When do we think about investing in ISA shares and shares in the scope of passive income, what comes to mind? Actions paying a enduring annual dividend, without uncertainty from year to year? When we achieve the stage of lowering our income, it may make sense.

When I get there, I expect that I will have most of my investments Dividend hero Investment trusters, like City of London Investment Trust AND Murray Income Trust. They sailed with payments for at least 50 years in a row. And they usually pay dividend profitability of 4.5% to 5%.

But I would put most people who read this are still in the gathering phase. We reinvest in our annual dividends in more shares to maximize our possible pool, right? If we are at this stage, who cares, how do dividends change? Long -term phrases are certainly everything that matters.

The best sectors

I intend to continue to invest in my favorite sectors, even those that can be cyclical and unstable. At the moment I think that the insurance business looks particularly good. I have an eye AvivaIN Phoenix Group HoldingsAND Legal and general (LSE: LGGE).

Insurance supplies can be tough to assess typical valuation measures, such as the price ratio to profit (P/E). In Legal & General, the analysts have it at the age of 15, falling to 9.5 based on forecasts 2026. This seems fine. But I am more interested in liquidity measures that can have a greater impact on the ability of an insurance company to pay dividends.

Halfway, the company reported a range of 223%, with a surplus of 897 million GBP. We have seen that the short-lived dividend increased by 5%, with an 8.8%pension forecast. We also have a purchase of shares worth 200 million pounds.

Cyclical actions are particularly tough to predict. And the dividend covering by earnings falls in love FTSE 100 Actions that can stop investors away from some of the highest crops. But for passive investors expecting at least a decade, I think it can be good to consider to build a pot. This is on my list.

From cooking

Home construction supplies such as Persimmon AND Taylor Wimpey (LSE: Your) resign from earlier profits 2024. Taylor Wimpey dropped by 30% compared to a 52-week-old amount. Is this a recent opportunity for inexpensive purchase before the sector returns to a long -term trend up?

Because interest rates do not fall as quickly as I expected, I will see the reasons for the inheritance. Taylor Wimpey has a forecast 8% dividend performance. But it depends largely on the cash from completing the house and they fall. In the full annual update on January 16, the company reported 9972 the completion of Great Britain, compared to 10 356 in 2023, and 2023 stopped in 2022.

Until we see a earnest escalate in these numbers, I am afraid that the price of Taylor Wimpey’s action may remain low. But at least the company’s order book was up to 1,995 million GBP as at December 31, from 1,772 million GBP last year.

And the general director of Jennie Daly noticed that the finishes were actually “towards the upper end of our scope of the instructions.“

Despite the possible pressure of dividend in 2025, I seriously consider buying some to add to my domestic homes.