How much passive income will your shares pay — now and in 20 years?
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Dividend income = amount invested × dividend yield. A $100,000 portfolio yielding 3.5% pays $3,500 a year.
Reinvesting dividends buys more shares, and companies that raise dividends each year make your income grow faster still — so your yield on the original cost rises over time.
| Amount invested | 100000 |
| Dividend yield | 3.5% |
| Dividend growth a year | 5% |
| Share price growth a year | 4% |
| Years | 20 years |
| Reinvest dividends (DRIP)? | Yes |
| Extra investment each year | 0 |
| Tax on dividends | 0% |
| Currency | $ Dollar |
| Dividend income in year 1 | $3,500 ($292 a month) |
| Portfolio after 20 years | $452,371 |
| Yearly dividends by then | $19,173 |
| Total dividends received | $174,593 |
| Yield on original cost | 19.2% |
$19,173.
| Amount invested | 50000 |
| Dividend yield | 5% |
| Dividend growth a year | 5% |
| Share price growth a year | 4% |
| Years | 20 years |
| Reinvest dividends (DRIP)? | No |
| Extra investment each year | 0 |
| Tax on dividends | 0% |
| Currency | $ Dollar |
| Dividend income in year 1 | $2,500 ($208 a month) |
| Portfolio after 20 years | $109,556 |
| Yearly dividends by then | $6,633 |
| Total dividends received | $82,665 |
| Yield on original cost | 13.3% |
$2,500 ($208 a month).
About $343,000 at a 3.5% yield, or $240,000 at 5%.
Around 2–5% for established companies; very high yields can signal a risk of a cut.
A dividend reinvestment plan automatically uses dividends to buy more shares, compounding your holding.
Usually yes, at rates that depend on your country and account; tax-free accounts such as ISAs, Roth IRAs or TFSAs avoid it.