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Dale Roberts  

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  • 3 Keys Why Retired Investors Should Put Maximum Focus And Weight On Dividends [View article]
    My US dividend growth stock selection was done without evaluation. I do not even have the list memorized. I am building from the top 20 to 25 of VIG, Dividend Achievers. Let me pull up my list ...

    My current list of holdings is MMM, PEP, CVS, WMT, JNJ, QCOM, UTX, LOW, WBA, MDT, NKE, ABT, CL, TXN, MSFT.

    A few more from VIG to be added over the next few months. AAPL and BRK.B are also held as they are 'picks', but really no more than two of the top holdings of the S&P 500.

    Would one be able to 'beat' my non evaluation picks with a lot of study and evaluation and by paying for tools? I truly doubt it. This is dividend growth investing. The investor who is simply more patient will do the best.

    I will add to, and then hold these picks through semi retirement and retirement. They will only be removed if they cut a dividend, and maybe not even in that scenario.

    50% bonds will add a lot of stability and income in retirement. Canadian dividend growth company holdings have very generous yield.

    Easy stuff.

    Dale
    May 30, 2015. 07:55 AM | Likes Like |Link to Comment
  • 3 Keys Why Retired Investors Should Put Maximum Focus And Weight On Dividends [View article]
    Maximum focus should always first go to risk tolerance level and having investments that match that risk tolerance level. My experience is most retirees have a lower risk tolerance level.

    Sequence of returns risk is a major consideration for retirees, and should be in just about any retirement article in my opinion. International diversification would be important as well, especially for any retiree who plans to ever leave their borders for travel.

    On sequence of risk, the sweet spot for retirees appears to be in the area of 60% stocks to 40% bonds. Nothing wrong with 50 50.

    As the passive dividend aristocrat index demonstrates, no research is required when it comes to dividend company selection. No need to buy advice or pay for tools.

    Buy 20 or 25 from VIG, VYM or Aristocrat lists as an example. One should trust the dividend growth history. Dividend growth is a divining rod for finding earnings power and stability. Add bonds as required. One might add some high yield bonds and perhaps a multi asset class ETF sprinkling - the CVY's of the world. One could create a portfolio with some nice yield, earnings power and very low volatility - a nice spot for retirees.

    Dividend analysis would be about last on my list of importance for retirees. It would take up time and money and add no value.

    Dale
    May 30, 2015. 07:36 AM | Likes Like |Link to Comment
  • Retired Or Soon To Be? Here's A Back Test You Need To Review [View article]
    For a retirees consideration the dividends would not have been reinvested they would have been spent, and perhaps spent along with some share harvesting depending on spending requirements.

    The study or article is about the the accumulation phase.

    Perhaps the article should have shown the numbers in the spending stage, decumulation?

    Dale
    May 29, 2015. 07:15 PM | 1 Like Like |Link to Comment
  • Retired Or Soon To Be? Here's A Back Test You Need To Review [View article]
    Eli, but it was approved by editors? They have to send it through.

    Dale
    May 29, 2015. 06:42 PM | Likes Like |Link to Comment
  • Royal Bank Of Canada Is Still A Sell [View article]
    Very very strong earnings season for the Canadian Banks. Such wonderful well diversified financial business models. Oil Price Crises Schmises ...

    Dale
    May 28, 2015. 11:52 AM | 2 Likes Like |Link to Comment
  • The No. 1 Stock In The World - Part 1 [View article]
    The best stock in the world, today, is unknown.

    Dale
    May 27, 2015. 05:02 PM | Likes Like |Link to Comment
  • Why An Old Warning About Stocks Feels More Ominous This Year [View article]
    Focus on what matters. Focus on what you can control.

    Do not pay for others to tell you that they know the future.

    Dale
    May 27, 2015. 06:55 AM | 2 Likes Like |Link to Comment
  • The No. 1 Stock In The World - Part 1 [View article]
    All but Nestle are members of the SP 500, one would be well on their way to replicating the index returns (on or about). Add another 15 or so constituents, take your pick it likely won't matter which ones, and your success over longer periods will come down to your ability to buy and hold.

    And you should beat the SP 500 by an annual percentage or two given the equal weight RSP has a nice market beat history. That would be your benchmark in this space. Check out the dividend aristocrats also for an easy index that has beat the SP 500.

    Most investors likely don't know that they are essentially indexing with individual holdings (unless you have a lot of confidence and overweight a specific holding or two).

    A lot of time is spent on what does not really matter, instead of what is really important for investor returns - asset allocation, fees, staying the course.

    Buy and hold.

    Dale
    May 27, 2015. 06:51 AM | 4 Likes Like |Link to Comment
  • Why An Old Warning About Stocks Feels More Ominous This Year [View article]
    I'll stick to the fact that no one knows :) That's not really an opinion, of course.

    I don't think anyone would claim they know what stocks or bonds (or any region) will do this year or next, or the year after.

    Dale
    May 26, 2015. 09:07 AM | 19 Likes Like |Link to Comment
  • Why An Old Warning About Stocks Feels More Ominous This Year [View article]
    No one knows where the market is going. To trade based on speculation and guess work usually leaves money on the table and worse can turn investors into over active / over emotional investors - those who lose money.

    In the accumulation phase, invest on a regular schedule - leave the noise and poor returns behind.

    Dale
    May 26, 2015. 06:21 AM | 22 Likes Like |Link to Comment
  • Retirees Face An Asset Allocation Conundrum [View article]
    50 50 should do the trick, both fund already includes bonds and management.

    One might get the near same with near 50 each of VTI and AGG or BND and some international EFA.

    Dale
    May 25, 2015. 08:13 AM | 1 Like Like |Link to Comment
  • The Dividend Growth Wide Moat 7 From Canada [View article]
    The big 3 banks have some of the best dividend growth history in North America. They are essentially dividend kings. The hold in the recession is minor technicality, IMHO, and should be ignored or applauded. In fact, they should get bonus points for only having a hold in the recession, as banks. Dividend Kings A+.

    Dale
    May 25, 2015. 07:18 AM | 1 Like Like |Link to Comment
  • Dale's Super 7 Dividend Aristocrat And Achievers Portfolio Core [View article]
    info that is readily available for free. and none of which can add any value in my opinion. we can't predict the future, it's all about dividends dividends dividends as divining rod and the hope of repeat of underlying earnings growth.

    Dale
    May 24, 2015. 08:12 AM | Likes Like |Link to Comment
  • The Great P/E Debate: Are Stocks Overvalued? [View article]
    http://seekingalpha.co...

    The surprising truth about buy backs.

    Dale
    May 22, 2015. 06:44 PM | Likes Like |Link to Comment
  • The Great P/E Debate: Are Stocks Overvalued? [View article]
    Nice article on that ...

    http://seekingalpha.co...

    There is an adjustment so that buy backs do not affect or distort the PE, according to article by James. I had been told that a few times, but he has a nice explanation.

    Dale
    May 22, 2015. 06:44 PM | Likes Like |Link to Comment
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