₹1 lakh in dividends from my portfolio in FY2025–26. Before you say, “That’s just a 2% yield on a ₹50 lakh portfolio”… Remember: this is not a dividend-focused portfolio. It’s a concentrated portfolio built for capital appreciation, with dividends being a bonus. Here’s the mindset shift that changed everything for me: I don’t think of the ₹1 lakh as “dividend income.” I think of it as my kids’ school fees being paid by my portfolio. That simple mental model makes every dividend feel meaningful. It has also motivated me to gradually build a separate dividend-income portfolio that can eventually cover more recurring family expenses. If you’re an investor, try assigning your dividends to something personal: • Kids’ education • Insurance premiums • Annual vacation • Parents’ healthcare • Utility bills Suddenly, investing becomes much more tangible. What does your dividend income pay for?