[Medical Professional × Money #210] High-dividend stock investing is fun after all. Why I enjoy the 'time spent choosing'

When building assets, keep it as simple as possible.

My investment strategy is based on two pillars:

“index fund investing” and “high-dividend stock investing.”

However, given my current situation, time and capital constraints mean index investing is my main focus.

It is difficult to check stock prices every day while working and raising children.

That is why the foundation is to steadily invest every month.

At the same time,

“High-dividend stock investing is fun after all” is something I also feel. This time, I will write about my high-dividend stock investing.

Index investing is currently my main focus

The core of my current asset building is index fund investing.

I invest a fixed amount every month.

Whether the market is up or down, I basically continue calmly.

Considering building assets while working and raising children, this method suits my lifestyle.

In particular, the time I can spend on investing is limited.

“I couldn’t check the stock price today,” “I didn’t have time to read the financial results.” I can continue calmly without worrying about such things.

That is why index investing is currently the main part of my asset building.

Even so, high-dividend stock investing is fun

On the other hand, what I personally find “fun” is high-dividend stock investing.

In high-dividend stock investing, I research companies myself. I look at dividend yields, look at financial results, and compare companies in the same industry. Then, I think,

“Should I buy this company?”

“Should I wait a little longer?” I love this “time spent choosing.”

“High yield = buy” is not necessarily true

When looking for high-dividend stocks, I naturally care about the dividend yield.

For example, when I hear

“4% dividend yield,”

it feels attractive.

But I try not to stop there.

Why is this company high-dividend?

It might just be that the stock price has fallen and the yield is temporarily high.

There might be a problem with their business performance. Can they maintain the dividend in the future? Is there a possibility that they can continue to increase dividends? I investigate such things one by one.

Of course, just because I investigated doesn’t mean I know the right answer.

Even so, thinking “Why is this the yield?”

is, for me, the fun of investing.

“Buy now, or wait a little longer?”

Another thing I like about high-dividend stock investing is thinking about the timing of the purchase. Even if I think,

“I want this company,”

thinking about whether to buy now or wait a little longer is interesting.

Of course, I cannot accurately predict the bottom of the stock price.

That is why I have my own criteria,

“I want to buy at this price.”

And then, I consider purchasing when it reaches that price. Including this process, I enjoy high-dividend stock investing.

“Two pillars” and “current priorities”

My investments are based on two pillars: index investing and high-dividend stock investing.

However, I do not spend the same amount of time or funds on both.

Right now,

index investing is my main focus.

And,

I enjoy high-dividend stock investing within the scope of what I can afford.

That is my balance.

Neither time nor funds are infinite.

I continue to do what I can while prioritizing my work and family.

This style suits me right now.

It is also important to ‘enjoy’ investing

When building assets, we tend to think about

‘which method is the most efficient?’

Of course, efficiency is important.

But when considering long-term continuation, I believe that

‘whether I can keep doing it’ is just as important.

In my case, I continue index investing calmly.

I enjoy researching and thinking about high-dividend stock investments myself. I combine these two.

What you get from high-dividend stock investing is not just dividends.

By researching companies, it also becomes an opportunity to learn about the economy and business. ‘Why is this company increasing its profits?’

‘Why can they increase dividends?’

Sometimes new learning begins with such questions.

Build assets steadily. Enjoy investing.

For me right now, the core of asset building is index investing.

But I also want to continue high-dividend stock investing.

Because the time spent researching, thinking about, and choosing companies myself is fun.

It is not that one or the other is the correct answer.

What is important is to decide your distance from investing according to your life, funds, and available time.

For now, I will make index investing my main focus while enjoying high-dividend stock investing within my means.

And if I have more funds or time, I will gradually change that ratio.

I would like to continue building assets with such a flexible investment style.

Build assets steadily

Enjoy investing