What Is a Dividend and How Do They Work?
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The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.
Dividends are regular profit-sharing payments made between a company and its investors.
A company's board of directors determines the price per share, when and how often dividend payments are made.
Dividend stocks can provide a stream of income.
Evaluate dividend stock opportunities by their dividend per share, dividend yield and dividend payout ratio.
Dividend definition
Dividends are payments a company makes to share profits with its stockholders. They’re one of the ways investors can earn a regular return from investing in stocks.
Dividends can be paid out in cash, or they can come in the form of additional shares. This type of dividend is known as a stock dividend.
Dividend yield is the company’s annual dividend divided by the stock price on a certain date. Investors use the dividend yield to be able to accurately compare dividend stocks. Dividend payout ratios are also an important measure that tell you how much of a company’s income is put towards dividends versus reinvesting in the company.
But not all stocks pay dividends. If you are interested in investing for dividends, you will want to specifically choose dividend stocks. Companies that increase their dividend payments year after year are usually less volatile than the broader market. And the steady income from dividends can help smooth out a stock’s total return.
» Need a brokerage account? Check out our picks for the best online brokerages for dividend investing
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- The best hotel program of 2024
- When to purchase travel insurance
- 10 questions to ask financial advisors
- Why invest in private equity?
- Running the numbers
- Clear’s bag drop service
- Avianca carry-on bag policy
- 1. Your personal characteristics
- Original Medicare
- Use tools to track prices and apply coupons
- How much is YouTube Music?
- Types of funds
- Why does your EFC matter?
- Student loan interest deduction form
- Tips for sharing renters insurance with a roommate
- Credit cards earn easy rewards
- 2. Set financial priorities
- Types of gold stocks
- Savings accounts with strong APYs can help your money grow
- Cons of joint bank accounts
- 2. Ensure you meet credit history qualifications
- What is a Roth IRA account?
- Remitly transfer methods and options
- Tax credits for people married filing jointly
- Qualifying for a USDA-guaranteed mortgage
- What are the Roth IRA rules for withdrawals?
- 3. Get the right Medicare plan
- 3. Some financing plans charge a ‘promotional fee’
- PMI calculator help
- Margin accounts
- Financial institutions with early direct deposit
- Manufactured vs. modular homes
- Types of second mortgages
- How much rent can you afford?
- Episode transcript
- How to estimate car insurance costs
- 3. Get smart about money
- Use a credit utilization calculator
- What happened in March 2023?
- 4. Open a high-yield savings account
- How to buy a bank-owned home
- How much does Babbel for Business cost?
- Why buy long-term care insurance?
- Repayment terms may be interest-only
- Consolidating private student loans
- Flight cancellations
- Best life insurance companies: Pros and cons
- 2. Rebalance your debts and income
- How to use average car interest rates
- Checks from big-box stores
- When will I get my 2024 tax refund?
- How to shop for homeowners insurance
- Issuer pre-qualification pages
- 5 best business internet service providers
- 3. How much are you willing to pay in upfront costs?
- You might not qualify for the student loan interest deduction
- Types of tax transcripts
- Maximize your down payment
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- What causes interest to capitalize on student loans?
- How to negotiate lower bills
- 2. Make a larger down payment
- 3. Good credit? You have better options
- If you have at least $5,000 in your 401(k)
- Benefits of an Insured Cash Sweep account
- For people with Medicare
- Pros and cons of a lady bird deed
- Why financial goals matter
- Average cost of tires
- How can I elevate my credit score to buy a home?
- 5. Buy the Sunday paper (for coupons)
- Compare prices and check reviews
- How much do Uber drivers make per hour?
- What you need for a Bahamas cruise
- 3. Deposit cash in a linked ATM
- What are the shareholder requirements for QSBS?
- What kind of accounts and investments are available?
- How credit scores affect monthly car payments
- Is annual renewable term life right for you?
- Dividend vs. growth stocks
- Requirements: Who qualifies for the child tax credit?
- When are state income tax returns due?
- 3. ‘My lease is up next week.’
- Basic stock chart terms to know
- Can you negotiate mortgage origination fees?
- Buy: Halloween gear
- Does interest accrue during the grace period?
- Mega backdoor Roth 2024
- Are Vanguard index funds a good investment?
- 3. Paying for hotel nights isn’t the only way to earn rewards
- Two kinds of reverse mortgages
- Restaurant tipping in Spain
- How do REITs work?
- Will I get an ABN if I have Medicare Advantage?
- A full list of Capital One's transfer partners
- 5. Automate your accounts to meet your goals
- 2. Take advantage of car insurance discounts
- 2. Afterpay
- Overall cost
- Use a budget planner
- When is whole life insurance worth it?
- Credit cards
- Cheapest Hilton hotels in Las Vegas
- 5. Play a game outside
- Challenges in the way
- 3. High-yield money market accounts (MMAs)
- Joann
- Things to consider when using Zelle
- 3. Choose an affordable school
- Mortgage selection tips
- What do private transportation services cost?
- How to get a DUNS number
- 4 ways to avoid overdraft fees
- What does a second opinion cost, and does insurance cover it?
- Title insurance
- What’s the difference between single-entry and double-entry accounting?
- Medicare Supplement Plan N pros and cons
- Where to find corporate lending
- Sign up for autopay
- TransUnion credit freeze by postal mail
- Negotiate a lower credit card APR
- 4. Search a coupon database or app
- What is mortgage preapproval?
- How to make biweekly student loan payments
- Why are gas prices going up?
- FIND Experiences
- 21 most-shorted stocks by short interest
- When not to choose a multicurrency account
- Rewards summary
- March
- Inflation is the wild card
- 3. Determine other ownership costs
- Do I have to do anything?
- What Medigap Plan G covers
- Who has to pay self-employment tax?
- Best car insurance in New Jersey for your budget: Geico
- 4. There are no rewards or other benefits
- Chase Secure Banking℠: $100 bonus
- The bottom line
- Check back on your account
- Find the best life insurers
- What are AI stocks?
- Create a money-making strategy
- Bank of America vs. Chase: Basic checking accounts
- What to include in an executive summary
- What should you consider?
- How your credit score affects your rate
- Does Medicare cover radiation therapy?
- Transportation
- B
- Rideshare insurance for delivery app drivers
- Saving a little at a time
- How interest accrues on subsidized and unsubsidized loans
- 4. Get down payment assistance for a home
- Do SBA loans require collateral?
- How much are Chase Ultimate Rewards® points worth?
- Do I have to pay Georgia state income tax?
- How much of your income should go toward a mortgage?
- Content restrictions
- Pay off MBA student loans fast
- When you need to contact all bureaus vs. just one
- You’re OK with only redeeming for hotel stays
- 4. Oahu instead of Maui
- Kaiser Permanente Medicare star ratings
- ESG investing benefits
- The Blue Sky from American Express®: Pitfalls and other possibilities
- 3. Automate what you can
- How can you change your cash advance limit?
- 4. Sell stuff online
- Best whole life insurance policies for 2024
- 3. A character meal
- The bear put spread
- Medicare Part A (hospital insurance)
- 2. Anticipate airport absurdity
- 2. Air France/KLM award flights to Europe from 12,000 Virgin points
- United canceled flight compensation: travel credits and miles
- What does umbrella insurance cover?
- Get a secured credit card
- Frugal entertainment tips
- Joint bank accounts and marriage
- All year
- Types of municipal bonds
- 3. Consolidate or refinance the debt
- 3. Delta Sky Club (Terminal 3)
- Consider full coverage
- How to apply for an employer identification number
- 4. Ask questions
- 3. Renters insurance can pay for housing after a disaster
- Use the right gas credit card
- How much does a cashier’s check cost?
- Cash App
- 4. Establish multiple streams of income
- Average daily balance
- Best car insurance companies: Our winners
- 5. Use your credit card benefits
- 2. The difference between tax deductions and tax credits
- Potential issues with having multiple credit cards
- Travel credit card availability
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- 3. Baggage screening
- What kinds of ABNs are out there?
- Do personal credit scores affect business credit scores?
- 6. Streamline your bank accounts
- Avoid credit bureaus' products
- Benefits for veterans
- Backdoor Roth IRA rules
- When is the best time to use United miles?
- Cons of a condo vs. a house
- How to get cheap personal checks
- 2024 tax refund schedule
- Startup loans you may be able to get with an EIN only
- Deducting Medicare premiums if you’re self-employed
- 6. Volunteer
- How to calculate your net worth
- How far in advance should I get preapproved for a mortgage?
- The bottom line
- How to apply for a VA home loan
- Where do lottery prizes come from?
- Protective life insurance rates
- 2. Empower: Best for fast cash
- How you can use loan-to-value
- 2. Decide how much to invest
- How to become a virtual assistant
- Other student loan forgiveness programs
- 529 plans by state
- Drawbacks of an Insured Cash Sweep account
- Are there affordable transportation alternatives?
- When should I close my credit card?
- 4. Open the mobile deposit function in your bank app
- When to pick the JetBlue Plus Card
- 2. Buy the right insurance coverage
- 6. Avoid online grocery shopping
- 5. Visit retailer websites and apps
- What happens if you don’t tip?
- 2. Which AmEx cards include trip cancellation insurance?
- Types of credit cards
- 4. Load cash on a reloadable prepaid debit card
- Do you include a 401(k) in a net worth calculation?
- How a savings account works: withdrawal limits
- How are dividends paid out?
- How does a Roth IRA work?
- Capital One Venture Rewards Credit Card
- Best car insurance companies: Our winners
- 2. There’s an interest-free period
- How to start a zero-based budget
- How does a life insurance trust work?
- Itemtopia
- How is a modular home built?
- How to claim the child tax credit
- 4. ‘I want $10,000 for my trade-in, and I won’t take a penny less.’
- Price vs. yield
- FHA loan requirements
- Bonus: Tacos and desserts
- Try a simple budgeting plan
- Is a Southwest Airlines upgrade worth it?
- What was the bank run of 1930?
- Best for member satisfaction: AARP/UnitedHealthcare Medicare Part D
- California income tax deadlines and extensions
- REITs' average return
- New details on the upcoming Capital One airport lounges
- How to get subsidized and unsubsidized loans
- 3. Drive safely
- Are you eligible to refinance student loans?
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Card readers and apps
- You want to rack up points
- Your spouse’s payments could affect your finances
- Efforts to combat hidden and junk fees
- Should you use bill negotiation services?
- Capital One Venture X Rewards Credit Card
- 3. Consider paying points
- MBA student debt calculator
- Hostel takeover?
- DUNS number vs. EIN: What’s the difference?
- 2. Capacity/cash flow
- Excess carry-on baggage rates
- What Medigap Plan N covers
- Get any discounts that apply
- Check for sales tax holidays
- Is YouTube Premium worth it?
- Watch out for scams
- More ways to get ahead of student debt
- Are student loan payments deductible?
- Do you have to pay need-based aid back?
- More traditional financing options
- How to book a hotel without a credit card
- What Medigap Plan G doesn’t cover
- Go electric
- 2. Smartly spend on the right credit cards
- What are the benefits of early direct deposit?
- Types of state income tax
- What can I use a home equity loan for?
- Serve American Express Prepaid Debit Account
- Factors that affect the cost of car insurance
- How to know which premium travel credit card is best for you
- Is per-card or overall utilization more important?
- When you should lock your mortgage rate
- How much does it cost to buy Vanguard index fund shares?
- How does Babbel fit into your budget?
- How do you think the culture of saving influences how second- or third-generation Asian Americans manage money?
- Where to find your AGI on your 1040
- Borrowers who may consider a non-QM loan
- A mammoth task for states
- Mishandled luggage
- Redeeming Chase Ultimate Rewards points
- Need more information?
- What to do when your credit card expires
- How to avoid checked bag fees on Hawaiian Airlines
- How do I check my tax return status?
- Who can open a joint business account
- How to unfreeze your credit
- How student loan interest rates work
- 4. How far do you drive?
- 7. Visit the farmers market
- Offer more earnest money
- Paying early also cuts interest
- Where does lottery revenue go?
- 5. Housesit
- Comparing stocks and bonds
- Why doesn’t Zelle send you a 1099?
- About the Discover it® Cash Back
- How to get into IHG’s Executive Clubs
- How to get started investing in private equity
- Key consideration: Survivor benefits
- Taxes and fees
- Savings account simple interest vs. compound interest
- TransUnion credit freeze by phone
- Miraval
- For non-U.S. citizens
- The risks of short selling
- Benefits of using the QSBS exemption
- 4. Select, confirm and book your flight of choice
- Exceptions to state minimum car insurance requirements
- Local sales
- 4. Find the right car for you
- How do streaming services fit into your budget?
- When are state taxes due in 2024?
- 4. Remove your name from a credit card account
- Bank of America routing numbers
- 2023 standard deduction married filing jointly
- How to save without cutting coverage
- 3. The rewards rate is high
- Pros and cons of investing in bank stocks
- How to choose a life insurance company in 2024
- Qualifying for a second mortgage
- Can you pay student loans during the grace period?
- When can you sign up?
- 1. High-yield savings accounts
- Goodbudget, for hands-on envelope budgeting
- Does Medicare cover cancer surgery?
- 6. Shop smart
- Food
- Am I eligible for a reverse mortgage?
- How does Disney Park Hopper work?
- 4. Save for college
- Best life insurance company overall: MassMutual
- 3. Don’t ask for too much cash
- Major airlines with free texting through messaging apps
- What if you're priced out of homebuying?
- Gift tax limit 2024
- 2. An interest-bearing checking account that earns 1% or more
- 5. Philadelphia instead of New York City
- Consider seeking professional tax advice
- Top credit cards that offer preapproval without a hard pull
- Why is net worth important?
- How to choose the best high-yield savings accounts
- 4. Peer-to-peer lending
- MBA student loan repayment options
- Student loan cancellation programs
- CASH BACK CREDIT CARDS
- When is it too late to buy travel insurance?
- Request your passport number from the State Department
- How it works
- 5. Take clear pictures of the check with your mobile device
- Streaming TV discounts
- Medicare Part B (medical insurance)
- 7. Calculate your burn rate
- Consider all your options first
- Consider your own cash flow
- 6. Check the Sunday newspaper
- 3. Big balances can still hurt your credit scores
- Google Pay
- How loan term affects your monthly car payment
- Benefits of multicurrency accounts at fintechs
- Information about your account
- Net worth calculator
- 3. Consider cards that don't require a Social Security number
- When to estimate closing costs
- How to pay self-employment tax
- Qualifying for a Single Family Housing Direct Home Loan
- Is PMI tax-deductible?
- 3. Newcomers get a modest sign-up bonus
- 4. It can protect your finances
- 5. Pre-qualify without affecting your credit score
- 5. ‘I’ve been looking all over for this color.’
- More advanced stock chart terms
- Bank of America vs. Chase: Basic savings accounts
- 5. Protect your credit — but protect yourself first
- 4. Marriott points expire after 24 months
- Do you tip taxis in Spain?
- Where to get rideshare insurance
- 3. Carrying a balance is expensive
- 5. Find tax credits for health insurance
- Benefits of a SIMPLE IRA
- 4. Drop car insurance you don’t need
- Programs in the Florida Panhandle
- Point-of-sale hardware
- Options for ordering personal checks
- Kids need an ID when flying internationally
- Unique Hilton hotels in Las Vegas
- 8. Go thrift shopping
- How does Spotify fit into your budget?
- Apply for Clear (maybe)
- Pros and cons of VA home loans
- How to avoid capitalized interest on student loans
- Kirkland’s
- Can you disable cash advances on your card?
- Protective customer complaints and satisfaction
- 4. Bad credit? The secured card is a decent option
- Business bank accounts with sweep options
- How do you set up a lady bird deed?
- What Medigap Plan N doesn’t cover
- Lifting a TransUnion credit freeze
- What’s needed to process credit cards?
- Credit cards help you track spending
- What special features does the Robinhood IRA have?
- Frugal DIY project tips
- April
- How to open a joint account
- 6 types of dividends
- How much should you spend on a mattress?
- 5. Sell the financed asset
- 4. American Airlines Flagship Lounge (Terminal 4)
- How to prove undue hardship for student loans
- What is not included in a cruise?
- Qualifying surviving spouse
- Chase Total Checking®: $300 bonus
- Are there any issues with early direct deposit?
- Modular homes vs. site-built homes
- Factor in other costs
- Your 401(k) plan allows after-tax contributions
- 3. Taking the standard deduction vs. itemizing
- Prepare to abandon ship
- C
- 4. Leverage memberships
- Factors to consider before paying rent with a credit card
- 4. Ordering food
- Types of REITs
- Where to find non-QM loans
- What is a good business credit score?
- How to ensure continued coverage
- Who might prefer the Capital One Quicksilver Cash Rewards Credit Card
- Don’t limit yourself to springtime to clean up your bank accounts
- Know the limits of credit monitoring services
- Ways to get good value
- Who is covered?
- 3. Apple Pay Later
- Benefits for active-duty military
- What is my Georgia residency status for state income tax purposes?
- Tips for packing a box as luggage
- 2. Solo 401(k)
- Why haven't I received my tax refund?
- What is a loan maturity date?
- 4. Reduce paper clutter
- You may agree to chip in on each other's payments
- Chance to offer simple services
- How do I enroll in Zelle?
- Prepaid 529 plans by state
- 4. Use grants if you qualify
- The bottom line
- How much it costs
- If you are shy about asking for a second opinion
- Labor costs
- What internet speed do you need?
- How much interest will I earn on $10,000?
- Working YouTube Premium costs into your budget
- What state has the highest gas prices?
- Avis
- Should you consider municipal bonds?
- Why is the IDR account adjustment happening?
- Best car insurance in New Jersey for customer satisfaction: NJM
- When can you stop paying for PMI?
- The pros and cons of zero-based budgeting
- Some using would-be student loan payments for basic needs, paying down other debt
- What if I lose the cashier's check?
- 4. Interest rates are lower than the industry average
- Home equity loan rates in 2023
- How much does a Southwest flight upgrade cost?
- Today’s rates for specific kinds of mortgages
- 7. Ask for a raise
- Do I have to pay California state tax?
- What else you need to know
- The significance of adjusted gross income
- Taking out federal loans vs. private loans
- 5. Fund your FSA
- How to consolidate private student loans
- 6. Apply for college grants
- What is Ohio’s standard deduction?
- Can you refinance student loans while still in school?
- Refinance at a lower interest rate
- Can United miles be used on other airlines?
- What does Kaiser Permanente Medicare Advantage cost?
- How many banks have collapsed?
- How to apply for a joint business bank account
- OpenSky® Secured Visa® Credit Card
- 5. How important is driving the newest model to you?
- 9. Go for a walk
- Other tech tools to help you manage your money
- What are the lottery payout options?
- 4. Take advantage of first-time home buyer programs
- 3. Open an investment account
- Student loan discharge programs
- Most popular cash back card reviews
- For Medicaid beneficiaries
- Seller concessions
- 8. Follow your favorite brands
- Colonial Penn customer complaints and satisfaction
- Bank of America® Customized Cash Rewards credit card
- Need-based aid vs. merit-based aid
- Optional coverages
- What’s a 'good' insurance credit score?
- If you're pining for 3% rates — they're not coming back
- Can you really afford the house?
- Cheapest term life insurance companies for smokers for 2024
- How much does Medigap Plan G cost?
- Tax deductions for self-employment
- Married filing jointly vs. separately
- 3. Use status matches from other loyalty programs
- Additional child tax credit
- Information is power
- Already saving, ready to maximize
- Flight diversions
- Inflation example
- What if I can’t provide collateral or a personal guarantee?
- Gift tax limit 2023
- Covering your spouse under your solo 401(k)
- Integrations with accounting software
- Step 2: Determine your target audience
- Alternatives to checks
- Booking award flights
- How to increase your net worth
- Is my money safe in a high-yield savings account?
- More about Protective life insurance
- 6. Write online reviews
- How do I send, request and receive money in Zelle?
- United Club℠ Infinite Card and United MileagePlus Presidential Plus card
- Credit cards that offer travel insurance
- Special rules for the divorced
- Decide between fixed and variable
- Top pick for Grubhub
- Whenever possible, take your time
- Then, reap the rewards
- 6. Pick up weekly ads at the store
- National grant programs open to Georgia businesses
- 4. Interest will be charged on any balance left when the 0% period ends
- Cruising versus flying
- 3. Who is covered?
- 3. British Airways and Aer Lingus award flights to Europe from 13,000 Avios
- Additional education tax breaks
- What umbrella insurance doesn’t cover
- Other travel-friendly options
- How much to keep in your savings account
- Clothes, vintage and crafts
- What can you invest in with a Roth IRA?
- Mattress-buying tips
- 5. Contact the seller or visit a dealership
- 6. Pay off the balance
- Auto loan preapproval vs. pre-qualification
- 4. You don’t have to be an AARP member to apply
- Cash accounts vs. margin accounts
- The bottom line
- Types of life insurance trusts
- How much of your fee goes to Upwork?
- W-4 form 2024
- Why is the 10-year Treasury yield important?
- Google Pay
- What to do if you can't pay your taxes
- Additional functionality
- How much car insurance you need
- 6. Make calculated money moves
- Your 401(k) lets you move your after-tax money
- Does Medicare cover other cancer treatment services?
- Additional Medicare Part D companies
- How much rideshare insurance costs
- Embrace: Best pet insurance for many ways to save
- How to invest in dividend stocks
- 3. A CD ladder
- Get more help with monthly budget planning
- What is a prepayment penalty?
- 10. Take a hike
- You may be responsible for debt after divorce
- 5. Online savings accounts
- Limit contingencies
- Why the due date is so important
- Step 3: Choose your lender and loan
- 3. EarnIn: Best for large advances
- The caveats
- Is United’s basic economy worth it?
- Other cash back card reviews
- So, should you switch to Zelle?
- Methodology to determine the best hotel
- Alternatives to canceling a credit card
- 6. Confirm the check details and complete the deposit
- The long straddle
- New York Life customer complaints and satisfaction
- State farm grants
- Where Colonial Penn stands out
- Pre-qualification vs. preapproval
- 3. Don’t fear stock market exposure
- Caveats to keep in mind with QSBS
- Get a credit-builder product or a secured loan
- Estimating your car payment
- What else to know
- Payments and credits
- Compare your net worth
- How do tax refund loans work?
- What do closing costs include?
- What are the other 2024 tax deadlines to know?
- How to check in to a hotel without a credit card
- What will count toward IDR forgiveness?
- Chase Freedom Flex℠
- The annual fee is not worth it if you ...
- Chase routing numbers
- 5. It covers belongings away from home
- Other tips for booking an award flight to Las Vegas on Southwest
- How to invest in AI stocks
- Paylocity features
- How do you get a second mortgage?
- Bank of America vs. Chase: Certificates of deposit
- How does credit utilization affect my credit score?
- Interest rate
- 5. When you stay a certain number of nights per year, you'll earn elite status
- Potential impact of multiple credit cards on your credit scores
- Debt
- E
- Other tipping situations
- How to save money on Babbel
- How long-term care insurance works
- How much are Disney Park Hopper tickets?
- What’s the filing deadline for my Ohio state income tax bill?
- Drawbacks of SIMPLE IRA plans
- 4. Consider a co-signer
- ID required for benefits
- Deposit timing
- ESG investing vs. socially responsible investing vs. CSR
- Pros and cons of startup business loans with EIN numbers only
- Foundation grants for nonprofits
- 5. Consider hiring help
- 5. The cards toss in a few extra perks
- Which card is right for you?
- Types of private equity investments
- 3. Capital
- Avoiding misdiagnosis
- How much does Medicare Supplement Insurance Plan N cost?
- Pick the shortest term you can
- 8. Look at the product packaging
- 3. Be kind
- Pros and cons of jumbo loans
- May
- Do what makes you happy
- No-PMI mortgages
- Look for savings
- ONE VIP Visa Prepaid Card
- 5. Customs
- Alternatives to non-QM loans
- Which card should you get?
- 6. Subsidize your dependent care FSA
- Best life insurance company for applicants with HIV: Guardian
- 5. Drive a car that’s cheap to insure
- How to file a Capital One rental car insurance claim
- How the lifetime gift tax exclusion works
- How to open a solo 401(k)
- Is a backdoor Roth IRA worth it?
- Estimate your 2024 IRS tax refund date
- 11. Ride a bike
- How do I get a copy of my actual tax return?
- Do the math on high-yield savings
- 7. Start a blog
- 5. Get a work-study job
- Alternatives to a lady bird deed
- How to book a pro
- 7. Keep the check until it's processed
- Other costs for home sellers
- Medicare Advantage (Medicare Part C)
- 9. Try out generic labels
- Where Colonial Penn falls short
- What pet insurance pays for
- Get pre-qualified or preapproved?
- What state has the lowest gas prices?
- What is a short squeeze?
- Frugal home expenses tips
- Pros and cons of investing in gold stocks
- Co-signing isn’t forever
- 5. Star Alliance lounge (TBIT)
- What are fleet cards?
- What are the tax rules for a Roth IRA?
- 5. Balance transfers are possible — but not advisable — with the Aven credit card
- NAIC Home Inventory
- LLC payroll taxes
- Ways to get the best home equity loan rates
- Find out what your loan payment will be
- Alternatives to a Southwest flight upgrade
- What is California's standard deduction?
- How do finances show up typically in Asian American households, and what tips would you give on managing money with family or relationships?
- 4. Balance transfer and cash advance options are pricey, too
- Other performance metrics
- Watch out for scams
- 5 things to know about Ohio state tax
- 401(k) withdrawals
- Contract periods
- The bottom line
- 6. How clean do you keep your car?
- The Blue Sky from American Express®: Is it right for you?
- What is the VA loan limit?
- 5. Shop around with multiple lenders
- How to save money every month
- Competitive opportunities
- When a general travel credit card is a better fit
- Double-entry accounting software
- 5. You might not be eligible for the offer
- 4. How to file a claim
- Tips for maximizing delayed flight compensation
- 3. Get disability and life insurance
- Alternatives to savings accounts
- Joint accounts for teens
- 4. Build your credit, with or without a Social Security number
- Are Roth IRAs insured?
- Best car insurance in New Jersey for ease of use: State Farm
- How to get a preapproved car loan
- Save money on PMI
- 5. There are cards that can reward you more
- 6. The cost may be less than you expect
- Married filing jointly
- Chase Private Client Checking℠: Up to $3,000 bonus offer
- Cashier’s check vs. certified check vs. money order
- 4. Book hotels through certain websites
- Advantages of modular homes
- How to find the 2024 W-4
- When to expect your child tax credit refund
- Are 10-year Treasury notes a good investment?
- 2. Certificates of deposit
- 5. Opt for economy cars
- What is your modified adjusted gross income (MAGI)?
- 6. Increase the deductible
- Step 3: Write your business plan
- Other Roth IRA rules
- Using Hilton complimentary night rewards in Vegas
- How to freeze your child’s credit
- Credit union personal loan rates
- Be flexible about closing and move-in dates
- Other tips for managing your bill
- 8. Game on Twitch
- Where to find virtual assistant jobs
- Taxes for rollover IRAs: 2 rules to know
- More about New York Life
- 9. Browse store aisles
- How much are credit card processing fees?
- When you need a passport for a cruise
- Who needs umbrella insurance?
- New charges
- Average car insurance rates for poor credit
- 6. Inspect and test-drive the car, if applicable
- No-closing-cost mortgages
- Wells Fargo routing numbers
- Ways to get the best USDA mortgage rates
- Not everyone is ready to start making payments again
- How to buy bank stocks
- Should you choose Bank of America or Chase?
- Strategies for keeping your credit utilization low
- What to do if you have to move and can’t prepare
- You’ve got money left over for savings
- F
- 4. Klarna
- Save money on Allegiant flights as a veteran
- Checking boxes on planes recapped
- Customer support
- How did we determine the value of United miles?
- 12. Sleep in the woods
- Are there other ways to get tax records?
- Key terms in this story
- 4. Pick an investment strategy
- 6. Work for an employer that pays for college
- When should you buy travel insurance?
- Switching is no longer an option for most
- Summary of balance transfer cards vs. personal loans
- Buy Medigap Plan N during Medigap open enrollment
- 10. Use credit cards strategically
- Next steps
- Credit cards help build credit
- Cards to consider despite their balance transfer fee
- What to consider before you begin investing
- Buy Medigap Plan G during Medigap open enrollment
- How do fleet cards work?
- Should you file student loan bankruptcy?
- Disadvantages of modular homes
- 2023 state income tax rates and brackets
- Final thoughts on Southwest flights to Las Vegas
- How to find AI ETFs
- Why some cars cost more to insure
- What part of my income gets taxed by California?
- If you’re wondering about tipping in Spain
- How to buy rideshare insurance
- 5. Think twice about occasional deferred interest offers
- 7. Rock your HSA
- What is Georgia's standard deduction?
- Opt for income-driven repayment
- Why did First Republic Bank fail?
- Travel ID requirements for kids recapped
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Next steps
- 7. Do you use your car for business?
- Cons of the new system
- 6. High-yield checking accounts
- Accept a loss and move on
- Step 4: Gather loan documents
- 9. Sell photography
- Visa Infinite credit cards (including the U.S. Bank Altitude™ Reserve Visa Infinite® Card and the Chase Sapphire Reserve®)
- 6. Consider alternative types of mortgages
- What else you need to know
- Be clear about ...
- How to choose a business loan that works for you
- More about Colonial Penn
- 6. You might not get approved for as much credit as you need
- Reasons to get a credit card
- Don’t pay for advance seat selection
- Will parent PLUS loans qualify?
- Other low-down-payment mortgage options
- PayPal
- How much can you borrow with a home equity loan?
- EveryDollar, for simple zero-based budgeting
- How do you buy Vanguard Index fund shares?
- 6. You can earn points and elite status faster with a Marriott Bonvoy-affiliated card
- Memberships
- When is the Virginia state income tax deadline?
- Federal student loan consolidation
- The rankings of reliable airlines
- What is hyperinflation?
- 5. Use collateral to secure the loan
- 7. Improve your credit
- Next steps:
- Step 4: Register and license your business
- The drawbacks of whole life insurance as an investment
- Where's my 2024 state tax refund? Track your status
- ESG investing examples
- How to earn Hilton points quickly
- 13. Gaze at the stars
- 3 tips to control central air conditioning installation costs
- Purchase upgraded airfare with priority lane access
- 4. Varo: Best for existing bank customers
- 4. Conditions
- Tips to consolidate your debt successfully
- 11. Establish your local supermarket circuit
- How to incorporate market cap in your portfolio
- 10. Check your receipts
- 4. Air France/KLM award flights to Europe from 16,125 miles
- What is naked short selling, and why is it illegal?
- Use a co-signer
- June
- Roth IRA eligibility rules
- Do you ever need to change your EIN?
- How to do well on Upwork
- Construction loans for modular homes
- Do I have to update my W-4 every year?
- 2024 child tax credit news update
- How do you buy 10-year Treasury notes?
- Days in the cycle
- What credit cards include Southwest upgrades?
- 4. Keep an eye on popular tax deductions and credits
- Is a SIMPLE IRA right for me?
- Major airlines where sending text messages costs money
- 2024 lifetime gift tax exemption
- Refinancing a VA home loan
- TRAVEL CREDIT CARDS
- For the uninsured
- How to look up passport numbers recapped
- Avianca checked bag policy
- Why are I bond interest rates falling?
- You don’t need to have $10,000 to take advantage of compound interest
- Medicare Part D (prescription drugs)
- How much umbrella insurance do you need?
- Samsung Pay
- Interest charges
- How much does a tax refund loan cost?
- Who doesn’t need life insurance?
- Is Plan G the best Medicare Supplement Insurance plan?
- PayPal Cashback Mastercard®
- 6. Oneworld business-class lounge (TBIT)
- Chase checking account referrals: Up to $500 bonus
- How can I avoid cashier's check fraud?
- The bottom line
- 3. Bonds
- 6. Stick to one driver
- How to protect against inflation
- Best life insurance company for consumer experience: Northwestern Mutual
- Kaiser Permanente Medicare Advantage plan types
- When should you freeze your credit?
- The bottom line about JetBlue flight delay compensation
- 14. Listen to music
- Pros of the new system: Flights with partners
- 3 investing myths
- How much are lottery winnings taxed?
- 10. Pet sit
- The long strangle
- 12. Consider a wholesale membership
- Top pick for Uber Eats
- How are gas prices determined?
- 7. The usefulness of a 0% deal depends on your habits
- 4. Keep your itinerary light and flexible
- When not to use a credit card
- How important is it to pay no balance transfer fee?
- How to buy gold stocks
- Do all auto insurers use credit-based insurance scores?
- Cheapest final expense companies for 2024
- Electronics
- 7. Determine which warranties are right for you
- When will I get my refund?
- Online bank and credit union routing numbers
- Full list of the best car insurance in New Jersey
- See if zero-based budgeting is right for you
- LLC self-employment taxes
- Bottom line
- Am I a resident for California state tax purposes?
- Capital One partners with Hopper
- Does Disney Park Hopper include parking?
- 8. See if you’re eligible for the earned income tax credit (EITC)
- 3. SEP IRA
- How to get a tax refund sooner
- Types of ESG investments
- If you want to stay in a Hilton hotel in Las Vegas ...
- Reconsideration for PSLF applications
- How to get a loan from a credit union
- Best uses for a high-yield savings account
- Risks of private equity
- Smart strategies usually involve some delay
- Find the best homeowners insurance in your state
- Compare alternative plans
- 11. Use social media
- Seller-paid closing costs
- Will my servicer know if I qualify?
- If you're weighing the cost of the Chase Sapphire Reserve®
- Is Upwork the right freelance marketplace for you?
- Do you pay tax on T-notes?
- Home equity loan requirements
- FamZoo Prepaid Card
- Airline loyalty programs
- Shopping
- G
- What happens if you have an accident while driving for Uber, Lyft or other app?
- 8. Don’t drive a lot? Consider usage-based insurance
- Programs in north Florida
- What's the tax filing deadline for my Georgia state income tax bill?
- Step 5: Get your finances in order
- Why did Silicon Valley Bank fail?
- 15. Make some music
- How to start a minority woman-owned business
- 11. Do freelance work
- 7. Take out federal loans if you have to
- How to safely cancel a credit card
- How to earn more interest in a savings account
- How to qualify for a business loan
- Become an authorized user
- Jumbo loans and conforming loan limits
- Where to find the best savings accounts
- How to evaluate dividends
- Finding a car you can afford
- Recap: How to get a cashier's check
- How to adjust your Form W-4
- How to save on car insurance
- Choosing between cards? Rewards and perks might make the difference
- Earn more miles with the Capital One Venture Rewards Credit Card
- 5 things to know about Virginia state income tax
- Why do I need a business credit score?
- Methodology
- 6. Find the right lender
- Capital One car rental coverage, recapped
- 5. PayPal
- Types of VA home loans
- General-purpose travel card reviews
- Medigap (Medicare Supplement Insurance)
- Private and community farm grants
- July
- Next steps
- What type of life insurance do I need?
- If you need additional student loan help
- What if you lose your EIN?
- Married filing separately
- Which type of life insurance should I put in a trust?
- Could we be in an AI bubble?
- What's next?
- What are the best Vanguard index funds?
- 7. Use your own insurance
- Interest-based passive income ideas
- Should you pay rent with your credit card?
- Who pays the gift tax?
- Cons of a credit freeze
- Upgrade Cash Rewards Visa®
- 16. Make something
- How often do savings rates change?
- The bottom line
- 5. Understand your investment options
- Depreciation examples
- NerdWallet home insurance calculator methodology
- 2. How you drive
- 13. Look at the price per unit
- Market capitalization vs. float-adjusted market cap
- Trip cancellation insurance from AmEx recapped
- Costs of carrying a credit card
- 5. Iberia award flights to Spain from 17,000 Avios
- The bottom line on short selling
- Find local conforming loan limits
- What company has the best rates for good drivers with poor credit?
- Pros and cons of tax refund loans
- Why you can trust NerdWallet
- United Policyholders Home Inventory Spreadsheet
- LLC sales taxes
- Venmo
- There's no reason not to join if you stay at Marriott hotels
- 5. Know what tax records to keep
- Cost of long-term care insurance
- If you fly Virgin America first class
- Third-party ratings
- The bottom line
- How to finance central air installation
- Step 5: Submit your application and get funded
- 5. Dave: Best for repayment flexibility
- Know your options
- 5. Collateral
- U.S. Bank Cash+® Visa Signature® Card
- What’s a spousal Roth IRA?
- 8. Negotiate the best price
- Tax Day resources
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 7. LAX Centurion Lounge (TBIT)
- Fleet fuel cards: benefits and drawbacks
- Chase Business Complete Checking℠: $400 bonus offer
- 2024 state income tax rates and brackets
- Are home equity loans a good idea?
- Tips for writing an executive summary
- What advice would you give to Asian Americans who feel as though they're not yet in the same financial situation as their peers?
- How do I get my business credit score?
- 9. Give it away
- What are the best dividend stocks?
- Major airlines where you won’t be able to text or use the internet
- Do you pay taxes when you receive a gift?
- Typical entry-level salaries by occupation
- Fees across U.S. airlines
- 17. Learn a new skill
- Credit union vs. online lender
- What else is being done to curb junk fees?
- 12. Create a podcast
- Are IHG Executive Club lounges worth the cost?
- Can you contribute to a rollover IRA?
- 3. Make your home more resilient
- 5. Make it easier to reacclimate after travel
- How much does umbrella insurance cost?
- Ways to get the best jumbo mortgage rates
- What if I had delinquencies or a student loan in default?
- Rideshare insurance: Key takeaways
- How to decide if Disney Park Hopper is right for you
- How to consolidate federal loans
- Best life insurance company for coverage amounts: New York Life
- How to open a high-yield savings account
- How many times can you use a VA home loan?
- What to do if you win the lottery
- Enrolling in Medicare
- Your readiness to buy a home
- Market capitalization vs. enterprise value
- Resources for Georgia-based businesses
- Types of gas
- Why investing is important
- A closer look at these companies
- What is a no-credit-check loan?
- Consequences of a child tax credit error
- Empower Personal Dashboard, for tracking wealth and spending
- A Southwest flight upgrade will get you on board faster
- 8. Forgo the extras
- The bottom line
- How to track your Georgia state tax refund
- How much money can you make on YouTube?
- Redeeming Choice Privileges points
- Credit freeze or credit lock?
- 18. Exercise
- 13. Become a rideshare or delivery driver
- Home shopping tips
- The cost of veterinary care
- Other closed-loop cruises
- How to get umbrella insurance
- August
- H
- Figo: Best pet insurance for cats
- Is the gift tax deductible?
- Why did Signature Bank fail?
- If you fly Hawaiian Airlines with luggage
- ESG investing: How to get started
- Junk Fee Prevention Act
- World Elite Mastercards
- The future of blockchain technology
- 8. Borrow private loans as a last resort
- Understanding depreciation in business and accounting
- 14. Understand sale cycles
- How will Robinhood make money from its IRAs?
- Tax refund loan alternatives
- LLC tax forms and deadlines
- Greenlight Prepaid Mastercard
- When to consider Global Entry instead
- 6. Sezzle
- Step 6: Find the right location
- 19. Have a potluck
- Resources for starting and managing your minority-owned business
- Are mobile wallets safe?
- The synthetic long
- 6. United award flights to Europe from 18,000 miles
- Get credit for the bills you pay
- Roth IRA vs. traditional IRA: What's the difference?
- 9. Maximize trade-in value, if applicable
- What can cruise elite status get you?
- Walmart2Walmart
- Pros of investing in REIT stocks
- Tax advantages of buying long-term care insurance
- 10. Keep a file of your medical expenses
- How to get free Wi-Fi while flying
- Allegiant is the best airline for veterans
- How much is the gift tax rate?
- Resources for researching and comparing salaries
- Who can access your frozen credit reports?
- Discover it® Secured Credit Card
- 14. Tutor
- Important considerations when opening a Roth IRA
- 6. MoneyLion: Best for existing customers
- Final thoughts on the different United economy fare classes
- Airline credit card reviews
- Additional checked baggage fees
- Top pick for Amazon’s food delivery services
- Tips for effective credit card use
- Can I get a refund?
- What to know about Chase checking account bonuses
- State child tax credits
- 6. Tweak your W-4
- J
- 9. Price out prepaid gas
- 2 things to know about Georgia state tax
- Step 7: Create a rental contract
- 20. Do something productive
- How to purchase different investment types
- Using depreciation to plan for future business expenses
- Bottom line: Is umbrella insurance worth it?
- Car insurance rates for drivers with good or poor credit by state
- Learn about the best life insurance companies
- 8. Emirates Lounge (TBIT)
- Fuel card vs. business gas credit card
- Should you invest in AI stocks?
- Types of stock charts and how to read them
- Where Paycom may be a better option
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- After deciding
- Programs in central Florida
- Which small business internet service is right for you?
- Minority-owned business statistics
- The bottom line
- Next steps
- What happens if I can’t open a savings account?
- How to claim lottery winnings
- If you’re looking for a car-sharing platform
- If you want to cruise to the Bahamas
- Never done it before? Here's what to consider
- More reading for active investors and traders
- September
- All-inclusive cruises aren’t the whole story
- Extra fees
- Cons of investing in REIT stocks
- More about the influencers
- Best life insurance company for permanent life insurance: Pacific Life
- Earn an audience, and earn more in the long run
- Kaiser Permanente Medicare Advantage service area
- What’s happening with Silvergate Capital Corp.?
- 4. SIMPLE IRA
- Why are California gas prices so high?
- How to build your credit and get cheaper insurance
- Are dividends taxed?
- 10. Make the purchase
- How much life insurance do you need?
- Single
- An alternative to home inventory apps
- What is the $500 credit for other dependents (ODC)?
- K
- 10. Walk or ride
- 11. Consider selling those dogs weighing down your portfolio
- Step 8: Build your operations team
- 21. Host a yard sale
- What are the largest lottery jackpots ever?
- 15. Rent out items
- 3. Your vehicle
- Lenders that offer small loans and fast funding
- Other potential alternatives
- LLC tax tips for business owners
- Final thoughts on getting TSA PreCheck for free
- Credit cards that earn Chase Ultimate Rewards®
- Common gift tax return triggers
- Recapping the best Hilton free night redemptions
- What happened to Credit Suisse?
- One-time IDR account adjustment for PSLF borrowers
- The bottom line
- Depreciation and taxes
- Alternatives to pet insurance
- Practice good credit habits
- Next steps
- How to open a Roth IRA in 4 steps
- Child tax credit vs. child and dependent care credit
- What is credit card consolidation?
- California state tax credits
- Investing in REITs: How to get started
- How to buy long-term care insurance
- 7. Zip
- More about whole life insurance
- 22. Engage with your community
- 16. Use cash back apps
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Hotel credit card reviews
- These are just some of the best ways to fly to Europe with points
- What about life insurance through work?
- 9. American Airlines Admirals Club (Terminal 4)
- W-4 calculator
- Western Union
- Walmart MoneyCard
- 4. Money market funds
- 7. Tax strategies to shelter income or cut your tax bill
- L
- Step 9: Create an online presence
- Other ways to make money
- Customer service
- Mission Lane Visa® Credit Card
- The bottom line
- October
- Types of FHA loans
- PocketGuard, for a simplified budgeting snapshot
- 12. Get the timing right
- Apparel and shoes
- FHA vs. conventional loans: Summary
- Does your business need a fleet fuel card?
- Are Chase bank promotions worth it?
- How does credit card consolidation work?
- Where Paylocity may be a better option
- Investing
- Can you keep your doctor on Medicare?
- Top pick for Instacart
- The bottom line on the new Robinhood IRA
- Best life insurance company for customer satisfaction: State Farm
- Step 10: Provide exceptional service
- Are other banks are in trouble?
- Other credit card car rental perks
- Does the president control gas prices?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- What else to know about Form W-4
- Programs in south Florida
- The bottom line on investing for beginners
- Things to consider about loans with no credit check
- Understanding state 'partnership' plans
- Reconsideration for rejected PSLF applications
- 8. Klover: Best for no-fee advances
- Credit cards for other travel brands
- Tips to managing the grant application process
- Check your credit scores and reports
- November
- Other LAX lounges
- How long should an executive summary be?
- 5. Mutual funds
- Choice Privileges elite status
- Should I take my money out of the bank?
- The bottom line
- Should you buy stocks or bonds?
- What Medicare doesn't cover
- What are tax deductions?
- Is consolidating credit card debt a good idea?
- OK, what's next?
- M
- Compare buy now, pay later apps
- The bottom line
- Prosper® Card
- So, is pet insurance worth it?
- How does the Israel-Hamas war affect gas prices?
- Zelle:
- In-flight experience
- Disney Park Hopper recapped
- Should you use a buy now, pay later app?
- 5. Defined benefit plan
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- Best stocks for beginners
- Get airport lounge access through credit cards
- Can I still use my credit card after debt consolidation?
- What to avoid in an executive summary
- The bottom line
- Are we in a recession?
- Home purchasing tips
- 4. Your car insurance choices
- Other ways to save on car insurance if you have poor credit
- Low-fee alternatives to prepaid cards
- 6. Index funds
- MetLife: Best pet insurance for dogs
- Best life insurance company for older applicants: AARP
- Your next step
- Mortgages
- Medicare vs. Medicaid
- December
- The bottom line on how to read stock charts
- Honeydue, for budgeting with a partner
- N
- The bottom line
- Don't qualify for PSLF? You have other options for relief
- Pros and cons of loan apps
- OTHER REWARDS CREDIT CARDS
- How to shop for no-credit-check loans
- FHA loan limits
- Corporate grants for nonprofits
- The upside down: When debt and equity roles reverse
- Additional resources for veteran entrepreneurs
- Best LAX lounges, recapped
- How to track your California state refund
- Capital One QuicksilverOne Cash Rewards Credit Card
- Veteran farm grants
- The bottom line
- Are we headed for a depression?
- The bottom line on investing in stocks
- Most popular
- Top pick for meal kits
- Cheapest car insurance by state
- What to know about the best ways to send money
- Where can I find out more?
- What are tax write-offs?
- Prime Visa
- No-credit-check loan alternatives
- British Airways vs. Virgin Atlantic winner
- P
- Best term life insurance companies of April 2024
- Others
- How to apply for an FHA loan
- California state sales tax
- Prepaid-like options from fintechs: Apple Cash and Cash App
- Best whole life insurance companies of April 2024
- Where to open a retirement plan if you’re self-employed
- How to make money from home
- What if you're not eligible?
- Budgeting resources from NerdWallet
- Alternatives to buy now, pay later
- Beauty and personal care
- Choice vs. competitors
- Capital One Platinum Credit Card
- Alternatives to the best whole life insurance
- How do you claim tax deductions?
- 7. Exchange-traded funds
- How to save on startup costs
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- Pros and cons of FHA loans
- 5 things to know about California state tax
- Best no medical exam life insurance companies of April 2024
- The bottom line
- Alternatives to farm grants
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- Other home insurance companies to consider
- S
- BALANCE TRANSFER AND 0% CREDIT CARDS
- More about whole life insurance
- How to choose the best life insurance company
- Personal loans
- Methodology to identify the best budget apps
- What are the Roth IRA withdrawal rules?
- 8. Stocks
- AvantCard Credit Card
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
- Nationwide: Best pet insurance for exotic pets
- 5. Economic factors
- Top pick for general food delivery
- Target Circle™ Credit Card
- Ways to get the best FHA mortgage rates
- What are prepaid debit cards?
- T
- More about top-rated life insurance companies
- Alternatives to cash advance apps
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- Blue Cash Everyday® Card from American Express
- U
- STORE AND RETAILER BRAND CREDIT CARDS
- Prepaid debit cards vs. regular debit cards
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- More about top-rated life insurance companies
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- 9. Alternative investments
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- 11. Real estate
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What are dividend stocks and why buy them?
Dividends on common stock — like any investment — are never guaranteed. However, dividends are more likely to be paid by well-established companies that no longer need to reinvest as much money back into their business. As a result, stocks that pay dividends can provide a stable and growing income stream.
Dividends are considered an indication of a company's financial well-being. Once a company establishes or raises a dividend, investors expect it to be maintained, even in tough times. Investors often devalue a stock if they think the dividend will be reduced, which lowers the share price.
According to research from Fidelity, during periods of inflation, “stocks that increased their dividends the most outperformed the broad market, on average."
The most reliable American companies have a record of growing dividends — with no cuts — for decades. Examples of companies that pay dividends include Exxon, Target, IBM, Sherwin-Williams Co., and Johnson & Johnson. An elite list of S&P 500 stock companies called the dividend aristocrats have increased their dividend every year for at least 25 years. By comparison, high-growth companies, such as tech or biotech companies, rarely pay dividends because they need to reinvest profits into expanding that growth.
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Dividend vs. growth stocks
Learn more about the difference between dividend and growth stocks, and what they add to your portfolio.
How are dividends paid out?
Imagine you own 30 shares in a company and that company pays $2 in annual cash dividends. You will receive $60 per year. Here’s how it works.
A company earns profits.
The company’s board of directors approve a plan to share those profits in the form of a dividend. A dividend is paid per share of stock. U.S. companies usually pay dividends quarterly, monthly or semiannually.
The company announces when the dividend will be paid, the amount and the ex-dividend date. Investors must have bought the stock at least two days before the official date of a dividend payment (the "date of record") in order to receive that payment.
The company pays out the dividend to shareholders.
The ex-dividend date is extremely important to investors: Investors must own the stock by that date to receive the dividend. Investors who purchase the stock after the ex-dividend date will not be eligible to receive the dividend. Investors who sell the stock after the ex-dividend date are still entitled to receive the dividend, because they owned the shares as of the ex-dividend date.
6 types of dividends
Usually, dividends are paid out on a company’s common stock. There are several types of dividends a company can choose to pay out to its shareholders.
1. Cash dividends
The most common type of dividend. Companies generally pay these in cash directly into the shareholder's brokerage account.
2. Stock dividends
Instead of paying cash, companies can also pay investors with additional shares of stock.
3. Dividend reinvestment programs (DRIPs)
Investors in DRIPs are able to reinvest any dividends received back into the company's stock, often at a discount. DRIPs typically aren't mandatory; investors can choose to receive the dividend in cash instead.
4. Special dividends
These dividends pay out on all shares of a company’s common stock, but don’t recur like regular dividends. A company often issues a special dividend to distribute profits that have accumulated over several years and for which it has no immediate need.
5. Preferred dividends
Payouts issued to owners of preferred stock. Preferred stock is a type of stock that functions less like a stock and more like a bond. Dividends are usually paid quarterly, but unlike dividends on common stock, dividends on preferred stock are generally fixed.
6. Dividend funds
Investors who don't want to research and pick individual dividend stocks to invest in might be interested in dividend mutual funds and dividend exchange-traded funds (ETFs). These funds are available to a range of budgets, hold many dividend stocks within one investment and distribute dividends to investors from those holdings.
How to evaluate dividends
An investor can use different methods to learn more about a company's dividend and compare it to similar companies.
Dividend per share (DPS)
As mentioned above, companies that can increase dividends year after year are sought after. The dividend per share calculation shows the amount of dividends distributed by the company for each share of stock during a certain time period. Keeping tabs on a company’s DPS allows an investor to see which companies are able to grow their dividends over time.
Dividend yield
Financial websites or online brokers will report a company’s dividend yield, which is a measure of the company’s annual dividend divided by the stock price on a certain date.
The dividend yield evens the playing field and allows for a more accurate comparison of dividend stocks: A $10 stock paying $0.10 quarterly ($0.40 per share annually) has the same yield as a $100 stock paying $1 quarterly ($4 annually). The yield is 4% in both cases.
Yield and stock price are inversely related: When one goes up, the other goes down. So, there are two ways for a stock’s dividend yield to go up:
The company could raise its dividend. A $100 stock with a $4 dividend might see a 10% increase in its dividend, raising the annual payout to $4.40 per share. If the stock price doesn’t change, the yield becomes 4.4%.
The stock price could go down while the dividend remains unchanged. That $100 stock with a $4 dividend might decline to $90 per share. With that same $4 dividend, the yield would become just over 4.4%.
Dividend payout ratio
Advisors say one of the quickest ways to measure a dividend’s safety is to check its payout ratio, or the portion of its net income that goes toward dividend payments. If a company pays out 100% or more of its income, the dividend could be in trouble. During tougher times, earnings might dip too low to cover dividends. Like a stock's dividend yield, the company's payout ratio will be listed on financial or online broker websites.
Be sure to check the stock's dividend payout ratio, or the portion of a company’s net income that goes toward dividend payments. Payout ratios are one measure of dividend health, and they are listed on financial or online broker websites.
Are dividends taxed?
All types of dividends are taxable. Dividends paid by U.S.-based or U.S.-traded companies to shareholders who have owned the stock for at least 60 days are called qualified dividends, and are subject to capital gains tax rates. All other dividends are subject to ordinary income tax rates.
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