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Stock Market Investing Does Not Need To Be Difficult

By Clara Caines


While it may possibly look that a $10,000 investment in Procter & Gamble fell to $9,462, the reality is that the addition of dividends would actually indicate that a small profit has been made. When you count the dividends that got paid out along the way, a $10,000 investment in Procter & Gamble would have actually grown to a few dollars shy of $11,000. Spectacular earnings? No. But acknowledging returns is the difference between apparently losing $500 and booking a $1,000 profit.

Returns can also have a significant effect on firms that cut them, such as Pfizer (PFE). Pfizer cut its quarterly dividend from $0.32 to $0.16, and has been progressively rebuilding the dividend since then, with the last quarterly dividend at $0.22 per share. Pfizer traded at $23.10 on December 14th, 2007. The company currently trades at $25.18. For 5 years of capital invested, not a whole lot of action. Based on stock value change alone, it would appear that a $10,000 investment just increased to $10,904. Yet when you incorporate the dividends, you will certainly see that the $10,000 investment grew to $13,812. For a company that cut its dividend at some point on the way, that's extremely a substantial difference.

Over a five-year time frame, these contributions to whole return as a result of the dividends can be very good. Whilst focusing on the stock value alone might possibly give the impression that Johnson & Johnson only increased 4-5% in total over the past five years, the inclusion of dividends will point out that the result is more like 24%. Regarding Procter & Gamble, it could be easy to think that investors should have lost cash just because the stock value these days is a couple dollars below what it has been five years ago.

And when it comes in Pfizer's case, it could possibly become easy to discount the contribution of the dividend entirely because it got cut in half at some point on the way. This is why dividend traders can often achieve satisfactory or better total returns without persistently concentrating on the entire earnings.

Whenever you receive 2-4% added to the value of your investment each year, it is simple to discover how you can have a leg up as time passes. The medium-term outcomes for these three companies demonstrate the importance of dividends to an investor's bottom-line results.




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