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Dividend Math Guy

 
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  • The Importance Of Consecutive Dividend Increases In Stock Selection [View article]
    Good stuff. I own a few companies with short histories like (AAPL), (AMGN), and (MA) because I feel they have recently committed to becoming dividend growth companies, but most of my holdings are companies with 10+ years of rising dividends. I like to see consistent moderate-to-high payout ratios and raising dividends through the last two stock market crashes.
    Feb 6, 2014. 08:39 PM | Likes Like |Link to Comment
  • 5 Beat-Up, Solid Dividend Growth Stocks [View article]
    KO now yields 3.01% based on their previous dividend, with the next dividend increase to be declared later this month. I bought a bit more today.
    Feb 3, 2014. 09:57 PM | 1 Like Like |Link to Comment
  • 5 Beat-Up, Solid Dividend Growth Stocks [View article]
    Picked up a little more JNJ today.
    Feb 3, 2014. 09:53 PM | 1 Like Like |Link to Comment
  • My KISS Portfolio: 4th Quarter Update And Year End Review [View article]
    Don't forget that there are trading fees involved when you go shopping for income. PTI is essentially just paying those trading fees now so he doesn't have to pay 5 basis points a year plus trading fees later.

    Also, if you're doing some of your investing in a taxable account, buying your future income now might be preferable to buying an ETF now and flipping it into income later because of capital gains taxes. Unrealized capital gains are never taxed.
    Feb 1, 2014. 12:32 PM | Likes Like |Link to Comment
  • 5 Beat-Up, Solid Dividend Growth Stocks [View article]
    I'm a fan of JNJ at these levels. That position is already a little overweight in my portfolio but I'm planning to buy a little more if it dips below 88.
    Feb 1, 2014. 12:25 PM | 1 Like Like |Link to Comment
  • 5 Beat-Up, Solid Dividend Growth Stocks [View article]
    Agreed. All 5 of these look quite attractive at today's prices. I upped my stake in KO by 50% at an average cost of about $38 over the course of the last couple of days.

    With today's plunge Chevron (CVX) looks pretty good too.
    Jan 31, 2014. 09:37 PM | 2 Likes Like |Link to Comment
  • More on Apple: iPhone ASPs jump, cash balance at $159B [View news story]
    >>> If the proxy vote doesn't go through, I'm voting with my feet and selling my entire stake.<<<

    If you're willing to sell it for a low enough price I'll be there to buy it!

    My basis in AAPL is around 430. I wasn't planning on buying any more but I might just have to if it dips much further.

    Random thought. Is there a chance that the guidance was a little weak so they could demolish it next quarter while enhancing the effect of buybacks until then?
    Jan 27, 2014. 06:37 PM | 3 Likes Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    No, the tax on the gain is

    .15*38842.71=5826.41

    Another way of seeing (or really, confirming) the tax on the gain is

    44342.71-38516.30 = 5826.41
    Jan 12, 2014. 11:58 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    Hi Gary,

    44342.71 - 5500 = 38842.71

    is the gain on which you have to pay tax.

    So you end up with, after paying a 15% tax on the gain,

    5500 + .85*38842.71 = 38516.30
    Jan 11, 2014. 02:06 AM | Likes Like |Link to Comment
  • Building A Portfolio Part 3: Due Diligence [View article]
    Love the infographic under point number 9. Thanks!
    Jan 8, 2014. 11:24 PM | Likes Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    The article is primarily written for investors in the accumulation phase. I'd love to hear perspectives on the topic from retired people!
    Jan 8, 2014. 08:59 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    Gotcha :)
    Jan 8, 2014. 03:37 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    Because growth can slow, fundamentals can deteriorate and dividends can get cut. I thought I read somewhere that you sold KMB last year?
    Jan 8, 2014. 03:24 PM | Likes Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    >>>Are you not interested in any offsets of gains by losses in a taxable<<<

    Generally I don't intend to take losses! :)

    I do try to put speculative plays---anything I expect I might have to take a loss on---in my taxable account, though, just in case.

    >>> or that whatever you take out of the IRA (not ROTH) is taxed at your ordinary level & without qualified dividend treatment?<<<

    I don't have a traditional IRA. Just a Roth. For traditional IRAs, the article is written from the perspective of maximizing the income at retirement, and generally more total dollars gives you access to more after-tax income. However, tax rates on traditional IRA withdrawals is an area that is much more sensitive to individual situations. You could run your expected income tax rates against the dollar values in the detailed example in the article to get a better idea of what would be best for you.

    As far as the example goes, if you're in the 25% income tax bracket it's better to hold the DG stock in the taxable account and the growth stock in the traditional IRA.
    Jan 8, 2014. 03:24 PM | Likes Like |Link to Comment
  • Dividend Growth Investing, IRAs And Taxable Accounts: 4.5% Extra Returns From Asset Placement [View article]
    Well sure, but how can you plan for unknown changes? One thing I'm sure of is that capital gains will continue to be taxed.

    The conclusions on efficient asset placement still hold for shorter time frames, by the way.
    Jan 8, 2014. 12:24 AM | 2 Likes Like |Link to Comment
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