About Me

Welcome to Young Dividend!

Hobbies: Food, music, gardening, photography
Occupation: I am work in management for a tech company
Age: Late 20s
Goal: $1,000,000 in assets by age 31-33
Favorite company: Altria (MO)
Favorite pet? Golden retriever

My investing activity actually began all the way back in 2009 when I was in university. I didn't invest much in 2009 since I didn't make much money, I just put what I can in index funds from my part time job. I got my first real job at the end of 2013, and my dividend growth philosophy did not go into full swing until early 2014. I have been blogging my investment progress and my stock picks ever since.

I had no debts but I also had zero assets after I used everything I had for my relocation in 2013, so I effectively started with a clean slate. I went to public schools for my undergraduate and graduate programs and studied electrical engineering and computer science. I worked while taking labs and lectures in school, and since public schools are much cheaper than private I was debt free when I got my diploma from graduate school.

I initially bought index funds since I had zero idea what I was doing. I eventually wanted more control in my investments so I did my own research. I read about many investing styles such as index funds, active funds, precious metals, bonds, high leverage real estate, active trading, and dividend growth investing. I eventually decided that dividend growth investing fits my goals and style best. The income generating philosophy clicked with me and it is something I believe I can understand and follow with a level of consistency.

I work in the tech industry in Silicon Valley. I started as an entry level engineer right out of school and worked my way up through the years. I work now in management for a tech company. The area pays well for those with technical or engineering backgrounds, but the living costs are extremely high. I do save a large majority of my take home income. I would say I invest much more heavily than the average person so my goals will likely not be normal for everybody. Putting growth targets aside, I hope that readers can still find value in the investing strategy and personal finance philosophy I live by and discuss on this blog.

I have received no inheritance or financial handouts. The journey will be done solo through money earned from my vocation, investing decisions, and financial research. The portfolio's only contribution source is money of my own. My goal is to hit $1,000,000 by the time I am 31 to 33.

Follow me in my journey to financial independence. I will document my investing decisions on this blog so that both mistakes and gains can be learned from.

Disclaimer: This site and the site owner will not be held liable for any financial damages that may occur to the reader. All readers should exercise due diligence before purchasing equities. Information and opinions posted on this site are of my own and it is up to the reader to guarantee the accuracy of all claims. I am not paid or sponsored by any organization to post material on this website. I am not a financial advisor. I am merely an engineer who publishes what he is doing with his personal finances.


  1. Glad to see another young person starting their journey. With a $0 net worth you've got a lot of work ahead to reach $1M by 35 but I'm fairly confident that you will. Having $0 on the liabilities side makes that $0 net worth a lot easier to get moving toward your goal. Looking forward to following along.

  2. YG,

    I wish I had started at your age, especially since your FI dates are around the corner for me. You have a pretty nice portfolio and are heading in the right direction, keep up the good work.

    Also funny so many of us are in the engineering and science fields. Clearly we find common ground in that compound interest is the 8th wonder of the world.

    - Gremlin

  3. Now into 2016 and you seem to be well on your way to that $1million! Keep up the great work Young Dividends. Congrats for finding this lifestyle so early in life. My wife and I have been on this road for about 3 years and you are already at the same level we are. Pretty remarkable stuff. We are now in our late 20's and I kick myself every day for not starting sooner.

    Keep up the great work!


  4. Wow keep up the great work and I truly believe that you will reach 1 million before the age of 32! I started investing in dividends in October 2015 and today I'm 33 years old. I wished that I knew about dividend investing in my mid 20's as well and I admire you for starting early. Keep up the great work!

  5. $1mil by 32 is incredible! I don't think I'll reach that much but you've got a great jump on getting there! Looking forward to following your journey!

  6. Very cool YD.

    I like that you are doing this with no hand-outs.

    1 million by 32-35 is very possible with focus and a positive outlook.


  7. Great scheme and stocks. I am 67 and have been dividend investing since 1985 (well before the internet). We now live off my dividend stream, and other income streams. My one piece of advice: stick to your plan through the highs and lows. Your plan will carry you into the future.

    1. Hi Locutus D'Borg my name in Antonio and i live in italy(rome); i have a question for you: at now how much is your monthly amount of net dividend flow? many thanks at all!!!

  8. I can totally relate to your story YD. Similar to you, I was lucky enough to realise the power of compounding at the early age of 23. I have been stuffing money into my portfolio for close to 2 years now and can see the dividends starting to roll in.

  9. Just curious. When you started out investing in stocks, how many stocks did you actually start out with? I'm struggling to figure out what's a "good" number of stocks to have in my portfolio. I go back and forth, I need less or I need more. In your opinion, is there a "magic" number of dividend stocks to own to be successful?

    Thanks again

    1. I started with 10 stocks. I had $20k to start.
      If you have $20k that's $2k for each starting position. You then grow into $3k and $4k for a full position. Over time you will see $10k become a full position, and then $20k and so on.

      Only buy Core companies in the beginning. You want stable dividend aristocrats with solid fundamentals and consistent earnings and dividend increases year after year no matter if it's a economic boom or bust. Work on speculative or high flyers after you have built your foundation in core positions.

    2. Cool. That makes sense. Thanks!

  10. Very interesting and inspiring goals.
    Keep on the good work and investments !

  11. This is an impressive site. It sets a great example for fellow investors, although few will be able to accumulate at this rate. It's quite amazing you are still in your 20s. Few young people have such a mature outlook on money handling.
    The portfolio page is really terrific looking. Can you tell me what programs are used to create those images?
    Thanks, and continued good luck

    1. Thanks for stopping by. I use Excel 2016 to make the table and the graphs. And then copy paste them to MS Paint to save them as pictures to post on the site.

  12. Hey man! Congrats! I've been reading a lot of text on dividend investing and follow a few blogs of dividend investors. I have 60K in my 401k sitting on the sidelines as of 2 weeks ago when I pulled out of these "expensive" funds my 401k plan was auto investing in. How would you spread out 60K in today's market? Looking for a starting point but it seems like everything is expensive.

    1. Since my time horizon is out in the decades I do not care if the market is at a high or low. My view is that it will certainly be even higher in the future since the US economy is productive. I want to lock in continuous income as quickly as possible so I would deploy all that $60k at once the next day.

      I would buy dividend aristocrats first with over 25 years of dividend increases. I would focus only on core positions and defensive names for your first 60k, which will be companies in the consumer staples, healthcare, and utilities companies. Take a look at David Fish's excel spreadsheet of Dividend Champions and pick names that are the highest quality.