저자: 미상 · 외국인
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하워드 막스의 투자 철학(방어적 투자, 안전마진, 사이클)을 빌려 배당주 8종(NextEra, P&G, J&J, PepsiCo, AbbVie, 3M, Duke Energy, Verizon)을 소개하고, 월 4,700달러 배당 수입을 위해 필요한 투자금을 직접투자·DRIP·커버드콜 전략별로 계산하는 영상. 배당수익률 4%/8% 가정 기반.
다듬은 글
uh people come to me for financial advice I say which is more important to you keeping what you have or making more and they say both you can't do both with equal emphasis every attempt to make more introduces the possibility of of not having any more what you have today so you have to decide the balance between aggressiveness and defensiveness and then if you're uh really bold you can think about varying it over time uh as the circumstances required you can make your dream of Financial Freedom a reality by using a strategy that is so strong it makes your financial future not only safe but also wellestablished this isn't just any strategy it's the strategy of dividend investing a method that has silently been fueling the portfolios of the wise and patient investors Among Us the power of dividends enables investors to achieve relatively good returns while simultaneously safeguarding their savings that's why Howard Marx a legendary investor known for his ability to navigate Market cycles and find hidden investment opportunities holds substantial stakes in dividend stocks since 1926 dividends have contributed approximately 32% of Total return for the S&P 500 but beyond just numbers dividends represent a share of the company's profits directly rewarding you the shareholder for your investment and trust it's like having a gold Goose that lays regular golden eggs now what if we could amplify this power turning it into a monthly income of $4,700 Yes you heard that right $4,700 every month just from dividends it's not a myth it's a possibility that requires Insight strategy and a bit of wisdom and guidance from one of the investment worlds great Howard Marx today we're going to look through Marx's Playbook and find a dividend stocks that are not only good but also golden stocks that you buy once and hold forever letting them work for you generating a steady stream of income month after month our discussion will also cover Marx's investment philosophy the math behind earning $4,700 per month and the best ways to get there before we begin to look at our dividend stock selections it's important to understand the guiding principles of Howard Marx a luminary in the world of investing Marx endorses the concept of defensive investing a strategy that prioritizes safeguarding against losses over chasing speculative gains he famously said the most important thing is to avoid losing money this Mantra is especially relevant for dividend investors seeking reliable income streams Marx is renowned for his emphasis on investing with a margin of safety this principle involves selecting Investments priced well below their intrinsic value to cushion against un foreseen market downturns for those of us looking to live off dividends this means focusing on companies not just with attractive yields but also with solid financials and a Competitive Edge that can weather economic storms another important aspect of Marx's philosophy is the importance of recognizing and understanding Market Cycles I believe that there are cycles and that they're extremely important to understand I believe there always will be Cycles I have followed cycles for 50 years I've think I've been able to help our clients by dealing with the Cycles he believes that being aware of where we stand in the cycle can significantly influence our investment decisions for dividend investors this awareness can guide us in choosing stocks that are likely to maintain or grow their dividends across different market conditions selecting dividend stocks that align with Howard Mark's investment philosophy means looking for companies with a blend of stability growth potential itial and resilience markx famously said you can't predict you can prepare here's a condensed guide for picking such stocks Point number one track record of dividend payments choosing companies with a long history of consistent dividend payments like Johnson and Johnson which has increased its dividends for over five decades this history indicates Financial Health and a commitment to shareholders number two proven business models focus on companies with with durable business models and a competitive Advantage such as utilities providing essential Services their constant demand ensures reliable dividends number three Competitive Edge Look for companies with a unique selling point whether it's Innovative technology or a strong brand like Apple Incorporated this Edge helps maintain profitability and dividends number four essential services companies in sectors like healthcare which provide dispensable services offer stability and are less affected by economic downturns making their dividends more secure number five sustainability invest in companies committed to sustainable practices as marks notes being Forward Thinking in sustainability aligns with long-term value creation number six strong corporate governance good governance is key companies that prioritize shareholder interests tend to support consistent dividends and growth by focusing on these six criteria investors can identify dividend stocks that promise not just immediate returns but also long-term growth and stability embodying Marx's approach to investing wisely and defensively now let's look at the eight dividend stocks that meet our criteria inspired by Howard Marx's investment philosophy while specific stock recommendations would require Marx's direct endorsement we can suggest sectors and characteristics of companies is likely to fit his approach these include established utilities with a history of reliable dividend growth leading Consumer Staples companies known for their enduring Brands and Healthcare Giants innovating for the future while paying steady dividends each stock selected stands out for its Financial Health Market position and potential to deliver consistent returns over time stock number one next era energy or NE a leading utility company known for its significant investments in renewable energy next era Energy's commitment to sustainable energy solutions and consistent dividend growth makes it a compelling choice for long-term investors seeking stability and Innovation number two Proctor and Gamble or PG as a consumer staples giant Proctor and Gamble boasts a wide array of essential products and a long history of dividend payments its strong brand and Global presence exemplify the type of company that can weather economic Cycles while providing steady returns to shareholders number three Johnson and Johnson or J&J a healthc care company that offers a diverse portfolio of products spanning Pharmaceuticals medical devices and consumer health Johnson and Johnson's commitment to Innovation coupled with its dividend Aristocrat status reflects the resilience and growth potential marks often highlights number four pepsic Co or pep another consumer staple standout Pepsi Co offers a broad portfolio of food and beverage Brands it's focus on expanding healthier product lines and consistent dividend increases aligned with a long-term growth oriented investment strategy number five ABV or abbv a biof pharmaceutical company known for its strong pipeline of drugs and commitment to research and development aby's robust dividend yield and potti potential for long-term growth through Innovation make it a match for Marx's criteria of investing in companies with a Competitive Edge number six 3M or mmm with its Diversified technology and a solid track record of innovation across various sectors 3M exemplifies a company with a strong mode its consistent dividend growth and resilience across economic conditions align with Marx's emphasis on quality and stability number seven Duke Energy or du as one of the largest electric power holding companies in the United States Duke Energy's focus on renewable energy and infrastructure investment positions it well for future growth its history of dividend payments supports Mark's preference for companies that can deliver consistent returns over time number eight Verizon communications or VZ in the telecommunication sector Verizon stands out for its extensive Network infrastructure and commitment to expanding its 5G capabilities the company's steady dividend payments and potential for growth in a digitally connected World resonate with Marx's investment approach to achieve a monthly income of $4,700 from dividends especially through the eight stocks inspired by Howard Marx's investment philosophy require strategic planning substantial investment and an understanding of the different methods to maximize dividend returns let's explore how to reach this goal the investment needed the time frame and compare the methods available let's take a closer look at the most straightforward way to make money through dividends which is by directly investing in individual stocks for our example we're focusing on the eight dividend stocks we talked about earlier we're going to assume that on average these stocks give us a 4% return every year just from dividends so here's how it works if you want to earn $4,700 every month from these dividends first you need to figure out how much money that is in a year multiplying 4700 by the 12 months in a year gives us $56,500 that's the total amount of money you'd want to get from your investments in one year now to find out how much money you need to invest to get that $56,500 a year with a 4% dividend yield you divide the yearly income you want by the yield percentage in simpler terms if you divide 56,500 by 4% it tells you that you need to invest about $1,410 th000 so to wrap it up if you're aiming to make $4,700 every month from dividends and the stocks you've chosen give you a 4% return on average you would need to invest approximately $1,410 th000 this calculation assumes that the dividend yield stays steady at 4% now let's talk about another way to grow your dividend income which is through dividend reinvestment plans often called drips drips are a fantastic tool because they automatically use the dividends you earn to buy more shares of the stock without you having to do a thing this means your investment can grow over time as you accumulate more shares and those additional shares will earn dividends too creating a Snowball Effect imagine you start with the same goal of making $4,700 every month from your Investments which adds up to $56,500 a year just like before if you're using drips the key difference is how your investment grows over time thanks to compounding that's when your earnings start earning their own earnings let's say you initially invest in those eight dividend stocks we discussed aiming for that 4% average yield but instead of taking those dividends as cash you enroll in drips over time as your dividends buy more shares your total number of shares increases this means you could potentially reach your income goal with a smaller initial investment compared to just collecting dividends because your investment base the total value of your shares is growing however calculating the exact amount needed with drips involves many variables like the rate of dividend growth and how often you reinvest your dividends but the principle is by reinvesting your dividends to buy more shares you're setting up a cycle where your inv investment could grow faster than if you were just collecting the dividends as cash so while it's hard to put a precise number on the initial investment needed without knowing specific growth rates the idea is that drips could lower the amount you need to start with to reach that goal of $6,400 the trade-off is time you're relying on the power of compounding which is most effective over long periods of time this means it might take several years to see the full benefit of using drips to boost your dividend income to the level you desire moving on to the third strategy for maximizing your dividend income let's explore the concept of covered call strategies this approach can significantly enhance the yield of your investment potentially making it easier to achieve your goal of $4,700 per month in dividends covered call strategies involve owning dividend paying stocks and then selling call options on those same stocks to generate additional income here's a simplified way to understand how this works and what it might mean for your investment when you sell a call option you're giving someone else the right to buy your stock at a predetermined price within a specific time frame in return for selling this option you receive a premium which is essentially extra cash in your pocket on top of the dividends the stock pays this premium adds to your overall yield increasing the total return on your investment let's apply this to our goal if employing covered call strategies can boost your overall yield to say 8% combining dividends and option premiums the math changes in your favor to earn $4,700 per month or $56,500 annually with an 8% yield you'd calculate the required investment like this instead of needing around $1.41 million at a 4% yield from the direct investment in dividend stocks you'd now divide your annual income goal of 56,500 by 8% this results in needing an investment of approximately $775,000 to achieve the same monthly income this is a significant reduction in required Capital thanks to the higher yield from incorporating covered call strategies however it's important to understand the trade-offs and risks involved while selling call options increases your income it also caps the potential upside of your stock if the Stock's price skyrockets beyond the strike price of the call option you might have to sell it at a predetermined price missing out on some gains additionally this strategy requires a more active management approach as you'll need to select and sell options regularly in comparison direct investment in individual stocks is the most straightforward approach but requires significant upfront investment 1.41 million out of 4% yield dividend reinvestment plans or drips leverage compounding to grow your investment but still necessitate a sizable initial outlay and time for the compounding effect to manifest significantly covered call strategies offer a path to higher yields potentially reducing the needed investment to about $75,000 for an 8% yield but come with limitations on potential stock gains and require active portfolio management your choice should align with your investment style risk tolerance and financial goals keeping in mind that achieving a substantial monthly income from dividends is a complex process that balances yield growth and risk and there you have it a road map inspired by Howard marks to potentially earn $4,700 a month through carefully selected dividend stocks we have studied his investment philosophy found stocks that meet his criteria and calculated how to reach your income goal now we turn the conversation over to you which of these strategies resonates most with your investment style are there dividend stocks you've had your eye on on that fit the marks mold share your thoughts and questions in the comments below let's continue to learn from each other and grow our portfolios together until next time keep investing smart and living well
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