Introducing Dividend Insights: see what your portfolio pays you

Now, the answer lives right in your Lightyear app. Dividend Insights adds two new views to your portfolio insights: one looks ahead at what your current holdings could pay, the other looks back at what you've already received.

Open your portfolio and tap the Insights icon to see an estimate of the yearly dividend income from the holdings you have today.

• Your estimated yearly income, broken down. See the annual figure, plus what it works out to per month, week and day. Those smaller figures are the yearly estimate split evenly. Most companies pay dividends quarterly or less often, so real payouts arrive in bigger, less frequent chunks.
• Two yields, side by side. Current yield is your estimated income as a percentage of what your holdings are worth today. Yield on cost is the same income as a percentage of what you paid, based on your average buy price.
• Your income earners, ranked. Every dividend-paying holding, ordered by how much yearly income it's expected to bring in, so you can see which ones do the heavy lifting.

The second view is your dividend history, all in one place.

• A month-by-month chart. Swipe through your payouts year by year, or jump straight to a year with the year picker.
• Your all-time total. The total you've received from dividends on Lightyear, plus a breakdown of every month with a payout.
• Shown as it landed. Amounts are after any withheld tax, converted into your account currency at the exchange rate from the day each dividend arrived.

For each holding, we multiply its current value by its dividend yield, then add everything up. For stocks, we use the yield based on the latest declared dividend (or the past 12 months if that isn't available). For funds, we use the past 12 months of distributions.

A few things to keep in mind:

• Amounts are presented after the dividend withholding tax we'd apply to your account, not any further tax you may owe or reclaim.
• Future payouts are converted at today's exchange rate, before any currency conversion fees.
• Holdings without dividend data aren't included, and neither is Savings.
• The estimate assumes values and dividend yields stay the same. In practice they won't: companies can raise, cut or pause dividends at any time, and prices move.

So treat the number as a useful guide, not a promise.

Open your portfolio in the Lightyear mobile app and tap the Insights icon.

If you've built your portfolio around dividends, you want to know what it's producing without doing the maths yourself. Dividend Insights gives you that picture in one tap.