MAX OUT the Roth IRA with Dividend Stocks or Index Funds? (2021)

by | Aug 6, 2022 | Roth IRA | 28 comments

MAX OUT the Roth IRA with Dividend Stocks or Index Funds? (2021)




In this video we are talking about Roth IRA Accounts, but more specifically we are talking about Dividend Stocks vs. Index Funds vs. Dividend ETF’s. We are going to compare my 19 dividend stock portfolio against Fidelity’s S&P 500 index fund FXAIX cs. Schwab’s U.S. Dividend Equity ETF SCHD. We are using the actual price compound annual growth rate and the actual dividend compound annual growth rate to model a possible future 20 years and what these investments will accomplish.

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28 Comments

  1. Kenny Quach

    Hey, I am subscribed and been watching you for quite some time. I just had a question about my Roth IRA account on Fidelity. I have invested $500 in FXAIX in the Roth IRA and not sure if I am supposed to do anything with the dividends that is returned from that? It seems like Fidelity is automatically re-investing the returns, not sure if that is supposed to be the case.

  2. Chris Davis

    Do you have to max out the Roth Ira every year?

  3. Eli

    Suscribed. Love all your cash flow dividend videos

  4. Andy

    I subscribed

  5. Elden Wolf Lord

    All the index funds i own pay out dividends. So i dont get the title.

  6. Tom Ginther

    This is a great, informative video that is hard to come across. Thank you for that! I will say, the sound effects when transitioning the screen do become a little bit too distracting as it is every three or four seconds

  7. Titan

    I just think that a Roth IRA is a waste if you can use it when you're 65 plus years old. What if you have a dangerous job where you can die every day, such as a police officer? Then Roth IRA taxes you when you put money in? Am I right? That's what I've heard. Personally, I wouldn't even pay taxes because the Rothchild's end up getting all your tax money and they use it for more war and spreading more diseases.

  8. tom osborne

    Great context. Love it! From Laguna Beach California. Shortly moving to St. George Utah.

  9. Officially_Loco

    Subscribed. Question. Can I throw it all in one dividend stock? RYLD gives about 23 cent average a month in dividends.

  10. Slick Willy

    Do reinvested dividends Count Toward Your IRA Limit? I have 50k in a Roth IRA and contribute my max 7k a year into this account.
    Would it make sense to sell all my growth ETFs for QYLD so that I could reinvest the dividends as well as my 7k?

  11. Chris A.

    After weighing all my options I've decided to go with some good growth funds for my Roth IRA, contribute the maximum per year to that, then put the rest towards a dividend portfolio in my brokerage account for short term supplemental income. Call me dumb but I don't want to wait until I'm drooling on myself in a nursing home before I start seeing some returns on my investments.

  12. luis D

    Just subbed

  13. dknisle1

    Dividends in my Roth and growth in my investment. Since the Roth is capped at 6k a year. Why limit my contribution to growth.

  14. @SHAWNP582

    I subscribed

  15. Shae K

    It seems almost impossible to find a video that explains how to grow your Roth IRA, in detail, in steps for beginners but the knowledge presented in this video is a great head start

  16. Contactings

    subscribed,, great video. this is exactly what I was looking for, currently 17 going to open up a TFSA(canadian Roth Ira) and was wondering on the best roi for dividends vs indexes

  17. Anubhav jain

    Hi, you make great videos. Could you pls do a excle sheet comparion for QYLD vs QYLG vs QQQ
    It would he great help.

  18. racerx6

    Great information! Thank you for taking the time to do the research.

  19. Nick L

    Just relaxing watching this as it's about time to add money

  20. Catherine

    I subscribed!
    Joe would you recommend with putting the FXAIX and the Schwab US equity dividend ETF in your Roth IRA or would you pick one alone? Just curious if they would help boost each other or if it’s not worth the expense ratios for both in the same account?

  21. TBowser

    Could you extend the time frame out to 25 and 30 years with everything else held the same?

  22. Jack Conley

    You can do with less shoosh sound

  23. 1989Charlieee

    I Subscribed! I am currently maxing out my roth 401k (19,500) and HSA (3500) with index funds and etfs. Im thinking of having my 6000 a year in my roth ira be dividend etf and dividend stocks and reits to Diversity. What is your take on this strategy Joe?

  24. Balino

    I subscribed and thank you for your knowledge!!!

  25. dragon slayer

    What if we dont max out our Roth IRA every year??

  26. Chris Anderson

    I find the biggest benefit of creating a dividend producing machine in a roth… it allows you to go over the 6000 dollar limit. Dividends don't count towards the limit. So you can really grow a Roth with Dividends that you couldn't otherwise

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