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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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Poll: What is your annual cash income from securities?
Old 09-20-2012, 05:38 PM   #1
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Poll: What is your annual cash income from securities?

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
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Old 09-20-2012, 06:52 PM   #2
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I voted <45K with the provision that I have no way of knowing the dividend portion of gains in my (Cdn) registered accounts. IOW, I have <$45K dividends from my 'regular' investments. For Canucks, that leaves out RRSP, LIRA, TFSA etc. For Americans (I think) it leaves out IRA (anything tax defered).
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Old 09-20-2012, 07:02 PM   #3
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Quote:
Originally Posted by kumquat View Post
I voted <45K with the provision that I have no way of knowing the dividend portion of gains in my (Cdn) registered accounts. IOW, I have <$45K dividends from my 'regular' investments. For Canucks, that leaves out RRSP, LIRA, TFSA etc. For Americans (I think) it leaves out IRA (anything tax defered).
These are complications. But Americans can see what they get in interest and dividends in tax free or tax deferred accounts. I am not at all familiar with Canadian schemes.

My intent was not to limit this to currently taxable or even currently withdrawable income. The way I look at it, my income in a taxable account is perhaps a bit more valuable than income in a traditional IRA, but perhaps a bit, or a lot, less valuable than income in a Roth IRA.

Ha
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Old 09-20-2012, 07:24 PM   #4
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I took my total from my Schedules B and E from last year's tax return. Does not include capital appreciation of stocks/funds or Savings Bonds.

By the way, haha, your avatar has always reminded me of Paul Simon for some reason. I think I know why. Check out the link below. Must be the hat!

Amazon.com: Negotiations And Love Songs (1971-1986): Paul Simon: Music
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Old 09-20-2012, 07:31 PM   #5
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What about cash income from rentals? Or are you only interested in securities?
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Old 09-20-2012, 07:40 PM   #6
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I think the yield from all my investments (cash, bonds, i-bonds, equities) is just under 2%. Is there a reason you are interested in absolute dollars as opposed to as a percentage of the portfolio?
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Old 09-20-2012, 08:29 PM   #7
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401k's would be rather opaque as far as dividends (in my experience) unless you have a brokerage window. So mine is a pretty rough guess.
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Old 09-20-2012, 08:43 PM   #8
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What about cash income from rentals? Or are you only interested in securities?
I was really looking at completely passive, securitized, or interest income. I know many people will have many other sources of cash income-pensions, social security, perhaps alimony, rentals and part time businesses, but that is beyond my scope here.

@photoguy-I was looking for $ amounts, not percentages. Both are interesting and important, depending on what is being investigated. But we buy food and shelter with $s, not percentages.

Don't forget, no one needs to know any personal information, it is just for the survey.

Ha
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Old 09-20-2012, 09:02 PM   #9
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I was really looking at completely passive, securitized, or interest income. I know many people will have many other sources of cash income-pensions, social security, perhaps alimony, rentals and part time businesses, but that is beyond my scope here.

Ha
Thanks for the clarification.
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Old 09-20-2012, 09:08 PM   #10
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Quote:
Originally Posted by kumquat View Post
I voted <45K with the provision that I have no way of knowing the dividend portion of gains in my (Cdn) registered accounts. IOW, I have <$45K dividends from my 'regular' investments. For Canucks, that leaves out RRSP, LIRA, TFSA etc. For Americans (I think) it leaves out IRA (anything tax defered).
I think that is institution specific. I can see all that on my quarterly reports, including tax sheltered accounts. Too lazy to do the calculations, especially as I am rearranging things.
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Old 09-20-2012, 09:12 PM   #11
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You aren't as lazy as I am.
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Old 09-20-2012, 10:31 PM   #12
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I am lazy about virtually everything. But I am reasonably good about tracking big expenses. However income is something I know practically to the penny, since I update my income spreadsheet at least 4 times a year.
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Old 09-20-2012, 10:48 PM   #13
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Yeah, I'll do that too, when my portfolio and I are ready for ER.
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Old 09-20-2012, 10:52 PM   #14
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I'm not sure my answer would be meaningful. I currently have a fairly high dividend income from junk bond funds. One reason is that I currently have child and college deductions, no pension or SS income, so my Fed taxes are low.

Long term, I'd expect divs to be more in-line with something like whatever a 70/30 to 60/40 SPY/index bond fund would kick off. Or pssssst Wellesley? Roughly 3%? A significant part of a sub 4% WR.

-ERD50
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Old 09-20-2012, 11:41 PM   #15
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I have zero $ from securities.
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Old 09-21-2012, 05:25 AM   #16
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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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Old 09-21-2012, 06:43 AM   #17
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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.)
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Old 09-21-2012, 07:29 AM   #18
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Looks like some responders must really have the dough. $105K - $175K investment income (not withdrawals) = whew!

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Old 09-21-2012, 07:55 AM   #19
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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.
Bruce
Never the less I made a guesstimate by doubling the income from divs / interest on the 1040. Doubling is an estimate for the IRA accounts.
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Old 09-21-2012, 08:31 AM   #20
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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.
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