The Dividend Income Plan is an investment plan that allows you to invest in carefully selected U.S. dividend-paying stocks while earning monthly dividend payouts and enjoying potential long-term capital growth.

How does the Dividend Income Plan work?

When you invest in the plan, you benefit in two ways:

1. Monthly Dividend Income

You earn dividend payouts every month from the stocks in your portfolio. Annual dividend earnings can amount to up to 10% per annum, depending on market conditions and dividend distributions.

2. Capital Appreciation

In addition to dividends, your investment may increase in value over time as the stock prices grow. Capital growth depends on market performance and is not guaranteed.

How often are dividends paid?

Dividends are paid on the first day of every month and credited to your Rise wallet. 

What makes this plan different from the Growth Stocks plan?

The two plans are designed for different investment goals:

Dividend Income Plan

Growth Stocks Plan

Medium-risk investing

High-risk investing

Focuses on dividend income + capital growth

Focuses mainly on capital appreciation

Monthly dividend payouts

No regular dividend payouts

Targets stable, dividend-paying companies

Targets high-growth companies


What is the minimum investment amount?

The minimum investment amount is $10.

What is an ex-dividend date?

An ex-dividend date is the cutoff date you must be invested by to qualify for a stock’s dividend payment for that cycle.

To qualify for dividends in a cycle, you must invest on or before the ex-dividend date. If you invest after this date, you will be eligible for dividends in the next cycle.


Example: 

Suppose Apple’s ex-dividend date is the 15th of the month:

  • If you invest before the 15th → You receive Apple’s dividend that month

  • If you invest on the 16th → You qualify for the next dividend cycle

How are dividend amounts calculated?

Your dividend payout is based on the amount invested on the stock’s ex-dividend date.

Example:

  • You have $1,000 invested on the ex-dividend date

  • You add another $500 five days later

Your dividend for that cycle will be calculated using only the original $1,000. The additional $500 starts qualifying in the next cycle.

Is the 10% annual dividend guaranteed?

No. Dividend income of up to 10% per annum is an estimated return based on current dividend yields and market conditions. Actual returns may vary.