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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: Ditchdigger who wrote (26027)	12/7/2016 11:37:54 AM
From: E_K_S	Read Replies (1) \| Respond to of 34328

Your post made me look at my taxable Vanguard account and noticed I had limited exposure to equities in my taxable account. I sold 50% of my GNMA fund and started a position in their Vanguard Total Stock market Index Fund (VTSAX). The GNMA Fund duration is only 3.5 years and now yields 2.3%. The VTSAX has a dividend yield of 1.8% but 100% exposure to equities. I also hold funds in my Vanguard IRA which has been in their S&P 500 Index and is at/near an all time high. Both accounts have exposure to their Inflation Protected Fund (dividends are invested into this fund) as well as a small position in their International Fund. Today's exchange represented a 50% exchange from the GNMA fund into the Total Stock Market but only a 8% portfolio sector change. FWIW, The biggest change I made almost 7 years ago was to sell 35% of my S&P 500 Index fund (in the IRA portfolio) and move those proceeds into their Brokerage service. I set up individual dividend payers (now a total of 8 companies) based on the thread's recommendations. That portion of the IRA portfolio (the individual dividend payers) have grow to 44% of the total IRA portfolio and now spin off close to 5% dividend total yield (almost double the S&P 500 Index Fund dividend amount). FYI you can only Buy the Vanguard ETFs in a brokerage account, so I decided to just stay w/ their funds. The Vanguard ETFs have a very low expense ratio even when compared to their Index funds. I may take advantage of this by starting a position in one or more of their ETFs in my Vanguard Brokerage account if/when I decide to close out one or more of my individual stock/dividend holdings. The advantage of these ETFs is they are well diversified, low cost and carry only general market/volatility risk vs specific stock/company risk when holding an individual stock position. I think there are no brokerage fees either when you Buy/Sell their ETFs inside a Vanguard Brokerage account. EKS