SandRidge Mississippian Trust I Paying Above Targets [View article]
PalmDesertRat: Yes, I have read the documents. Essentially, you have to determine if you think SandRidge will meet it's drilling obligations and will the trust continue to distribute at the rate of the target distribution or higher. The point is that it is easier to understand the operation of the trust compared to the "typical" company that has multiple products or services, marketing, research and development, competition, etc.
Asset Allocation For A Dividend Growth Investor [View article]
Mr. Van Knapp: Thank you for crystallizing these thoughts about income planning and asset allocation. My "aha" moment came a few years ago when I realized that retirement planning was not about wealth accumulation and reaching a magic number but about understanding your spending needs and planning for an income that would meet those needs. This allowed me to move from an amorphous plan to setting income (and income growth) targets and a retirement date. That was thanks in no small part to some of the excellent writing here on Seeking Alpha.
Mr. Reed: You raise a good point and drive it home with you article on the declining yield on the S&P500. Although in this article my primary focus is on finding relative safety for income oriented investors. Thank you for your comment.
Dividend Growth Investing Goes Mainstream: Should You Be Worried? [View article]
What can go wrong? Tax rates can change making dividend investing less attractive. Would this cause some DGI newcomers to move on to the next best thing? Probably.
Mr. Van Knapp: Congrats on 100. Keep 'em coming. I know that timing is anathema to asset allocation but at a time when bonds are returning near zero and represent a clear risk of capital loss in the near future, there are dividend paying stocks today that can provide income and a ballast to your portfolio when markets are volatile.
Thanks for the article. Naturally it's generated some very good discussion.
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
SDS: I have provided links in the article to the IRS website. Indeed, we would like to see these provisions continued since retired investors are being handed no return on more "conservative" investments like CD's.
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
bionic1: The wash sale rule only applies if when trying to capture a loss. In this case you are capturing a gain. No wash sale rule. Thanks for your comment.
Zero Percent Withdrawal Retirement Plan [View article]
To address recent comments from owyhee and johncworth: From the article:
"You may view this portfolio as very poor from an asset allocation perspective; however, I also have an IRA which has different assets that provide balance for this portfolio."
The portfolio I show in the article is a taxable account I use as a primary source of income. I also have an IRA that has a very different allocation (yes, including a prudent allocation to TIP, cash and other fixed income instruments.) I am not currently taking any distributions from this IRA and plan to defer distributions for the near future.
I agree with your comments in that the taxable account in isolation may represent above average market risk. However, it represents about 1/3 of my total invested assets with 2/3 in the IRA. Thank you for your comments and good discussion.
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
SDS: Not really in conflict. I was using ordinary dividends to encompass qualified dividends. Ordinary dividends is the larger classification that also includes qualified dividends. Thanks for your comment.
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
RM13: Thanks for your comment. True, except that the Romney issue is specifically about "carried interest" which is a hedge fund specific taxation issue.
Zero Percent Withdrawal Retirement Plan [View article]
saratogahawk: Thanks for your feedback. You may be right about more REIT/mREIT. I was a little timid about that 12-18 months ago but now looks like we can count on ultra low rates for a while. BTW, I hold T, VZ, BMY and JNJ in my IRA, among others.
Become Your Own Investment Advisor And Save The Fees [View article]
Mr. Herr: Good article although with SA readers, I suspect you're "preaching to the choir" for the most part. When you do the math and show the difference in return over 10 or 20 years, using the same assumptions for a portfolio with management fees vs one without, it's shocking. I remember a while back seeing how many "financial advisors" were employed by Prudential, I was blown away. And that's just one financial firm among many.
Zero Percent Withdrawal Retirement Plan [View article]
Lee 99: Thanks for your comments. As you point out, it's good to occasionally take some profits on stocks that have run up. It's nice you have the corporate pension to cover your essentials. Good luck with your plan.
SandRidge Mississippian Trust I Paying Above Targets [View article]
Asset Allocation For A Dividend Growth Investor [View article]
4 Triple A Rated Dividend Payers [View article]
Dividend Growth Investing Goes Mainstream: Should You Be Worried? [View article]
Asset Allocation 'Vs.' Dividend Growth Investing: A Handy Comparator [View article]
Thanks for the article. Naturally it's generated some very good discussion.
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
Zero Percent Withdrawal Retirement Plan [View article]
"You may view this portfolio as very poor from an asset allocation perspective; however, I also have an IRA which has different assets that provide balance for this portfolio."
The portfolio I show in the article is a taxable account I use as a primary source of income. I also have an IRA that has a very different allocation (yes, including a prudent allocation to TIP, cash and other fixed income instruments.) I am not currently taking any distributions from this IRA and plan to defer distributions for the near future.
I agree with your comments in that the taxable account in isolation may represent above average market risk. However, it represents about 1/3 of my total invested assets with 2/3 in the IRA. Thank you for your comments and good discussion.
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
Pay No Tax On Qualified Dividends And LT Capital Gains [View article]
Zero Percent Withdrawal Retirement Plan [View article]
Become Your Own Investment Advisor And Save The Fees [View article]
Zero Percent Withdrawal Retirement Plan [View article]
Zero Percent Withdrawal Retirement Plan [View article]