Search found 5841 matches

by avalpert
Fri Oct 20, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: One Total Market Index Fund vs Three Different Cap Index Fund
Replies: 2
Views: 152

Re: One Total Market Index Fund vs Three Different Cap Index Fund

You have a decent tilt to the small risk factor - you should have higher expected returns and higher risk with that portfolio. Whether that additional risk is appropriate for your needs I couldn't tell you. The notion that rebalancing leads to 'buying low and selling high' is mostly mythology - for ...
by avalpert
Thu Oct 19, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Self-directed solo 401k
Replies: 4
Views: 315

Re: Self-directed solo 401k

Direct him to Discountsolo401k.com - they can set up a plan that gives him complete control over how he chooses to invest (which includes the control to invest in a way that violates regulations) for fairly low cost ($550 to setup, $100/year to maintain plan documents). He would then set up a checki...
by avalpert
Thu Oct 19, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 26
Views: 3228

Re: Why is inflation so low? Moore's law?

Low inflation is necessary to accommodate the decline in real wages occurring in the US and developed economies. That doesn't make much sense - real wages are already adjusted for inflation so why would it matter if a 2% decline in real wages was adjust for 4% inflation or 6% inflation? You also mi...
by avalpert
Thu Oct 19, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Russell Index 3000 was the old index under the old ticker. With the new ticker they will be tracking the SSGA total market index . Why would they track their “own” index? I assume to save money and control costs in their own interest. I wouldn’t want to be a guinea pig to find out how much tracking...
by avalpert
Thu Oct 19, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 55
Views: 8161

Re: Amazed by Vanguard Wellington's Performance

Compared to Vanguards own chosen blended benchmark index Wellington hasn't had any meaningful outerpformance over the last decade (it underperformed over 3 and 5 years), when I compare it to a 65/35 mix of Vanguard's Total Market and Total Bond funds I don't see any outperformance our better risk c...
by avalpert
Thu Oct 19, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 55
Views: 8161

Re: Amazed by Vanguard Wellington's Performance

Compared to Vanguards own chosen blended benchmark index Wellington hasn't had any meaningful outerpformance over the last decade (it underperformed over 3 and 5 years), when I compare it to a 65/35 mix of Vanguard's Total Market and Total Bond funds I don't see any outperformance our better risk ch...
by avalpert
Thu Oct 19, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 16
Views: 1214

Re: Regular Taxable Accounts vs Tax-Advantaged

The Wizard wrote:
Tue Oct 17, 2017 8:41 am
With my tax deferred accounts, I am able to convert qualified dividends, which would be taxed at 15% in a taxable account, into Ordinary Income, which is federally taxed at 25-28% in my case...
This is incorrect - please see my above post.
by avalpert
Thu Oct 19, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 16
Views: 1214

Re: Regular Taxable Accounts vs Tax-Advantaged

Thank you for the in depth response - some reactions in blue. 7. Is it the case that with some tax-deferred accounts, withdrawals could be taxed at 25% (or whatever the ordinary income tax bracket is) while in a taxable account, they’d only be taxed at 15% (or whatever the capital gains bracket is)...
by avalpert
Thu Oct 19, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

“Broad based direct replacements”. What total market index will the spdr funds be tracking? Regards, John https://us.spdrs.com/en/strategies/spdr-portfolio-low-cost-etfs/view-all-spdr-portfolio-etfs With respect to SPTM: The SPDR Portfolio Total Stock Market ETF seeks to provide investment results ...
by avalpert
Thu Oct 19, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

“Broad based direct replacements”. What total market index will the spdr funds be tracking? Regards, John https://us.spdrs.com/en/strategies/spdr-portfolio-low-cost-etfs/view-all-spdr-portfolio-etfs With respect to SPTM: The SPDR Portfolio Total Stock Market ETF seeks to provide investment results ...
by avalpert
Thu Oct 19, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Am I the only one that thinks this is kind of insidiously bad? No, you're not! The old commission-free ETF list followed a central philosophy, that TDA delineated as follows: “A better way to invest in ETFs” “100+ commission-free ETFs from leading providers with Morningstar research and ratings and...
by avalpert
Thu Oct 19, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Am I the only one that thinks this is kind of insidiously bad? No, you're not! The old commission-free ETF list followed a central philosophy, that TDA delineated as follows: “A better way to invest in ETFs” “100+ commission-free ETFs from leading providers with Morningstar research and ratings and...
by avalpert
Thu Oct 19, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?
Replies: 5
Views: 309

Re: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?

No, it doesn't mute the diversification value - it is exactly how you realize the diversification value. What it mutes is the possibility of getting the upside of the next dominant player in a sector without the also taking on the downside of incumbents that lose market share - that is the opposite ...
by avalpert
Thu Oct 19, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 11
Views: 956

Re: TD Ameritrade fund replacement

I don't see the point of swapping existing holdings. If I were to be at TDA long-term as my sole brokerage, I would keep what I had and put new money in the ones from the updated list. I don't mind "complexity" so if I hold more than one ETF in an asset class, it doesn't bother me. For the most par...
by avalpert
Wed Oct 18, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Solo 401k Salary Deferral (How to)
Replies: 15
Views: 724

Re: S-Corp Solo 401k Salary Deferral (How to)

The earliest you can make W-2 employee deferrals is the first pay period after the effective date of the one-participant 401k and the date employee deferral election that is on compensation not already received. The latest you can make W-2 employee deferrals for this year is a "pay date" on or befo...
by avalpert
Tue Oct 17, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14431

Re: Dividends vs. Capital Gains for Spending Needs?

Triceratop, In my statement I was responding to the conversation that PKCrafter & Dbr were having concerning "qualities & preferences" in the dividend puzzle. I was trying to say that I understand why investors are confused about dividends. I consider myself very logical. Before I started investing...
by avalpert
Tue Oct 17, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Solo 401k Salary Deferral (How to)
Replies: 15
Views: 724

Re: S-Corp Solo 401k Salary Deferral (How to)

The employee deferral has to come from your W2 paycheck - if you raise your salary in order to fund the deferral you will have to pay payroll taxes on that. I don't believe you need to spread it out over the year and could just issue higher paychecks for the next couple of months to accomodate.
by avalpert
Tue Oct 17, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14431

Re: Dividends vs. Capital Gains for Spending Needs?

Well if I pay 33% federal tax interest rec'd pays that amount. If I acquire a qualified dividend fund I would pay 15% federal tax on dividends rec'd and still have equity exposure, low beta, and a 4% income. Now that's bias towards income receipts but doesn't really affect my long stock allocation ...
by avalpert
Tue Oct 17, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14431

Re: Dividends vs. Capital Gains for Spending Needs?

I just put a lot of money into the TSM Fund so I could get exposure to the whole market. And to reduce (dividend taxes) in the future. The TSM fund will probably work out better for me over the long haul. I' am trying to get a super efficient portfolio. However, I see both sides of the coin... :thu...
by avalpert
Tue Oct 17, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

I doesn't just seem financially inconsistent, it seems completely reactionary. It comes across as one of those customers that thinks everything should be free for them and as soon as it isn't they blame the company as if it was a personal attack. Why shouldn't we act this way? Companies don't gener...
by avalpert
Tue Oct 17, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

I doesn't just seem financially inconsistent, it seems completely reactionary. It comes across as one of those customers that thinks everything should be free for them and as soon as it isn't they blame the company as if it was a personal attack. Expects everything to be free for them... because th...
by avalpert
Tue Oct 17, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by avalpert
Tue Oct 17, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by avalpert
Tue Oct 17, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by avalpert
Tue Oct 17, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

Hi Guys, I'd encourage everyone to call TDA and let them know of your disappointment for taking vanguard ETFs commission free status away. I just called them and let my representative know this pushes me significantly further away from TDA and that I am now considering liquidating all assets from T...
by avalpert
Tue Oct 17, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6766

Re: Anyone taken a mid-career sabbatical?

Reviving this old thread. My work allows for 3-month unpaid personal leaves. They would continue to pay health insurance, and I would have my job when I get back. I'm considering taking a leave next summer. My situation is a bit different than others in this thread though -- I have two youngish kid...
by avalpert
Mon Oct 16, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

Currently I have most of my HSA at TDA invested in the Vanguard Total Bond Market Index ETF (BND). Is there an equivalent to BND in the new ETF lineup? I took a glance and couldn't identify any based on name; the ones that seem sort of close also have exciting things in the name that turn me off ("...
by avalpert
Mon Oct 16, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2350

Re: Joining Federal Service - A No-Brainer?

Is this you speaking or her speaking? Does she want to restrict her search to government jobs? Does she want a government job at all? In the list of considerations in choosing her next job (particularly one you think she might be in for decades), accruing a deferred annuity is far down the list of w...
by avalpert
Mon Oct 16, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

This is disappointing, but am I the only one who will stay? How often are you buying/selling/rebalancing? I do it a couple times a year, and at $7 a trade, this isn’t too bad. I doubt I'd pull all my accounts out, there are viable options on the new free list for most of my core investments and I p...
by avalpert
Mon Oct 16, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 16
Views: 1214

Re: Regular Taxable Accounts vs Tax-Advantaged

The gist of my question: Is it OK for certain investors in unusual cases to invest via traditional, regular, “taxable” accounts and never invest in tax-advantaged accounts (like 401Ks, IRAs, or Roth accounts)? Explanation: I have been trying to better learn investing theory in order to better manag...
by avalpert
Mon Oct 16, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Giving Less in Dividends than Competitors?
Replies: 13
Views: 1987

Re: Vanguard Giving Less in Dividends than Competitors?

The UBS guy is a disingenuous snake at best and downright ignorant at worst - do not go to him for investment advice. Funds have little discretion on whether to distribute dividends received or not. Comparing two funds dividend yield, other than for the purpose of determining tax cost impact, is irr...
by avalpert
Mon Oct 16, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12044

Re: Bogle thinks markets are fully valued

And yet, the results speak for themselves. She is STILL worth $100s of MMs and is one of the "Sharks" on Shark Tank. I know who I'll be calling for advice 8-) Yes, if you want to learn how to turn being a real estate investor into becoming a TV personality she is definitely a good one to call - but...
by avalpert
Mon Oct 16, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12044

Re: Bogle thinks markets are fully valued

... This is so 90's infomercial - I think I'll just make my fortune in Showtime Rotisserie Grills... Worse than infomercial, CNBC used to have a show " The Millionaire Inside ", I vividly remember in 2007 Barbara Corcoran (now famous for Shark Tank) being on the show bragging about having real esta...
by avalpert
Mon Oct 16, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1167

Re: Employer Listens To Brokerage Calls?

I would say your employer is as interested in tracking down your conversations with your broker as a random person is spending their time trolling a straightforward financial advice forum - oh, wait.

Really, how do you get any enjoyment out of this endeavor, I really don't get it.
by avalpert
Mon Oct 16, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

It really doesn't look that bad at all. The new State Street portfolio funds are added low cost competition - that is a good thing - and seem to cover all the broad categories. Of my core funds, the only one that I currently buy there with no commission that I don't see a great replacement for me i...
by avalpert
Mon Oct 16, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

jhfenton wrote:
Mon Oct 16, 2017 9:45 am
deltaneutral83 wrote:
Mon Oct 16, 2017 9:43 am
So how much longer will VTI be traded commission free on TDA, or is it a already over?
It should be at least 30 days from when they make the change official.
Right, I'm going to call them later today to confirm.
by avalpert
Mon Oct 16, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 304
Views: 14549

Re: Fellow TDA bogleheads

It really doesn't look that bad at all. The new State Street portfolio funds are added low cost competition - that is a good thing - and seem to cover all the broad categories. Of my core funds, the only one that I currently buy there with no commission that I don't see a great replacement for me is...
by avalpert
Mon Oct 16, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1874

Re: Bonds v. bond funds

My understanding is that another concern with bond funds is that the yield is not guaranteed. That's aside from the risk of the value of the fund itself dropping, and so it's particularly a concern if you are using the bond fund yield to live on. My understanding is that if you buy a bond yielding ...
by avalpert
Mon Oct 16, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1874

Re: Bonds v. bond funds

- be diluted because the bid-ask spreads on the sold bonds but not on the fund shares for redeeming investors. NAV is calculated with the mid price, but say for argument the mid is 100 and the bid-ask is 99-101, then the bonds will be sold at 99, but the redeeming investor will get an NAV assuming ...
by avalpert
Mon Oct 16, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1874

Re: Bonds v. bond funds

Of course, the principal of an individual bond does fluctuate. The 'principal' doesn't fluctuate (whether an individual bond or for the bonds held by a fund) but the value does. My guess is a lot of the confusion between individual bonds and funds is in one you see the changing value every day and ...
by avalpert
Mon Oct 16, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12044

Re: Bogle thinks markets are fully valued

... This is so 90's infomercial - I think I'll just make my fortune in Showtime Rotisserie Grills... Worse than infomercial, CNBC used to have a show " The Millionaire Inside ", I vividly remember in 2007 Barbara Corcoran (now famous for Shark Tank) being on the show bragging about having real esta...
by avalpert
Mon Oct 16, 2017 12:04 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12044

Re: Bogle thinks markets are fully valued

Not buying it. No matter what the reason, pulling money out of the market when the market is up is timing the market. In scenario A the only reason one would sleep better at 60% is because they know they'd lose less in a crash (and hence be able to buy more at that time as well). In B they're just ...
by avalpert
Sun Oct 15, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12044

Re: Bogle thinks markets are fully valued

I don't think it's market timing to take money out because you think you're over exposed in stocks and you want to be in a less risky position. To me, market timing involves selling because you think you'll be able to buy it back later for cheaper. I think there's a subtle yet distinct difference i...
by avalpert
Sun Oct 15, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2086

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

To me, the main concern is that old employer insurance ends in August month while new enrollment at companies are on calendar month of jan to dec. Would this be considered an event that you can enroll at new employer next august (2018) or 2019 august? Yes, former HR manager here. Losing other cover...
by avalpert
Sun Oct 15, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 43
Views: 5704

Re: should I buy in Record High? S&P 500

3funder wrote:
Sun Oct 15, 2017 9:41 pm
If you're going to buy on a regular basis, then yes, buy. Also, I think you're best served by keeping things simple; don't worry about the small caps. Over the long haul, TSM & 500 Index Fund perform similarly.
How is using the 500 index any simpler than using a TSM index?
by avalpert
Sun Oct 15, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1874

Re: Bonds v. bond funds

I think I'm still missing something, or something wasn't explained. I have two baskets of bonds. Basket A held in a fund and Basket B held in my brokerage account. The bond market craters 50% on Black Monday. My fellow fund owners all scream SELL MORTIMER SELL, and the bond manager liquidates to pa...
by avalpert
Sun Oct 15, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3163

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Which is more diversified: a basket of 200 stocks of small companies, all in the same line of business, or a massive conglomerate with 200 divisions, each in a different line of business? Definitely 200 small companies,one scandal in one corporation can bring down 200 divisions of one company A dow...
by avalpert
Sun Oct 15, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14431

Re: Dividends vs. Capital Gains for Spending Needs?

I have a preference for dividends but I don't chase them and I don't buy investments just for their yield. The market does a pretty good job setting prices, I know people who have chased yield too hard only to see the value of their securities decline over time. What the extra yield giveth, decline...
by avalpert
Sun Oct 15, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14431

Re: Dividends vs. Capital Gains for Spending Needs?

Some opinions and questions: I recognize that dividend payments are simply part of total return, and that it to first order it shouldn't matter mathematically whether the total return is from dividends or buybacks/capital gains. I further recognize that an investor should not chase yield and should...
by avalpert
Sun Oct 15, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14431

Re: Dividends vs. Capital Gains for Spending Needs?

I have a preference for dividends but I don't chase them and I don't buy investments just for their yield. The market does a pretty good job setting prices, I know people who have chased yield too hard only to see the value of their securities decline over time. What the extra yield giveth, decline...