Investing For Beginners: Everything You Need To Know - Forbes
Table of Contents · Start Investing With eToro · Understand Basic Investing Concepts · Be Clear About Your Investment Goals · Plan Your Investment ...
dividends
The two key ways to make money from investments are selling an asset for more than you paid for it (a.k.a. capital gains), or earning yield, such as through <anchor>dividends</anchor>, interest or rental income.
A Guide To Dividends – Forbes Advisor Australia
A Guide To Dividends – Forbes Advisor Australia

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Cryptocurrency



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Insurance



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Loans



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Property



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Solar



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# What Are Dividends?

[Jody McDonald](https://www.forbes.com/advisor/au/author/jmcdonald/ "Jody McDonald")

[Jody McDonald](https://www.forbes.com/advisor/au/author/jmcdonald/)

Contributor

Updated: Mar 14, 2023, 12:10pm


[Johanna Leggatt](https://www.forbes.com/advisor/au/author/johanna-leggatt/ "Johanna Leggatt")

Edited By

[Johanna Leggatt](https://www.forbes.com/advisor/au/author/johanna-leggatt/ "Johanna Leggatt")

editor

Edited By

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed [here](https://www.forbes.com/advisor/au/how-we-make-money/). Read our [advice disclaimer here](https://www.forbes.com/advisor/au/editorial-disclaimer/).

## Table of Contents

- [Dividends Explained](#scrollto_dividends_explained_section)
- [How Dividends Work](#scrollto_how_dividends_work_section)
- [Dividend Investing](#scrollto_dividend_investing_section)
- [Dividend Stocks vs Dividend Funds](#scrollto_dividend_stocks_vs_dividend_funds_section)
- [Is Dividend Investing a Good Strategy?](#scrollto_is_dividend_investing_a_good_strategy_section)
- [Frequently Asked Questions (FAQs)](#scrollto_frequently_asked_questions_faqs_section)

{{ tocState.toggleTocShowMore ? 'Show more' : 'Show less' }}

Stocks that pay dividends are a pillar of income [investing](https://www.forbes.com/advisor/au/investing/), favoured by many investors looking to [retire](https://www.forbes.com/advisor/au/superannuation/) or earn a living from the [stock market](https://www.forbes.com/advisor/au/investing/asx-stocks-to-watch-2023/). But is it the best way to grow your wealth from shares? If you’re investing in the stock market, it’s important to understand the role of dividends and why companies pay them, so you can adjust your investing strategy accordingly.

**Related:** [How to Invest in the ASX](https://www.forbes.com/advisor/au/investing/how-to-invest-in-the-asx/)

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## Dividends Explained

There are two main ways people can make money from owning [shares](https://www.forbes.com/advisor/au/investing/how-to-buy-stocks/) in a company: when the company’s value and share price increases over time, and through dividends which can contribute to a [passive income](https://www.forbes.com/advisor/au/investing/best-passive-income-ideas/) stream.

### What Are Dividends?

Dividends are when a company distributes a portion of its profits, in order to attract and reward shareholders. If you own [shares of a company](https://www.forbes.com/advisor/au/investing/australian-stock-market-news/) that chooses to pay dividends, you’ll receive a slice of the profits based on the number of shares you hold—paid in cash or in the form of extra or discounted shares.

It’s up to each company to decide whether it will pay dividends, how much profit to distribute, and how often. It could be monthly, quarterly, annually or a sporadic ‘special’ payment. Publicly traded companies listed on the Australian Securities Exchange (ASX) that offer dividends tend to pay twice a year, following full and half-year earnings announcements.

### How much do you get paid?

The more shares you hold, the higher your cut. The amount you’ll receive is expressed as a value per share, such as 30 cents per share. The amount per share varies significantly depending on the company and its profitability.

Pro Tip

High yields are good, but once yields start exceeding 10% it may be an indicator the stock is volatile and riskier

### Do dividends affect your tax?

Yes, dividends count as taxable income. However, there may also be tax credits available if you receive fully franked or partially franked dividends from a company—which means the company has paid all or some of the tax already and you can offset this against your personal income tax.

### What is dividend yield?

Dividend yield is a ratio that helps you understand the potential return for every dollar you invest in a stock. Dividend yield is expressed as a percentage, and is calculated by taking the annual value of a company’s dividends (per share) and dividing that by its current share price.

High yields are good, but once yields start exceeding 10% it may be an indicator the stock is [volatile and riskier](https://www.forbes.com/advisor/au/investing/stocks-shares-is-now-the-time-to-buy-the-dip/). Let’s say a company pays annual dividends per share of $2, and its share price is $20: the dividend yield would be 10%. If the share price halves, the yield jumps to 20%—but such a dramatic drop in share value could indicate a big problem with the company, and may mean future dividends are unsustainable.

## How Dividends Work

Here are some key steps that will occur when a company decides to pay dividends:

- The company’s senior leaders and board will determine how much profit to distribute and approve a dividend payment.
- The company will announce their intention to pay a dividend and the value per share or other options such as when dividends are offered in shares, also referred to as a dividend reinvestment plan (DRP).
- An ex-dividend date will be set—this is the date by which shares must be purchased in order to be entitled to the dividend.
- Companies will also set a date for when the dividend will be paid, often around a month after the ex-dividend date.

### Why do Companies Pay Dividends?

Some companies commit to consistent dividend payouts because they know many investors are strongly influenced by the ability to earn an income from shares, and [attracting more investors](https://seekingalpha.com/article/4515214-why-companies-pay-dividends) and keeping current investors happy is good for the company. When dividends are offered in the format of discounted shares, it encourages shareholders to keep investing more in the company.

Market sentiment can be influenced by dividends. A company can’t pay dividends regularly unless it’s established and has stable earnings. Companies that pay dividends position themselves as financially strong, which may lift demand for its stock and increase its price.

### Companies that Don’t Pay Dividends

Younger companies and companies that are growing rapidly may be less likely to be profitable, and also more likely to be focused on reinvesting any profits into expansion, product development or research initiatives.

Mature companies with considerable profits will have different operational and financial management approaches that determine how they use earnings, which may lead to a decision not to pay dividends.

One of the world’s most profitable companies—tech giant Google—has [never paid investors a dividend](https://edition.cnn.com/2019/02/04/investing/google-alphabet-cash-dividend/index.html). Reinvesting profits into the company may be seen as a preferable strategy for boosting a company’s share price by signalling its long-term viability.

**Related:** [How to Buy Google Shares in Australia](https://www.forbes.com/advisor/au/investing/how-to-buy-google-alphabet-googl-stocks-shares/)

## Dividend Investing

To explore dividend investing, you might start by researching the publicly listed companies that have previously paid dividends.

[Share trading platforms](https://www.forbes.com/advisor/au/investing/share-trading-platforms-guide/) may have content or search tools that help you identify stocks that typically offer dividends and their yield ratios. You can also explore individual companies’ investor relations information and annual reports online. The ASX has a [Dividend search tool](https://www2.asx.com.au/markets/trade-our-cash-market/dividend-search) you can use to explore past and current dividend announcements.

## Dividend Stocks vs Dividend Funds

To be eligible to receive dividends, you can invest directly in individual shares, via [exchange-traded funds (ETFs](https://www.forbes.com/advisor/au/investing/how-to-buy-etfs-in-australia/)), or choose a managed fund that focuses on assets with the potential to deliver dividends.

Managed funds are managed for you, which may mean higher fees and conditions around minimum investment amounts and withdrawal options. Your money is pooled with the money of other investors and overseen by a professional fund manager who selects investments in a diversified mix of assets. You would need to choose a fund that focuses on investing in stock with the potential to deliver dividends.

ETFs are another pooled investment security that can help you diversify your investments, but they’re traded on the stock exchange like shares. Depending on the stocks included in a particular ETF, you may gain access to dividends.

If you’re using share trading platforms to self-manage your portfolio you can easily purchase individual shares in companies that pay dividends. However, it may be more costly to buy multiple stocks in an effort to diversify, and keeping track of multiple stocks can be time-consuming.

**Related:** [How to Build Wealth in Australia](https://www.forbes.com/advisor/au/investing/how-to-build-wealth-in-australia/)

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## Is Dividend Investing a Good Strategy?

Investing in shares is generally viewed as a good long-term investment. So, it makes sense that buying stock in established, profitable companies capable of paying dividends could add stability to a portfolio as well as the potential for income. Investing in emerging, high-growth companies with a lower dividend yield ratio could also be value-for-money if the stock price rises.

Some investors prefer stocks without dividends, for a few common reasons:

- They don’t want to deal with taxation complexity related to dividend payments.
- They’re focused on long-term capital appreciation (rise in share value) rather than earning an income from their investment.
- They think lifting a company’s share price is better achieved by reinvesting profits in ways that increase the company’s value.

### The Risks of Dividends

The main risk is that there are no guaranteed dividends and they can be reduced or discontinued entirely as a company’s fortunes or priorities change. Companies can and do adjust their approach to dividends when it becomes strategically important for them to use profits in another way or when profits are waning.

This, of course, speaks to the broader risks of any investment in the stock market—economic conditions change, markets can be volatile, and companies can flounder. Having a strong understanding of why you’re making certain investments, getting [professional advice](https://www.forbes.com/advisor/au/investing/how-to-choose-a-financial-advisor/), and diversifying your portfolio can help mitigate risks.

## Frequently Asked Questions (FAQs)

### Do dividends increase over time?

Whether dividend payments increase over time will depend on the company’s profitability and decisions its leadership makes about the best use of cash flow. Companies with a track record of consistent dividend payments may seek to provide certainty for investors by committing to increasing payments, but their ability to do so will be influenced by economic conditions and earnings.

### What is the definition of a dividend?

A dividend is a portion of a company’s profits that are paid to its shareholders periodically, in the form of cash or additional shares, as a reward for their investment in the company.

### Why do dividends decrease stock prices?

A company’s share price may increase in the lead-up to a dividend payment as investors seek to buy shares before the ex-dividend date, so that they can benefit from the dividend payment. The share price also tends to drop when the dividend has been paid, in line with the size of the dividend. Essentially this is because the company’s market value is reduced by paying out a portion of its profits or extra shares, which is reflected in the stock price.

### Should dividends be reinvested?

Obviously when a dividend is paid in cash, investors can choose how to spend it and that might include buying more shares. Some dividend-paying companies or brokers may offer a specific dividend reinvestment plan (DRP) that enables investors to reinvest all or part of their payment in more company shares (or ETF units), possibly at a discounted price, which may be a convenient way to keep adding to your portfolio. Either way, dividends must still be declared as income at tax time.

Guides To Investing

- [How To Buy Stocks And Shares](https://www.forbes.com/advisor/au/investing/how-to-buy-stocks/ "How To Buy Stocks And Shares")
- [How To Research Stocks](https://www.forbes.com/advisor/au/investing/how-to-research-stocks-from-australia/ "How To Research Stocks")
- [How To Make Money In Stocks](https://www.forbes.com/advisor/au/investing/how-to-make-money-in-stocks/ "How To Make Money In Stocks")
- [Best Investment Trading Apps in Australia](https://www.forbes.com/advisor/au/investing/best-investment-trading-apps-australia/ "Best Investment Trading Apps in Australia")
- [Stocks & Shares: Is Now The Time To Buy The Dip?](https://www.forbes.com/advisor/au/investing/stocks-shares-is-now-the-time-to-buy-the-dip/ "Stocks & Shares: Is Now The Time To Buy The Dip?")
- [Best Passive Income Ideas](https://www.forbes.com/advisor/au/investing/best-passive-income-ideas/ "Best Passive Income Ideas")
- [Investing In ETFs In Australia](https://www.forbes.com/advisor/au/investing/best-etfs-for-australians/ "Investing In ETFs In Australia")
- [How To Survive A Stock Market Crash](https://www.forbes.com/advisor/au/investing/how-to-survive-a-stock-market-crash/ "How To Survive A Stock Market Crash")
- [What Is Forex Trading?](https://www.forbes.com/advisor/au/investing/what-is-forex-trading/ "What Is Forex Trading?")
- [How To Build Wealth In Australia](https://www.forbes.com/advisor/au/investing/how-to-build-wealth-in-australia/ "How To Build Wealth In Australia")
- [Best ‘Safe Haven’ Investments for Australians](https://www.forbes.com/advisor/au/investing/best-safe-haven-investments-for-australians/ "Best ‘Safe Haven’ Investments for Australians")
- [Best Short-Term Investments for Australians](https://www.forbes.com/advisor/au/investing/best-short-term-investments/ "Best Short-Term Investments for Australians")
- [Best Long-Term Investments](https://www.forbes.com/advisor/au/investing/best-long-term-investments-australia/ "Best Long-Term Investments")
- [Best Dividend Stocks On The ASX](https://www.forbes.com/advisor/au/investing/best-dividend-stocks/ "Best Dividend Stocks On The ASX")
- [Best Demo Investment Trading Accounts](https://www.forbes.com/advisor/au/investing/best-demo-trading-accounts/ "Best Demo Investment Trading Accounts")
- [What Are Index Funds?](https://www.forbes.com/advisor/au/investing/what-are-index-funds/ "What Are Index Funds?")
- [What is ESG Investing?](https://www.forbes.com/advisor/au/investing/esg-investing/ "What is ESG Investing?")
- [How To Open A Brokerage Account in Australia](https://www.forbes.com/advisor/au/investing/how-to-open-a-brokerage-account/ "How To Open A Brokerage Account in Australia")
- [What Is Capital Gains Tax?](https://www.forbes.com/advisor/au/investing/capital-gains-tax/ "What Is Capital Gains Tax?")
- [How To Find The Best Financial Advisor](https://www.forbes.com/advisor/au/investing/how-to-choose-a-financial-advisor/ "How To Find The Best Financial Advisor")
- [What Is Compound Interest?](https://www.forbes.com/advisor/au/investing/compound-interest-in-australia/ "What Is Compound Interest?")
- [What Is Inflation?](https://www.forbes.com/advisor/au/investing/what-is-inflation/ "What Is Inflation?")
- [What Is Stagflation?](https://www.forbes.com/advisor/au/investing/stagflation/ "What Is Stagflation?")
- [What is a Bond?](https://www.forbes.com/advisor/au/investing/what-is-a-bond/ "What is a Bond?")
- [What Is An IPO?](https://www.forbes.com/advisor/au/investing/what-is-an-ipo/ "What Is An IPO?")
- [Guide To REITs](https://www.forbes.com/advisor/au/investing/guide-to-reits/ "Guide To REITs")
- [How Does Inflation Affect Stocks?](https://www.forbes.com/advisor/au/investing/how-does-inflation-affect-stocks/ "How Does Inflation Affect Stocks?")

Buying Guides

- [How To Invest In The ASX](https://www.forbes.com/advisor/au/investing/how-to-invest-in-the-asx/ "How To Invest In The ASX")
- [How To Buy Tesla (TSLA) Stocks](https://www.forbes.com/advisor/au/investing/how-to-buy-tesla-tsla-stocks-and-shares/ "How To Buy Tesla (TSLA) Stocks")
- [How To Buy Netflix (NFLX) Stocks](https://www.forbes.com/advisor/au/investing/how-to-buy-netflix-nflx-shares/ "How To Buy Netflix (NFLX) Stocks")
- [How To Buy Amazon (AMZN) Stocks](https://www.forbes.com/advisor/au/investing/how-to-buy-amazon-amzn-stocks-shares/ "How To Buy Amazon (AMZN) Stocks")
- [How To Buy Twitter (TWTR) Stocks](https://www.forbes.com/advisor/au/investing/can-i-buy-twitter-shares/ "How To Buy Twitter (TWTR) Stocks")
- [How To Buy Microsoft (MSFT) Stocks](https://www.forbes.com/advisor/au/investing/how-to-buy-microsoft-msft-stocks-shares/ "How To Buy Microsoft (MSFT) Stocks")
- [How To Buy Apple (AAPL) Stocks](https://www.forbes.com/advisor/au/investing/how-to-buy-apple-aapl-stocks-shares/ "How To Buy Apple (AAPL) Stocks")
- [How To Buy Facebook (META) Stocks](https://www.forbes.com/advisor/au/investing/how-to-buy-facebook-meta-stocks-shares/ "How To Buy Facebook (META) Stocks")
- [How to Buy GameStop (GME) Stock](https://www.forbes.com/advisor/au/investing/how-to-buy-gme-stock-in-australia/ "How to Buy GameStop (GME) Stock")
- [How to Buy NAB (NAB:ASX) Shares](https://www.forbes.com/advisor/au/investing/how-to-buy-national-australia-bank-nab-shares/ "How to Buy NAB (NAB:ASX) Shares")
- [How to Buy CBA Shares](https://www.forbes.com/advisor/au/investing/how-to-buy-commonwealth-bank-shares/ "How to Buy CBA Shares")
- [AI Stocks ASX](https://www.forbes.com/advisor/au/investing/investing-in-ai-stocks/ "AI Stocks ASX")
- [How To Buy ETFs](https://www.forbes.com/advisor/au/investing/how-to-buy-etfs-in-australia/ "How To Buy ETFs")
- [How To Buy Bonds In Australia](https://www.forbes.com/advisor/au/investing/how-to-buy-bonds/ "How To Buy Bonds In Australia")

Investing News

- [ASX Today](https://www.forbes.com/advisor/au/investing/asx-today/13-09-2024/ "ASX Today")
- [Euro to AUD Forecast](https://www.forbes.com/advisor/au/investing/currencies/euro-to-aud-forecast-and-trends/ "Euro to AUD Forecast")
- [USD to AUD Forecast](https://www.forbes.com/advisor/au/investing/currencies/usd-to-aud-forecast-and-trends/ "USD to AUD Forecast")
- [AUD To USD Forecast](https://www.forbes.com/advisor/au/investing/currencies/aud-to-usd-forecast-and-trends/ "AUD To USD Forecast")
- [GBP To AUD Forecast](https://www.forbes.com/advisor/au/investing/currencies/gbp-to-aud-forecast-and-trends/ "GBP To AUD Forecast")
- [AUD To INR Forecast](https://www.forbes.com/advisor/au/investing/currencies/aud-to-inr-forecast-and-trends/ "AUD To INR Forecast")
- [AUD To PHP Forecast](https://www.forbes.com/advisor/au/investing/currencies/aud-to-php-forecast-and-trends/ "AUD To PHP Forecast")
- [ETH To AUD Forecast](https://www.forbes.com/advisor/au/investing/currencies/eth-to-aud-forecast/ "ETH To AUD Forecast")
- [BTC To AUD Forecast](https://www.forbes.com/advisor/au/investing/cryptocurrency/btc-to-aud-forecast-and-trends/ "BTC To AUD Forecast")

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[Jody McDonald](https://www.forbes.com/advisor/au/author/jmcdonald/ "Jody McDonald")

[Jody McDonald](https://www.forbes.com/advisor/au/author/jmcdonald/ "Jody McDonald") Contributor

Jody McDonald is a freelance writer based in Brisbane who specialises in writing about business, technology and the future of work. She’s helped a range of SaaS platforms and tech companies share their stories, and has written for the Mortgage and Finance Association of Australia magazine, MYOB Pulse, Anthill Magazine, Crypto News Australia and The Chainsaw.


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