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.

Maximizing Wealth Through Dividend Reinvestment: CSCO,STWD,CINF,VTR

 Investing in dividend-paying stocks is a time-tested strategy for building wealth, and reinvesting those dividends takes it a step further by leveraging the power of compounding. Let’s explore how recent dividend transactions demonstrate the benefits of this approach.

What is Dividend Reinvestment?

Dividend reinvestment involves using cash dividends paid by a company to purchase additional shares of the same stock. This strategy allows investors to grow their holdings over time without needing to contribute additional funds. It’s particularly powerful in tax-advantaged accounts like IRAs, where reinvested dividends can grow tax-deferred or tax-free.

Real-Life Examples of Dividend Reinvestment

Here’s a snapshot of recent dividend activity across different stocks and accounts:

1. Cisco Systems Inc (CSCO)
   • Received $28.95 in qualified dividends on January 22, 2025.
   • Reinvested into 0.4722 shares at $61.3096/share.
2. Ventas Inc REIT (VTR)
   • Received $17.21 in prior-year non-qualified dividends on January 16, 2025.
   • Reinvested into 0.2962 shares at $58.1043/share.
3. Cincinnati Financial Corp (CINF)
   • Received $50.04 in dividends on January 15, 2025, within a Rollover IRA.
   • Fully reinvested back into additional shares.
4. Starwood Property Trust Inc (STWD)
   • Received $77.74 in dividends on January 15, 2025, within a Roth IRA.
   • Fully reinvested back into additional shares.

Why This Strategy Works

• Compounding Growth: Each reinvested dividend buys more shares, which in turn generate more dividends over time.
• Cost Efficiency: Many brokers offer automatic dividend reinvestment with no additional fees.
• Tax Advantages: In IRAs, reinvestments grow tax-deferred (Rollover IRA) or tax-free (Roth IRA), accelerating wealth accumulation.

Key Takeaways

• Over time, even small dividends can add up significantly when reinvested.
• Dividend reinvestment is a disciplined approach that builds wealth passively.
• Tax-advantaged accounts amplify the benefits of this strategy.

By adopting a dividend reinvestment plan (DRIP), you can make your money work harder for you and achieve long-term financial goals with minimal effort.

July 2024 Dividend Analysis:

 Introduction: July 2024 marked a significant milestone in our dividend portfolio, with total dividends received amounting to $749.59. This represents a substantial year-over-year growth of +27.53%, driven by strong performances from key holdings and the introduction of new contributors.

Key Growth Drivers: One of the standout performers was FXAIX (Fidelity 500 Index Fund), which delivered an impressive $138.38, reflecting robust market conditions. Similarly, MO (Altria Group) continued its strong performance, contributing $84.18. The addition of DOX (Amdocs) was a game-changer, adding $91.25 in its first-ever dividend payout.

Steady Performers: Companies like Coca-Cola (KO) and Realty Income (O) maintained their consistent growth patterns, contributing to the overall increase in dividends. Both companies are known for their reliable dividend policies, which continue to benefit the portfolio.

Challenges and Declines: However, not all was rosy. Ladder Capital (LADR), which had been a consistent contributor in previous years, saw its dividends drop to zero, signaling possible financial challenges. Bank of Nova Scotia (BNS) also showed minimal growth, indicating a more cautious approach in the current economic climate.

SYMBOL	2021 July	2020 July	2022	2023	2024	Difference
KO	9.89	9.17	10.67	11.94	13	1.06
MO	48.88	36.3	56.7	72.21	84.18	11.97
VTR	15.15	15.15	15.64	16.29	16.94	0.65
O	6.31	6.22	7	8.03	10.35	2.32
LADR	4.67	4.07	5.49	6.67	0	-6.67
CSCO	32.82	30.91	35.72	38.9	42	3.1
BNS	41.9	37.69	48.8	48.06	48.88	0.82
NLY	12	12	13.42	10.96	12.59	1.63
CINF	35.65	33	39.87	44.47	49.42	4.95
STWD	56.64	56.64	61.09	67.4	74.12	6.72
AGNC	6.26	6.17	7.31	8.42	9.8	1.38
MO	8.71	7.81	9.79	11.11	12.66	1.55
IRM	6.17	5.74	6.5	6.84	7.47	0.63
FXAIX	90.52	89.45	106.71	113.29	138.38	25.09
DG	4.22	3.6	11.07	13.46	20.68	7.22
STWD	26.45	25.32	28.52	31.44	34.59	3.15
ITW	7.32	6.76	15.71	17.3	18.9	1.6
Fundrise	31.22	16.92	40.2	49.32	50.55	1.23
TROW	155.91		0	0	0	0
DOX	0	0	0	0	91.25	91.25
JPM	9.96	9.9	11.36	11.72	13.83	2.11
	610.65	416.32	531.57	587.83	749.59	161.76

Summary of the Data:

• Total for 2021 July: 610.65
• Total for 2020 July: 416.32
• Total for 2022: 531.57
• Total for 2023: 587.83
• Total for 2024: 749.59
• Total Difference: 161.76

2024 Dividend Goal Progress Summary

As of July 2024, your total dividends received amount to $9,663.29. Here’s how each month has contributed to this impressive figure:

• January: $572.46
• February: $765.00
• March: $3,116.15 (a standout month)
• April: $699.64
• May: $790.46
• June: $2,970.00
• July: $749.59

Key Observations:

1. March and June are the top-performing months so far, with March alone contributing over $3,000 in dividends.
2. June also saw a significant contribution of nearly $3,000, reflecting strong mid-year performance.
3. July marked a smaller increase, but it was still a solid month, adding $749.59 to the total.

Progress Towards 2024 Goal:

Your 2024 goal is 49.56% of your target, with the current total reaching $9,663.29. You’re making steady progress, and with five months left in the year, you’re well on your way to achieving, if not exceeding, your goal.