Our first client (I.H., 28 years old, works in the quality control department at an enterprise that is engaged in the export of meat products) contacted us at the end of 2023 with a request to form a private pension based on dividend payments from shares, because he does not want to live only on the state pension when the time comes. The client said that he wants 1000 US dollars per month in 25 years and that he is ready to contribute up to 500 dollars per month to the brokerage account. Our model showed that this is possible with such an accumulation period, we opened a brokerage account in the name of the client at Interactive Brokers, and the client began to replenish it monthly.
We began to form the client’s portfolio according to our MAXXIMUS CAPITAL RETIREMENT PLAN strategy, which provides for the purchase of shares of large, stable companies that have been paying stable dividends for many years and increase them every year.
At the end of November 2023, our client received the first dividends in the amount of 8.17 dollars before taxes from one of the American REITs (companies that are engaged in purchasing real estate with further renting it out).
Our client continued to replenish his brokerage account monthly, and for the first quarter of 2024 his received dividends already amounted to 46.26 dollars before taxes from 5 companies in the portfolio.
During this time our client understood how the whole system works, how dividends are paid, how taxes are paid, and began to contribute more money to his brokerage account to speed up the result. The received dividends also went to the purchase of new shares.
For the 2nd quarter of 2024 the dividends already amounted to 122.89 dollars before taxes from 15 companies in the portfolio, and for the 3rd quarter of 2024 dividends amounted to 151.13 dollars before taxes from 20 companies in the portfolio.
In the 4th quarter of 2024 our client received an invitation for a job abroad and decided to take advantage of this opportunity to significantly increase his active income, which would go to replenishing his pension brokerage account.
For the 4th quarter of 2024 the dividends amounted to 274.24 dollars before taxes from 26 companies in the portfolio.
In total for 2024 our client received 1783.16 dollars of profit (dividends – 594.51 dollars, and also profit from rebalancing the portfolio in the amount of 1188.65 dollars was recorded).
After receiving a 2-year contract for work abroad, our client contacted us with a new request: whether it is possible, with his new income, to reach not a pension from dividends but a salary, so that when he returned to Ukraine he could live only on the income from his own portfolio. Exactly at that time we launched our new investment strategy MAXXIMUS CAPITAL TOTAL RETURN 50 and offered our client to switch to this strategy, and thus increase the probability of reaching a salary in a few years of work abroad taking into account reinvestment of received dividends.
We agreed with the client on a plan for a gradual transition to the new strategy, and meanwhile our client significantly increased the amounts of replenishment of his brokerage account taking into account the significant increase of his salary.
For the 1st quarter of 2025 our client received 328.31 dollars in dividends before taxes from 22 companies in the portfolio, and for the 2nd quarter of 2025 already 455.96 dollars in dividends before taxes from 30 companies in the portfolio.
Our MAXXIMUS CAPITAL TOTAL RETURN 50 strategy is less oriented specifically toward dividends, it is more oriented toward the total income of the portfolio. Therefore, when switching to this strategy we warned our client that the dividend income would decrease, however the annual income from rebalancing positions in the portfolio could potentially increase significantly.
We once again received the client’s consent to switch to the new strategy and began a smooth transition. During this time the market significantly re-valued our Canadian companies in the portfolio and an opportunity appeared to record a good profit by selling our Canadian shares and adding other companies to the portfolio at good prices.
For the 3rd quarter of 2025 the dividends amounted to 269.15 dollars from 27 companies in the portfolio, which is less than in the previous quarter, however we exited the Canadian shares with a good profit.
As of the end of November 2025 our client received for 2025 10,888.25 dollars of profit before taxes (1132.97 dollars in dividends, and also 9755.28 dollars of profit was recorded from the shares sold this year).
The value of shares in the portfolio of our client as of the end of November 2025 exceeded 50,000 US dollars.
Plans for the future
Our client wants to finish his foreign contract in a year and return to Ukraine. He wants the income from his portfolio to cover all his basic expenses, including rent, so that he can devote more time to himself, family, hobbies.
We developed with our client a detailed step-by-step plan, which takes into account contributions from his side until the end of 2026, and then only the distribution of annual profit without contributions for the next 25 years, taking into account including partial reinvestment of profit, so that the portfolio of our client grows every year and generates every year even more income without additional actions from his side.
Together with our client we developed a detailed plan for the transition from the pension portfolio to his full-fledged family investment fund, where MAXXIMUS CAPITAL manages the assets, and our client receives annual dividends.
As soon as the portfolio of our client crosses the boundary of 100,000 US dollars, our client wants to gradually diversify the assets in the portfolio by adding to his own fund other assets besides stock ones, namely bonds, real estate, venture projects, etc.
MAXXIMUS CAPITAL is ready to help with this task as well, helping to form for our client a full-fledged personal diversified investment fund that would generate profit under any market conditions, and MAXXIMUS CAPITAL will take over all issues related to asset management so that our client can spend his time on what is truly important to him.