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Should I keep investing in the VDHG ETF and aim to live off the dividends?
Financial Independence
I've just put $3,000 into the VDHG ETF on Pearler and I'd liket if it's realistic to keep investing in this ETF and eventually retire on the dividends. Assuming it earns around 4% each year, I'd probably need well over $1 million invest to earn enough passive income to live. Sorry if this is a bit obvious — I've only just started investing, so I'm playing catch-up!
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Ruby Martin
Asked on 15 April 2025
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Is it realistic to keep investing and live off dividends? Yes.
As for what you invest in, that’s up to you. As David has said, you could consider super also as an option for extra cash.
The tricky part is you also need enough to live off before you can access super. That can be a combination of dividends and part-time work. The less you want to work, and the sooner you want to retire, the more you need to save and the more you’ll want to focus on assets outside super (or getting rid of a mortgage if you have one, which lowers your expenses + income needs)
So it all depends on how early you want to retire and how feasible that is based on your personal situation.
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