Search found 307 matches

by spdoublebass
Fri Feb 23, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 19
Views: 1378

Re: What to do when no Admiral shares? Expense Ratio (Total World)

friar1610 wrote:
Fri Feb 23, 2018 10:25 am

Just as an observation, I think you're making this all harder than it needs to be.
I totally Agree. I will not be converting anything. I'm fine with the mutual fund. I was just curious how things work. This thread though kind of got sidetracked on me.

Thanks for the above information.
by spdoublebass
Fri Feb 23, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 19
Views: 1378

Re: What to do when no Admiral shares? Expense Ratio (Total World)

Thank you all for the responses. I am aware of the arguments about splitting Total World up. I do like the simplicity of the one fund. That simplicity comes at a cost and I was just making sure it fell into the realm of low cost. It is a valid point though that if I were to complicate things with co...
by spdoublebass
Thu Feb 22, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 19
Views: 1378

Re: What to do when no Admiral shares? Expense Ratio (Total World)

As I was reading your thread that's what I was gonna suggest. But I would only do the MF to ETF conversion once a year. The difference between that and several times a year will be a pittance. (Just remember that you cannot convert back fro ETF to MF.) Just to be clear, when you say I cannot conver...
by spdoublebass
Thu Feb 22, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 19
Views: 1378

Re: What to do when no Admiral shares? Expense Ratio (Total World)

Please, excuse my thinking on the spot here, but I had an idea. (Cue horror music) I just read it's possible to convert from a Mutual Fund to its ETF version for free. Please note I'm only dealing with my ROTH IRA in this instance. Wouldn't it be possible to just keep say $5000 ($2000 over the minim...
by spdoublebass
Thu Feb 22, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 19
Views: 1378

Re: What to do when no Admiral shares? Expense Ratio (Total World)

I know I can split up Total World and I am happy with this fund over separating it. I've already made that decision.

I was more wondering what is high for ER's. I hear "any low cost" fund often, but never really thought about what that exactly means so I was curious.

Thank you for the reply's.
by spdoublebass
Thu Feb 22, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 19
Views: 1378

What to do when no Admiral shares? Expense Ratio (Total World)

I've read the past posts about ETF's vs Mutual Funds in the forum. I understand that the cost is not that significant to have Investor shares until you reach the 10K needed for Admiral Shares. My question is if there is no admiral shares yet, is the cost still minuscule? I have VT (ETF Total World) ...
by spdoublebass
Wed Feb 21, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4378

Re: Will REIT funds ever see another drawdown like 2008?

I'm always debating if I should own REIT's or not. Currently I do not hold them separately from TSM. I rent and possibly will for life, so I don't mind more exposer to this sector. When I read about them, I like that they function different then TSM, I'm not worried about the volatility, what concer...
by spdoublebass
Thu Feb 01, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Is this portfolio allocation reasonable?
Replies: 6
Views: 415

Re: Is this portfolio allocation reasonable?

Just a quick note, but please check everything I say, I’m still new to all of this and don’t typically give any advice. While I do like the Total World fund and invest in the ETF (VT, .11% ER) for my Roth IRA, I think you need to be careful of the Turnover % with a taxable account. Also, there was a...
by spdoublebass
Thu Jan 25, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3628

Re: 50% of my portfolio in FANG - 15% in NVDA

The point again is it doesn't matter if you invested some money in a stock like Amazon, in order to make it matter you have to bet very large amounts and risk going broke. I would disagree with that. A relatively small amount of money in an investment that does very well will matter greatly, given ...
by spdoublebass
Tue Jan 23, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k provide options and a thank you
Replies: 4
Views: 300

Re: Solo 401k provide options and a thank you

If I remember correctly... Vanguard has a 20$ yearly fee PER FUND. THey wave the fee at a certain amount. You can open the account without meeting any minimums, which is nice. You can also contribute any amount (greater than $5) to the fund without a transaction fee. I thought, but please correct th...
by spdoublebass
Mon Jan 22, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Global Stocks — Market Cap vs. Revenue Exposure
Replies: 13
Views: 1466

Re: Global Stocks — Market Cap vs. Revenue Exposure

As companies worldwide generate more and more of their revenues beyond their home country-of-domicile, there's an increasing disparity between the capitalization weights of the indexes in which we invest and the economic exposure of these indexes. This post summarizes the latest data published by M...
by spdoublebass
Fri Jan 19, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Best Index to follow Global Bond Market
Replies: 7
Views: 719

Re: Best Index to follow Global Bond Market

there's a debate in the rating agencies themselves whether a corporate can have a higher credit rating than its respective sovereign government. Not sure how that one has been worked out. EM corporate bonds is a fairly new market. I don't think there was much in issue until recent years. Yeah, I th...
by spdoublebass
Thu Jan 18, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Best Index to follow Global Bond Market
Replies: 7
Views: 719

Re: Best Index to follow Global Bond Market

The difference in amounts of emerging market government debt weighting in an index like Citi WBIG and in a fund like Vanguard's global bond is probably because the WBIG index tries to be all inclusive, while the fund follows an index for investment grade bonds only. The smaller amount of emerging m...
by spdoublebass
Wed Jan 17, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Best Index to follow Global Bond Market
Replies: 7
Views: 719

Re: Best Index to follow Global Bond Market

With equities, ETF: VT (Global Market) covers VTI (Total US) and VXUS (Total Int). I am not sure about bonds, BND (US) and BNDX (Int) are good enough for me. I think even just US Stocks and Bonds are "good enough" for most people. Thanks for the reply. As I stated in the OP, I’m not talking about i...
by spdoublebass
Wed Jan 17, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Best Index to follow Global Bond Market
Replies: 7
Views: 719

Best Index to follow Global Bond Market

I want to know what bond index is the best to track the Global Bond market in a general sense. I say general because I know each index excludes certain bonds. Through reading this forum I have come across a few ways of following this market. One way is through William Sharpe's Market Portfolio. In R...
by spdoublebass
Wed Jan 17, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 42
Views: 2745

Re: Do people in the forum hold foreign bonds?

FMNIX, Fidelity New Markets Income, is an emerging markets bond mutual fund that has existed for long enough to show what happened in 1998. Source https://imgur.com/lbW2oNp.png That is a -40% percent drop. In six months. In a "bond" fund. Just curious, is there an Emerging Markets Gov Bond index fu...
by spdoublebass
Sun Jan 14, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 12
Views: 1771

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

turnover % Do you know what's driving the high turnover percentage? For a passive fund like this I would have expected a much lower percentage. The prospectus is showing 15% turnover in 2016 on $6B of assets (nearly $1B of churn). The average annual turnover for the last five years has been 11.4%. ...
by spdoublebass
Sun Jan 14, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: More Funds More Rebalancing Opportunities?
Replies: 14
Views: 790

Re: More Funds More Rebalancing Opportunities?

I should perhaps apologize for asking a snarky question instead of offering the observation that: Rebalancing is not an opportunity but rather a chore. The function of rebalancing is to keep the asset allocation where it is intended. A great benefit of a total stock market fund is that the distribu...
by spdoublebass
Sun Jan 14, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: More Funds More Rebalancing Opportunities?
Replies: 14
Views: 790

Re: More Funds More Rebalancing Opportunities?

Why do you think rebalancing is an opportunity? I'm sorry I used a trigger phrase or word. I think you know what I mean. I didn't realize that SCV moved that differently from TSM those years. I thought they were much more correlated. What I think you mean is that there is some sort of tactic out th...
by spdoublebass
Sun Jan 14, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: More Funds More Rebalancing Opportunities?
Replies: 14
Views: 790

Re: More Funds More Rebalancing Opportunities?

dbr wrote:
Sun Jan 14, 2018 10:12 am
Why do you think rebalancing is an opportunity?
I'm sorry I used a trigger phrase or word.

I think you know what I mean. I didn't realize that SCV moved that differently from TSM those years. I thought they were much more correlated.
by spdoublebass
Thu Jan 11, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 12
Views: 1771

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

Indeed. I specifically remember one member here recommending a combo of total stock market along with VT for the international portion. It doesn't make any sense at all at that point, since already holding two funds. Keep international total international for taxable accounts! I hold VT, but I don'...
by spdoublebass
Wed Jan 10, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Interm. Invest-Grade vs. Interm. Corp Index
Replies: 2
Views: 200

Re: Interm. Invest-Grade vs. Interm. Corp Index

I'm not an advanced investor don't place any weight in my response. I think that the Intermediate Investment Grade fund in Actively managed. The Intermediate term corporate bond in an Index. This fund has lower ER but does have a purchase fee if I remember correctly. The ETF version of this fund, VC...
by spdoublebass
Wed Jan 10, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 4487

Re: Corporate bonds vs. Treasuries

This thread seems to have gone off the rails as it was originally about Treasuries vs Corporates, not bonds vs equities. I have had the same idea at OP and at some point plan to tilt toward Treasuries. I did some backtesting and found not only Treasuries but specifically long term Treasuries when p...
by spdoublebass
Tue Jan 09, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: More Funds More Rebalancing Opportunities?
Replies: 14
Views: 790

More Funds More Rebalancing Opportunities?

TSM was -10.57% in 2000 and -10.97% in 2001. Those same years SCV was up 21.88% and 13.70%. I know I'm selectively picking two years, but when I see that data it makes me want to hold some SCV to be able to rebalance into TSM/Internatioal. Is this rational? or does this not matter in the long run? F...
by spdoublebass
Tue Jan 09, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: How crucial are Admiral shares?
Replies: 6
Views: 1494

Re: How crucial are Admiral shares?

Search the forum for pros/cons of each provider for solo/individual 401K's. There are many threads. Every person has a different situation, so keep that in mind. Vanguard offers a Roth Solo 401K option that others do not...but again, for some people they have no need for this option. I went with Van...
by spdoublebass
Sun Jan 07, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Long Term Bonds as Alternative Asset Class (Not Fixed Income)
Replies: 11
Views: 993

Re: Long Term Bonds as Alternative Asset Class (Not Fixed Income)

I am not as well versed as others so don't give my opinion too much weight. I've thought about LT bonds a lot. I just can't seem to come up with a way to make them work. You are right, they would not be part of the Boglehead approach to why we hold bonds. That would mean that they would count as par...
by spdoublebass
Sun Jan 07, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Question about Data on JP Morgan Bond Chart
Replies: 2
Views: 179

Re: Question about Data on JP Morgan Bond Chart

Not all data series are that up to date, as in it takes time to gather all the data, or some sources don't allow others to publish the most recent updates. I notice that in JPM's 2017Q4 guide, it lists data for the end of 2017Q1, and for the 2017Q3 guide, it lists data for the end of 2016Q4: half a...
by spdoublebass
Sun Jan 07, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund Choice
Replies: 23
Views: 2773

Re: Emerging Market Bond Fund Choice

Just to be clear:

VEGBX/VEMBX= Is an emerging market bond fund made up of corporate bonds. This fund does not hold Government bonds.

VWOB/VGAVX= is emerging market Government Bonds only.



I read the overview and breakdown at Vanguard, but it just lists them both as foreign.
by spdoublebass
Sun Jan 07, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Question about Data on JP Morgan Bond Chart
Replies: 2
Views: 179

Question about Data on JP Morgan Bond Chart

I like to follow what market weight of stocks and bonds are through the quarters of the year. Not investing this way, I just follow it. JP Morgan Guide to the Markets released its new data found here: https://am.jpmorgan.com/blob-gim/1383407651970/83456/MI-GTM_1Q18_1.pdf?segment=AMERICAS_US_ADV&loca...
by spdoublebass
Sat Jan 06, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 2996

Re: Morningstar Premium for $99

You can use Xray and Chart any fund for free, what do you get beyond that? That's all I ever really needed. I was always curious what else there is, but never signed up for a free trial.
by spdoublebass
Sat Jan 06, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 1017

Re: TIAA traditional is compounded daily, but not at the displayed crediting rate

Thank you all. Very helpful. Sorry for being a little slow.

I like the fund because it guarantees a rate. Unless I'm missing something, I think it kind of works (for me anyway) better than a st bond fund. Although, VCSH (st corporate bond) could do better at times.
by spdoublebass
Sat Jan 06, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 1017

Re: TIAA traditional is compounded daily, but not at the displayed crediting rate

Yes, you all can now explain APY and APR to livesoft. Thanks. I guess that with a bond fund, the SEC yield is not an APY, while with an Ally savings account, the expressed interest rate is APY. TIAA traditional is neither a bond fund nor a savings account, so I'm not sure what I expected. I'm still...
by spdoublebass
Sat Jan 06, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 1017

Re: TIAA traditional is simple interest, not compounded

Tiaa states: TIAA Traditional Annuity accumulations are credited with interest based on when contributions and transfers are received, and your performance will reflect your pattern of contributions. The returns shown in the table reasonably represent what an individual making level monthly premiums...
by spdoublebass
Sat Jan 06, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 1017

Re: TIAA traditional is simple interest, not compounded

I have a little in this fund. I've always been confused by it. For my question I'm going to use easy small figures. Are you saying that say you have $1000 in TIAA Trad. with a guaranteed 3%. (I know I read your's is a little more, but doesn't matter for this example). The 3% is over 12 months. So 1/...
by spdoublebass
Sat Jan 06, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Gambling vs Investing
Replies: 23
Views: 1926

Re: Gambling vs Investing

Usually when people debate what to call something a resolution can be had by defining the terms at issue and seeing what comes out. This is very true. You need to define what each are for yourself. I follow horses (thoroughbred racetrack) closely. Full discloser, I probably bet under $50 a year. If...
by spdoublebass
Thu Jan 04, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Trying to understand opening and current ETF prices. (Not why did my fund suddenly drop in value)
Replies: 4
Views: 378

Re: Trying to understand opening and current ETF prices. (Not why did my fund suddenly drop in value)

Another issue, while it doesn't apply here: if the ETF paid a dividend, the daily change will be adjusted. If an ETF closed yesterday at $50, paid a $1 dividend, and is now trading at $49.30, it will report an increase of $0.30; if you held it yesterday, you are $0.30 ahead since you have a share w...
by spdoublebass
Wed Jan 03, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Trying to understand opening and current ETF prices. (Not why did my fund suddenly drop in value)
Replies: 4
Views: 378

Re: Trying to understand opening and current ETF prices. (Not why did my fund suddenly drop in value)

triceratop wrote:
Wed Jan 03, 2018 10:58 am
The 0-mark is not the open, but the previous market day's close (possibly adjusted for dividend). BND closed yesterday at $81.34.
Thank you for this info. I swear I googled this before I posted my question.

This makes perfect sense.
by spdoublebass
Wed Jan 03, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Trying to understand opening and current ETF prices. (Not why did my fund suddenly drop in value)
Replies: 4
Views: 378

Trying to understand opening and current ETF prices. (Not why did my fund suddenly drop in value)

Take BND (total bond ETF) for example. When I look at its opening price (for today) it’s listed as $81.43 However, its current price is $81.33. The +/- says 0. So if I’m reading this correctly, it’s saying the price hasn’t moved, but it has....its down 10 cents from the opening price. What am I miss...
by spdoublebass
Mon Jan 01, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 222
Views: 37769

Re: Bonds - Throw it all on the table!!!

I am curious how many Bogleheads simply use only one bond fund and have no need for any additional funds or complexity. I think I replied to a different thread, but here it is again anyway. I use two funds for stocks, so mentally, adding complexity to my bond funds help me not tinker with my stock ...
by spdoublebass
Thu Dec 28, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17797

Re: Buying Real Silver and Gold (Not Bitcoin)

To each their own, I'm not knocking what anyone decides to do, but for me I think you have to watch the overhead. Silver could go up, or it could go down. As mentioned above it doesn't pay a dividend. I don't know why, but I do pay attention to the price of Silver and Gold. What I've noticed is that...
by spdoublebass
Fri Dec 22, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: Invest equally in stock, bonds, and REITs (US & International)
Replies: 11
Views: 1058

Re: Invest equally in stock, bonds, and REITs (US & International)

This has been described as the Talmud Portfolio. I copied this from The White Coat Investors “150 portfolios that are better than yours” article. Portfolio 53: The Talmud Portfolio 1/3 Vanguard Total Stock Market Index Fund 1/3 Vanguard REIT Index Fund 1/3 Vanguard Total Bond Market Index Fund Appa...
by spdoublebass
Fri Dec 22, 2017 5:19 am
Forum: Investing - Theory, News & General
Topic: Invest equally in stock, bonds, and REITs (US & International)
Replies: 11
Views: 1058

Re: Invest equally in stock, bonds, and REITs (US & International)

This has been described as the Talmud Portfolio. I copied this from The White Coat Investors “150 portfolios that are better than yours” article. Portfolio 53: The Talmud Portfolio 1/3 Vanguard Total Stock Market Index Fund 1/3 Vanguard REIT Index Fund 1/3 Vanguard Total Bond Market Index Fund Appar...
by spdoublebass
Fri Dec 22, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17797

Re: Buying Real Silver and Gold (Not Bitcoin)

LOCAL COIN SHOP Spot = 16.26 ITEM WE BUY WE SELL SPREAD Silver Eagles 16.76 19.76 3.00 Maple Leafs 16.26 19.01 2.75 1 oz Silver Round 15.51 17.51 2.00 Silver Eagles sell at $3.50 over spot and buy back at $0.50 over spot. Maples Leafs sell at $2.75 over spot and buy back at $0.00 over spot. Generic...
by spdoublebass
Thu Dec 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17797

Re: Buying Real Silver and Gold (Not Bitcoin)

What I don't understand about gold and silver is what is an acceptable price to pay over spot? I read on these posts about the pros and cons of buying online vs in a store, but nobody says exactly what a good price is.... Today silvers spot price is $16.23 an oz., how much more then that should one ...
by spdoublebass
Wed Dec 20, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: The proper bond allocation
Replies: 30
Views: 4358

Re: The proper bond allocation

The Morgan Stanley guide to market is out, and brings an interesting data fact: How to properly weight your bond allocation!! US 38.9% Developed ex-US 41.7% Emerging 19.4% Given that BNDX has this allocation: 3.80% Emerging Markets 55.70% Europe 28.10% Pacific 0.30% Middle East 8.30% North America ...
by spdoublebass
Mon Dec 18, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Converting Individual Roth 401k to Roth IRA
Replies: 8
Views: 657

Re: Converting Individual Roth 401k to Roth IRA

I do not have an answer to your question, but you there is also this to consider. You didn't list the amounts or which funds you were dealing with, so I'm picking random things. Vanguard only lets you use investor share class of their funds and they also charge you $20 per fund unless you have $50K ...
by spdoublebass
Fri Dec 15, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Dividend Clarification
Replies: 12
Views: 638

Re: Dividend Clarification

VTI and VYM are not interchangeable. VYM carries much more concentrated positions in large "value" stocks than VTI. VYM also 'yields' nearly 63% more than VTI, 2.85% v. 1.76%. Any dividend pursuit strategy would be fundamentally different than a 3 fund strategy where the 3 are US stock, Internation...
by spdoublebass
Fri Dec 15, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 85
Views: 10448

Re: What is total return vs. dividend investing?

(lunch time) spdoublebass, In the accumulation stage most people like to use the TSM for a couple of reasons. It is more diversified & more tax friendly, in the accumulation stage (it's a growth fund). The High Dividend Yield Index fund in the accumulation stage is not as diversfied (405 stocks vs....
by spdoublebass
Fri Dec 15, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Dividend Clarification
Replies: 12
Views: 638

Re: Dividend Clarification

A quick stab at this. First, let me get on my soapbox... 1. Focus on Total Returns. Its viewpoint is logical and internally consistent. Focusing on Dividend Returns is alluring because it seems simple. However it contains hidden flaws that will blow up in your face in times of crisis. I do focus on...
by spdoublebass
Fri Dec 15, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Dividend Clarification
Replies: 12
Views: 638

Re: Dividend Clarification

Let me throw this out there: If both the total return investor and the dividend investor are invested in VTI, then they both get the dividend of VTI no matter what. Total Return investor takes the dividend money and buys more shares with it (reinvests the dividend). Income investors takes the divid...