Forever Dividend Gems: A Financial Diary

Dividend stocks are like that friend who always remembers your birthday but never calls. They’re reliable, but you still wonder if there’s more to life than passive income.

My theory? You want a company that pays a dividend *and* grows it. It’s the financial equivalent of a steady heartbeat. Unfortunately, most stocks are more like a caffeine crash — unpredictable and slightly alarming.

But here’s the thing: the universe of companies that reliably raise dividends is smaller than my dating pool. Still, two stand out. Let me confess: I’ve stared at their charts more than my own reflection.

Realty Income (O): Real estate is the original “safe bet,” but who wants to manage a portfolio of convenience stores? Enter REITs. Realty Income owns 15,600 properties, which is roughly 10% of my life savings. Its monthly dividend is a rarity — like finding a £5 note in a coat pocket. The yield? 5.5%. That’s enough to make me forget about the nonqualified tax nonsense. Just don’t ask me about the 110 consecutive quarters of growth. I’m still recovering from the 27 years of discipline required to maintain that streak.

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Microsoft (MSFT): The tech giant that’s somehow both a household name and a mystery. It’s raised dividends for 23 years, which is longer than I’ve maintained a gym membership. Its yield is a meek 0.66%, but the share price is a rocket ship. I’ve watched it climb so high, I’ve started questioning my life choices. The dividend grows at 10.3% annually — a rate that makes me wish I’d invested in a hedge fund instead of my cat’s college fund.

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Let me be honest: I’m not sure Microsoft will keep growing at 11% forever. But then again, I’m not sure I’ll ever stop checking my portfolio. Such is the life of a financial observer — forever balancing hope, panic, and the occasional spreadsheet.

Units of Cryptocurrency Lost: 12. Hours Spent Watching Charts: 9. Number of Panicked Texts to Friends: 24. 📈

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2025-07-28 09:02