💰 Dividend Investing — Build Passive Income

Dividend investors focus on stable cash flow from dividends. Suitable for retirees, low-risk profile, passive income seekers. Reinvesting dividends creates strong compounding effect.

Selection Criteria

1) Dividend yield > 4% (higher than bond). 2) Payout ratio < 70% (sustainable). 3) 5+ years uninterrupted dividends. 4) Dividend growth > inflation (4-5%/year).

High Yield = Good?

Not always. Yield > 8% may signal falling price (warning). Prefer "dividend growth" over "high yield".

Best Dividend Sectors

Utilities (POW). Consumer staples (VNM, MSN). Blue-chip banks (VCB, BID). Real estate REITs.

Top Vietnam Dividend Stocks

PNJ, FPT, VNM, MWG, VCB — all pay stable dividends 5-10 years.

Tax Considerations

Cash dividends Vietnam: 5% tax. Stock dividends: no tax at receipt. Consider when investing.

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🔗 Related Strategies

💎 Value Investing — The Buffett-Graham Way

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