Summary of 하락장에 살아남기 위해 배당투자자가 절대 하면 안되는 3가지(Feat.미국주식,SCHD)

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하락장에 살아남기 위해 배당투자자가 절대 하면 안되는 3가지(Feat.미국주식,SCHD) presents key strategies and insights for dividend investors to survive and thrive in a bear market, especially focusing on U.S. dividend growth stocks like SCHD.

Main Financial Strategies and Insights

1. Never Stop Buying During a bear market
   • Consistency is critical for dividend investors.
   • Bear markets increase dividend yields (e.g., SCHD’s yield rising from 3.5% to 4.1%), presenting an opportunity to buy stocks at cheaper prices while maintaining dividend growth.
   • Regular, split purchases lower the average purchase price and maximize dividend returns over time.
   • Investors should avoid hoarding cash out of fear, as bear markets are ideal for accumulating dividend stocks.
   • Stable exchange rates also support good timing for purchases.
2. Do Not Sell Your Holdings
   • The priority is to increase the quantity of dividend stocks, not to sell them when prices rise.
   • Selling stops the growth of cash flow from dividends.
   • Example: The presenter’s investment in ExxonMobil bought during the COVID-19 downturn has yielded a 191% return and a 9% dividend yield on cost, illustrating the power of holding through market cycles.
   • Dividend growth stocks rarely experience sharp declines in corporate value, so long-term holding is generally safer.
   • Selling should only occur if the company’s fundamentals deteriorate significantly.
   • dividend investing focuses on steady cash flow rather than capital gains.
3. Avoid FOMO (Fear of Missing Out)
   • Dividend investors should resist the temptation to chase growth stocks that are currently performing well.
   • Instead, use dividends received from dividend stocks to buy growth stocks when their prices fall.
   • Consistent, disciplined accumulation of dividend stocks is essential for long-term success.
   • The presenter shares personal progress, growing monthly dividends from a small initial amount to about 600,000 won per month, projecting substantial dividend income growth over decades through reinvestment and compounding.

Summary of the Methodology for dividend investing in a bear market

• Consistently buy dividend stocks regardless of market downturns.
• Hold dividend stocks long-term to benefit from dividend growth and compounding.
• Avoid selling unless company fundamentals worsen drastically.
• Resist FOMO and avoid switching prematurely to growth stocks; use dividends as a strategic tool to invest opportunistically.
• Reinvest dividends to accelerate portfolio growth and cash flow.

Presenter

• The video is presented by the YouTube channel Money Stage.

This video emphasizes patience, consistency, and discipline as the cornerstones of successful dividend investing, particularly during volatile or declining markets. It encourages viewing bear markets as opportunities rather than threats.

Category

Business and Finance

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