- Joined
- Apr 14, 2006
- Messages
- 24,789
That is not the option you think it is.* Eventually, if you want to receive spending money from your investments, you have to either take dividends or sell and take capital gains. QDIVs and LTCGs are taxed the same. You seem like you want to let the tax tail wag the investment dog. I will always take more money, even if it means I have to pay taxes.No mention of Option C: invest differently, so that less of value created annually gets distributed as dividends, and more is reinvested back into the company? There are, one hears, equity funds that specialize in doing this. But they tend to have higher expense ratios and rather lackluster cumulative progress.
As to the quip about trolling, I shall forebear from taking offense. But I do wish that folks would realize, that Financial Independence merely means having no literal necessity to work. It doesn't mean self-absolution to start enjoying one's money, or to conclude the stage of life, that made accumulation possible in the first place.
I didn't say anything about trolling in my earlier post. But, since you asked, maybe that was not your intent, but it comes across that way.
*and I will note that was one of the first things suggested to you by other members.
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