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Started By
Message
Reinvest vs send cash
Posted on 3/19/26 at 11:03 am
Posted on 3/19/26 at 11:03 am
I need advise what do i do? to continue to reinvest the dividends & interest on investments or send the cash to me
6
Posted on 3/19/26 at 11:07 am to themachinist
quote:If you don't need the cash to live on then reinvesting it will go a long way in building your wealth.
Reinvest vs send cash
Posted on 3/19/26 at 11:08 am to themachinist
Flatten tax. Take the income. Phantom income is taxed.
Posted on 3/19/26 at 1:32 pm to themachinist
Don't reinvest in same equity if you might tax loss harvest. It could trigger wash sale rule even if buying in IRA and selling loss in taxable brokerage.
Otherwise, treat it like any other dollar invest it where it best fits your investment strategy. Use it to rebalance. Only blindly reinvest if you'd otherwise forget and let it sit idle a long time.
I reinvested starting off. Then turned all mine off when I learned about loss harvesting and triggering wash sale. I've yet to loss harvest but if down market continues this could be the year. I now manually reinvest and stagger into the several index ETFs I own so I always have 1 or two I could sell for loss harvesting without wash sale.
Otherwise, treat it like any other dollar invest it where it best fits your investment strategy. Use it to rebalance. Only blindly reinvest if you'd otherwise forget and let it sit idle a long time.
I reinvested starting off. Then turned all mine off when I learned about loss harvesting and triggering wash sale. I've yet to loss harvest but if down market continues this could be the year. I now manually reinvest and stagger into the several index ETFs I own so I always have 1 or two I could sell for loss harvesting without wash sale.
Posted on 3/19/26 at 2:11 pm to BestBanker
quote:Elaborate please. This doesnt make any sense to me.
Flatten tax. Take the income. Phantom income is taxed.
Posted on 3/19/26 at 6:47 pm to themachinist
Unless you are retired and the cash is part of your income…
(1+k)^n
Compounding is 8th wonder of world. Don’t miss it - REINVEST!
Have a financial plan. Know what you will need, when and for how long. Compartmentalize your money toward those ends. Use compounding like soldiers, everyday they are working for you to meet your goals.
You may not realize it right now, but this fork in road that you present (to reinvest or cash) could be a $1 million decision. Maybe more. Much more. Don’t know your particulars
In general, and I scream from mtn top, I PROMISE COMPOUNDING OVER TIME will give you opportunity for financial freedom (and perhaps control of your time) you may not realize is possible.
(1+k)^n
Compounding is 8th wonder of world. Don’t miss it - REINVEST!
Have a financial plan. Know what you will need, when and for how long. Compartmentalize your money toward those ends. Use compounding like soldiers, everyday they are working for you to meet your goals.
You may not realize it right now, but this fork in road that you present (to reinvest or cash) could be a $1 million decision. Maybe more. Much more. Don’t know your particulars
In general, and I scream from mtn top, I PROMISE COMPOUNDING OVER TIME will give you opportunity for financial freedom (and perhaps control of your time) you may not realize is possible.
This post was edited on 3/19/26 at 7:58 pm
Posted on 3/19/26 at 8:12 pm to themachinist
I prefer to reinvest cash where appropriate. Dripping into the same stock is fine if you don’t have any better ideas, but I prefer to use cash to rebalance as needed. It’s taxable either way so use it wisely.
Posted on 3/20/26 at 5:47 pm to themachinist
Reinvest if you’re going long term.
I put $5,000 in Fidelity Blue Chip Growth in the mid 90s and have been letting it ride, untouched, ever since with dividends reinvested. It’s over $130,000 now. Nothing spectacular really, but it shows the magic of time and reinvestment. Get in and stay in.
I put $5,000 in Fidelity Blue Chip Growth in the mid 90s and have been letting it ride, untouched, ever since with dividends reinvested. It’s over $130,000 now. Nothing spectacular really, but it shows the magic of time and reinvestment. Get in and stay in.
Posted on 3/20/26 at 7:18 pm to slackster
quote:
I prefer to use cash to rebalance as needed
(1+k)^n
Nonetheless.
Reinvest in something where cash earns cash.
8th wonder of world.
Don’t miss it!
Posted on 3/21/26 at 8:00 am to TorchtheFlyingTiger
OP doesn't sound like a person that trades much. A buy and hold investor should generally re-invest. Most buy and hold stocks need not worry about tax loss harvesting. It sounds like just reinvesting in same stock is a good strategy for him. Easy to do, and will compound until he is ready to make a change.
Posted on 3/21/26 at 8:01 am to Twenty 49
quote:
Reinvest if you’re going long term.
I put $5,000 in Fidelity Blue Chip Growth in the mid 90s and have been letting it ride, untouched, ever since with dividends reinvested. It’s over $130,000 now. Nothing spectacular really, but it shows the magic of time and reinvestment. Get in and stay in.
Well said.
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