Search found 3059 matches

by hoops777
Mon May 18, 2020 9:49 am
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

hoops- Why not just buy the SCHD fund which you have been eyeing for months? In April you wrote: "I HEREBY DECREE BY THE POWER INVESTED IN ME BY MY OWN DELUSIONS TO MAKE THIS THE LAST DIVIDEND THREAD EVER RECORDED ON THIS SITE. THANK YOU. I have seen both viewpoints over and over and over and over ...
by hoops777
Mon May 18, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

mega317 wrote:
Mon May 18, 2020 8:32 am
hoops777 wrote:
Sun May 17, 2020 3:48 pm
One question and I do not want to start the usual back and forth about this.
Considering we are now on tax timing and 50% stock crashes, neither having anything to do with your question , I'd say this was a fail. Nice try though!
:D I guess I should have asked the question more clearly.
by hoops777
Mon May 18, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

But it will not be a zero tax rate in most states or if you get an ACA tax credit. But even if you don’t use individual insurance and live in a state without income tax, you still miss the tax loss harvesting of the mutual fund withdrawals made when the market was down in the example if harvesting ...
by hoops777
Sun May 17, 2020 9:45 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

Nate79 wrote:
Sun May 17, 2020 9:37 pm
Has it been a week already since the last dividend vs total return thread? It's always the same discussion

Deleted
by hoops777
Sun May 17, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

All things equal, total return/selling your own shares wins (dividends lose you more money because they are taxed more). Would the answer be different if the dividend stocks were in a Roth account. No taxes on the dividends. Yes. When taxes are not a factor (retirement accounts), the two situations...
by hoops777
Sun May 17, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

Since you used the term "quality", most "quality" dividend funds are actually dividend growth funds, and don't yield 3.6%. SCHD,VEIPX have both been there recently,or very close. SCHD definitely even higher. I don't know about the others but VEIPX is not considered to have a "quality" weighting. Va...
by hoops777
Sun May 17, 2020 9:34 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

I changed the question to owning one stock,ATT ,a few posts back to eliminate the confusion of owning different things.I really am interested in the answer if someone has one. Thanks Your ATT hypothetical is nonsense. One investor gets 7% in dividends. The other gets the same 7% in dividends and se...
by hoops777
Sun May 17, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

I changed the question to owning one stock,ATT ,a few posts back to eliminate the confusion of owning different things.I really am interested in the answer if someone has one. Thanks
by hoops777
Sun May 17, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

I just want to here the reasoning for my peace of mind. This is rather hard to demonstrate in a way that will satisfy anyone who doesn't already agree. But over a long period of time, if two funds have different dividends but equal total return, then the one who isn't selling shares has more shares...
by hoops777
Sun May 17, 2020 7:27 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a qual...
by hoops777
Sun May 17, 2020 5:52 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

Ok. My main question is does the fact that you sold shares every month for 5 years and I did not matter at all? I'm wondering what the person who is selling shares every month is doing with the dividends received? Reinvesting? Spending.Income. Ok. So then that person is ALSO taking dividends and se...
by hoops777
Sun May 17, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

I just want to here the reasoning for my peace of mind. This is rather hard to demonstrate in a way that will satisfy anyone who doesn't already agree. But over a long period of time, if two funds have different dividends but equal total return, then the one who isn't selling shares has more shares...
by hoops777
Sun May 17, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

JediMisty wrote:
Sun May 17, 2020 4:58 pm
hoops777 wrote:
Sun May 17, 2020 4:43 pm
Ok.
My main question is does the fact that you sold shares every month for 5 years and I did not matter at all?
I'm wondering what the person who is selling shares every month is doing with the dividends received? Reinvesting?
Spending.Income.
by hoops777
Sun May 17, 2020 4:56 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

Many years ago I was exposed to a lot of dividend investing rhetoric and one of the big points was you never have to sell shares when the market is down.
I think this has been debunked here in terms of having any effect on your total investment, I just want to here the reasoning for my peace of mind.
by hoops777
Sun May 17, 2020 4:44 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a qual...
by hoops777
Sun May 17, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Re: Dividend vs Total Return question

Ok.
My main question is does the fact that you sold shares every month for 5 years and I did not matter at all?
by hoops777
Sun May 17, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2915

Dividend vs Total Return question

One question and I do not want to start the usual back and forth about this. Please clearly explain this one thing that bothers me to no end. You have 100,000 to invest. I have 100,000 to invest. You invest it in the total mkt and take out 300 dollars per month selling shares. I invest it in a quali...
by hoops777
Sat May 16, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

Very true. We all make our own choices and everyone has their own needs,desires and risk tolerance. To each their own.
by hoops777
Sat May 16, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

If someone has been successful enough and smart enough to think about retiring very early, they should know the figure they need to be certain they do not have to find a job when they are 63 or whatever. If you are leaving that open as a possibility you are creating stress whether you know it or not.
by hoops777
Fri May 15, 2020 9:16 pm
Forum: Personal Investments
Topic: Size of Roth conversion
Replies: 15
Views: 1256

Re: Size of Roth conversion

Great suggestions and info. Thank you.
I was considering going about 50 K into the 22 pct bracket but it is a tough call for me. I think I may do it if the market retraces back close to the lows in March.
by hoops777
Thu May 14, 2020 9:08 pm
Forum: Personal Investments
Topic: Size of Roth conversion
Replies: 15
Views: 1256

Re: Size of Roth conversion

Thank you.
by hoops777
Thu May 14, 2020 6:18 pm
Forum: Personal Investments
Topic: Size of Roth conversion
Replies: 15
Views: 1256

Re: Size of Roth conversion

At first glance, yes, you should be doing Roth conversions. But of course there are more questions to answer before a recommendation could be made. Your total income is currently $30k? After the standard deduction for a joint filing, you’re in the 10% bracket, not twelve You can convert ~$70k per y...
by hoops777
Thu May 14, 2020 6:12 pm
Forum: Personal Investments
Topic: Size of Roth conversion
Replies: 15
Views: 1256

Re: Size of Roth conversion

rkhusky wrote:
Thu May 14, 2020 5:26 pm
How much do you need to live on? That is, how much more beyond RMD’s will you need to withdraw? And will that be from taxable or Traditional IRA/401k?
When we start taking RMDs all of our spending will be covered by those and SS.
Any additional would come from taxable.
by hoops777
Thu May 14, 2020 5:13 pm
Forum: Personal Investments
Topic: Size of Roth conversion
Replies: 15
Views: 1256

Size of Roth conversion

Looking for advice on our Roth conversion amount. I am 68 and wife is 70,both retired. We are in the 12 pct tax bracket. Our combined SS now is almost 30K and I am on spousal benefits. When I turn 70 our combined SS will be 60K. When I turn 72 our combined RMDs will be about 32,000. Should I go into...
by hoops777
Thu May 14, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

"But all of those people aren't employed. We have totally new jobs that simply didn't exist before. Heck, many of today's jobs didn't exist just 20 years ago." I agree - the problem is that many people will not adapt to new jobs/skills/careers and that will leave them out of luck. Not a day goes by...
by hoops777
Thu May 14, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

"But all of those people aren't employed. We have totally new jobs that simply didn't exist before. Heck, many of today's jobs didn't exist just 20 years ago." I agree - the problem is that many people will not adapt to new jobs/skills/careers and that will leave them out of luck. Not a day goes by...
by hoops777
Wed May 13, 2020 9:54 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

I do not share the overconfidence of many about the 4 pct rule in general. 3 months ago we were all living our normal lives. Look at us now. The effects of this pandemic are going to be long term. Just think how many major companies will change permanently on issues like working from home. Jobs tha...
by hoops777
Wed May 13, 2020 9:30 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

I would certainly be conservative and err on the side of caution. The world from 2000 to 2020 is not the world from 2020 to 2040. No one in their right mind would dispute that the markets are going to perform differently in the future than the past. Even when it 'rhymes', no two periods ever look i...
by hoops777
Wed May 13, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

Another good vid from Mr. Felix https://youtu.be/3BScK-QyWIo He didn't touch on 50x annual expense concept that been discussed on here. It's not that complicated for early retirement planning. In my mind, there are 2 basic steps: 1) Pick your SWR. 4% if you can't save that much. 3% if you can save....
by hoops777
Wed May 13, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15823

Re: Ben Felix - How to Retire Early (The 4% Rule)

I do not share the overconfidence of many about the 4 pct rule in general. 3 months ago we were all living our normal lives. Look at us now. The effects of this pandemic are going to be long term. Just think how many major companies will change permanently on issues like working from home. Jobs that...
by hoops777
Sun May 10, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Thoughts currently on VCAIX?
Replies: 5
Views: 382

Re: Thoughts currently on VCAIX?

Who knows what is going to happen with anything now.
by hoops777
Sun May 10, 2020 5:11 pm
Forum: Investing - Theory, News & General
Topic: Thoughts currently on VCAIX?
Replies: 5
Views: 382

Thoughts currently on VCAIX?

I have been thinking of getting out and this might be a good time since prices have recovered some.
Any guesses on the direction of this fund with all the state expenditures with covid?
by hoops777
Sun May 10, 2020 4:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3484

Re: Vanguard Technology Fund

The only people who would heavily invest in tech funds are those who hasn't learned anything from 1993-1999, IMHO. But in order to learn we don’t need to go thru same experience and suffer the pain, we can just learn from people who got burned out in that mania. At least that is what i am doing. I ...
by hoops777
Sun May 10, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3484

Re: Vanguard Technology Fund

What about XLG the SP500 largest 50 stocks?
by hoops777
Thu May 07, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Jack Bogle has said that investors should not own individual stocks as the risk is too high. Instead of searching for the needle in the haystack by the haystack. Total Stock Index Fund does just that. https://youtu.be/6fqT1VJScuc 5% fun money is fine...and that’s all we’ve been talking about. Folks...
by hoops777
Thu May 07, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Hello all, I bought some Disney for my funny money account in early April while it was under $100 per share. I told myself I would consider buying more of it if it crossed under $100 again, and it looks like that might happen this week. I am obviously tempted, and I wanted to reach out to you all, ...
by hoops777
Thu May 07, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

My point is that you learn from the best not that you try to become them. I can study teaching videos from a great athlete to improve my skills. I am not trying to become him. But as usual you twist everything to your belief. My point is many,actually the majority of the greatest investors in the w...
by hoops777
Wed May 06, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Aside from theme parks and made-in-China merchandise that they own the trademarks to (Mickey Mouse, Star Wars etc.), what value does Disney offer? Anyone can bittorrent their movies for free nowadays once someone rips a dvd or blu-ray disk and uploads it online. Better to buy stocks in a company ma...
by hoops777
Wed May 06, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Well you said it. Your opinion on this is so extreme at every level and I say this respectfully, so nonsensical, that the discussion has nowhere to go. Good luck. I am curious about a philosophy that says I am not an expert so why try to imitate the behavior of an expert. I wonder how you developed...
by hoops777
Tue May 05, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Folks, 1) In gambling on any individual stock, you need to ask the basic question. A) If I win, how much can I win? B) If I lose, how much can I lose? Please note that the stock market can drop 50% at any time. So, the proper answer for (B) should be I can lose 100%. If the stock market is returnin...
by hoops777
Tue May 05, 2020 4:42 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Folks, 1) In gambling on any individual stock, you need to ask the basic question. A) If I win, how much can I win? B) If I lose, how much can I lose? Please note that the stock market can drop 50% at any time. So, the proper answer for (B) should be I can lose 100%. If the stock market is returnin...
by hoops777
Tue May 05, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Folks, 1) In gambling on any individual stock, you need to ask the basic question. A) If I win, how much can I win? B) If I lose, how much can I lose? Please note that the stock market can drop 50% at any time. So, the proper answer for (B) should be I can lose 100%. If the stock market is returnin...
by hoops777
Tue May 05, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Can you explain your thinking here because it seems irrational unless I am missing something. hoops777, No, it is perfectly rational. It is only irrational folks do not follow this rule. A) My main portfolio of 60/40 is returning about 7% per year. B) In order for me to take a higher risk on the in...
by hoops777
Tue May 05, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

Aside from theme parks and made-in-China merchandise that they own the trademarks to (Mickey Mouse, Star Wars etc.), what value does Disney offer? Anyone can bittorrent their movies for free nowadays once someone rips a dvd or blu-ray disk and uploads it online. Better to buy stocks in a company ma...
by hoops777
Tue May 05, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

When evaluating Disney, don't put too much emphasis on Disney Plus. Its current subscriber count is around 50 million. That sounds like a lot, but at $7/month, it only adds about $350 million in top line revenue, which is a drop in the bucket for a company with about $70 billion of 2019 revenue. Yo...
by hoops777
Tue May 05, 2020 11:58 am
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13662

Re: Is Disney the most tempting value stock?

When evaluating Disney, don't put too much emphasis on Disney Plus. Its current subscriber count is around 50 million. That sounds like a lot, but at $7/month, it only adds about $350 million in top line revenue, which is a drop in the bucket for a company with about $70 billion of 2019 revenue. Yo...
by hoops777
Thu Apr 30, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35740

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

More bad news for dividend investors ... Royal Dutch Shell became the latest FTSE 100 company to cut its dividend amid the coronavirus pandemic on Thursday, dealing another blow to income investors already impacted by a dwindling pool of investment options. Anglo-Dutch Shell RDSA , -10.82% shocked ...
by hoops777
Thu Apr 30, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35740

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

Dividends don't make you richer in any shape or form, just like selling a stock. Your net worth remains neutral when doing the exchange. But unlike selling a stock yourself, you actually get taxed more. So when all said and done, you lost money because the company decided to give you a dividend. "L...
by hoops777
Thu Apr 30, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35740

Re: tn

hi But I'm asking you, what, as a dividend-focused investor, can I expect to get in terms of a SWR? Compared to a total return method, where we have lots of good research. if you draw no more than the dividends you're ok, no research needed you can probably even occasionally dip into the share base...
by hoops777
Tue Apr 28, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35740

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

Let's go back up a level. I want to touch on a point here in your post. When it comes to "what I can spend in retirement" we usually refer back to the various SWR studies. Using historical data, or sometimes Monte Carlo return simulations, researchers take a portfolio (say the S&P 500 and bonds), w...