10 US Stocks That Pay You Every Month (For Malaysian Investors)
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You can build a “monthly salary” in USD by holding US stocks that pay dividends every month instead of every 3 or 6 months.
This guide shows 10 popular US monthly dividend stocks, how much they recently paid per share, simple ratings (1–5 ⭐), and example income if a Malaysian invests RM10,000 with 30% US withholding tax deducted.
How Monthly Dividend Stocks Work for Malaysians
Most US companies pay dividends quarterly, but some REITs and BDCs pay every month, giving you smoother cash flow that feels closer to a side income.
As a Malaysian investing via brokers like Webull, your US stock dividends are usually taxed at 30% withholding tax at source, so you only receive 70% of the declared amount into your USD cash balance.
| Item | Details | Malaysia Impact | Quick View |
|---|---|---|---|
| Dividend frequency | Monthly (12x a year) for these stocks | More regular USD cash flow | Income smoothing |
| US withholding tax | Default 30% for Malaysian retail investors | You receive 70% of declared dividend | Affects net yield |
| FX (USD/MYR) | Dividends in USD, converted to MYR if withdrawn | Stronger USD = more MYR for you | Extra variable |
10 Monthly Dividend Stocks (With Ratings)
Below are 10 well-known monthly payers, using recent declared dividends around early 2026 as a reference and simple 1–5 ⭐ ratings that blend stability, yield, and risk for long-term income seekers.
Monthly dividend per share is the gross amount before US withholding tax; as a Malaysian you normally only receive about 70% of this into your brokerage account.
Monthly Dividend Stock Snapshot
| Stock | Type | Recent Monthly Dividend* | Approx Yield | Duitwise Rating |
|---|---|---|---|---|
| Realty Income (O) | REIT – retail properties | $0.270 per share / month | ~5–5.5% annual | ⭐ ⭐ ⭐ ⭐ ⭐ (core) |
| Main Street Capital (MAIN) | BDC – private credit | $0.26 per share / month (plus occasional bonus) | ~7–8% including special dividends | ⭐ ⭐ ⭐ ⭐ ⭐ (best pick) |
| AGNC Investment (AGNC) | mREIT – agency MBS | $0.12 per share / month | ~13–14% | ⭐ ⭐ ⭐ ⭐ (high yield, higher risk) |
| ARMOUR Residential REIT (ARR) | mREIT – residential | ~$0.24 per share / month (recent range) | ~16% | ⭐ ⭐ ⭐ (speculative) |
| Orchid Island Capital (ORC) | mREIT – high yield | ~$0.12 per share / month (subject to cuts) | ~18–19% | ⭐ ⭐ ⭐ (for thrill seekers) |
| Prospect Capital (PSEC) | BDC – credit & equity | ~$0.06 per share / month | ~15–17% | ⭐ ⭐ ⭐ (income but choppy history) |
| Ellington Financial (EFC) | mREIT / credit | ~$0.13 per share / month | ~12–13% | ⭐ ⭐ ⭐ (mid-risk income) |
| Capital Southwest (CSWC) | BDC – mid-market loans | ~$0.06 per share / month (plus specials at times) | ~11% | ⭐ ⭐ ⭐ ⭐ (solid but niche) |
| STAG Industrial (STAG) | REIT – warehouses | ~$0.123 per share / month | ~4% | ⭐ ⭐ ⭐ ⭐ (steady, lower yield) |
| LTC Properties (LTC) | REIT – healthcare / senior housing | ~$0.19 per share / month | ~6% | ⭐ ⭐ ⭐ ⭐ (defensive theme) |
*Dividend figures are approximate and based on recent declarations around early 2026; companies can change dividends at any time.
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US Withholding Tax: What Malaysians Actually Receive
By default, US brokers withhold 30% tax on dividends for Malaysian residents because there is no double-tax agreement that lowers the rate for individuals.
If a stock declares $100 of dividends to you in a month, you typically see only $70 credited in your USD cash, and your effective dividend yield becomes 70% of the headline yield you see on US websites.
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Example: RM10,000 Into Monthly Dividend Stocks
Let’s estimate how much monthly income a Malaysian might get from RM10,000 invested in a single stock, assuming USD/MYR = 4.50 and using the recent dividend amounts above as a simple guide (ignoring price changes and fees).
We convert RM10,000 ≈ USD 2,222, then estimate how many shares you can buy and the corresponding gross and net (after 30% tax) monthly dividends in both USD and MYR.
Example Monthly Income Scenarios (Per RM10,000)
These rough calculations use rounded share prices (for illustration only) and assume you invest the full USD amount into a single stock; real results will differ based on live prices and FX, which you can refine using the Duitwise calculator later.
| Stock | Assumed Price | Est. Net Monthly Dividend |
|---|---|---|
| Realty Income (O) | Price ≈ $65, Dividend ≈ $0.27 / share / month | RM10,000 → ~34 shares → gross ≈ $9.18 → net after 30% tax ≈ $6.43 ≈ RM29/month |
| Main Street Capital (MAIN) | Price ≈ $57, Dividend ≈ $0.26 / month | RM10,000 → ~39 shares → gross ≈ $10.14 → net ≈ $7.10 → ~RM32/month |
| AGNC Investment (AGNC) | Price ≈ $9, Dividend ≈ $0.12 / month | RM10,000 → ~246 shares → gross ≈ $29.52 → net ≈ $20.66 → ~RM93/month |
These examples show how “safer” names like O and MAIN give lower but steadier income, while higher-yield mREITs such as AGNC can generate more monthly cash but come with higher price and dividend risk.
Should You Build a Monthly Dividend Portfolio?
Monthly dividend stocks can be a useful piece of your USD income strategy, especially if you like the idea of frequent payouts that you can either withdraw or reinvest.
For Malaysian investors, always factor in the 30% US withholding tax, FX movements, and the risk level of each stock; combining stable names like O, MAIN, STAG, and LTC with a smaller allocation to higher-yield picks such as AGNC or PSEC can balance income and volatility over time.
💡 Pro Tip: Use the Duitwise US Stocks Brokerage Comparison calculator to calculate fees, stamp duty before you buy — Calculate US Stock Fees here →
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Final Thought
Treat monthly dividend stocks as tools, not guaranteed salaries: focus on quality first, yield second, keep your expectations realistic, and let time and compounding work in your favour.
⚠️ Important Disclaimer
This article is for informational purposes only and does not constitute financial advice.
- Dividend amounts, prices and FX rates change over time; examples here are estimates only based on recent publicly available data.
- Past dividend payments do not guarantee future dividends, yields or capital gains.
- Investing in REITs, BDCs and high-yield stocks involves risk, including possible dividend cuts and loss of capital.
- Always read the full terms and do your own research before moving your money.
- Consult a licensed financial advisor for personalised investment advice.
Duitwise does not take responsibility for any investment decisions made based on this article.
References
- Realty Income dividend information — realtyincome.com, DividendMax, Zacks
- Main Street Capital dividends — mainstcapital.com press releases and dividend history
- AGNC and other monthly dividend stocks — DividendMax, SureDividend, various market data sources
- General guidance on US withholding tax and dividend investing — public US tax and brokerage disclosures