These High Yield Dividends Are Tax Free
Summary
TLDREn este video de Patreon, se exploran inversiones en dividendos de alto rendimiento y más eficientes fiscalmente. Se discuten acciones individuales con dividendos calificados, como Altria, que ofrecen un rendimiento del dividendo del 8.2%, y sectores como la energía, con compañías como ONEOK y Chevron. También se mencionan fondos cerrados que ofrecen dividendos clasificados como ganancias de capital a largo plazo, y se sugiere investigar fondos municipales específicos del estado para mayor eficiencia fiscal. Finalmente, se anima a los espectadores a conectarse en Patreon para obtener actualizaciones y conversar con otros inversionistas de renta.
Takeaways
- 📈 La idea de buscar inversiones de dividendos más altos fuera de una cuenta de jubilación es popular, pero los impuestos son un desafío.
- 💼 Se aconseja buscar asesoramiento de un profesional fiscal antes de tomar decisiones sobre estrategias fiscales.
- 🏦 Dividendos clasificados como 'qualified' están sujetos a tasas más bajas de impuestos que los 'non-qualified', lo que puede ahorrar en tributos.
- 📉 Las inversiones en dividendos 'qualified' a menudo ofrecen rendimientos más bajos en comparación con los 'non-qualified'.
- 🚬 Altria (Mo) es una empresa que ofrece un dividendo bien cubierto y en crecimiento, con un rendimiento del 8.2% y clasificado como 'qualified'.
- ⛽ El sector energético es una fuente de dividendos 'qualified' con buenas opciones de inversión, como Oneok (OK), Chevron y Exxon.
- 💹 TR Price (TR) es otra empresa que ofrece un rendimiento de dividendos alto y es un dividend aristocrat.
- 💼 Fondos cerrados ofrecen dividendos que pueden clasificarse como ganancias de capital a largo plazo, lo que es más eficiente fiscalmente.
- 📉 Los fondos cerrados pueden tener ratios de gastos altos debido a la actividad de compra y venta de las acciones en el fondo.
- 🏦 Fondos municipales cerrados pueden ofrecer dividendos exentos de impuestos federales y estatales, dependiendo del estado de residencia del inversionista.
- 🌐 Existen dos compañías principales que emiten fondos municipales específicos por estado: Pimco y Naveen, con rendimientos alrededor del 4-5%.
Q & A
¿Qué tipo de inversiones se discuten en el video de Patreon solicitado?
-El video discute inversiones que ofrecen dividendos más altos y son más eficientes fiscalmente, incluyendo acciones individuales, sector energético, fondos cerrados y municipales.
¿Por qué los dividendos calificados son importantes desde una perspectiva fiscal?
-Los dividendos calificados son importantes porque están clasificados en una tasa de impuesto más baja que los dividendos no calificados, lo que puede ahorrar una buena cantidad en impuestos.
¿Cuál es el desventaja de las inversiones que pagan dividendos calificados?
-La desventaja de las inversiones que pagan dividendos calificados es que ofrecen rendimientos significativamente más bajos en comparación con las inversiones que pagan dividendos no calificados.
¿Qué compañía menciona el video como ejemplo de una acción que paga un dividendo bien cubierto y en crecimiento?
-El video menciona a Altria (ticker Mo) como un ejemplo de una compañía que paga un dividendo bien cubierto y en crecimiento, con un rendimiento del dividendo del 8.2%.
¿Qué sector se destaca en el video como proveedor de dividendos calificados?
-El sector energético se destaca en el video como proveedor de dividendos calificados, con empresas como Oneok (ticker OK) y Chevron y Exxon, que son Aristócratas de dividendos.
¿Qué son los fondos cerrados y cómo afectan los dividendos de los mismos a la tasación fiscal?
-Los fondos cerrados son fondos que ofrecen dividendos que son clasificados como ganancias capitales a largo plazo, lo que los hace más eficientes fiscalmente que los dividendos clasificados como ganancias a corto plazo o ingresos.
¿Por qué los fondos cerrados pueden tener ratios de gastos altos?
-Los fondos cerrados pueden tener ratios de gastos altos debido a la actividad constante de compra y venta de los administradores de fondos, lo que requiere una mayor gestión y, por lo tanto, costos operativos.
¿Qué son las municipales y cómo pueden ser ventajosas desde una perspectiva fiscal para los inversores?
-Las municipales son bonos emitidos por entidades gubernamentales y son exentos de impuestos federales y estatales. Los fondos municipales pueden ser ventajosos fiscalmente ya que los dividendos que pagan pueden ser exentos de impuestos o tener una tasación fiscal más baja.
¿Cómo se pueden determinar si los dividendos de una acción o ETF son calificados o no calificados?
-Se pueden determinar si los dividendos son calificados o no calificados revisando el formulario 1099-DIV en la sección de relaciones con inversores del sitio web de la empresa, o buscando en dividend.com para acciones, y leyendo el prospecto para ETFs o fondos cerrados.
¿Por qué es importante consultar con un especialista en impuestos antes de tomar decisiones sobre estrategias fiscales de inversiones?
-Es importante consultar con un especialista en impuestos para entender completamente las implicaciones fiscales de las decisiones de inversión y para asegurarse de que se estén cumpliendo todas las regulaciones fiscales aplicables.
¿Cuál es el rendimiento máximo que se menciona en el video para las inversiones con dividendos con beneficios fiscales?
-El rendimiento máximo mencionado en el video para las inversiones con dividendos con beneficios fiscales es de aproximadamente el 7% a 8%.
Outlines
💰 Inversiones de dividendos con rendimientos altos y eficientes fiscalmente
Este primer párrafo aborda la búsqueda de inversiones que ofrezcan dividendos altos y sean eficientes fiscalmente, lo cual es atractivo para quienes desean acceder a dividendos sin esperar a una cuenta de jubilación. Se menciona la importancia de la clasificación de dividendos como 'qualified' o 'non-qualified' y cómo esto afecta la tasa de impuesto. A pesar de que los dividendos 'qualified' suelen tener un rendimiento menor, hay excepciones como la empresa Altria (Mo), que ofrece un dividendo del 8.2% y ha aumentado su dividendo 58 veces en 54 años. También se discuten las opciones dentro del sector energético, como Oneok (OK), Chevron y Exxon, que son conocidos como 'dividend Aristocrats' por su historial de crecimiento de dividendos a lo largo del tiempo.
📊 Fondos cerrados y ETFs con dividendos fiscalmente ventajosos
El segundo párrafo se enfoca en los fondos cerrados y ETFs que ofrecen dividendos clasificados como ganancias de capital a largo plazo, lo que resulta en una tasa de impuesto más eficiente. Se destaca que estos fondos pueden tener ratios de comisión altos debido a la actividad de compra y venta por parte de los gestores de fondos. También se menciona la posibilidad de que los dividendos de estos fondos sean completamente exentos de impuestos, dependiendo de la clasificación fiscal de las ganancias de capital. Además, se exploran las opciones de fondos municipales, que pueden ofrecer rendimientos más bajos pero son una opción para aquellos que buscan mayor eficiencia fiscal en sus inversiones de dividendos.
Mindmap
Keywords
💡Dividendos
💡Rentabilidad tributaria
💡Acciones cualificadas
💡Sector energético
💡Dividendos no cualificados
💡Fondos cerrados
💡Ganancias de capital a largo plazo
💡Ratio de comisiones
💡Fondos municipales
💡Dividendos mensuales
💡Dividendos tributariamente ventajosos
Highlights
Exploring higher-yielding, tax-efficient dividend investments outside of retirement accounts.
Qualified dividends are taxed at a lower rate than non-qualified dividends, potentially saving on taxes.
Qualified dividend-paying investments typically offer lower yields compared to non-qualified ones.
Altria (ticker: MO) has a high and growing dividend yield of over 8%, qualified for tax efficiency.
The energy sector, including companies like ONEOK (ticker: OK), offers good qualified dividend yields with growth.
Chevron and Exxon, as dividend Aristocrats, provide solid investments with higher dividend yields.
T. Rowe Price (ticker: TR) is a high-yielding dividend Aristocrat with a healthy financial outlook.
Closed-end funds offer dividends classified as long-term capital gains, which are more tax-efficient.
High expense ratios are common in tax-advantaged funds due to active management.
Eaton Vance offers tax-advantaged ETFs targeting US equities and global companies.
Municipal closed-end funds hold tax-exempt securities and can provide tax efficiency.
Pimco and Naveen are major fund companies issuing state-specific municipal closed-end funds.
State-specific funds may offer tax-free dividends depending on the state of residence.
Municipal funds can be interest rate sensitive and are currently discounted due to high rates.
There are no tax-advantaged dividend investments yielding over 9-10%, with 7-8% being the upper limit.
The video concludes with an invitation to join Patreon for updates and interaction with high-yield dividend investors.
Transcripts
in this patreon requested video we're
going to take a look at some higher
yielding dividend Investments that are
more tax efficient because a lot of
people I understand like the idea of
pursuing higher dividend paying
Investments outside of a retirement
account so they can access the dividends
earlier in life but the taxes are always
the biggest downside to doing this so
today we're going to look at some
options that exist that still offer
higher than average dividend yields and
come with either lower tax rates or even
tax-free distributions and just to throw
this out there I'm not a tax expert and
you should seek a tax professional
before making any decision when it comes
to Tax Strategies we'll start by looking
at some individual stocks that offer
qualified dividends when you receive
dividends from the typical stock or ETF
the money you get is either classified
as qualified or
non-qualified sometimes non-qualified
Dividends are also referred to as
ordinary income which is because these
Dividends are taxed at your current
income tax rate qualified dividends on
the other hand are taxed at a lower tax
rate than non-qualified dividends which
can save you a good amount on your taxes
the downside to qualified dividend
paying Investments is that they offer
significantly lower yields if we compare
popular qualified dividend stocks with
non-qualified dividend Investments
you'll notice that although you are
going to be saving money on taxes you're
not really earning that much in
dividends stocks like Sherwin Williams
Colgate and Proctor and Gamble only
yield around 1 to 3% on average and as
of two months ago the average yield of
an S&P 500 stock was only
1.35% but there are a handful of options
that do exist that do offer higher than
average yields than this despite a
challenging environment one company
that's still paying a very well covered
and growing dividend is Altria ticker Mo
the stock has grown its dividend 58
times in the last 54 years which
includes a sizable 4.3% increase last
August this company's main products
include cigarettes and other tobacco
products but they have been branching
out into wine and pot and other
categories in the last few years so far
they haven't made anything that's been
able to compare in popularity to their
cigarettes but given this company's
financials they still have the power to
keep sustaining their dividend for many
years in the future and with a dividend
yield of over 82% that's also qualified
it's hard to beat a dividend paying
stock like alry in this area one sector
that does pay good qualified dividends
would be the energy sector and there's a
few companies out there that are
offering decent yields with good growth
for example one Oak ticker OK is a
company that engages in the Gathering
processing storage and transportation of
natural gas in the United States
this company owns natural gas Gathering
pipelines and processing plants in the
Mid-Continental and rocky mountain
regions the stock currently yields
around 5% and although they haven't
increased it every year they haven't cut
their dividend in over 25 years you can
see their share price at times has
fluctuated pretty severely due to Energy
prices which is something that's going
to be normal in this sector but this
company has continued to do very well
two other energy companies with higher
than average yields and long-term track
records of dividend growth would include
both Chevron and Exxon both companies
are dividend Aristocrats and are both
pretty solid Investments although I do
prefer Chevron for its better dividend
growth and higher dividend yield another
stock that I've never mentioned that is
offering a higher yield and appears to
be pretty healthy for the time being is
tro price ticker
TR this company is also a dividend
Aristocrat and is currently one of the
highest yielding Aristocrats out there
Switching gears now there are some
closed end funds that offer dividends
that are more tax-friendly and that
they're classified as long-term capital
gains within this field there are a
number of different funds out there that
have their own unique strategy so you
want to do your own research when you
come across one that sounds interesting
a lot of these funds will hold a
majority or only dividend paying
Investments both common and preferred
stocks and what happens is the fund
managers will regularly sell Holdings in
these funds to cover the dividends and
the dividends will be classified ideally
as long-term capital gains dividends
that are from long-term capital gains
are taxed more efficiently than
dividends that are classified as
short-term capital gains or in come some
more good news is that these funds can't
offer yields of over 7% or higher and
they typically do pay monthly dividends
these brackets are from last year so the
amounts are going to be different this
year but you can see that if the
dividends paid by these CFS are
classified as long-term capital gains
that means a lot of your Dividends are
actually going to be taxfree from these
funds that follow this strategy the bad
news is that because there's so much
activity with these fund managers buying
and selling in the funds that they do
typically charge very high expense
ratios for example the John Hancock
taxed Advantage dividend Income Fund
ticker htd charges a 4.24% expense ratio
another bad thing is that their
dividends typically move with the market
this ETF for example holds utilities
which are still largely down this both
negatively affects its share price and
the dividends can vary depending on the
market however it might be worth
considering one of these ETFs if you're
okay with a high expense ratio if they
pay a high monthly dividend and it saves
you a lot in taxes I personally could
see that as a worthy consideration for
someone another company by the name of
eaten Vance also has a lot of these tax
advantaged ETFs with funds that Target
us equities and global companies like I
said though each of these have their own
unique strategies in terms of what they
invest in and the kind of tax strategy
that they have so do your research
before considering one of these
Investments some that are worthy of
consideration would be EtG which is the
eaten Vance tax advantage Global
dividend income ETF EVT the edance tax
advantage dividend in fund and also htd
which we looked at earlier These funds
offer yields around 7 to 8% and they all
pay monthly dividends I should probably
take this time to answer the question
I'm sure a lot of people are asking
which is how do you know the dividend
tax treatment of a stock or an ETF with
a stock you can either try to find a
1099 div form on the investor relations
section of their website if you can't
find one you can also go to dividend.com
and look up a dividend stock if you
scroll down under payout history it'll
show if a dividend is qualified or not
for an ETF or a closed end fund you want
to read the perspectus to see if
investors can expect the dividends to be
qualified or ordinary income another
option that exists depending on which
state you live in are municipal closed
end funds these Investments hold
Securities that are exempt from federal
and state income taxes such as schools
and utility mun bonds because these
bonds don't typically offer attractive
yields they usually employ a lot of
Leverage but fortunately these are
municipals which aren't risk-free but
they're very low risk compared to other
Investments While most of these
Investments don't see a lot of share
price action they are interest rate
sensitive and many of them are still
heavily discounted with interest rates
being so high there's two major fund
companies that issue these State
specific mun CFS which are Pimco and
Naveen as I mentioned earlier they don't
have funds for every state Pimco
currently has only two State specific
funds which are for California and New
York naen on the other hand has nine
State funds including a fund for Arizona
Massachusetts New York and a couple more
according to to their website These
funds typically yield around 4 to 5% on
the low end which isn't great but it
might be worth considering if you are
looking for more tax efficiency in your
dividend portfolio they do pay monthly
dividends which is also a huge plus if
there isn't a fund that exists for your
specific State you might have another
option although I would recommend
talking to a tax specialist before
making an investment these fund
companies do have broader Municipal
funds that hold munis from a lot of
different states it's possible you might
get a portion of the dividends taxfree
depending on how much of the funds
Holdings come from your state for
example with the navine select taxfree
income portfolio some of this fund is
made up of Idaho munis so it's possible
you won't have to pay taxes on the
percentage of your dividends that come
from Idaho munies if you're an Idaho
I've personally never done this myself
so I would suggest talking to a tax
specialist before considering this and
that's going to wrap up our look at some
of the most popular tax-friendly
investment types for income investors
there are some one-off company stocks
that have more tax advantage dividends
but I only wanted to cover the broader
categories in this video sadly there are
no tax advantage dividend paying
Investments to my knowledge that yield
over 9 or 10% right around 7 to maybe 8%
is around as high as it comes for a tax
advantaged ETF unless someday a
company's able to introduce something
but with that being said that's going to
conclude today's video if you'd like to
connect and also see what's inside my
own personal dividend portfolio then
feel free to check me out over on our
patreon where you'll receive updates and
be able to talk to me and other higher
yielding dividend and income investors
but with that being said thank you all
so much for watching today's video and
until next time take care
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