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  • 50/50 Portfolio (BDCs And mREITs) High Yield 10%, H1 2015 Update [View article]
    jr,

    "Many thanks for taking the time to educate may."
    Sure, any time. Try to focus on the so-called myths and mis-conceptions.

    "Guess I'm one of those investors am concerned with credit risk."
    Understood, many are, but ZIRP has really made it tough. :)

    The strict HYI and DGI advocates miss the rocket fuel also and don't have NFLX, AMZN, GOOG, FB, etc.

    One often asked question therefore: Are the the HYI and DGI folks compensated for the risk?

    Unfortunately for the credit risk investors, CDs and MMs are close to zero and so-called high quality bonds are crazy expensive or pay yields that just don't pay the bills.

    The proverbial no place to hide.
    Jul 20, 2015. 12:22 PM | Likes Like |Link to Comment
  • 50/50 Portfolio (BDCs And mREITs) High Yield 10%, H1 2015 Update [View article]
    Biker,

    I think you have the wrong "Income". There are number of contributors and services with income in the name although I think I might have been the first starting in 2000.

    I don't suggest or advise anything. I&Y is purely an info service.
    Although not as prevalent today since the search for yield is so widespread, the myths and misconceptions still continue.

    To you, many are likely well known and obvious but not to everyone.
    Jul 20, 2015. 12:13 PM | Likes Like |Link to Comment
  • 50/50 Portfolio (BDCs And mREITs) High Yield 10%, H1 2015 Update [View article]
    Call it want you want if you don't like the word "hope". Most everyone is parsing language now days and is offended by almost anything.

    The fact remains, some investors prefer a time certain YTW which comes with bonds, barring an actual default that is not cure

    How do you know your "plan" was not saved by TAXPAYER bailouts and ZIRP? What will save it the next time?

    "Of course no one can forecast the future."
    Thank you!
    Jul 19, 2015. 03:26 PM | Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    "he is getting paid for you guys to discuss Larry Swedroe in a column"

    Chris,

    What have you made so far on this column? Is SA for prospecting or the article fees? TIA.
    Jul 19, 2015. 12:10 AM | 1 Like Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    "As an advisor that manages almost $50M of client assets invested in DG stock portfolios"

    Today, would you take significant, meaningful, too old to make it back, gotta sleep-at-night positions in DG stocks.
    Jul 18, 2015. 11:54 PM | Likes Like |Link to Comment
  • 50/50 Portfolio (BDCs And mREITs) High Yield 10%, H1 2015 Update [View article]
    jr,

    Yield to Worst. Many investors are more concerned with credit risk than market risk and prefer a time certain yield barring an actual default.

    Common stock shareholders can't be assured of that of course and "hope" their investments work out as planned, but at the same time have almost unlimited upside to go along with the inherent risk and sleep-at-night factor.

    Many CD investors, have been pushed into bonds, and bonds to equities because of ZIRP.

    Some investors here state they will NEVER sell and don't care about paper losses (or gains).

    No such thing as a dumb question except "how many m's in dumb?" :)
    Jul 18, 2015. 08:26 PM | 1 Like Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    The issue, the question: "DGI Beats Indexing; What Beats DGI?"

    Proponents believe DGI is "safe n sane". Proven, back tested, etc.
    Why is that a rationale for adopting the strategy going forward?
    What if ZIRP saved DGI and not the so-called great companies and their managers?
    What will save DGI when/if the ZIRP impact fades?

    Some argue that central bankers and policy makers will intervene (like China now) to prop up or save equity markets (stocks and real estate) no matter what it takes and no matter who gets hurt (savers, pension funds, insurance companies...) because deflation, recession, depression are always the bogies.

    What beats DGI? A whole bunch of stuff has, but the article and some comments appear to say "active management" beats DGI.
    Jul 18, 2015. 08:18 PM | 6 Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    David,

    "In a well diversified portfolio ..."

    This is one of the main points of contention. What is well diversified now?
    No energy? No financials? Just consumer non-discretionary?
    Did you know to avoid BAC and C vs. WFC?

    Tell us what should we steer clear of today?

    Is well diversified, just an index or fund?
    Why is BlackRock so big? Are they are just another one that "doesn't get it"?
    Jul 18, 2015. 07:45 PM | 2 Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    Pend,

    Get your track record verified, post it.
    Start managing money.
    Jul 18, 2015. 07:11 PM | 2 Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    "If investors like me reach our goals, sleep well, and have fun doing it, and have fun trading stories and information about it, how does that hurt anyone?"

    Now you are getting to heart of it. In part, the div is like a safety blanket.
    In part, it allows the investor to pull the proverbial trigger.
    Jul 18, 2015. 07:09 PM | Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    The better question is how did Apple get bullied into paying a div?
    Jul 18, 2015. 07:03 PM | Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    "I have never (and this includes 2008-2009) had a client completely exit a DG portfolio."

    Wow, now this thread is getting wild. Never? No one got stopped out? How many contributors and commentors here talk about trailing stops?
    Jul 18, 2015. 07:02 PM | 1 Like Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    "the company could use the cash to pay down debt"

    Not under ZIRP. They can borrow at rates less than the div payout and buyback shares. Unbelievable!

    How do investors know for sure Apple and MickieD will be around 30 years from now.
    Jul 18, 2015. 07:01 PM | Likes Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    Conrad,

    Outside of the tax issues, it appears some investors see a div as sort of mark or maturity. A way to reign-in empire building and more investor friendly and more conservative.

    Of course some companies (they ain't stupid) have taken advantage of that psychology under ZIRP to lure shareholders.
    Jul 18, 2015. 06:55 PM | 1 Like Like |Link to Comment
  • DGI Beats Indexing; What Beats DGI? [View article]
    Why does the share price drop ex-div by the amount of the div?
    Are you arguing that a div is some sort of magical return on/of investment?
    Jul 18, 2015. 06:52 PM | 1 Like Like |Link to Comment
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