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

To: TigerPaw who wrote (26465)	2/4/2017 11:20:20 AM
From: robert b furman	Read Replies (1) \| Respond to of 34328

Hi Tiger, That rule was forcing advisors into never recommending anything that has high risk - fear of being sued. I think if you were investing in a dividend growth portfolio, it would never have impacted you. I too am hooked on Scottrade's Elite charting and will more than likely have to relearn a charting and oscillator system. I also have Interactive Brokers and love their low cost commissions. Also have Tradestation - but don't trade it as frequently as IB - so it is a bit pricier - unless you trade a lot. I really like my IB account - recommend you get familiar with an alternative system before the transition nears. Not being familiar with a system and wanting to make a trade can be a scary and easy to make a mistake while hurrying kind of learning experience. Bob

To: TigerPaw who wrote (26465)	2/5/2017 12:43:42 PM
From: geoffrey Wren	2 Recommendations Recommended By JimisJim research1234 Read Replies (2) \| Respond to of 34328

I am not inclined to hire an expert to actively manage my assets. No reason to believe that you would ever come out ahead after considering the costs, which would be if actively managed mutual fund, around 1-2% of assets per year in independent adviser, ?? (you report 10k-12k a year) And for sure I would not use one of the "thundering herd" at Merrill Lynch that wants to charge 1% per annum and trading fees. I consider them to be glorified salesmen and saleswomen. When I get to this spot I figure I will put all assets into some low cost etfs holding something like: utilities, REITs, higher dividend payers, S&P 500, and some junk bonds, and collect my income, and chip away at principle when and if needed. If you would like some advice get some advice, consider getting it by the hour, and seek to have a portfolio that is as much "set it and forget it," as can be obtained. Probably a good idea for most to get a good CPA to review one's set-up for tax implications when doing the annual tax return.

To: TigerPaw who wrote (26465)	2/5/2017 1:33:32 PM
From: E_K_S	Read Replies (2) \| Respond to of 34328

Advise: You might consider subscribing to a newsletter and/or investment service Web Site (ie MorningStar) and/or some specialty Web service site (that focuses on dividends and provides one or more model portfolios). My Dad bought the hard copy subscription to Value Line and each week/month they sent you an update supplement that you put in this big black binder. I remember looking through this as a teenager and that is what got me interested in the market. It was always there on the coffee table and it spurred questions to my father on what was 'Alpha', what are PE's and what are these value line ratings. I would go to the library and read the Value Line updates and their simple stock rating was very good. Most of this information is now available on your Broker's Web site (for Schwab it is found under Research) and I look at the individual stock reports (these are similar to the old Value Line inserts). The key is you now have to make the effort to dig these reports out. Before they were just mailed to you, so that is why a hard-copy newsletter might be worth the time. If anybody still reads newsletters, can you post the ones you like and why. I am thinking I might try something conservative and simple that tracks a model portfolio. I used to listen to Bob Brinker and know he did one. For me, it's more about getting new stock ideas. Also, I am thinking of building up a core position of ETF's to supplement and/or replace my Vanguard Funds. FWIW, My long-term retirement plan is to hold a core of Vanguard Mutual Funds and/or ETF's. I guess I have 20-30 years to convert my individual stock holdings to these managed funds. Also, it's pretty easy for my Trustee to distribute shares to my list of beneficiaries rather than deciding who gets what individual stocks. EKS

To: TigerPaw who wrote (26465)	2/6/2017 12:57:09 PM
From: deeno	1 Recommendation Recommended By Thehammer Read Replies (1) \| Respond to of 34328

OT Times are a changing' fiduciary "competition for fees"? Well I think you have a number of conflicting problems when wanting someone to handle your accounts. First you are only considering what you want. In order to be a “fair” deal you must consider what the advisor wants. If you’re looking for someone that is active, I understand the fiduciary standard is a nightmare. Besides the rules and regs, the documentation necessary to make anything other than a generic recommendation leads them limit the amount of time and advice they can give to people wanting to be “active”. So what you have are “good advisors” who want to make a living, paring back the number of people they can physically handle. Those clients left then need to pay the advisor a “living wage”. That living wage defines not only their lifestyle but growth of lifestyle. This will come from upgrading clients not adding clients. As “active” advisors, with any decent reputation, a shortage of clients are not an issue when fiduciary standards become de rigueur. Now Those that learn to scale then pick up what the “good” ones give up. The ones that scale can only do so by providing boxes of models to pigeon hole clients into so as to streamline reporting and documentation. As a client to them you are one of the multitude you would need to be compliant and pay enough to be worthwhile. If they “beat” the market for any length of time you still run the risk of falling by the wayside if you’re not paying full bore. That leaves you newbies, losers and non-professionals. Not a very enticing group to be active managers. So in order to hire someone capable of doing something active what do you bring to the table? Although it’s true you say that you need just a “small amount of monitoring”, you still take up one spot on somebodies roster. So for you fiduciary standard is probably the beginning of the end to your being able to hire someone who is “active investing” at what you might call a “fair” price. Personally I like paying people for ideas they bring to me. No ideas, no pay. Lots of ideas, mucho dinero. Learn who I am, what I’m interested in, show me why the idea works, I’ll decide. When I’m done making decisions any robo ETF model will likely be fine. In fact at that point I won’t care anyway. My heirs might……

To: TigerPaw who wrote (26465)	2/11/2017 10:33:37 AM
From: E_K_S	1 Recommendation Recommended By Thehammer Read Replies (1) \| Respond to of 34328

Simply Safe Dividend - Now Following If you follow this Seeking Alpha Contributor you get automatic email alerts of dividend payers that can be possible new adds to your dividend portfolio. (NOTE: To follow, you must register to the SA site which is free. You create a userID/password and provide your email. I also use the SA Android App portfolio/watch list for stocks I like to monitor) Simply Safe Dividends Following Simply Safe Dividends helps conservative dividend investors increase current income, make better investment decisions, and avoid risk. Brian Bollinger, CPA, runs Simply Safe Dividends and previously worked as an equity research analyst at a multibillion-dollar investment firm. ----------------------------------------------------------- Got this email alert this AM: Abbott Laboratories: A Top Dividend Aristocrat Down 15% From Its High ABT is one I have owned for years but never added to it. What is nice about following the Simply Safe Dividend SA contributor is I get reminded on companies that I might want to consider. So far not too many alerts and some I already follow in my want to buy watch lists. It's confirms that I at least am watching some good candidates if/when they reach my price point. FWIW, not a subscriber to the Simply Safe Web Wed Site service (not even sure if this contributor is affiliated w/ them) but it's something new I thought I would try at least for 6 months. EKS