One of the first questions in stock investing is:
Should I go for dividend stocks or growth stocks?
Both are valuable, but the right mix depends on your age and goals.

🌿 Stability vs Potential

• Dividend stocks provide regular income from stable companies.
  → Slower returns, but strong predictability and cash flow.
• Growth stocks rarely pay dividends but have high future upside.
  → More volatile, but higher capital gains potential.

📊 Strategy by Age Group

20s to early 30s 🌱

• Long-term focus = more growth stocks
• Can handle risk; maximizing return is key
• Suggested mix: 80% growth / 20% dividend

Late 30s to 40s ⚖️

• Balance between growth and stability
• Suggested mix: 60% growth / 40% dividend

50s and beyond 💰

• Focus on stability and income
• Suggested mix: 70–80% dividend / 20–30% growth

📝 Key Takeaways

• Dividends = cash flow, Growth = future value
• Adjust your ratio based on age, risk tolerance, and goals
• No perfect answer—just the one that fits your life