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View Poll Results: What is Annual Amount of Your Cash Investment Earnings
<$15,000 42 31.11%
<$30,000 31 22.96%
<$45,000 21 15.56%
<$60,000 12 8.89%
<$75,000 5 3.70%
<$90,000 5 3.70%
<$105,000 7 5.19%
<$175,000 7 5.19%
<$250,000 3 2.22%
>$250,000 2 1.48%
Voters: 135. You may not vote on this poll

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Old 09-21-2012, 08:42 AM   #21
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I am in the low end of the $30k-$45k range with only taxable account dividends (including muni bond fund dividnds) and still in the that range including IRA dividends.

I also included short-term cap gain distributions from my mutual funds which are, for tax purposes, included on Schedule B as taxable dividends. Haha, is this okay? (I would still have chosen the same range.)
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Old 09-21-2012, 09:00 AM   #22
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Originally Posted by obgyn65 View Post
I have zero $ from securities.
From his first post, Ha wanted to include CD's in this survey.

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Originally Posted by haha View Post
I have had trouble making these polls precise enough, but what I am looking for here is dividends, interest, MLP distributions, etc., but not capital gain income or capital gain distributions from funds. Cds, savings accounts etc are considered securities for this poll.

This was actually an interesting exercise for me

I've not considered this before other than what is reported on the 1040. To discover the total I had to look into the funds within the IRA's to see the dividends and also our I-Bonds which accrue interest each year but are not taxed until withdrawn.

As mentioned above, the last 2 categories have > instead of <. If you'd like the text changed, let me know.
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Old 09-21-2012, 09:04 AM   #23
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Why separate out "income" from total return? I'm really curious to see the answer.
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Old 09-21-2012, 10:37 AM   #24
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It's interesting to see that many people don't track their dividend and interest income. I am quite obsessed with tracking that kind of data. I have the spreadsheets to prove it.
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Old 09-21-2012, 10:46 AM   #25
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Previous polls here put the average investment income rate at roughly 2.5%. So one can multiply the values of this poll by 40 to get a rough estimate of the total amount of securities held.
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Old 09-21-2012, 10:48 AM   #26
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....This was actually an interesting exercise for me ....
Me too. I knew was it was for our taxable accounts since that shows up on our tax return, but I had never looked at "income" across taxable, tax-deferred and tax-free accounts. It is a high percentage of our annual living expenses so it makes me feel even better about retiring.
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Old 09-21-2012, 11:29 AM   #27
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Why separate out "income" from total return? I'm really curious to see the answer.
For tax-deferred accounts such as IRAs and 401(k)s, I don't make a big distinction between growth (unrealized cap gains), cap gains distributions, and dividends because none of it taxable and any distributions are reinvested automatically.

But for taxable accounts I do make a distinction, especially as an early retirree who is living off (most of) the dividends while the cap gains distributions and some of the diivends are reinvested. Furthermore, the income from the taxable accounts are subject to different levels of taxation - some federal as ordinary income, some federal at LTCG rates (which is zero for me), and some subject to state income taxes - and various combinations of those three,
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Old 09-21-2012, 12:06 PM   #28
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I have had trouble making these polls precise enough, but what I am looking for here is dividends, interest, MLP distributions, etc., but not capital gain income or capital gain distributions from funds. Cds, savings accounts etc are considered securities for this poll. On your tax return, this is stuff that will show up on your schedules B or E for the most part, if it is held in a taxable acount. No need to differentiate between taxable and deferred or tax free accounts. All income credited goes here. I am ignoring the special tax treatment of certain dividends. I also am not looking for money you withdraw, only account earnings whether you leave it in place or withdraw it to spend. If you take $40,000 from your accounts, but the accounts only show cash earnings of $20,000, then $20,000 is the figure we are looking for here.

I should stress that this can be done completely blind- a person can fill out the poll, but not post any commentary. If it still seems intrusive, just ignore it. I hope we can get some aggregate info, I am not looking for anyone's personal details

Ha
I'll ask this as a binary question, but answer any way you would like to:

Do dividends inside an IRA count in this poll?
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Old 09-21-2012, 12:12 PM   #29
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I had the number for taxable but had to guesstimate the number for our 401ks/IRAs. Probably in the ball park. Why did you make the last two entries greater than or was those brackets typos? (I'm not up there - just asking.)
Good spot. Maybe a mod can fix it. I meant <$250,000 and the highest one should then be >$250,000.

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Old 09-21-2012, 12:12 PM   #30
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I'll ask this as a binary question, but answer any way you would like to:

Do dividends inside an IRA count in this poll?
Yes.
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Old 09-21-2012, 12:15 PM   #31
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Why separate out "income" from total return? I'm really curious to see the answer.
Because they are completely different questions, and in this poll I happened to be more interested in cash income. I am not saying that cash income is more important than total return, just different.

Ha
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Old 09-21-2012, 12:22 PM   #32
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Good spot. Maybe a mod can fix it. I meant <$250,000 and the highest one should then be >$250,000.

Ha
Done.
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Old 09-21-2012, 12:26 PM   #33
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I also included short-term cap gain distributions from my mutual funds which are, for tax purposes, included on Schedule B as taxable dividends. Haha, is this okay? (I would still have chosen the same range.)
Sure; I am not the police. If that is easier for you, whatever you do is OK.

The rationale for my conception is my belief that dividends and interest often are more robust than capital gains, realized or unrealized. I know many others feel differently, and that is fine.

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Old 09-21-2012, 12:30 PM   #34
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Including tax free interest from municipals, I presume. My goal is to have enough interest and dividends to make ends meet without drawing down the principal.
Yes, I do intend non taxable interest to be included. And my goal is the same as yours. To me, capital gains are for increasing my wealth, dividends and interest are for living.

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Old 09-21-2012, 12:42 PM   #35
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The rationale for my conception is my belief that dividends and interest often are more robust than capital gains, realized or unrealized. I know many others feel differently, and that is fine.

Ha
I agree with your belief. One caveat is how much you have to stretch to generate that income. I could generate more income by replacing my investment-grade bonds with junk bonds for example. I could also generate more income by investing in Frontier Communications instead of AT&T. In both cases my income would be higher, but would it be equally "robust" as you put it?
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Old 09-21-2012, 01:12 PM   #36
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I like the idea of not including capital gains, because I choose to reinvest them.

Thanks for the poll - - I thought it was fun.
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Old 09-21-2012, 01:22 PM   #37
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I like the idea of not including capital gains, because I choose to reinvest them.
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Old 09-21-2012, 01:32 PM   #38
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I don't know and I don't really care. Total return of the portfolio is what is relevant to me.
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Likewise I prefer the total return approach. I am sold on having a diversfied portfolio through retirement and to me the total return approach makes the most sense. I try to avoid emphasizing interest and dividends as I have an urge to chase yield that I need to contain.
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Old 09-21-2012, 01:40 PM   #39
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Looks like some responders must really have the dough. $105K - $175K investment income (not withdrawals) = whew!

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Technically, income <15000 is also <250000.
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Old 09-21-2012, 01:45 PM   #40
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No dividends show up for any of the TSP thrift savings plan funds. Any idea on how to estimate?
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