I want $3000 a month in monthly dividends before I turn 40 – Will I regret not looking for higher growth stocks

1 week ago 6

John Seetoo

Wed, December 10, 2025 astatine 10:10 AM CST 6 min read

Concept of dividends. Dividend maturation oregon summation dividend. A dividend is simply a outgo made by a corp to its shareholders arsenic a organisation of profits. Saving money. Dividend tax.

Conventional investors successful the superior markets usually either prosecute superior appreciation done equities oregon income done bonds oregon fixed income securities. The fastest maturation oriented stocks are successful companies that reinvest revenues for further growth. On the different hand, bonds, preferred stocks, oregon REITs and akin securities are focused connected generating and paying retired regular dividends to their bondholders oregon shareholders.

Of course, the perfect script is 1 wherever an capitalist tin person their barroom and devour it excessively - maturation on with income. There are a fewer stocks that acceptable that bill, specified arsenic Verizon, but managing specified a portfolio’s volatility tin beryllium a afloat clip occupation. The different obstacle is to beryllium capable to physique a sizable capable main basal from which a cumulative dividend output commensurate with a monthly income that could supplement, oregon regenerate a monthly income if needed. Any benignant of output from investments implicit 5%-6% is usually not inactive connected a accelerated maturation track, truthful a strategy deploying immoderate benignant of compromise oregon operation strategy would beryllium needed. Also, the patience to physique up the main basal to propulsion disconnected this extremity is crucial, arsenic it entails moving 2 opposing methodologies concurrently.

JPMorgan Nasdaq Equity Premium Income ETF (JEPQ) yields 11.28% annually done covered telephone penning connected NASDAQ 100 holdings.
A 25-year-old capitalist plans to put $30 regular and $815 monthly into JEPQ to make $3,000 to $4,000 monthly income by property 40.
Schwab US Large-Cap Growth ETF (SCHG) and Invesco NASDAQ 100 ETF (QQQM) were recommended arsenic tax-efficient maturation complements to high-yield income strategies.
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A 25-year aged Reddit poster has a extremity of investing $30 per time into a precocious dividend ETF with the extremity of being capable to get a monthly $3,000 - $4,000 per period successful passive dividend income by property 40. He was seeking proposal regarding opinions connected his crippled plan, which included the following:

His program was to put $30 per time and $815 per period for the adjacent 15 years.
His ETF of prime is the JP Morgan Nasdaq Equity Premium Income ETF (NASDAQ: JEPQ).
Based purely connected mathematics astatine the clip erstwhile helium commenced successful 2023, his calculations forecasted that by 2038, the portfolio would turn astatine an yearly 6% complaint to $510,596 and would beryllium generating $4,152.85 per month.

The poster asked if the predictions were realistic, oregon they were a tube dream.