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  • Ann's Simple Income Investing Strategy [View article]
    NV_GARY, thanks, the "11th" sector I have up there is Real Estate. That's what Morningstar has. In my case, that would be eREITs.
    Jan 28, 2015. 01:11 AM | Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    wjochem, thanks. Seeing the top 10 holdings of mutual funds/etfs is a great way to start the research. Thanks for bringing that up. Possible material for the next article. :p
    Jan 28, 2015. 01:10 AM | Likes Like |Link to Comment
  • How Much 'Extra' Return Are You Getting If You Reinvest Dividends? [View article]
    GetRealHere,

    "Microsoft is a great dividend payer...too bad it lost 10 points today and instantly wiped out 4 years of dividends."

    Yes, I was surprised of the move too, but if one did their homework and bought it at good valuations, say when it was in the low $30s in 2013 (how about $33?), then such an investor would still have 27% unrealized gain AND collected $1.43 of dividends since then, and still collecting...
    Jan 27, 2015. 08:07 PM | 4 Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Thanks Rock N Roll. You reminded me that I forgot to put this message that I usually add at the end of all my articles...

    You're right. This article is meant to be a simple example to illustrate how simple it could be to invest for income, but certainly not investment advice.
    Jan 27, 2015. 08:01 PM | 1 Like Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    BoomBoom, that's good advice. I normally do look at the dividend history before investing in a company. I was focused on simplicity this time. I might come back around to introduce all those essential metrics and concepts you mentioned. Thanks again!
    Jan 27, 2015. 08:00 PM | 1 Like Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Dick, I gotta agree with BoomBoom here with regards to "I prefer dividend growth stocks which are more consistent, reliable and tend to growth at rates exceeding inflation."

    Dividend growth stocks have ups and downs in stock price too, but if you did your research right, then you should have a low chance in getting a dividend cut. Maybe you'll get 1 or 2 cuts out of the many companies a dividend investor holds in scenarios such as the financial crisis, while you said for one of your funds "There have been three cuts since then, one at the beginning of this year, from 0.09 to 0.07 per month but that is paying over 11% on the share price today." I don't care how it is paying 11% on today's share price. Your income from that fund has been cut by half after all those cuts. I've gotta cut you some slack because you mentioned that GGN is an extreme case.

    With individual dividend stocks Ann is holding, she could still look into whether it's a keeper after a cut or even sell out before a cut.
    Jan 27, 2015. 07:55 PM | 2 Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Aterosin, I wrote this for my friend who finds it easier to grasp the concept using real dollar amounts instead of percentages. I hope this article will get your daughter excited about dividends, and I think she's lucky to have you there to guide her.
    Jan 27, 2015. 05:22 PM | Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    BoomBoom, "I want dividend leaders. I want them on "David Fish's CCC List" and/or the "Canadian Dividend All Star List". I screen further for favourable dividend metrics, such as DGR, length of dividend growth streak, chowder number, payout ratio, quality rating...etc. I also prefer stocks that performed better than average in previous down markets." -- For this article, I wanted to keep it as simple as possible. However, what you listed are all great qualities to look for when looking to add to a portfolio. Thank you for sharing that. :)
    Jan 27, 2015. 03:49 PM | Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Dick, can you give some examples of those ETFs and CDFs? esp. the ones which pay dividends monthly could be of interest to readers. Thanks!
    Jan 27, 2015. 02:08 PM | 1 Like Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Thanks Mike. That's a good point.

    "i will never understand why some investors shun dividends and limit themselves to only
    60% of the money to be made." -- My guess is most investors aren't in the extreme of only limiting themselves to the 60%, which is a good thing.
    Jan 27, 2015. 01:18 PM | Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Subhash, everyone's tax situation is different. If I brought that up in the article, it wouldn't be as simple as it would have been. Each individual investor has to take into account their own tax situation...as you mentioned, if they're Canadian or American? If they're Canadian, then, what is their tax bracket? According to their income level, how much should they be placing in the RRSP to invest? For their situation, is it even beneficial to place money in RRSP, or better to use the TFSA?

    Some investors opt to invest in ETFs if they like the instant diversification. Being a "dividend stock picker", Ann could choose the more undervalued leaders to add to, or choose to overweight in a particular company...but then, that'll get more complicated than what this article ended with...

    "Why not invest in 2-3 selected dividend and income ETFs to get suitable diversification with low Beta ETFs for similar income while avoiding trading costs" -- Which low beta ETFs are you thinking of that provide similar income? Do they provide similar income growth as well?
    Jan 27, 2015. 01:16 PM | 1 Like Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    Hi Hardog, yes, I took a step back and kept it as simple as possible. Thanks.
    Jan 27, 2015. 01:08 PM | Likes Like |Link to Comment
  • How Much 'Extra' Return Are You Getting If You Reinvest Dividends? [View article]
    Nice illustration of compounding. Forwarding this to my friend who is thinking of starting out DGI.
    Jan 26, 2015. 06:31 PM | 2 Likes Like |Link to Comment
  • Ann's Simple Income Investing Strategy [View article]
    April May, thanks for your comment. Equal-weight portfolios are easy to think with. More realistically though, individual investors are likely to favour certain companies or sectors more. For example, some might avoid the Basic Materials sector. Yet, others might buy more or be overweight in Utilities, Healthcare, and Consumer Defensive for the stability.
    Jan 26, 2015. 04:51 PM | Likes Like |Link to Comment
  • Q4 2014 Update: Core Changes In My Whistler Income And Growth Portfolio [View article]
    wienec, what you said makes good sense.

    I just bought a small increment in CVX today as it hit my limit price around $102 at 4.2% yield. As I'm doing my "paper work", I see that these shares (cost per share) actually cost more than the shares I bought back in October 2013 around $115. Why? Foreign exchange rate. Today, for $1 USD, I needed $1.2172 CDN. Other than that the Canadian dollar is much lower due to lower oil price, my bank also takes about 2% more each time I make a forex transaction of sorts.

    So, other than taxes, perhaps for the ones who need to deal with it, also need to think about forex rate.
    Jan 14, 2015. 07:59 PM | 1 Like Like |Link to Comment
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