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437019

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  • Restructuring The Portfolio For Retirement [View article]
    Thank you for the article. Help me understand: during the accumulation phase my individual div growth stocks plow yield back in and buy more shares to ultimately yield more income. As such, my income grows. Would I receive the same type of income growth from a SCHD ETF? My concern is that the churn in the ETF would, over time, depress my income growth and yield on my investments. Valid concern or am I worrying over nothing here (which I've admittedly developed as an art form). In other words would
    The ETF essentially act as an annuity with a
    Flat income
    Stream whereas my individual stocks would grow with annual increases. Thanks.
    May 30, 2015. 06:02 PM | 1 Like Like |Link to Comment
  • My Income Portfolio Quarterly Update (Q1 2015) [View article]
    Solid article. Thanks for the path and the basis for your decisionmaking. Best of luck going forward.
    Apr 2, 2015. 01:20 PM | Likes Like |Link to Comment
  • Goldman Sachs is bullish Exxon, less so on Chevron, ConocoPhillips [View news story]
    Like Geitner, right?
    Mar 10, 2015. 10:36 AM | Likes Like |Link to Comment
  • What's Your Story? Dividend Growth Investing's Business Model [View article]
    I believe "Planning" came up with the 10% yield from Mr Van Knapp's comment re 10% yield on cost in 10 years.
    Feb 21, 2015. 12:06 PM | 1 Like Like |Link to Comment
  • My Dividend Goals For 2015 And After [View instapost]
    Hey DGI - I haven't finished the article yet but thought i'd jump in with one comment - your existing 401k with investment options limited to index funds (or funds in general) - you may want to check the rules of your 401k. The one i have at work allows me one withdrawal per year. I roll that over to my rollover IRA account at Fidelity which then allows me access to any investment vehicle I choose. I didn't discover this until a few years in but it's quite a nice feature - you may have the same.
    Jan 30, 2015. 01:45 PM | Likes Like |Link to Comment
  • Rebuttal: Ditching The 401k Is A Favor To The Taxman, But It Ruins Your Returns [View article]
    I do agree. However, each 401k investor should review their plan. The plan I participate in at work offers the ability to withdraw the balance once per year. I can take it as a regular distribution and pay taxes on it plus penalties (not a wise option) or i can transfer it to a tax deferred rollover account with (in my case) Fidelity. That's the best of both worlds in my opinion - it may be in yours too. I urge everyone to check their company's plan. This can be a powerful alternative as it potentially opens up all the investment choices rather than the few limited in the basic plan with my employer. I'm beyond the vesting period so I'm not sure if I was able to withdraw the company match prior to vesting (I am now). I didn't realize I had this option until I qualified.
    Dec 31, 2014. 10:13 AM | Likes Like |Link to Comment
  • Will Portfolio Returns Support Minimum Required Distributions? [View article]
    Mr Schwartz, Agree with the prudent approach. Mr. Bionic1 makes some goods points but, along the way, there is a sweet spot where conversions that don't bump you to the next tax bracket are the best path. Taken early enough, they allow you to build positions in a Roth where you'd reap the benefit of compounding and satisfy your income needs and other wishes (e.g. legacy). Sure, you pay Uncle Sam early and lose that compounding but put yourself in a position to start building similar positions in a Roth where the income is guarded from any taxes - now or later....all things considered. After all, the article assumes even, reasonable returns. We know that won't happen but we can make reasonable decisions annually based on where the market is and where we think it's going - hey, it's the best we can do. No guarantees here. Ha!

    Also enjoy your articles and comments.
    Nov 20, 2014. 10:47 AM | 1 Like Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    rashbaugh - could not disagree more. I have a 4.5% YOC investment with a 2.8% current yield and I'm going to cash out and invest in something with a 3.2% yield? That's a better investment? All other factors being equal? Seriously? That's the best use of my current funds? We can each provide an example of how the math works in our favor but be real. YOC is not a "deceptive and dangerous metric" when taken in context with other metrics and weighed against objectives. Scheesh!
    Sep 4, 2014. 12:47 PM | 6 Likes Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    Gbear65 - "What if I sell, take over three years worth of future dividend yields NOW and reinvest the total in, say, T. Am I better off?" You are better off if, by the result of your actions, your objectives are better served. Are you after higher income NOW? If so, then yes. Are are pursuing higher income (and growing) five years from now? Maybe not - maybe you were better off staying put. Did you want/need to diversify to improve your safety zone as well as your current income? Maybe. You actually say this more succinctly in your last sentence. Point is - YOC is an important factor to consider but not the only one. I doubt the author meant anything different - especially when his other articles are considered as a backdrop.
    Sep 4, 2014. 12:32 PM | 2 Likes Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    I too have struggled with this concept in the past. I've poked and prodded it trying to disrupt the logic. We all have - perhaps I should say - I have - a second guess or wander lust mentality: Gee, I see this portfolio that I have - it's serving me well but can't I do better? So I start looking around - what about this? That? Hmmm....

    Ultimately, I come back to this reasoning - if I have a YOC of, say, 4.5% on a given stock in my portfolio but the current yield is 2.8% am I going to move my investment out of the 4.5% YOC investment to something currently yielding 3.2% because it beats the 2.8% current yield? THAT is when YOC - for me at least - slaps me upside the head and says - HEY! STAY PUT! WHAT ARE YOU DOING? This obviously is one factor in the investment decision but it IS an important one - IMO.
    Sep 4, 2014. 09:55 AM | 9 Likes Like |Link to Comment
  • Seagate: 3 Different Insiders Have Sold Shares This Month [View article]
    Tuition
    May 20, 2014. 03:42 PM | 1 Like Like |Link to Comment
  • BDC Pricing And The Russell Indices: Part 3 [View article]
    BDC - Thanks for the article. I had been wanting to diversify my portfolio and waded into PSEC JUST before the recent collapse expecting a nice pop on earnings only to find.....oh well - no guarantees, huh?!

    That aside - I'm hanging in there as I think PSEC is a solid investment. Your brief but specific comment on this one would be most appreciated. Thanks in advance and, again, thanks for the article and articles - very informative.
    May 20, 2014. 03:36 PM | Likes Like |Link to Comment
  • Unplanned Early Retirement, Part 3 - REITs In My IRA [View article]
    John, Steve Rasher (commenter above) mentions articles from Brad Thomas (contributer here on Seeking Alpha). You might want to visit his (Brad's) writings. He writes almost exclusively on REITs and, I'm sure, you'll find a wealth of information on some of his articles re structure, operations, financials, pressure points, things to watch for, etc. Plug his name in the "Search by" box at the top. Best of luck.
    Apr 30, 2014. 02:07 PM | 2 Likes Like |Link to Comment
  • Starting A Retirement Portfolio For 2014? Start With These 'Surprise' Stocks [View article]
    Hello Bob,

    I am participating in my company's 401k plan since I started here and was somewhat frustrated with the ok but limited investment offerings. However, I discovered that I could transfer the balance, once per year, to a rollover account (in my case, Fidelity).

    My point is that you are indeed correct Bob that "most wage earners will be restricted by the offerings of their 401ks". However, we should check our plans to see if there are options. Care should obviously be exercised to not take the balance as a distribution that would subject the investor to taxes on the withdrawal rather than a rollover to another tax deferred vehicle.

    Thanks to all for so much great information shared through this site.
    Jan 7, 2014. 08:59 AM | 1 Like Like |Link to Comment
  • Consider Building Your Intelligent REIT Portfolio With These 5 REITs [View article]
    Hey Brad,

    Thanks for another good one. A brief comment on MNR would be more than welcome. Watcha think?
    Aug 15, 2013. 02:02 PM | Likes Like |Link to Comment
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