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Here is a link to Vita Nelson's DRPs. You are buying shares directly from the companies through her service. William provided another person with similar services.Anyone want to answer where ya get these...sound perfect for the kids who dont have lot of cash
Only on long term Canadian marijuana..I took about 25% of my 401K and pushed it into an overseas fund late last year that has been doing well. Is anyone thinking along the same lines, that being foreign stocks and markets will outperform the US markets this year?
Vita Nelson is the training wheels for entry and the big discounts from market are REITs and utilities because they eat capital like there's no tomorrow. Pipelines for example are an expanding annuity and they also include the thousand year old sewers of Europe, water lines, and underground utilities. REITs include hauling trash and janitorial work. Sodexho, a French REIT, even does the laundry at Mayo Clinic Jax. If you can get everything organized with 12 companies with the right xdiv dates and with 5% discounts you can make 85% a year for a while in DRIPs just moving some money around. Then the cycle swings the other way to fees, fees, fees for a while.Anyone want to answer where ya get these...sound perfect for the kids who dont have lot of cash
There ya go .bookmarked,.thanks. Understand value of Div reinvesting,late to the game but all 3 of those foreign stocks I listed pay a decent div which is reinvested and have appreciated nicely also.Here is a link to Vita Nelson's DRPs. You are buying shares directly from the companies through her service. William provided another person with similar services.Anyone want to answer where ya get these...sound perfect for the kids who dont have lot of cash
DRIP Investing - Direct Investment Plans & Dividend Reinvestment DRIPs | Moneypaper
Not sure how old you are, or when you are going to be drawing from your 401k, but given the dramatic run up we have seen since the new year, the amount of margin debt, the low volatility and the seemingly absence of any fear, I would have some hedges in place.
I don't mean to pry, and totally understand if you don't want to go into it but what happened in the Bush/Obama crash exactly? Did this same financial advisor pull you out of equities at that time or were you more in control of your investments prior to 2008? Also If you've been averaging 9% since 2010 that is quite a bit behind the rebound in the markets since the bottom in 09. ESPECIALLY IF your 401K mix has contained 75% US equities! Put another way, instead of split across 6 funds, possibly paying for a lot of turnover, management fees etc you could (that terrible word) have had it all in an S&P index fund (designed to track the S&P 500) and you would be way ahead.Not sure how old you are, or when you are going to be drawing from your 401k, but given the dramatic run up we have seen since the new year, the amount of margin debt, the low volatility and the seemingly absence of any fear, I would have some hedges in place.
I am almost ashamed to post. I have a 401K/IRA. It is split over 6 "FUNDS". I see a "guy" once twice a year to see if "I" should do anything. I never know anything. I can't move it around. I can't buy individual stocks. I am nothing but an observer. I don't know much about Bonds, but they are boring.
I asked the "guy" if I could have $1000 or so to play with on the site. He said "no". I could pull it out and try I suppose? I had made one attempt in my life. It took me two years to break even on one lousy stock.
I was badly damaged by the Bush/Obama crash. I moved what was left into a very safe target date fund (mostly CASH/BONDS?). This financial adviser has gotten me to move some of it around over the years. I heard him say "dividend fund" at least a few times.
2017 performance overall was a few percent below S&P 500 at 16.27%. Thank you DJT for spurring Growth!
Previous two years were terrible?
0.62%
5.25% ***I think most of this growth was from NOV 08 2016 to end of year.
This is the only years it shows? in detail?
I think it shows since JAN 26, 2010: I have AVG'd 9% overall? Is that any good?
finally: details on these funds require a Google search. Some are 75% US equities, 25% non-US. Some are Bonds-Cash. It is impossible to quantify exactly what I have. too painful.
I am at the mercy of some Wall St. Physco.....probably best that way. I am pretty good with Math.......but I don't know the Financial World. Hope I am not holding too much BitCoin?
DRIP investments are incredible for kids if you are in a position to open one for them or give them some guidance if they are adult age. The compounding effect of reinvesting dividends quarter after quarter, year after year plus the stock price appreciation is very difficult to beat.Anyone want to answer where ya get these...sound perfect for the kids who dont have lot of cash
Your doing fine dude, I was comparing the total gain of the S & P from the bottom in 2009 which is around 160% but who buys at the bottom right? I was just poking a bit at your advisor having you across 6 funds. It might be worth just asking him in a polite way "Say you know it's hard for me to see what I'm paying in fees can you help me understand that? And "would it be simpler and cheaper if I could consolidate down to maybe 3 funds instead of 6?" But yeah you're fine. Heck there are millions of people who bailed in 2008 and 09 and have been in cash and bonds ever since.I calculate ~11.9% avg annual S&P 500 gain since
start of 2010 thru 2017. correct?
View attachment 170338
So.......I am ~2%/year behind the curve? compounded.
Easy to say now. What if it had crashed? And mine did not lose as much?
That makes me feel a little bit better..........but I know.
No risk....no reward. No Nuts.......no blue chips.
Your doing fine dude, I was comparing the total gain of the S & P from the bottom in 2009 which is around 160% but who buys at the bottom right? I was just poking a bit at your advisor having you across 6 funds. It might be worth just asking him in a polite way "Say you know it's hard for me to see what I'm paying in fees can you help me understand that? And "would it be simpler and cheaper if I could consolidate down to maybe 3 funds instead of 6?" But yeah you're fine. Heck there are millions of people who bailed in 2008 and 09 and have been in cash and bonds ever since.I calculate ~11.9% avg annual S&P 500 gain since
start of 2010 thru 2017. correct?
View attachment 170338
So.......I am ~2%/year behind the curve? compounded.
Easy to say now. What if it had crashed? And mine did not lose as much?
That makes me feel a little bit better..........but I know.
No risk....no reward. No Nuts.......no blue chips.
I'm in the same boat....lost half or more in the crash, I left it in the stock market though and did make some gains on what I had left in there, but unlike others who were still working and having new additional money each week go in to their 401k, since I had decided to be a home maker around that time and not work anymore, I had no new money withdrawn from my paycheck going in that would have made up for the losses by getting the huge gains the market made....Your doing fine dude, I was comparing the total gain of the S & P from the bottom in 2009 which is around 160% but who buys at the bottom right? I was just poking a bit at your advisor having you across 6 funds. It might be worth just asking him in a polite way "Say you know it's hard for me to see what I'm paying in fees can you help me understand that? And "would it be simpler and cheaper if I could consolidate down to maybe 3 funds instead of 6?" But yeah you're fine. Heck there are millions of people who bailed in 2008 and 09 and have been in cash and bonds ever since.I calculate ~11.9% avg annual S&P 500 gain since
start of 2010 thru 2017. correct?
View attachment 170338
So.......I am ~2%/year behind the curve? compounded.
Easy to say now. What if it had crashed? And mine did not lose as much?
That makes me feel a little bit better..........but I know.
No risk....no reward. No Nuts.......no blue chips.
Finally........My posts are not clear. I got out of control. A lot of posting seems lost?
After losing "half" in the crash, I managed to make some back in 2009 from bottom before going to the IRA in 2010 JAN. But from today-then (2743/865 = 3.17). I am not up 3X from what I had before the crash. I am sure of that? Closer to ~2X? I could dig out old paper maybe but it is what it is right now.
I don't quite remember all of that time as I was in/out/looking desperately for work....during those days.
I took about 25% of my 401K and pushed it into an overseas fund late last year that has been doing well. Is anyone thinking along the same lines, that being foreign stocks and markets will outperform the US markets this year?
I've made plenty of mistakes in my investing over the years but the best thing I ever did was bite my lip and ride out the last crash without selling anything and continuing to "buy" through dividend reinvestments. If you can stomach it, you will never get shares cheaper than when there is blood in the streets.I took about 25% of my 401K and pushed it into an overseas fund late last year that has been doing well. Is anyone thinking along the same lines, that being foreign stocks and markets will outperform the US markets this year?
At age 42 all i do is keep 5% in bonds, rest is stocks and mostly US stocks, with about 12% in a Euro/Pacific Fund.
Still young enough that a market dip/crash would actually be helpful as I could get more shares for less $$ every pay period.
Not going to change anything till I'm around 50.
I've made plenty of mistakes in my investing over the years but the best thing I ever did was bite my lip and ride out the last crash without selling anything and continuing to "buy" through dividend reinvestments. If you can stomach it, you will never get shares cheaper than when there is blood in the streets.I took about 25% of my 401K and pushed it into an overseas fund late last year that has been doing well. Is anyone thinking along the same lines, that being foreign stocks and markets will outperform the US markets this year?
At age 42 all i do is keep 5% in bonds, rest is stocks and mostly US stocks, with about 12% in a Euro/Pacific Fund.
Still young enough that a market dip/crash would actually be helpful as I could get more shares for less $$ every pay period.
Not going to change anything till I'm around 50.
And IF you were 50 when the stock market crashed and you lost 50% of your entire lifetime 401k savings, what would you do? What would be the best thing you could do?I took about 25% of my 401K and pushed it into an overseas fund late last year that has been doing well. Is anyone thinking along the same lines, that being foreign stocks and markets will outperform the US markets this year?
At age 42 all i do is keep 5% in bonds, rest is stocks and mostly US stocks, with about 12% in a Euro/Pacific Fund.
Still young enough that a market dip/crash would actually be helpful as I could get more shares for less $$ every pay period.
Not going to change anything till I'm around 50.
