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naha66

By the same logic lower stock prices are good if you reinvest your dividends. Not true. Dividend payments determine virtually the entire return of investment grade bonds over time with the NAV fluctuating generally around par value, while with stocks, dividend payments make up only about 2-3 percen...

naha66

By the same logic lower stock prices are good if you reinvest your dividends. Not true. Dividend payments determine virtually the entire return of investment grade bonds over time with the NAV fluctuating generally around par value, while with stocks, dividend payments make up only about 2-3 percen...

naha66

Skime, Hello & welcome to Bogleheads. When I started investing, I did a study of the most successful investors I could find on the internet. (The idea being what are super successful investors doing)? Most (not all) of the most successful investors I could find ($Millionaires) were all invested...

naha66

First, let's assume that they used a 60/40 portfolio, where half of their equities were in VTSMX (U.S. stocks) and half in VGTSX (international equities), and the bonds were in VBMFX (total U.S. bond market). Let's also assume that their starting portfolio was $1M. Their withdrawals occur at year e...

naha66

First, let's assume that they used a 60/40 portfolio, where half of their equities were in VTSMX (U.S. stocks) and half in VGTSX (international equities), and the bonds were in VBMFX (total U.S. bond market). Let's also assume that their starting portfolio was $1M. Their withdrawals occur at year e...

naha66

Naha66 wrote You just lost all credibility. The guys 70 like he's going to wait 50 year. You even say in the 1st post in this thread that it might under perform for a long time. I strongly disagree. I think you may be misunderstanding my point. My point is that one should diversify across all the k...

naha66

Midareff wrote It is interesting but at 70 years old I'm not interested in anything that could under perform for long periods. I believe diversifying across factors is perhaps more important the SHORTER the time frame. All factors, including market beta, can underperform at any given time. I think ...

naha66

( The unemployment rate for college educated during the Great Recession was ~2%...and less in the lager cities .) Why do people just make stuff up,where did you come up with 2% unemployment for college educated labour. It was close to 5% and that was only 25+ year old if add the 21-24 it was a lot ...

naha66

OP, 1) Many members of my family are millionaires. They ranged from never attended high school to some with graduate degrees from top schools. 2) 50% of my family members are in businesses. Then, some are salary workers. They became millionaires regardless which path they took. 3) My family is spre...

naha66

I don't know the answer to your question, but I think it is important for people to realize that an intermediate term bond FUND may contain individual bonds of all terms - short, intermediate, and long term. Like total bond market - all those bonds are not intermediate term. It contains bonds of al...

naha66

You have a 26k income and about 500k in assets. I'm assuming your home is paid for. At age 67 residual life expectancy is about 16 years. You say you are in good health (but on disability ?) so you should factor at least twice that number of years. 4% rule in the present market is completely out of...

naha66

Its a dividend and income fund,this is vanguard product summary of VEIPX. This fund is designed to provide investors with an above-average level of current income while offering exposure to the stock market. Since the fund typically invests in companies that are dedicated to consistently paying div...

naha66

Howdy This whole thread is amazing. I’m still not sure what the debate is about. The only thing that is sure is that dividends impose a tax drag on a taxable account. The debate is about the validity, rationality, or practicality of any of the following things: 1. Dividends are good because you get...

naha66

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of t...

naha66

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of t...

naha66

We've been all around and all over the topic, but still I struggle with why so many investors so vehemently demand dividends as critical, and dismiss capital losses and gains as unimportant. Can it be the case that dividends are perceived as moral sources of return, because the corporation chooses ...

naha66

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of th...

naha66

I have a etf that a ex-dividend of 28th of Dec 17 and a payment of Jan 4th 18. Are they treated like stocks and the tax year is 2018?

naha66

They also allow expats to open accounts, as a Scottrade account holder who Knows what Ameritrade will do. It gives me a option if ameritrade closes my accounts.

naha66

From Fidelity: How much do I need to save for retirement? To get to your retirement end zone, aim to have saved 10 times your salary by retirement, assuming you retire at age 67. The 10x savings rules of thumb are developed assuming age-based asset allocations consistent with the equity glide path ...

naha66

It is a perfectly fine rule of thumb, as plenty of empirical research has repeatedly shown. I think the Expenses Brigade always has a knee jerk reaction to this that they don't have for many other topics and I don't understand the religious fervor. If someone saves 10 years of salary by the time th...

naha66

They have changed it slightly again a drop down to 7 ETF's from 10. I'm with Scottrade and due the changeover to TD Ameritrade I have been told no mutual funds( expat). I can keep my account but only ETF's. If I want a all in one fund this is the lowest cost etf I can find. AOR has over 1B in AUM it...

naha66

I've driven three different Kia models for a week+ as rental cars: Forte, Optima, and Rio... I have not driven the Soul, but my impression of Kia from the other models was lousy. They did not handle well, noisy, and just unappealing 'feel'. I actually enjoyed the Hyundai rental cars I've had though...

naha66

Wait a minute. Let's back up a minute here. Where's the money? She inherited money in the early 1980's. You'd have to assume that it was placed in a taxable account and it wasn't an inherited 401k (she didn't mention taking any out--no RMD's from an inherited 401k were described). She has continued...

naha66

Toofache32
Do you have any medicare or medicaid patients?

naha66

What kind of experience does Wellington have in international investing?

naha66

I make less than the median American wage and dividends are a problem for me. Why? They are an inefficiency which costs me extra money at tax-time, because California taxes me 6% on my dividends. Another apples to oranges case i pay no state taxes where I live. It not my fault you live in Californi...

naha66

I make less than the median American wage and dividends are a problem for me. Why? They are an inefficiency which costs me extra money at tax-time, because California taxes me 6% on my dividends. Another apples to oranges case i pay no state taxes where I live. It not my fault you live in California...

naha66

I love dividends! Well, not exactly, but I do tilt toward dividend paying stocks in my portfolio. I simply do so in my Roth IRA. Value stocks tend to be more likely to pay a dividend as compared to growth stocks, and I own Vanguard’s small cap and mid cap indexes in my Roth IRA. I also own the REIT...

naha66

Any updates?

naha66

I agree with Larry on this one. Plus, high dividend stocks are likely overvalued due to behavioral aspects-i.e. there are lots of people who irrationally prefer them. Because dividend stocks have interest rate term exposure, falling interest rates have been a significant headwind for dividend stock...

naha66

Is is fact that the average bull market is 9 years and growth is 4%. We still haven't hit 9 and growth is still about 2%.

naha66

Let me know when the low returns get here, then I'll make a pick. You know what it might start tomorrow or maybe 5 years from now, who knows.

naha66

Recently, I've been tracking the yield of my portfolio both in terms of dollars and %. Its been more of a curiosity; but lately I've started thinking about it as an income floor that the portfolio can generate, while anything over that as supplying variable income. To put numbers on it, say 2% is t...

naha66

+1 on the annuity He in Otar's red zone. In fact I would buy one now for enough to reach his $1500 income needs, and invest the rest in something safe with about a 50/50 allocation. Then sometime in early 70-75 look at buying another one if needed for inflation. I would also look at moving to a LCOL...

naha66

A major point in the dividend debate is the fact that dividends are taxed at a higher rate than capital gains . Most people think that the money will be better spent by the taxpayers than the government. I think that some investors believe that they will spend the profits better than the folks who ...

naha66

6. Aversion to "selling" - it feels like a loss of assets. As long as the number of shares doesn't go down then I don't feel like I am decumulating. Coda. If the company is buying back stock you are actually *accumulating* even though it won't feel like it. [/b] The only problem with buyi...

naha66

I have traded preferred stocks for a couple decades but never owned this one. The issuing company, Chico's FAS , is a women's apparel enterprise. The preferreds are callable at $25 per share in 2023 and 2025 respectively. You can find more detailed information on the links below from http://www.qua...

naha66

Do you want $300 a month that you don't pay any taxes on? Or do you want $600 a month that you pay $300 a month taxes on leaving you with $300 a month to spend? Why do smart people make statements like this, not everybody is in the same tax bracket/situation. These blanket statement are bad, you ne...

naha66

Single Premium Immediate Annuities are about the only annuities recommended on the forum. Consideration might be given to so called longevity insurance. All such products have drawbacks and are not for everyone but they are worthy of consideration particularly with the disappearance of the employer...

naha66

Barefootgirl wrote:
It's not like the south is really that different, anyway.
From my point of view, it's quite different, but less so in college towns and most of Florida.

I am looking forward to leaving.

I've have a beer when you leave

naha66

I spoke to Ally today since I was not seeing 1 day transfer as an option for one of my external bank accounts, but was seeing for another. They informed me that in order to qualify for 1 day transfers, you must have transferred at least $200 every 60 days and their system only checks this every 3 m...

naha66

Hmmm. There are better ways to ensure prudent spending in retirement while allowing investors to maintain the psychological comfort of a wall between capital and income. One is by “managed payout” funds that pay a percentage of their value, such as an annual 4% “income,” in installments specified b...

naha66

Can anyone recommend one or more safe, low volatility ETFs with monthly dividend payouts? Thanks. I don't know what your definition of "low volatility" covers. Short term bond funds (above) have the lowest volatility but the lowest dividends. An Intermediate bond fund will pay out more, b...

naha66

If I am hearing people correctly it sounds like Option #3 (Life Income) is not "the deal of a lifetime", i.e. I thought collecting $356,000 if I live to age 85 sounded like a huge amount of money, but maybe it's not.. I wouldn't go so far as to say it's the "deal of a lifetime",...

naha66

Wow, Korean food lousy? I think it's a highlight of a trip to Korea. It's worth investing some time to learn about it before you go. With a week, you won't have time to venture too far from Seoul, especially with a day spent at the DMZ. You might try a day trip to Suwon fortress and a day at the Ko...

naha66

Its their retirement, so they should do what makes them happy. However, I have found that many folks on this board are predisposed to collect at 70 and pretty much blow off any opposing collection strategies.

I have a minor child, I would be dumb to wait.

naha66

DW contacts local dermatologist practice to inquire about having a few lesions frozen as a cash / customer pay transaction. She is given a number as a flat fee for freezing up to xx number of lesions. She arrives at office and again explains her reason for visiting and pays up front the flat fee. O...

naha66

Let me play the Devil's advocate. A patient goes to a dermatologist for self paid cosmetic work. During the exam the the dermatologist sees a lesion which is a possible melanoma (serious skin cancer). But because the patient was there for only the cosmetic work she disregards it. The lesion indeed ...

naha66

'm looking at Ishares AOM iShares Core Moderate Allocation ETF, being a Expat(us citizen) not suppose to own mutual funds. Schwab says I can own these. I'm at Scottrade now pending their merger with Ameritrade and they don't like expats. Anybody have thoughts on these etf"s. AOM looks like 40/6...

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