How I invest on a $100 budget using Dividend Growth Investing and Robinhood

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This is how I invest on a $100 budget using my favorite method of investing called DGI. Dividend Growth Investing, I’m using the Robinhood app but this will work with your favorite brokerage app. I was able to build a small empire of employees that work 24/7, making me more income. My goal is simple, I want to invest enough money so that I’ll never run out of passive income for the rest of my life and I want to do that all before I hit the age of 35. Anyone can do this once they start, whether you’re on a budget or you’re not.

Just by owning stocks, you get paid. Simple. They literally deposit into your account for holding the stock and you don’t even have to sell it. Why do companies do this? Because they’ve run out of ideas on how to grow, if you gave them more of your hard earned income, they wouldn’t be able to make more with how much they already have. One one hand, that’s not good for growth because it means they won’t be releasing the new Tesla, but on other hand, it’s good because they’re stable, and they pay us a fixed income which is what I’m after.

You can go to dividend.com and check which companies pay said dividends by typing in their ticker symbol, or you can check in your favorite brokerage app, it’s the ones that have a dividend yield and a number next to them. The higher the yield, there more you earn. But there’s a catch, if you try to only look for high yield companies, you will more than likely end up losing money. I try to aim for 4% per YEAR, anything more than that is cool, but you should be cautious.

Side: In theory, companies can pay this dividend to us forever – without ever running out of money, as long as they are profitable which is how long I like to hold a stock anyway, forever – and I’ll show you my income from that in a moment. But unlike investing in a bond which guarantees to pay back investors money, a dividend is NOT a guarantee, the trade off is that dividends pay more money than bonds, but they come with a higher risk. That’s because dividends are paid at the sole discretion of the board of directors, meaning at any moment, they can stop paying us if they are not profitable. This recently happened to me in June with several companies including Wells Fargo because banks are hurting thanks in large part to zero % interest rates. Just recently, Jerome Powell and the federal reserve told banks not to raise their dividends or buy back their own shares meaning their stock prices shouldn’t be going up anytime soon until things get back to normal which means, if you believe that banks are going to be a big part of our future, they may represent a good value to consider buying.

Normally with dividend growth investing, I try to invest in stocks that are not only paying out dividends and growing them, but also stocks whose share prices are also increasing. I look for dividend increases, dividend payments, and stock growth. In contrast to growth stocks which is only price growth and that’s it. Now once the dividend is paid to us, the stock may fall by the same amount in price, which is usually what ends up happening, and it often times quickly recovers right back up. Sometimes, nothing happens to the price, and other times, the price goes up.

I purchased 3 stocks this past month of June. If you’re on a $100 budget, you can use something called fractional shares and pay as little as $1. Otherwise, I purchased SPHD, MDT, and PM. 50 shares of SPHD at $33.24 ($1,661.43). Love this one because it pays me dividends every single month,, But I also want to look at buying more VYM, lower yield, higher growth – worf it, which is Vanguard’s high yield dividend ETF. That gives me an extra $88.05 per year of income. I also purchased 20 shares of PM at $71.69 ($1,433.80). The third stock I purchased is Medtronic – 17 shares at $91.22 ($1,550.48), dividend safety score of 99, 43 years of consecutive dividend raises, payout ratio only at 65%.

All of these purchases will add $220.97 to my annual income. I started investing with only $100 at a time, and fractional shares will help you get started. Otherwise, I hope this journey has inspired you to start or continue your own journey to financial independence.

*Links above include affiliate commission or referrals. I’m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future….(read more)

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Investing doesn’t have to be reserved for the wealthy. With platforms like Robinhood, individuals can start investing with as little as $100. In this article, we will discuss how you can start investing with a small budget, specifically focusing on Robinhood dividends.

First of all, what are dividends? Dividends are payments that companies make to their shareholders, typically on a quarterly basis. These payments are a portion of the company’s profits and are a way for the company to reward their investors. Dividend investing is a popular strategy for those looking for a steady stream of passive income.

To start investing with a $100 budget on Robinhood, the first step is to open an account on the platform. Robinhood offers commission-free trading, making it an attractive option for beginners. Once you have signed up, you can fund your account with $100 or more.

Next, you will need to research dividend-paying stocks that fit within your budget. Look for companies that have a history of paying consistent dividends and have a track record of growth. Some popular dividend-paying stocks include Coca-Cola (KO), Johnson & Johnson (JNJ), and Procter & Gamble (PG).

After you have selected the stocks you want to invest in, you can purchase them on Robinhood. With just $100, you may only be able to purchase a partial share of some of these stocks. However, fractional shares make it possible to invest in high-priced stocks with a small budget.

Once you have purchased your dividend-paying stocks, you can sit back and wait for the dividends to roll in. Some companies pay dividends quarterly, while others pay on a monthly or annual basis. Reinvesting your dividends can help you grow your investment over time and take advantage of compound interest.

It’s important to remember that investing always carries some level of risk. Stock prices can fluctuate, and companies can cut or suspend their dividends. Diversifying your portfolio can help mitigate some of this risk. Additionally, it’s important to do your own research and not just rely on stock picks from others.

In conclusion, investing with a $100 budget on Robinhood dividends is possible and can be a great way to start building wealth over time. By choosing dividend-paying stocks and reinvesting your dividends, you can create a steady stream of passive income. Remember to do your research, diversify your portfolio, and stay invested for the long term. Happy investing!