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Strategies & Market Trends : Dividend investing for retirement
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To: E_K_S who wrote (30432)1/17/2019 10:54:43 PM
From: JimisJim2 Recommendations

Recommended By
berniel
E_K_S

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Oh, and while the math you presented for the 4% rule is obviously correct, I'd bet that 90% of the folks retiring and using the 4% rule somehow missed the distribution part -- when I hear folks like Orman or Cramer talk about it, they are always talking about non-divvy stocks and selling 4% of the acct. value -- I know my brother earns just over 1% on his money and that he pays a guy that's fee based on money under management that probably soaks up more than that 1% divvy/dist. income he might be earning.

Think about it... what does Suzy always pound the table about? Buying broad or whole market index funds that pay less than 2% on average and many do not pay at all... so how are they going to meet RMDs and/or take 4% a year in distributions... just how do they get that money without selling some passive index ETFs or mutual funds???

And Cramer is all about trading regularly... buy, sell, buy buy buy... sell, sell, sell.... those are his trademark remarks!

I remember someone once had a website where they used theoretical money and invested/sold based on Cramer's remarks every day... and they had a chimpanzee throw darts... the chimp won every year...
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