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Julia Santos

Julia Santos is the founding editor of DividendsTimes. She writes about dividend safety, income investing, and building reliable passive income, drawing on a background in finance and accounting. Her rule: every yield comes with its risk, plainly stated.

SCHD vs DGRO vs VIG: which dividend growth ETF fits your portfolio?

August 9, 2026 by Julia Santos

SCHD vs DGRO vs VIG: we break down methodology, yield vs growth trade-offs, and which dividend growth ETF fits income or total-return investors.

Categories Dividend ETFs Tags DGRO, dividend growth ETF, dividend investing, ETF comparison, SCHD, VIG Leave a comment

How much emergency fund before you start investing

August 8, 2026 by Julia Santos

Learn how much emergency fund you need before investing, where to park it at today’s high short rates, and when the 3-6 month rule flexes.

Categories Guides Tags beginner investing, emergency fund, high-yield savings, investing basics, personal finance, T-bills Leave a comment

Trump predicted Iran war could send stocks down 20% to 25%, and markets are not out of the woods yet

August 8, 2026 by Julia Santos

Trump warned the Iran war could crash stocks 20-25%. Here is what the conflict means for markets, oil prices, and income investors.

Categories News Tags defense stocks, dividend stocks, geopolitics, Iran war, oil prices, stock market selloff Leave a comment

REIT taxes explained: why your dividends are taxed differently and how to keep more

August 8, 2026 by Julia Santos

REIT taxes explained: why REIT dividends are ordinary income, how the 20% QBI deduction works, why FFO matters more than EPS, and IRA vs taxable placement.

Categories REITs Tags dividend tax strategy, FFO vs EPS, QBI deduction, REIT investing, REIT taxes, Section 199A Leave a comment

Dollar-cost averaging vs lump sum: what the data actually says

August 8, 2026 by Julia Santos

Dollar-cost averaging vs lump sum: research shows lump sum wins ~2/3 of the time, but DCA reduces regret. See how DRIP automates the best of both.

Categories Guides Tags dividend reinvestment, dollar-cost averaging, DRIP, investing strategy, lump sum investing, portfolio building Leave a comment

Solar stocks shine after Trump extends China tariffs to polysilicon products

August 8, 2026 by Julia Santos

Solar stocks rallied after Trump extended China tariffs to polysilicon products. What the new trade action means for U.S. solar companies and income investors

Categories News Tags China, FSLR, polysilicon, solar stocks, tariffs, trade policy Leave a comment

Roth IRA vs traditional IRA for dividend investors: where your income grows tax-free

August 8, 2026 by Julia Santos

Roth IRA vs traditional IRA for dividend investors: learn where dividends compound tax-free vs tax-deferred and which account suits REITs and JEPI.

Categories Retirement Income Tags dividend investing, REITs, retirement income, Roth IRA, tax-advantaged accounts, traditional IRA Leave a comment

How to read an earnings report in 10 minutes

August 7, 2026 by Julia Santos

Learn how to read an earnings report in 10 minutes. A step-by-step checklist covering revenue, EPS, guidance, cash flow, and the dividend lines that matter.

Categories Guides Tags dividend investing, earnings report, earnings season, EPS, free cash flow, payout ratio Leave a comment

Dividend Aristocrats vs Kings vs Achievers vs Champions: what each label actually means for your portfolio

August 7, 2026 by Julia Santos

Dividend Aristocrats vs Kings vs Achievers vs Champions: understand the exact requirements, key differences, and why labels alone are not a buy signal.

Categories Dividend Aristocrats Tags Dividend Achievers, Dividend Aristocrats, Dividend Champions, dividend growth investing, Dividend Kings, income investing Leave a comment

How interest rates affect stocks: a plain-English guide for dividend investors

August 7, 2026 by Julia Santos

Learn how interest rates affect stocks in plain English. Covers the discount-rate mechanic, growth vs. value, banks, and what record-high yields mean for divi

Categories Guides Tags dividend stocks, federal reserve, growth stocks, income investing, interest rates, treasury yields Leave a comment
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