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.