If you have questions feel free to ask below or in my posts.

I am also on Seeking Alpha. You can message me

My email is ydividend (at)


  1. Hello again. It's me Shane
    I have a question. What are your thoughts on PM stock? Especially now after the news about them going away from tobacco. Is it still a really good dividend stock to hold onto for the long run?

    In my portfolio I have only 10 stocks (MO, JNJ, V, PM, MA, ADP, T, VZ, PEP, KO) and a mutual fund (VWENX) Vanguard Wellington Fund. Admiral Shares. For now the VWENX is my core holding in my portfolio. Every month I put money in both my stocks and M/F. I want to eventually put more and more into my stocks.

    Anyhow as far as stocks go, I'm heavily weighted in MO, JNJ, V, PM, MA. I really like my MO (and everything I've read about). I only picked up PM because every time I read about MO, people always say long MO & PM. So I thought it good to have both. But I've always had reservations about PM because that deals with foreign markets. I like MO because it's American and it's a little more diversified.

    I want to add more to my MO, and because of talks about PM eventually moving away from tobacco, I was entertaining the idea of selling off my PM to move into MO.

    Any thoughts on the matter?

    Thanks again

    1. I doubt PM will stop selling smokes. The CEO's message was more of a propaganda to describe the future growth potential of IQOS.

      I prefer not to invest in funds and only stocks. Your stocks are high quality and fine. I would continue to hold MO and PM and would not do anything with PM. PM will experience headwinds temporarily due to the strengthening dollar. PM is where the growth is at, not so much MO. PM has the whole world to expand. MO is already saturated in the US and can only grow with margin expansion through efficiency improvements and price increase. Currency headwinds are temporary and fluctuate.


  2. Thank you, Young Dividend, for your post on SA. I am the fellow young dividend growth investor. I have just started the past 4 months. I really enjoy the charts you've made and it encourages me we are selecting the same companies and I see things have performed well for you. Will keep following throughout the year... Alexander

  3. Hello,I often read your blog .
    I'm 21 years old university student in Japan .
    I'm investing Altria much money in my portfolio too.
    By the way your net worth' s growth is very big!
    Is your salary very big?

  4. You have a great dividend portfolio blog. I am curious about your thoughts on Compass Minerals (ticker: CMP)?

    1. I haven't been following CMP. I am not a fan of materials type companies aside from my dividend aristocrat Air Products and Chemicals (APD). Materials are too cyclical for me and it makes me question the dividend coverage when the economy is bad.

  5. How did you put so much money in stock? I only make 40k a year

  6. Hi, what will you replace Bard with, now that they're being acquired by Becton Dickinson? Also, what would you recommend for a little more tilt towards growth? Thanks so much for your blog!

  7. I want to know your thoughts on Iron Mountain INC (Ticker : IRM)

  8. Hello, I currently use the Robinhood app and have a fairly similar strategy to yours, as in buying higher than average stable dividend companies with growth potential. My account is currently just under 10k and I was wondering if it's worth it to switch to a brokerage that offers a DRIP. So would paying for commissions be worth the DRIP? Also, for someone basically just starting this strategy what are some companies you would suggest starting with? Thanks!

  9. Hey there,

    I was poking around your site, reading all your great content, and I saw you had a resources page here:

    Believe it or not, I actually have a blog on this exact subject. Check it out, lots of great stuff:

    What do you think about adding me to your list?

    Talk soon!


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    What also sets us apart is that we're a "contributor owned" site and offer equity in the company to our Founding Contributors (you can learn more about this program here: We can monitor your site and repost your content for you - it would be no extra work on your end. And of course we would provide a related contributor profile, full attribution and even a direct linkback to the original posts on your site so that we absorb Google's duplicate content penalty and not you.

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    Please let us know if you'd be interested.

  11. Do you have your spreadsheets available for purchase?
    I have found your sheets and graphs are exactly what I would like as I am starting out
    Please advise
    Thank you

    1. Hello, the charts are not available for public use. I made them in Excel and you can create them too using basic Excel features (table, line graphs, pie chart, and treemap).

      For stock prices, I pull them from Google Finance in Google Docs. And copy paste those values from the Google Docs to my Excel spreadsheet every time I update it.

  12. Hi Y.D., pretty impressive work thus far.
    Can you please shed a light into what your usual cash additions are monthly/annually to put things into perspective? Thanks and keep it up, sir!

  13. Hi,

    I just found this blog. First of all, thanks a lot for sharing this in public. Just looking and reading some of the pages with the massive progress you made gives me a ton of motivation to follow your footsteps.

    I know you're working hard and are very busy, but I would really appreciate it if you would take out some time to to make a step-by-step guide on HOW your Due Diligence / selection process looks like such that a total noob can follow your steps/process and start investing him- or herself.
    A few days ago I was reading an investment book (pdf) online and got all excited until the last pages showed the results of the strategies that were shared in the first 99% of the book. The strategy being taught about was actually losing massively compared to S&P and other benchmarks. So, it is difficult to find solid strategies/processes for investing from reliable sources. This is why I'd highly appreciate learning your processes...

    Would you be willing to share YOUR way of analyzing stocks/industries, /re-investing, etc. Step-by-step.

    Kind regards.

    And thanks again for all the inspiring material you already shared. I feel very motivated thanks to your blog !!

    1. It will take a long time to explain everything. But the simple explanation is what would you look for if you were owning the business completely, and you were the owner. Things I look out for are the following:

      1) Consistency of the revenue, a growing revenue is preferred, which then allows me to look at how the earnings or cash flow are, is the spending under check, and is the earnings or cash flow able to pay the dividend safely. I like businesses that are high margin as high profitability gives it more wiggle room when things go bad.
      2) Is the business a good business that will be able to weather through bad periods. This is why I prefer more boring companies that are proven and been around a long time and have a proven model.
      3) Is the balance sheet high quality, will they be able to keep paying their obligations if things get very difficult.
      4) Look at their track record, the metrics are largely related to #1. How safe is the dividend, and how did they handle past recessions. How stable is the business and is it competitive, or is it a commodity.

      I do not like to own an index fund, since you own the gamut of businesses. Good one and bad ones. If I own a index fund I would probably sell at the low because I would be afraid as I don't know what I own. If I did my homework, and invest in businesses I understand, I will not sell at the lows due to fear, I would actually buy more.