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찰리 멍거가 선호한 장기 보유용 배당주 7종(코스트코, US Bancorp, Jefferies, Kroger, Home Depot, Visa, Lowe's)을 소개하고, 가상의 투자자 Peter가 1만 달러를 투자할 경우 배당 재투자 시 10~30년 후 자산가치를 시뮬레이션한다. 배당수익률·배당성장률·주가상승률 가정치를 근거로 제시하나 실제 예측 발언이 아닌 과거 수치 기반 가정 계산이다.
다듬은 글
the whole secret of investment is to find places where it is safe and wise not to diversify were the words of legendary investor Charlie Munger who despite dying only a few months ago at the age of 99 will live long in the hearts of investors never to be forgotten by the sands of time but speaking of time can we all admit that it's the ultimate ingredient in Building Wealth over Time Investments have the potential for exponential growth as returns can be reinvested compounding the initial investment and guess what you don't even need to brainstorm or read thousands of Articles and expert analysis to have a sixf figure generating portfolio guys compounding is super easy all you need to make things take is patience and finding the best dividend stocks to hold on to and how do we do this by looking Beyond a Stock's yield and choosing those with the most durability that is why today we'll be bringing you seven of the best Charlie Munger dividend stocks that you can buy and hold forever using our imaginary investor friend Peter will show you how you can use these seven dividend stocks to become wealthy investors with an initial investment of $10,000 but wait up because there's more half of these stocks will make you Millionaires and one of them will pay you well over $115,000 in dividends every month so trust us you don't want to miss it that said before we delve into Charlie munger's 7 buy and hold forever investment how about we first discuss the man behind them Charles Charlie Munger Munger a longtime resident of Pasadena California is famous for his successful partnership with Warren Buffett at birkshire Hathaway together they transform the company into a well-oiled $800 billion machine but while Mr Buffett often took the Lion's Share of the appraisal the truth is that he wouldn't be the man he is today without Monger in fact when discussing Monger in an interview the oracle of Omaha once remarked he actually hit me over the head with a 2x4 from the idea of buying very Soo companies at very cheap prices knowing that there was some small profit and looking for really wonderful businesses that we could buy at fair prices and guys that's what munger's all about at the heart of all of his investment ideas whether for his own portfolio or for that of birkshire haway was value investing he held only a handful of stocks in his personal Investment Portfolio but but boy was he committed to those he did his stock showed long-term growth and were paid in dividends a perfect Symphony that besses his belief that the big money was not in buying and selling but buying and waiting so on that note it's a great pleasure to introduce seven of the best dividend stocks to buy and hold forever starting with Costco one of Charlie munger's favorite stocks in a shareholder meeting he once described the firm as a perfect company with a marvelous future and a wonderful culture running run by wonderful people Munger substantial stake in Costco mirrored his admiration for the stock holding the second largest individual position in the company until it's passing but what we find most impressive is that like his investment strategy monger's rationale for Costco's strength and durability focused on its value he believed that from a value standpoint Costco's expansion into e-commerce post a threat to online retail Juggernaut Amazon although he didn't live to see Costco grow to become the biggest e-commerce Giant on the planet it is hands down one of the best in companies to invest in from a dividend perspective Costco paid $48 per share in the past year and has a current dividend yield of 0.56% but that's not all it's backed by strong dividend growth of 13.47% so assuming the average stock price increase is around 3.5% a $10,000 investment in Costco will leave Peter with $1,300 97 in a year but here's where things get interesting if he keeps investing those dividends and letting things compound he'll have an excess of $155,000 in 10 years and more than double in 20 by the time he holds it for 30 years his initial $10,000 investment will have become $135,200 wait till you find out the other six stocks on our list with even greater dividend yields to start take for instance US Bank war with the ticket symbol USB this prominent holder in Monger portfolio boasts assets worth $660 billion as the parent entity of US Bank National Association it is ranked fifth Among Us Banks as evidenced by its robust performance metrics sporting a dividend yield of 4.53% annual returns of 8.6% and compounded growth of 8.11% USB emphasizes dividends over capital appreciation and is a firm pick for anyone's long-term portfolio crunching the numbers Peter will earn just shy of the $10,500 Mark at the end of his first year before growing to over $20,000 in his first decade and in 20 years it'll grow to $71,500 paying him $1,384 in dividends every every year and roughly $865 every month without even moving a muscle but hey give it 10 more years and that same income generating portfolio will reach a projected valuation of $746,000 while Peter receives $1 190,220 in annual dividends or $15,856 every month is this magic certainly not it's all about patience and picking well at number three we have jeffy's Financial Group with the ticker symbol JF but before we talk about how much Peter will earn from his $110,000 investment permit us to reiterate that the future outlook is a critical part of stock buying especially if you're an investor looking for growth in your portfolio that's where this company shines the most they've been able to sustain an exceptional record of paying dividends with little fluctuation with a current dividend yield of 2.97 % supported by a robust 10-year dividend growth of 11.93% and an average annual stock price increase of 4.84% it's hardly any surprise why Warren Buffett bought thousands of shares not so long ago but that's water under the bridge if Peter invests $10,000 into this stock he'll see a return totaling $1,781 in his first year $23,000 in his 10th year and over $80,000 in 20 years but guess what in 30 years his initial $110,000 investment will grow to $539,000 429 with an annual dividend income of $923 32 or $7,695 per month the fourth stock that you need to seriously consider getting right now is Kroger with the ticker symbol KR but before you raise your eyebrows in utter shock you might want to sit back and get the reason for doing so you see apart from being one of Charlie munger's favorite stocks of all time as a seasoned investor who once owned 1.6 million shares of the company in his own portfolio Kroger also has a pretty strong dividend growth of 13.59% over the past decade and to address that it also has a yield of 2.5% and an annual return of 8.76% why you may ask well that's easy Kroger is a well-seasoned profit Prof itable company that never fails to give customers the much needed quality and value we all desire but hey if that wasn't already exciting enough it's also in the process of merging with Albertson's a major grocery chain aiming to expand its National presence and bolster its Omni Channel offerings the merger is anticipated to be finalized by mid 2024 pending regulatory clearance and meeting other requirements nevertheless let's crunch those numbers once again based on the 2.5 % dividend yield and its 13.5% growth yield subjected to an annual return of 8.76% if Peter invests $10,000 into this stock after one year his investment will grow to $1,130 and $3,861 in 10 years after 20 years it will reach $2,793 with an annual dividend of $6,150 and finally holding it for 30 years his $10,000 investment will grow substantially to $537,475 per month amazing isn't it and it only gets better from here because the following stock on our list is a dream for passive income investors with good potential to make you a Millionaire Next up at number five we have Home Depot with HD as its ticker symbol guys Home Depot is the biggest Home Improvement retailer in the world offering a wide range of products and services for homeowners contractors and professionals but what's more intriguing is the fact that Charlie Munger genuinely believed that this company had a strong competitive advantage in the home impr proven industry and also had an exceedingly long runway for growth when seeking a stock for long-term investment a crucial trait to consider is competitive Advantage which is the fun Al Factor enabling a business to outperform its competitors Home Depot exemplifies this quality as its product range poses significant barriers to entry for potential competitors this Advantage has facilitated Home Depot's impressive Revenue growth averaging a compound annual rate of 7.7% over the past decade crucially operating income surged from 9.2 billion to $4 billion from 2014 to 2023 this robust plus business performance of Home Depot has facilitated substantial payouts boasting a dividend yield of 2.41% for an annual return of 15.55% and dividend growth reaching 18.28% for investors focused on dividends profitability is Paramount as sustained dividends rely on profitable operations over the long term adding to the appeal is the fact that the company increased its annual dividend share from $156 to $760 from 2014 to 2023 this means that if you had purchased this stock in 2014 your dividend per share would have increased almost fivefold so here lies the million-dollar question how much will Peter earn from Home Depot based on all these salivating talking points if Peter invests $10,000 into this stock after one year his portfolio will be valued at $1,796 after 10 years the same portfolio will be valued at $ 53,8 73 more than five times its original value in 20 years it'll be valued at $38,900 paying an annual dividend of $1,366 and around $863 per month but boy will these numbers soar through the roof in another 10 years if Peter holds on to this stock for 30 whole years his investment will be worth an excess of 1.9 million million paying him around $84,700 in annual dividends or in excess of $7,000 each month greatly satisfying both growth and dividends this stock will add up to $1.9 million to Peter's portfolio and if you think this is unbelievable just wait till you hear our last pick it'll make Peter a multi-millionaire but before that let's talk about the next company on our list which is Visa a Payment Processing Company that is gain much appraisal from both Charlie merer and longtime partner Warren Buffett it's really quite a business and you know we love the fact we own it that said before we talk about how much Peter can make from this stock let's address why it is such a good company in the first place apart from the fact that Visa allows credit card transactions to go smoothly on its platform it also takes money on fees each time customers make use of their services and guess what millions of transactions take place every single SLE minute just imagine how much money they can make in a day last year Visa generated $17.9 billion in free cash flow and of that amount $3.2 billion was distributed to shareholders through dividends while 11.6 billion was allocated for share BuyBacks the board then initiated a 122 billion stock repurchase program and committed to a quarterly dividend of 45 cents per share with ample room for dividend growth Visa stands to benefit from the ongoing shift towards electronic payment methods leveraging its dominant position and scale for continued free cash flow expansion music to the ears of its investors at the moment Visa is still paying a big chunk of its free cash flow to shareholders through share repurchases Visa returns a huge percentage of its free cash flow to shareholders but it primarily does so through share repurchases so that's why it boasts annual Capital returns of 16.76% % accompanied by a dividend yield of 8% and a compounded growth of 18.33% so as expected if Peter squeezes out $10,000 to invest in Visa how much is he going to make in dividends well in one year he'll make around $1,756 in 10 it'll be $50,605 n, n49 but while that's impressive the 30-year Benchmark is even more Peter's initial investment with reinvested dividend compounding will have his portfolio valued at $1.3 million paying him a staggering annual dividend of $1 14,474 and an excess of $11,200 per month that's still way off the threshold of our best pick though have you guessed what it is yet the ultimate company on the list perhaps surprisingly it's Lowe's with a ticker symbol l guys L's was among Charlie monger's personal favorites for a couple of reasons to start with it's got an unbeatable presence in the Home Improvement sector thanks to its huge network of stores which the company uses to sell all kinds of DIY tools for the home secondly since 1963 this stock has maintained a consistent dividend payout record Distributing dividends every quarter plus it has also increased its dividend every year since 1963 and if that wasn't enough already just like our previous stock the company is also planning to repurchase shares meaning its stock price will likely go crazy very soon for now though it currently provides a dividend yield of 1.98% backed by its strong 10-year dividend growth of 20.25% and an average annual share price appreciation of 16.35% So based on the aformentioned juicy metrics Peter will see himself earn up to 11,00 833 from his initial investment of $10,000 over the next 10 years his initial investment is projected to grow to a value of $55,200 39,99 paying an annual dividend of $1,532 despite his excitement he refrains from selling his stocks and waits another 10 years in 30 years his investment is expected to shoot up to $2.3 million paying an annual dividend of $116,500 or monthly dividends of $978
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