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Posted on 7/11/26 at 8:20 am to wallowinit
quote:
So they go deep in debt to accumulate all of that right away and find themselves in nearly insurmountable debt and then complain how unfair it is
Even in a place like Baton Rouge you gotta spend at least 250k to buy a house if you don’t want to get shot
Posted on 7/11/26 at 8:26 am to T1gerNate
Do your research before diving into dividend stocks/funds. There are a lot of dividend proponents out there that dont get into the nuances of why they may be a poor choice.
Dividend stocks create tax drag in taxable accounts whether you pull the income or not. They work better in tax differed retirement accounts.
I don't get the preference for dividend stocks given their consistent under performance. When a dividend pays out it reduces the underlying share value so might as well be selling shares yourself when desired. Besides, why would I choose to put my capital into a company that determines the best use of excess capital is to give to right back instead of investing it for more growth/profit? I prefer to determine when to extract my capital.
Dividend stocks create tax drag in taxable accounts whether you pull the income or not. They work better in tax differed retirement accounts.
I don't get the preference for dividend stocks given their consistent under performance. When a dividend pays out it reduces the underlying share value so might as well be selling shares yourself when desired. Besides, why would I choose to put my capital into a company that determines the best use of excess capital is to give to right back instead of investing it for more growth/profit? I prefer to determine when to extract my capital.
Posted on 7/11/26 at 9:46 am to Porter Osborne Jr
quote:Not exactly sure what middleman you're referring to.
Can I do this myself and cut out the middleman?
Yes, you can buy ETFs yourself with no fees using a low cost brokerage firm (Vanguard, Schwab, Fidelity, Robinhood, etc) no need for an advisor if thats what you mean. For an index ETF expense ratio can be extremely low for instance VTI (Vanguard Total Market ETF) charges only .03%.
In theory you could cut even that minor expense by direct indexing yourself (buying shares of individual stocks to replicate the index) but that requires a larger balance and is a more advanced tactic.
This post was edited on 7/11/26 at 9:46 am
Posted on 7/11/26 at 9:54 am to TorchtheFlyingTiger
quote:i.e. it becomes a daily job
In theory you could cut even that minor expense by direct indexing yourself (buying shares of individual stocks to replicate the index) but that requires a larger balance and is a more advanced tactic.
Pass
Posted on 7/11/26 at 12:12 pm to TorchtheFlyingTiger
quote:
Not exactly sure what middleman you're referring to.
Yes, you can buy ETFs yourself with no fees using a low cost brokerage firm (Vanguard, Schwab, Fidelity, Robinhood, etc) no need for an advisor if thats what you mean. For an index ETF expense ratio can be extremely low for instance VTI (Vanguard Total Market ETF) charges only .03%.
In theory you could cut even that minor expense by direct indexing yourself (buying shares of individual stocks to replicate the index) but that requires a larger balance and is a more advanced tactic.
Thank you. I was talking about a stockbroker or having someone else purchase it for me. I haven't gotten into investing outside of my pension so I'm ignorant of all this.
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