Recent content by JoelT1

Taking dividends in a down market is essentially the same as selling shares, as the price of the stock is generally reduced by the amount of the dividend. Larry Swedroe has written on this topic.

My mother experienced an episode of severe fibromyalgia, which was cured by a nutritionally oriented physician. The key was eliminating inflammation, through diet and nutrition. So, all hope is not lost.

Dividends are not free money—Share prices are reduced by dividends. There is no difference between taking dividends and selling shares.

This study questions the bucket system https://blog.iese.edu/jestrada/files/2019/01/BucketApproach.pdf

Are Vanguard and Fidelity hobbyists? Because, they advocate total return investing.

Read Larry Swedroe’s Illuminating articles regarding dividends, which are online. He says there is no difference between taking dividends as cash and selling shares.

FWIW, the Wellington fund has sizeable increased its holdings of Google and Apple shares. Microsoft remains the largest holding.

Point taken.

Hi, thanks for your feedback. I thought *temporarily* taking dividends for living expenses during the virus and stock market panic would lessen depletion of my IRA balance from which I have been making monthly withdrawals (selling shares).

As the OP, just to clarify, my IRA is in a tax-deferred account. My technique has been to take monthly withdrawals (sell shares) from my Roth IRA for living expenses. I also have a traditional IRA and do annual conversions to my Roth, in preparation for RMDs in the future. I have been...

I have been selling shares in my IRA monthly for living expenses and reinvesting dividends that are generated quarterly. Doing so has enabled my IRA to sustain its balance and even grow it. Is this a bad technique?

I have been selling shares from my IRA monthly to pay for living expenses.

Hi, first-time poster with a timely question regarding retirement in the period of Coronavirus. I’m retired, with an IRA balance that just a few weeks ago prior to the virus panic and stock market decline was about $950,000 and which has since declined to about $750,000. My IRA is comprised of...