Chris Invests - Dividend Investing & Passive Income

Investing in Dividend Stocks (9 Tips from Fund Managers)

It's a common mistake that new investors make when purchasing dividend stocks--buying based on yield alone. High dividend yields aren't always better. In fact, there are many cases when they're worse. What type of things should you be looking for when selecting individual dividend stocks? These tips are shared from successful mutual fund managers who build their portfolios based on dividends. It's demonstrated that it's quite simple for individuals to increase their returns and their passive income by choosing quality companies that share their profits.

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There’s a point where most people stop making real progress with money— it’s like hitting an invisible ceiling. The problem is, most don’t even realize it’s happening, or what they should be doing differently. And here’s the thing: it’s not because they’re lazy or don’t care — it’s because they’ve been following what they know, what feels safe and responsible and they’re missing the next step. It seems live everyone does this which means they’ll never be above average. The good news? Once you spot the mistake, the solution is simple — and you...

5 Retirement Planning Tips to Implement in 2020

Retirement planning Is something that should be thought about over your entire career and throughout each year. Many people make the mistake of preparing for retirement a year or two before they're ready to stop working but realize that don't have nearly enough money saved. What about your different types of retirement accounts and their tax benefits? Are your investments in line with your goals? Here are some tips that you can implement in 2020 that will help make the most of your retirement dollars.

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What’s the lowest amount you need to let compounding work? In other words, what’s the smallest pile of money you could invest today, walk away from, never add to again, and still retire comfortably decades from now? It’s a question almost everyone wonders about, but very few people actually break down with real numbers. Because once you run the math, the answer is both surprisingly achievable for many people—and eye-opening for everyone else.

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Growth Investing Explained (Growth vs Dividend/Value Investing)

Growth investing is a great way to maximize your return on investment and often outperforms dividend or value investing. However, there are pros and cons to each strategy so it helps to be in the know. This way, you can tailor your strategy to align with your goals. For example, dividend investing is fantastic for older investors and growth investing is usually better for younger people. Is capital appreciation better or is it better to build a portfolio designed to provide income? It's important to carefully analyze your situation...

There’s one thing that wealthy people do completely differently from middle-class and poor people, and it isn’t about how much money they have in the bank, how much they spend each month, or even the lifestyle they appear to lead. The difference runs much deeper than income or spending habits. It is a mindset, a way of seeing money and the role it plays in life that shapes every decision, every opportunity, and ultimately the path your life follows.

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Top Five Best Stocks/Funds to Buy and Hold Forever

Many people get caught up worrying about what their investments will look like a year or two down the road. Some people are scared to jump in or continue buying as the market is well into the longest bull market in history. Unless you're ready to retire, there's no need to worry about short term economic situations reducing the value of your investments. The markets have always recovered their losses and much more each time there's been a downturn. These choices are the best investments to buy...

Think the average American is sitting on serious wealth? Think again. Just because someone drives a nice car, shops frequently, or seems to effortlessly book $750-a-night hotel rooms on vacation doesn’t mean they’re financially secure. You’ve seen it with your friends, your coworkers, and all over social media — flashy lifestyles that look effortless. Instagram influencers make it look like everyone is building a fortune, and even in real life, your colleagues or neighbors might seem to live above their means. But the reality? Most households aren’t anywhere close to the kind of wealth that can sustain th...

Rental Property Investing (Invest in Real Estate in 2020?)

As we're well into the longest bull market in history, you might be wondering if now is a good time to deploy capital and purchase a rental property. While rental properties can be a fantastic investment, a sudden correction could leave you in the red for years. If you choose to wait for a drop, an opportunity might not come and your cash will be eaten away by inflation. Outlined are the reasons why you might want to consider buying now.

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Why is it that rich people often seem to thrive when the economy slows down? In fact, some investors prefer downturns over booms. When things are flying high, opportunities are plentiful but everyone is competing, prices are high, and risks feel visible. In a slowing economy, fear spreads like wildfire, uncertainty freezes ordinary people into inaction, and that’s exactly when the wealthy can act with confidence. While most people tighten their belts, cut back on spending, and stress over bills, investors with resources quietly seize opportunities others never even notice.

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Dividend Investing - Best Monthly Dividend Stocks/ETFs to Buy for 2020

Building a portfolio that generates monthly income can be important for those who rely on that money. Most dividend stocks and funds pay their shareholders on a quarterly basis but those payments can make it difficult to budget. Buying a product simply due to the fact that it pays monthly can be a mistake as there are many factors to take into consideration. These monthly dividend funds have been carefully selected to provide a combination of growth and income at a lost cost and the quarterly...

Have you ever noticed that some people just seem financially calm? They make decisions about money that feel almost effortless, and yet nothing about them would scream that they’re rich? There are some interesting signs that someone has an extremely high financial IQ that most people never notice. In fact, they’re completely counterintuitive to the typical person but explains a lot.

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Best Trade Jobs for 2020

A traditional college degree isn't right for everyone and if your plan is to retire early, it might not make sense to invest heavily into a career when there are in-demand alternatives. Many of these trade jobs require training but they are often much less expensive and accolades are quicker to achieve. Additionally, pay is often competitive and some fields provide the opportunity to run your own business with unlimited potential. Whatever you choose, make sure you research all reasonable option to make an educated decision.

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Most people think that hitting $100,000 in net worth is going to feel like crossing some dramatic finish line. You imagine yourself sprinting toward it, arms outstretched, maybe even hearing a mental fanfare in your head as you shout, “I’ve made it!” The reality, though, is quite different. For the majority of people, reaching that milestone is quiet. It’s subtle. Often, you don’t even notice it happening. And if you think about it, that makes perfect sense.

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Dividend Investing -- ETFs vs Individual Stocks

There are many different ways to invest for dividends in order to reach financial independence and retire. Should you purchase individual stocks or is it best to use a set it and forget it approach by purchasing an S&P500 or total stock market fund? With an unlimited number of options, it can be hard to determine what's best for your goals and risk tolerance. It's important to ensure your investments will be there for as long as needed while simultaneously providing reasonable returns.

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Scrolling online, you’ve probably come across one of those short interview videos where an interviewer asks a simple question: “How much is your car payment?” The answers come quickly and casually.
“$816.”
“$1,500.”
“$2,000.”
The numbers themselves are shocking at first glance, but what’s even more striking is how casual these answers are. There’s no hesitation, no visible embarrassment. In many clips, there’s even a laugh, as if the person answering understands the figure is absurd but also feels justified. The tone isn’t panic or regret—it’s acceptance. High payments have become normalized. This is simply how...

Dave Ramsey's 7 Baby Steps Explained

The Baby Steps, outlined in Financial Peace University and The Total Money Makeover, have helped countless people climb their way out of debt and begin saving and investing for the future. These steps outline how to get out of debt and build wealth. People in debt often feel overwhelmed and emotional with no idea on how to start improving their situation. Dave's steps outline exactly where to direct your money if you're buried under many different debts, unsure how to start. These steps have helped people in all different situations with all...

You know those people who hate spending money on just about anything? They skip the drink, pass on the appetizer, and order the cheapest thing on the menu when they go out to eat. They’ll hold onto an old phone, an old car, and old clothes for as long as possible, even when they have plenty of money to upgrade? Spending triggers discomfort almost immediately. They hang onto money like it’s oxygen. It’s like no matter how much money you make, how much you have invested or in savings, every little expense feels like a gut punch...

How to Become Financially Independent and Retire Early

Achieving early retirement isn't an insurmountable task like it once was. Gone are the days of company pensions and it's simply unrealistic to expect social security to be sufficient. But how can the average person earn enough passive income so that they're able to retire at a reasonably young age without having to wait until their 60s or 70s to retire and then hope they're healthy and prosperous enough to enjoy it? The fact is, early retirement is achievable with an average income and some dedication and it's really...

Dividend Investing for Cash Flow (Retiring on Dividends)

Many investors choose to invest primarily for cash flow and others ignore their cash flow entirely while mainly investing for capital gains. There are some major advantages to investing for dividends and cash flow in general. But what's so desirable about receiving dividends if you're simply reinvesting the profits? Surprisingly, there are multiple advantages to leaning more towards cash flowing assets instead of purchasing simply for capital appreciation.

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There’s something far more important than net worth and most people don’t realize it. If you find yourself checking your net worth a little too frequently to the point where it doesn’t seem to be growing, you’re not alone. For a lot of people, it becomes a scoreboard. You don’t even mean for it to happen—you just glance at the number, then mentally stack it against coworkers, friends, people you went to school with, or the highlight reels you see online. Numbers feel concrete. They feel honest. And they give the impression that they tell th...

Dividend Investing - Best Dividend Stocks/ETFs to Buy in 2020

Dividend investing is a common way to generate retirement income, and for good reason. Dividend payments are relatively stable through rough markets, perfect for retirees. There are some dividend investing mistakes that will most definitely leave you with money lost, so use caution with this investing strategy. I conducted extensive research to find dividend ETFs/Index Funds that provide reasonably high, safe yield for minimal cost and compiled them into this list.

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Best ETFs/Index Funds for Retirement Investing

There are many different ETFs and Index Funds offered by companies like Vanguard, iShares, SPDR, Fidelity etc. Some funds are geared towards growth, some towards income with a selection of them even paying monthly dividends. But, what are the purposes of each fund and which ones are right for your portfolio? It's important to be informed about the different investments so you can make the most money with the least amount of risk.

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There’s a type of language that keeps people stuck, and most don’t even realize they’re using it. It doesn’t sound extreme or obviously wrong. In fact, it sounds normal. It feels reasonable. Other people agree with it. That’s why it slips by unnoticed. But once you start paying attention to how it shows up in everyday thinking, you begin to understand why so many people stay in the same place for years.

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Dividend Investing (How to Retire on Dividends)

Investing for dividends is one of the best retirement plans. Possibly the easiest way to earn passive income, living off dividend payments during retirement while the principle of your investments continues to increase in value is very desirable. How can you get the most out of your dividend payments and what are the downsides? Can you lose money dividend investing? Of course there are some things to look out for. However, when done correctly, this investment/retirement strategy can be very lucrative.

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Have you ever noticed how financial progress feels dramatic at first, almost unmistakable, and then, without much warning, settles into something much quieter? In the beginning, the wins tend to be obvious and emotionally charged. You pay off a credit card charging twenty-two or twenty-five percent interest, and almost overnight, hundreds of dollars stop draining out of your life each month. Your cash flow improves immediately, your stress drops just as quickly, and the relief feels tangible because something that was actively working against you has finally been removed. Nothing scaled, nothing compounded, and nothing grew in a meaningful...

What are Annuities? (Annuities Explained)
You've likely heard of an annuity but perhaps you aren't sure what they are. Some people choose to use them for retirement income but should you invest in one or continue setting money aside in your IRA? These investment vehicles might work for some retirement investors but is it worth your money purchasing an annuity? Should you buy an annuity for retirement income?

Each of these videos is completely original--written, narrated and animated by myself.

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Most people assume net worth growth is something that naturally accelerates over time. You work longer, earn more, save more, invest more, and eventually the numbers should start doing the heavy lifting for you. That assumption feels reasonable. After all, net worth almost always rises as people get older. Careers advance. Mortgages get paid down. Retirement accounts receive steady contributions. Home prices rise. The story looks straightforward.
But when you stop asking whether net worth grows and start asking how fast it grows, the picture changes in ways most people don’t expect.

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What is Dollar Cost Averaging? (Dollar Cost Averaging Explained)
Perhaps the easiest investing strategy to employ and one that will lower your risk, dollar cost averaging is a great method for everyday investors. Many people are unaware that they already use this strategy in their 401k and individual retirement accounts. Don't panic and try to time the market when things are uncertain and then wait for things to recover after times of turmoil. Is dollar cost averaging better than lump sum investing? Use this strategy to ensure you're not sitting on the sidelines when others are making their...

Most retirement plans don’t fail in the way people expect. They don’t collapse overnight. There’s no dramatic moment where the money suddenly runs out and the plan is exposed as flawed. The ones that were planned very well by people who ran the numbers over and over again. The assumptions were reasonable. The numbers worked. The projections held up under stress tests. If you handed the spreadsheet to a professional, they’d probably nod and say it looked as good as it gets.

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I Will Teach You to be Rich by Ramit Sethi Summary
In this book, Ramit Sethi outlines the steps needed to go from in debt to financially independent. The method for building wealth is simpler than most people realize. With the proper mindset and some dedication, it's possible for nearly anyone to become rich.

Each of these videos is completely original--written, narrated and animated by myself.

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Most people think once they begin doing well financially, they’ll notice a clear shift. Like they won’t worry about money anymore, like spending will suddenly feel easy, like every decision will come with confidence instead of hesitation. They picture a version of life where money stops being a background process running in their head all the time. No second-guessing. No mental math. No quiet tension when they open an app or swipe a card.

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Best Fidelity Index Funds/ETFs for Retirement (2019)
Fidelity offers zero cost index funds and no minimum investment requirements for investors. Zero fee funds are something even rivals like Vanguard don't offer. Which index funds and ETFs are best for your investing and retirement strategy that could even provide you the ability to retire early or earn some more passive income?

Each of these videos is completely original--written, narrated and animated by myself.

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Most people would rather look wealthy than actually be wealthy. Drive through any suburban neighborhood, and it seems like success is everywhere — shiny SUVs in driveways, high-end headphones, designer clothes, tropical vacations. On the surface, it feels like everyone is thriving. But the reality is often very different. Far more people are focused on appearing rich than on actually building wealth. Behind the scenes, many struggle to make it through the month, juggling multiple bills, student loans, credit cards, and mortgages.

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The Little Book of Common Sense Investing by John Bogle Summary (Founder of Vanguard Index Funds)

John Bogle founded the low cost index funds and ETFs which were the best offerings for many years until other competitors flooded the market with low and zero cost funds. As the pioneer of index fund investing, Bogle makes some great points. He explains why index investing is the best strategy but why is that? In this summary, the main points of the Little Book of Common Sense Investing are outlined explaining why the low cost index fund is the best...

Most millionaires aren’t really millionaires. Well, at least not once you take out the value of their home. On paper, they look like they’ve made it—nice house, solid net worth–seven figures if you check the right box on a spreadsheet. But if you subtract their home equity, suddenly things look a lot different.

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How to Save Money on College Expenses
College is becoming increasingly expensive and many graduates are feeling the burden of excessive student loans when entering the job market. With so many ways to save money and cut college costs, there's really no reason to pay full price, other than the fact that most high school students aren't too concerned with their future debt and income situation. Use these money saving tips to reduce the amount spent on college so you or your children aren't strapped with student loans, hindering your future wealth building ability.

Each of...

Once you remove home equity, the average person’s net worth looks completely different. For most households, a home isn’t just a place to live. It becomes the largest asset they own which will more often than not lead to major problems. Mortgage payments act like forced savings, home values rise gradually, and before people realize it, a single asset begins to define what their net worth looks like on paper. Most people know housing matters, but few realize just how dominant it is in the typical balance sheet. That’s what we’re going to look at: how much...

How to Save Money on a Low Income
Learning how to save money on a low income can be difficult. When you're living paycheck to paycheck or worse, using debt to pay bills, the possibility of saving money seems far off. How are you ever going to plan for retirement or become financially independent if you're spending every cent you earn? There are some easy ways for low income earners to increase their savings rate. No matter how broke you may feel, chances are that it's possible to save money.

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You probably think that millionaires have to earn a big income, right? How else could someone have enough money to save and invest if they weren’t pulling in well into the six figures every year? It seems logical—and honestly, it’s kind of comforting—because it gives us an easy reason why most people never get there. But the truth is a lot more surprising. Anyone who says wealth is just about how much you make is either misinformed, buying into a stereotype, or looking for a convenient way to avoid taking responsibility for their own money choices...