Strategy ETF (CONY), YieldMax TSLA Option Income Strategy ETF (TSLY) and the YieldMax NVDA Option Income Strategy ETF (NVDY). The crazy part about these ETFs is that they all yield a ridiculous 50+% and one of them (I discussed on the channel the day before this video was made) pays over a 100% dividend yield!

    See below the charts for the 3 ETFs discussed below!

    finviz dynamic chart for CONY
    finviz dynamic chart for TSLY
    finviz dynamic chart for NVDY

  • This High Yielding NVIDIA Based ETF Pays an INSANE Dividend of 100+%

    This High Yielding NVIDIA Based ETF Pays an INSANE Dividend of 100+%

    Hello everyone and welcome back to the website! In the video below I discuss NVDY or the YieldMax NVDA Option Income Strategy ETF (exchange traded fund). Believe it or not, this ETF is currently yielding over 100%+ and has a positive share price performance history of over 30% as of writing this, since the ETF came into inception in the first part of 2023. Hope you guys enjoy the discussion and video below on this ETF and let me know what you think in the comments!

  • Retire on $1 Million & $100,000 in Dividends with the JEPQ ETF?

    Retire on $1 Million & $100,000 in Dividends with the JEPQ ETF?

    In this video I discuss the JEPQ ETF or the JP Morgan Nasdaq Equity Premium Income ETF and give my thoughts on rather or not this could be used for retirement investors as a passive income source. Near the end of the video I go over some hypothetical examples about the amount invested and how much passive income you could potentially receive on a monthly and annualized basis, including an example with $1 million invested into the fund!

  • Top 3 Vanguard Dividend ETFs to Buy & Hold Forever

    Top 3 Vanguard Dividend ETFs to Buy & Hold Forever

    Hello everyone! Welcome back to the channel. Today we discuss the top 3 vanguard dividend ETFs or exchange traded funds to consider if you’re a dividend investor. Arguably, these funds could be thrown into say a Roth IRA (just an example) and left for 20, 30 or even 40+ years to compound your wealth.

    That said, I hope you guys enjoy this video and let me know what you think in the comments down below!

    The three ETFs mentioned in the video are the Vanguard Real Estate Fund (VNQ), the Vanguard Dividend Appreciation Index Fund (VIG) and the Vanguard High Dividend Yield Indx ETF (VYM).

  • How to Make $1,000+ in Monthly Dividends

    How to Make $1,000+ in Monthly Dividends

    In the video below I discuss how you can realistically make $1,000+ in dividends every month, discussing some common and popular dividend stocks along with a monthly dividend ETF, to help compare how much it might take to make $1,000+ in dividends per month. Hope you guys enjoy!

  • Top 3 Dividend Paying Mining Stocks (Gold, Copper, Silver)

    Top 3 Dividend Paying Mining Stocks (Gold, Copper, Silver)

    Welcome back to the channel and/or website! In today’s video I briefly discuss 3 mining stocks that also pay dividends. Mining stocks can be good because raw materials and commodity prices tend to go up with inflation over time, potentially providing a natural hedge. That said, I hope you will join me as we discuss Rio Tinto (RIO), Newmont Mining (NEM) and B2Gold (BTG) in today’s video! Rio Tinto is the stock I discussed in my last video and focuses a lot on copper mining. Newmont and B2Gold on the other hand are primarily focused on gold and silver mining and production.

  • This Mining Stock Pays Nearly 8% (RIO)

    This Mining Stock Pays Nearly 8% (RIO)

    finviz dynamic chart for RIO

    In this video I discuss Rio Tinto Group (RIO) stock, which is an international mining company that pays nearly an 8% dividend yield. Hope you enjoy the video!