MINA UTDELNINGSAKTIER 2024 - Passiv inkomst från aktier?

Summary

In this video, Marcus Lindblad from SparaCash shares his experience with dividend stocks, highlighting his earnings of over SEK 80,000 since 2013. He discusses his current dividend portfolio, including stocks like Investment AB Spiltan and Avanza Bank, and provides insights on choosing and managing dividend stocks. Marcus also addresses common misconceptions, emphasizing the importance of company profitability and growth over high dividend yields. He concludes with tips for building a dividend portfolio and invites viewers to share their own dividend stock recommendations.

Takeaways

• 📈 The speaker has earned over SEK 80,000 in total from share dividends since starting with shares.
• 📚 Two years prior, the speaker made a video detailing their stock dividends, showing an increase of over SEK 30,000 in dividends earned since then.
• 💡 The speaker shares insights on dividend stocks for 2024, aiming to inspire viewers and share their personal views on the stocks.
• 🚫 The speaker clarifies misconceptions, noting that dividend stocks are not solely for retirees and can be part of a diverse investment strategy.
• 💼 Marcus Lindblad, the speaker, runs SparaCash with a focus on teaching about mutual funds and more.
• 📊 The speaker's dividend earnings have grown due to increased investments and the rise in dividends from the shares he owns.
• 🏦 The speaker discusses various dividend stocks in his portfolio, including Investment AB Spiltan, Svedbergs, and Betsson, highlighting their stability and potential for appreciation.
• 📈 The speaker emphasizes the importance of considering both dividend yield and share price development when investing in dividend stocks.
• 💰 The speaker answers questions from Instagram, touching on topics like the benefits of mixing funds and shares in a portfolio and the significance of dividend reinvestment.
• ⚠️ The speaker warns against focusing solely on high dividend yields, as they may not always indicate a good investment and can lead to a lack of price growth.

Q & A

How much has Marcus Lindblad earned in total from dividends since he started investing in shares?

Marcus Lindblad has earned a total of SEK 79,732 in dividends since he started investing in shares.

What was the increase in Marcus Lindblad's dividend earnings from two years ago?

The increase in Marcus Lindblad's dividend earnings from two years ago is over SEK 30,000.

What is the estimated dividend income for Marcus Lindblad in the current year?

Marcus Lindblad estimates that his dividend income for the current year will be a little more than SEK 13,500.

What is the significance of the 'interest on interest effect' mentioned by Marcus Lindblad?

The 'interest on interest effect' refers to the compounding effect where the reinvestment of dividends leads to an increase in the overall earnings over time.

Which dividend stock does Marcus Lindblad consider as a stable investment company?

Marcus Lindblad considers Investment AB Spiltan as a stable investment company.

What is the current dividend yield of Betsson according to Marcus Lindblad's portfolio?

Betsson has a current dividend yield of just over 7% in Marcus Lindblad's portfolio.

What is the potential future for Adtraction as a dividend stock according to Marcus Lindblad?

Adtraction is a growth company that has made a one-off distribution, and Marcus Lindblad sees potential for it to become a dividend stock in the future.

What is the dividend yield of Avanza Bank in Marcus Lindblad's portfolio?

Avanza Bank has a fairly high dividend yield in Marcus Lindblad's portfolio due to an increase in dividends this year.

Why did Marcus Lindblad choose to invest in Duni according to the video?

Marcus Lindblad chose to invest in Duni because it is a fairly stable cash cow with a nice dividend yield, although it may not be a high growth company.

What is the significance of Cibus being Sweden's first monthly distributor as a dividend stock?

Cibus, being Sweden's first monthly distributor, provides a unique dividend structure by paying dividends on a monthly basis, which Marcus Lindblad finds interesting.

What is the difference between common stocks and dividend stocks according to Marcus Lindblad?

The main difference between common stocks and dividend stocks is that common stocks reinvest profits for growth, while dividend stocks distribute a portion of their profits as dividends to shareholders.

What is the importance of reinvesting dividends in building a dividend portfolio as per Marcus Lindblad's advice?

Reinvesting dividends is important in building a dividend portfolio because it allows for compound growth over time, increasing the overall return on investment.

What is the significance of the 'x-day' in the context of dividends as explained by Marcus Lindblad?

The 'x-day' is significant because it is the day when the stock price typically drops by the amount of the dividend distributed, as the value of the company is reduced by the amount paid out as dividends.

Outlines

00:00

💹 Stock Dividends and Portfolio Insights

Marcus Lindblad, the host of SparaCash, shares his experience with stock dividends, highlighting that he has earned over SEK 80,000 since he started investing in shares. He reviews his dividend stocks for 2024, discussing his thoughts on each and offering advice on choosing dividend stocks. He also addresses common misconceptions about dividend stocks, such as their suitability only for retirees, and answers questions from his Instagram followers about topics like dividend yield, stock price fluctuations, and the importance of reinvesting dividends.

05:05

📈 Analysis of Dividend Stocks and Company Performance

In this segment, Marcus provides a detailed analysis of his dividend stocks, including Investment AB Spiltan, Svedbergs, Betsson, Adtraction, Lundbergs, Avanza Bank, Duni, and Cibus. He discusses their stability, potential for growth, and dividend yields. He also touches on the importance of considering both dividend growth and profit growth when building a dividend portfolio and warns against focusing solely on high dividend yields, which can sometimes be a trap.

10:10

💬 Q&A on Dividend Investing Strategies

Marcus answers a series of questions from his Instagram followers, covering various aspects of dividend investing. He discusses the possibility of mixing funds and shares in a portfolio, the significance of stock price development in relation to dividends, and the potential of companies like Evolution and Investor to become good dividend shares. He also addresses the concept of dividends being a zero-sum game, the difference between common and dividend stocks, and the importance of reinvesting dividends for long-term growth.

15:15

🌟 Final Thoughts on Dividend Investing

In the final part of the script, Marcus shares his closing thoughts on dividend investing. He emphasizes the importance of considering the total return on investment, including both stock price appreciation and dividends. He also advises investors to focus on the company's profitability and growth potential rather than just the dividend yield. Marcus concludes by encouraging viewers to learn from the video, seek out good dividend stocks, and look forward to the next video.

Keywords

💡Dividend Stocks

Dividend stocks refer to shares of companies that pay out a portion of their earnings to shareholders in the form of dividends. In the video, Marcus Lindblad discusses his experience with dividend stocks, highlighting that they are not just for retirees but can also be a part of a broader investment strategy. He mentions that he has earned a significant amount in dividends since he started investing, and he reviews various dividend stocks in his portfolio, emphasizing the importance of choosing stable companies that can grow their dividends over time.

💡Investment AB Spiltan

Investment AB Spiltan is a stable investment company that is part of Marcus Lindblad's portfolio. It is mentioned as an example of a dividend stock that owns a fund company and various other stocks. The company represents a type of investment that provides a steady stream of dividends, which is a key point in the video about the importance of diversifying investments and seeking stable dividend payers.

💡Dividend Yield

Dividend yield is a financial ratio that shows how much a company pays out in dividends each year relative to its stock price. Marcus discusses the dividend yield of several companies in his portfolio, such as Betsson, which has a yield of over 7%. The concept is important in the video as it helps investors understand the return they can expect from dividend-paying stocks and is a key factor in choosing dividend stocks.

💡Interest on Interest Effect

The interest on interest effect refers to the compounding of earnings, where reinvested dividends generate additional earnings over time. Marcus mentions this effect when discussing the growth of his dividend earnings, indicating that as he continues to own the shares, the effect will increase his total earnings. This concept is central to the video's theme of long-term investment growth through dividends.

💡Reinvestment

Reinvestment in the context of the video means using the dividends received from stocks to buy more shares of the same or different stocks. Marcus talks about his strategy of reinvesting dividends, which can lead to increased earnings over time due to the interest on interest effect. Reinvestment is a key strategy for growing a dividend portfolio and is a significant part of the video's message about building wealth through dividends.

💡Growth Company

A growth company is a business that is expanding rapidly, often reinvesting profits back into the company rather than paying out dividends. Marcus mentions Adtraction as a growth company that has made a one-off dividend distribution. The concept is relevant to the video's discussion on the different types of companies and investment strategies, highlighting that not all growth companies pay dividends but can still be valuable investments.

💡Cash Cow

A cash cow in business terms refers to a product or division that generates a steady flow of income with little to no additional investment. In the video, Duni is described as a 'fairly stable cash cow' due to its consistent dividend payments. The term is used to illustrate the reliability of certain dividend stocks as a source of regular income.

💡Real Estate Company

A real estate company is a business that focuses on property development, management, or investment. Cibus, mentioned in the video, is a real estate company that pays monthly dividends, which is unusual and makes it a point of interest. The discussion of Cibus serves to highlight the diversity within dividend stocks and the potential for different payout structures.

💡Zero Sum Game

The term 'zero sum game' in the video refers to the idea that dividends might not add value to an investment because the stock price drops by the amount of the dividend on the ex-dividend date. Marcus disagrees with this notion, arguing that dividends can be a valuable part of an investment strategy, especially when considering the potential for reinvestment and growth. This concept is part of the video's exploration of dividend investing myths and realities.

💡Investor

Investor is an investment company that Marcus has increased his holdings in over the past two years. He mentions receiving a significant dividend from Investor, indicating its value as a dividend stock. The company is used as an example in the video to discuss the potential for dividend growth and the importance of evaluating the overall performance and valuation of a company when considering it for a dividend portfolio.

Highlights

The speaker has earned over SEK 80,000 in total from share dividends since starting with shares.

A video was made two years prior discussing the earnings from stock dividends.

The video will discuss dividend stocks in 2024, providing inspiration and the speaker's opinions on them.

There are disadvantages to dividend stocks that will be discussed.

The speaker encourages following on Instagram for more content.

Dividend stocks are not only for retirees, contrary to a common misconception.

Since 2013, the speaker has earned SEK 79,732 in dividends, with an increase of over SEK 30,000 in two years.

The interest on interest effect from continued share ownership will increase dividends.

Last year, the speaker received SEK 12,812 in share dividends, with an estimated increase to over SEK 13,500 this year.

Dividends are a bonus for the speaker, who values share growth over dividend yield.

Investment AB Spiltan is one of the dividend stocks owned, a stable investment company.

Svedbergs, a company facing a tough period, is seen as a potential for long-term appreciation.

Betsson, with a 7% dividend yield, is a high-risk, low-valued company in the portfolio.

Adtraction, a growth company, may become a dividend stock in the future.

Lundbergs is a stable investment company with a fairly low direct yield.

Avanza Bank, not primarily owned for dividends, has increased its dividend yield significantly.

Duni, a company in the food packaging industry, has a nice dividend yield and is considered a stable cash cow.

Cibus, a real estate company, is Sweden's first monthly dividend distributor.

Evolution has a potential to become a good dividend share with a consistent dividend increase policy.

Investor is a stable investment company with a significant dividend increase in recent years.

The speaker answers questions from Instagram, including the dividends received by Lundberg and the mixing of funds and shares in a portfolio.

The importance of course development in relation to dividends is discussed.

Castellum's dividend policy is analyzed, including a pause in dividend distribution for debt repayment.

Dividends are not a zero-sum game; they can contribute to a company's long-term growth.

The difference between common and dividend stocks lies in the company's policy on profit distribution.

When building a dividend portfolio, focus on stable, profit-growing companies that may increase dividends over time.

The speaker's strategy for reinvesting dividends depends on market conditions and company performance.

On the ex-dividend date, the stock price typically drops by the dividend amount.

Share savers direct return funds, both A and B variants, are explained, with the B fund distributing money to the account.

Norwegian dividend companies are often in shipping and transport, with high dividend yields but volatile prices.

Dividend stocks are not exclusively for retirees; they can be part of a diversified investment strategy.

The total return, including price growth and dividends, is more important than a high continuous dividend.

When choosing dividend stocks, consider the company's profitability, growth potential, and sustainability of dividends.

A high dividend yield alone is not a reliable indicator for choosing dividend stocks; company stability is crucial.

Dividend stocks should be part of a balanced portfolio, not solely relied upon for returns.

Transcripts

I will have earned over SEK 80,000 in total from all my shares in pure share dividends since I started with shares.

Almost exactly two years ago, I made a video exactly like this where I went through how much money I make from stock dividends on my portfolio.

So in this video I'm going to go through all my dividend stocks that I have in 2024 to give you some inspiration but also to hear what I think about them.

I will also go through how you should think when choosing dividend stocks and that there are some disadvantages to them.

And then also answer your questions that you have asked on my Instagram, of course, and if you don't follow me there already, go in and follow.

I thought dividend stocks were only for retirees.

If you don't know who I am, my name is Marcus Lindblad and I run SparaCash with the goal of teaching you about mutual funds and much more.

So if we look overall, since 2013 I have now earned SEK 79,732 in dividends and as we saw in the previous video, two years ago I had earned SEK 44,535 in dividends.

So it is an increase of more than SEK 30,000 and it is a combination of the fact that I have invested more money but also that the shares have increased their dividends since I bought them.

And for every year if I continue to own these shares, the interest on interest effect will only increase.

So if we look at last year, I received just over SEK 12,812 in pure share dividends.

And this year, I estimate that it will be a little more than SEK 13,500.

And of course, I could have earned even more in pure share dividends if I had wanted to and perhaps chosen shares with a higher dividend.

But it's not that important to me. For me, it is just a bonus that the shares actually pay dividends.

And now I'm going to go into the various dividend stocks that I own for 2024.

So we start with the first share which is Investment AB Spiltan.

And it is a stable investment company that owns the fund company, which then has the Spiltan fund among other things.

But who also owns a lot of other stocks such as Paradox, Teqnion, Berkshire Hathaway and so on.

Share number two is Svedberg's. You've probably seen Svedberg's if you've been around, for example, the Bauhaus or something.

Or maybe you have a mirror or maybe a bathtub or a shower from Svedbergs, right?

And this is a fairly cheap, fairly low-valued company that is facing a pretty tough period now.

When there's like a recession in the world and stuff. This is how I see more of a potential for appreciation in the long term.

Next is Betsson which is a small watch post that I have a very small part of in the portfolio.

They currently have a dividend yield of just over 7%. And the same here as Swedberg's rather lowly valued but also rather high risk in the case.

So you can think then. So I'm lying quite quietly right now and watching over this and maybe I'll join in eventually.

That is, take a bigger position.

Adtraction is a growth company which is an affiliate network that I have owned for a few years now.

And it is just a small bonus that they have some extra cash left over which they will distribute now.

But they could potentially become a dividend stock going forward. But this is only a first one-off distribution then. So we'll see.

Lundbergs is an investment company here too. One of the most stable investment companies in my opinion, which owns a lot of unlisted properties.

But also owns a lot of industrial values ​​and other interesting stable qualitative companies as well.

Fairly low direct yield here too. But I'm not complaining about getting a little extra bang for the buck then.

I also own Avanza Bank. Nor do they own primarily for the dividend.

But they have raised the dividend quite a bit this year. So it lands on a fairly high dividend yield. So you don't say no to that either.

Here, I absolutely believe that when there is a boom and the stock market will do really well, Avanza will do well.

Next is Duni. Duni is napkins and food packaging and stuff like that.

Here I get a total of SEK 1,435. They have a pretty nice dividend yield too. A fairly stable cash cow.

But which also might not be the monster growth company. At least not lately. Then they have grown quite slowly actually.

Next up is a real super dispenser. Cibus. Here I receive roughly SEK 2,567 in dividends this year.

It has gone quite shaky. After all, it is a real estate company and it was Sweden's first monthly distributor. So they pay a monthly dividend.

Here I am hoping that the interest rates will come down. We now see after the latest report that it has gotten a pretty good push upwards.

Something I didn't expect. I would rather guess the opposite.

So we'll see how I feel about this stock. If I buy more or sell less. We'll see. I'm left with the possession anyway.

The next company, it's a company that's a bit fun. If you look at the last video I made two years ago. Then I talked a little about Evolution, that you don't own it for the sake of the dividend.

But here we actually see a nice potential to become a really good dividend share. Because Evolution has stable profit growth year after year.

And they have a policy of distributing a portion of their profits every year. This is actually how the dividend has been consistently raised for quite some time now.

And now the direct yield is a little over 2%, which is nice. And I get a full 3045 kroner from Evolution.

And the last and biggest dividend that I get this year is from Investor. Which I have increased quite a bit in the last two years.

And it's a stable investment company here too. But which I can think has been a little expensively valued. Sold at a fairly low material discount right now.

And I would have gladly filled up Investor if it had been traded around perhaps a 15-20% discount on substance.

But here I get a full 3340 kroner and Investor has also become such a great dividend increaser, which we like to see.

Those were my dividend stocks for this year. And now I'm going to answer some questions from Instagram.

Question number one.

How many millions will Lundberg receive in dividends?

So many.

Can you mix funds and shares in the same portfolio? Pros and cons of mixed?

Yes, but it is perfectly possible to mix funds and shares in the same portfolio.

An advantage to splitting it up could be that you want to be able to analyze and see how well my mutual funds are doing compared to how my stocks are doing.

So some usually have one ISK for shares and one ISK for funds. But I run everything at once. I can't bear to do that.

How much should you care about course development?

Yes, course development is of course always important. And what many people may forget is that you only look at how high the dividend is and then you ignore the price development.

But at Avanza and Nordnet, for example, you can actually see how much the share has gone when you have reinvested the dividend.

Because sometimes you look at a share that just goes flat like that, but then you might forget that there is a high dividend behind it.

But the course development is always important, regardless of whether it is a dividend or not, I think.

Castellum writes Knodda.

Yes, Castellum was on his way to becoming a real dividend aristocrat. They were on pace to raise 25 years in a row. They paused their dividend on the 25th year so hehehe.

But it's not that dangerous, I don't think. I think the more important thing is that the company is doing well.

So that they paused it to be able to pay down their debt, which they have done now and they have a fairly low loan-to-value ratio compared to other property companies, so that is positive.

What is meant by dividend being a zero sum game?

Some people think that dividends are irrelevant or that you should not have dividends because it is better that the money does better in the company simply.

So that it's a zero sum game, I don't really agree. Maybe in some companies, but it varies greatly from company to company.

What is the difference between common and dividend stocks?

Yes, that's a good question and it's a bit the same as the previous question then. That the most common difference between ordinary shares and dividend shares is that ordinary companies feel that the money belongs best in the company.

That you get a higher return simply. And what you do in dividend shares it is often that you may have a policy, the company has a policy that you should distribute 20% of the profit or 50% of the profit or so and yes it is simply a decision that you make in the limited company then.

So the big difference I would like to say is that with dividend shares you should not expect such high price growth, that the price goes up just as much because it is simply supplemented via the dividend.

That is probably the big difference.

Top X most important things to consider if starting to build a dividend portfolio?

Yes, but good question actually and the most important thing I would say is that you choose good companies, that you may not only look for stocks or dividend stocks that have a high dividend yield but that the companies are stable, increase their profit year after year and maybe increase the dividend year after year as well.

It is often the case that when you look for the extreme dividend stocks, you may not get as much price growth, but then it is like only the dividend that contributes to your return then, and I like a nice mix of them.

So look at the dividend growth but also profit growth and so they continue to grow the company so you have a chance to get more dividends after the years as well.

What percentage of your dividends are reinvested?

For the most part, I invest the majority of them, but it also depends a little on how the stock market is doing and how my companies are doing and so on.

Now, I've been a little cautious about reinvesting them because I've been a little worried that there's going to be a recoil down or something.

So it's simply different from time to time, but as a rule I always reinvest in the same shares back.

Does the stock always go down as much as the dividend and if so when? Dividend day, x-day?

Yes, on the x-day, that's when you have the right to receive the dividend. That's when the stock falls.

Because if a company is worth SEK 100 per share, you give SEK 5 as a dividend, then the company is worth SEK 5 less after they have separated then on the x-day.

So after the company has distributed or has the right to distribute SEK 5 per share, then the company is worth SEK 5 less and therefore the share will in theory go down SEK 5.

But sometimes this usually reinvests itself quite quickly afterwards.

How does the share savers direct return fund work?

Yes, there are two variants of it. After all, there is A and then there is the B fund.

The B fund distributes money, and it works just like a share that you have the fund in the account, but with the B fund, you receive the money in the account instead of it being reinvested in the fund.

So if you are someone who lives on dividends for example, that fund might be nice and then you might choose to either withdraw it and pay bills or something or you yourself might then choose to maybe reinvest in something else that you feel is more interesting at the moment or similar.

Talk about Norwegian dividends then, why don't more Swedes pay quarterly dividends?

I have very poor knowledge of Norwegian dividend companies, but I can imagine that many people are chasing these dividend shares in Norway, that is shipping.

Often these container companies or companies that work with shipping and transport, as they often have quite a large dividend because they distribute a lot of the profit and then they have a high dividend yield.

I'm not a big fan of those companies, unfortunately, because the price is very much driven by temporary profits and how high the dividend is then.

Many dividend hunters who chase these high dividend yields and if it is the case that the profit falls and the dividend falls, the price will also fall accordingly.

So therefore I avoid them.

I thought dividend stocks were only for retirees.

Yes, I agree with that to some extent.

To wrap up here then with what I said about disadvantages of dividend shares, it is the case that sometimes it can be the case that a price is driven by how high the dividend is.

Like Sibus in this case, I think it went up quite a bit on its report because it kept its dividend and for the reason that a lot of people have bought Sibus precisely because they have a monthly dividend.

And the disadvantage then with dividend shares is that many shareholders may be driven by wanting a high dividend.

Then I think that the total return is more important in the long term.

That is, how much the rate goes up plus how much you get in dividends rather than receiving a high and continuous dividend.

Castellum for example, I liked it before and said it was the best dividend stock in Sweden and so on.

But just because they withdrew their dividend, it wasn't worse for the company, it was just better at that moment.

And then it's more like this, yes it's fine for me that they remove their dividend because you make the company more long-term, stable, sustainable and so on.

So what you should consider when choosing dividend stocks, keep in mind that the company is profitable, that is, they make a profit.

Keep in mind that ideally, we want to see the company grow so that they can continue to maintain their dividend and even then raise it in the long term.

Don't buy stocks just because they have a high dividend yield because that can also be a common trap.

Some companies show a high dividend yield just because you may have distributed a company before.

There is thus no certainty that they will continue to have such a high dividend yield in the future.

If you have a dividend yield of perhaps 50%, then there won't be much value left in the company either.

And the share will also fall by a lot later on as well.

And what I've learned then with my dividend stocks is that you should never trust that just because a company has distributed 20 years in a row, it will continue.

After all, there are quite a few American dividend stocks that have distributed it perhaps 40-50 years in a row and there it is perhaps more likely that they will actually continue to do so.

But even there, we see that the direct yield is not, like, north of 5-10%, but then it is at a stable 1-3%.

So the dividends are not everything, I don't think, to build returns in the long term, but it can be a nice little bonus at the edge of your portfolio.

So I hope you learned something from this video and please give it a thumbs up if you did and leave a comment if you have any tips on good dividend stocks.

And then I wish you a fantastic good evening and see you in the next video.

Have fun, yay!

Good evening, maybe you check this in the morning or something, I don't know, I don't know man!