July 2025 Dividends

My July Dividend Income 2025: +7.1% Growth & Deep Portfolio Analysis

Last updated: June 2025 | For U.S. Investors | Tracking: Monthly Cash Flow (July Payouts)

In July 2025, I received $802.61 in dividend income — up from $749.59 in 2024, a solid +7.1% year-over-year increase. This post dives deep into growth trends, sector exposure, speculative holdings like NVDW and TSLL, and what it means for long-term passive income. All data reflects U.S. market conditions and is intended for U.S. investors.

July Dividend Income (2020–2025)

All values represent total cash received in the month of July across all holdings. This includes quarterly, monthly, weekly, and one-time distributions.

Symbol	July 2020	July 2021	July 2022	July 2023	July 2024	July 2025	Δ (2025–2024)	Notes
KO	9.17	9.89	10.67	11.94	13.00	14.70	1.70	Quarterly
MO	36.30	48.88	56.70	72.21	84.18	94.53	10.35	Quarterly
VTR	15.15	15.15	15.64	16.29	16.94	18.62	1.68
O	6.22	6.31	7.00	8.03	10.35	14.74	4.39	Monthly
LADR	4.07	4.67	5.49	6.67	0.00	0.00	0.00	Closed
CSCO	30.91	32.82	35.72	38.90	42.00	44.34	2.34	Quarterly
BNS	37.69	41.90	48.80	48.06	48.88	51.70	2.82	Quarterly
NLY	12.00	12.00	13.42	10.96	12.59	15.4675	2.8775	mREIT
CINF	33.00	35.65	39.87	44.47	49.42	54.41	4.99	Quarterly
STWD	56.64	56.64	61.09	67.40	74.12	81.81	7.69
AGNC	6.17	6.26	7.31	8.42	9.80	11.36	1.56	Monthly
MO (2)	7.81	8.71	9.79	11.11	12.66	14.24	1.58	Second holding?
IRM	5.74	6.17	6.50	6.84	7.47	9.29	1.82
FXAIX	89.45	90.52	106.71	113.29	138.38	156.25	17.87	S&P 500 ETF
DG	3.60	4.22	11.07	13.46	20.68	28.59	7.91	Quarterly
STWD (2)	25.32	26.45	28.52	31.44	34.59	38.14	3.55	Confirm
ITW	6.76	7.32	15.71	17.30	18.90	20.74	1.84	Quarterly
Fundrise	16.92	31.22	40.20	49.32	50.55	43.96	-6.59	eREIT
TROW	—	155.91	0.00	0.00	0.00	0.00	0.00	Special Only
DOX	0.00	0.00	0.00	0.00	91.25	0.00	-91.25	Closed
TSLL	—	—	—	—	—	44.81	—	Leveraged (TSLA)
NVDW	—	—	—	—	—	27.71	—	WeeklyPay (NVDA)
JPM	9.90	9.96	11.36	11.72	13.83	17.2025	3.3725	Quarterly
Total	$416.32	$610.65	$531.57	$587.83	$749.59	$802.61	$53.02

Sector Breakdown (July 2025)

I Received $802.61 in July 2025 income came from a diversified mix of sectors.

Sector	Income	% of Total
REITs	$180.14	22.4%
Tech & Industrials	$166.19	20.7%
ETFs & Index Funds	$156.25	19.5%
Financials	$132.60	16.5%
Consumer Staples	$123.47	15.4%
Leveraged/Speculative	$72.52	9.0%
Closed/Zero	($42.56)	—
Total	$802.61	100%

1. Income Velocity: Are You Accelerating?

While July 2025 grew by +7.1%, the growth rate has slowed from +27.5% in 2024. This is natural as the portfolio base grows — but still healthy.

2. Reinvestment Impact

The biggest gains came from:

• FXAIX (+$17.87): Index compounding at work
• MO (+$10.35): Strong tobacco dividend growth
• DG (+$7.91): Retail resilience and buybacks

These show the power of reinvesting in high-quality, growing dividend payers.

3. Risk Exposure: NVDW & TSLL

I received $72.52 from speculative holdings:

• NVDW ($27.71): Weekly covered call ETF on NVDA — high yield, high risk
• TSLL ($44.81): 2x leveraged TSLA fund — likely a one-time distribution

4. Fundrise Decline

Fundrise dropped from $50.55 to $43.96 (-6.59). Possible reasons:

• Lower eREIT yields in 2025
• Portfolio rebalancing by Fundrise

Monitor future payouts — if trend continues, consider reallocating.

5. Closed Positions: DOX, LADR, TROW

Exited DOX (after $91.25), LADR, and TROW. Proceeds were reinvested to maintain growth trajectory.

Key Takeaways

• Your portfolio is well-diversified across REITs, Tech, and ETFs.
• FXAIX is your anchor holding — keep dollar-cost averaging.
• July income growth remains strong at +7.1% — above inflation.
• Separate passive income from speculative/trading income for clearer tracking.

Next Goal: Reach $900 in a single July month by 2026. With $53.02 growth this year, you're on track. Focus on reinvesting gains and reducing exposure to non-recurring distributions.

© 2025 My Dividend Journey. Data accurate as of July 2025.
Not financial advice. Investments involve risk.

Building Passive Income: New Dividend Stock Additions & Sell

 

In my ongoing journey toward building a sustainable stream of passive income through dividend stocks , I’ve recently made some strategic additions to my portfolio. These moves not only diversify my holdings but also significantly boost my expected yearly dividend income .

Here’s a breakdown of what I bought, why I chose these companies, and how much in additional dividends I’m now expecting to receive annually.

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🛒 Recent Trades Summary (May 2025)

1. Woodside Energy Group (WDS) – Sold

• Trade Date : May 7, 2025
• Action : Sell
• Quantity : 25 shares
• Price per Share : $12.94
• Total Proceeds : $323.49
• Dividend Adjustment : $0.01
• Reason for Sale : Reallocate capital to higher-yielding or more stable dividend stocks

Selling my position in Woodside Energy Group (WDS) allowed me to reallocate capital into more stable, high-yield dividend names that better align with my long-term goals.

2. Realty Income Corp (O) – Bought

• Trade Date : May 13, 2025
• Action : Buy
• Quantity : 7 shares
• Price per Share : $54.92
• Total Cost : $384.44
• Current Monthly Dividend : $0.2685/share
• Annualized Dividend : $3.222/share
• Total Annual Dividend from Holding : $22.55
• Expected Next Ex-Date : July 15, 2025
• Expected Pay Date : August 1, 2025

💡 Known as "The Monthly Dividend Company," O has a long history of consistent monthly payouts and occasional dividend increases.

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3. Johnson & Johnson (JNJ) – Bought

• Trade Date : May 13, 2025
• Action : Buy
• Quantity : 1 share
• Price per Share : $148.94
• Total Cost : $148.94
• Current Quarterly Dividend : $1.24/share
• Annualized Dividend : $4.96/share
• Total Annual Dividend from Holding : $4.96
• Expected Next Ex-Date : July 19, 2025
• Expected Pay Date : August 7, 2025

💡 JNJ is a Dividend Aristocrat with over 60 years of consecutive dividend increases. Stable healthcare exposure makes it a core holding.

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4. LyondellBasell Industries (LYB) – Bought

• Trade Date : May 13, 2025
• Action : Buy
• Quantity : 3 shares
• Price per Share : $60.69
• Total Cost : $182.07
• Current Quarterly Dividend : $1.34/share
• Annualized Dividend : $5.36/share
• Total Annual Dividend from Holding : $16.08
• Expected Next Ex-Date : June 21, 2025
• Expected Pay Date : July 10, 2025

💡 LYB offers a solid yield and has shown strong dividend growth in recent years. Exposure to chemicals and industrial sectors adds cyclical strength. 

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🎯 Why These Stocks?

Let’s dive into each stock I added and why they fit well into a dividend-focused portfolio.

1. Realty Income (O) – The Monthly Dividend REIT

• Dividend : $0.2685/month per share
• Annualized : $3.222/share
• Yield : ~5.9%
• Why I bought it : Known as “The Monthly Dividend Company,” Realty Income has a long track record of paying consistent monthly dividends and modest annual increases. It’s a solid foundation for predictable passive income.

2. Johnson & Johnson (JNJ) – Blue-Chip Healthcare Giant

• Dividend : $1.24/quarter
• Annualized : $4.96/share
• Yield : ~3.3%
• Why I bought it : One of the most respected dividend aristocrats, JNJ has raised its dividend for over 60 consecutive years. With exposure to healthcare, pharma, and consumer goods, it's a low-risk, high-quality holding.

3. LyondellBasell (LYB) – Industrial Sector Dividend Player

• Dividend : $1.34/quarter
• Annualized : $5.36/share
• Yield : ~4.3%
• Why I bought it : LYB offers a strong yield and has been increasing its dividend steadily in recent years. As a major chemical and plastics manufacturer, it benefits from infrastructure and manufacturing demand cycles.

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💰 Additional Dividend Income Added

With my current holdings:

• 7 shares of O → 7 × $3.222 = $22.55/year
• 1 share of JNJ → 1 × $4.96 = $4.96/year
• 3 shares of LYB → 3 × $5.36 = $16.08/year

🧮 Total New Annual Dividend Income Added:
✅ $43.59/year

That translates to about:

• ~$3.63/month
• ~$10.90/quarter

Not bad for just a few trades!

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📊 Looking Ahead

This small batch of trades has meaningfully increased my dividend base. Over time, as companies raise their dividends and I reinvest proceeds, this income will compound and grow.

To help manage this growth, I’ve also created:

• A dividend calendar to track upcoming payments
• A projected income schedule by month and quarter
• A cumulative tracker to monitor total dividend growth year-over-year

If you're interested, I can share the full Excel templates and tracking system I use to stay organized and focused on growing my passive income.

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Final Thoughts

Building a dividend portfolio isn’t about making big, risky bets—it’s about consistency, patience, and smart allocation. Every small addition adds up over time, and today’s buys are laying the groundwork for a stronger, more resilient income stream tomorrow.

Here’s to more dividends and financial freedom in the years ahead!