Investing 102

[GregWeld]

Gotta love them dividends!! Sell in May and go away??? No Way... not when they pay!!

HAHAHAHAHA --- I'm quite the rhymer!


I'm NOT trying to show you "my" income here.... what I'm trying to do is to entice you - urge you - spur you on.... and also prove to you, by showing you that these dividends keep on coming - down market / up market / market noise / eurozone bank troubles.... WHO CARES.... this is real money that either buys (reinvested) more shares paying you even more dividend which buys more shares ---- Or you live off them like Mike and I do. Just depends on where you are in life.



05/15/2012 (NNN) NATIONAL RETAIL PPTYS REIT
type: ORD DIV - CASH
$2,695.00
05/15/2012 (KMP) KINDER MORGAN ENERGY LP UNIT LTD PARTNERSHIP INT
type: ORD DIV - CASH
$7,200.00
05/15/2012 (EEP) ENBRIDGE ENERGY PTNRS LP
type: ORD DIV - CASH
$5,325.00

[GregWeld]

Originally Posted by GregWeld

Gotta love them dividends!! Sell in May and go away??? No Way... not when they pay!!

HAHAHAHAHA --- I'm quite the rhymer!


I'm NOT trying to show you "my" income here.... what I'm trying to do is to entice you - urge you - spur you on.... and also prove to you, by showing you that these dividends keep on coming - down market / up market / market noise / eurozone bank troubles.... WHO CARES.... this is real money that either buys (reinvested) more shares paying you even more dividend which buys more shares ---- Or you live off them like Mike and I do. Just depends on where you are in life.



05/15/2012 (NNN) NATIONAL RETAIL PPTYS REIT
type: ORD DIV - CASH
$2,695.00
05/15/2012 (KMP) KINDER MORGAN ENERGY LP UNIT LTD PARTNERSHIP INT
type: ORD DIV - CASH
$7,200.00
05/15/2012 (EEP) ENBRIDGE ENERGY PTNRS LP
type: ORD DIV - CASH
$5,325.00

FORGOT TO REMIND YOU THAT DIVIDENDS COME FOUR -- COUNT 'EM -- FOUR TIMES PER YEAR!

[GregWeld]

Okay -- ONE more post because it's relevant given todays dividend post etc.... and more importantly -- the "downer" market we've been having (typical by the way in May).

Please go to Google Finance -- link pasted here -- and look at this chart. This is simply an EXAMPLE being used - since it just paid me a nice dividend....

What I want you to do is to click the "ALL" time frame (top of the chart) to expand (zoom) the time frame out... NOTE the SPLITS (2 for 1 --- TWICE!) and the line from left to right....

Now -- Note the DOWN blips in the chart... and ask yourself where you'd be had you BOUGHT then. Now note the HUGE dip where the world was coming to an end -- the sky was falling ('08).... and please note that had you bought THEN you'd have DOUBLED your money since....

I AM NOT recommending this stock! I'm using this chart because it's so typical and I'm trying to get you to understand that all the "noise" is just that.

http://www.google.com/finance?q=NYSE:KMP

[Payton King]

You are a poet and don't know it, but your feet show it...they are Longfellows

Back to our regular program.

[Bucketlist2012]

Greg...

You are too funny..

The sell in May and go away is crazy too...I don't sell anything unless I want to..And I am not selling...

It is more like Buy more ..At cheaper prices....Soon I will.

Getting in and getting out is NOT part of Investing or this Thread..

Again I have friends that try to time everything..The same people sold in 2008 and "waited" to get back in...Even funnier, the same people tried "penny stocks"...Some are still waiting....

Sure May and a few months after are historically down months..But Buying and selling and buying and selling is just madness..

I know things may get rough, but it is never a smooth ride...And as you say, the Dividends keep coming in...Not like yours, but they still keep coming in..

[toy71camaro]

Ok... long overdue.. but i *think* i got my 401k figured out...

According to Schwab's calculator.. i should do 50% large cap stocks, 20% small/mid, 25% international, and 5% cash (<--WTF does cash mean? lol)

Anywho.... I found what seem to be the two best large caps, FCNTX (0.05% div, but has some larger long term cap growth payouts, 9/22/5/8 on the 1/3/5/10 yr returns. Growth of 10k over 10yr = 22k) and RWMFX (pays 2.55% div, 8/21/2 on the yearly returns (growth on 10k/10yr = 16k). Both holding a bunch of dividend champs.

Not sure if i should dump all 50% in one or the other, or split that 50/50...

Unfortunately, same question for the international group.. found 2 that I'm not sure to go with: RIRFX and FWIFX. Both full of div champs...

almost there.. just need to pinpoint the final touches...

And then, whats this 5% cash investments group? lol

If any of ya want to PM me to offer some advice, please feel free. I'll take any i can get. lol

[GregWeld]

I own the Fidelity Contra Fund (FCNTX) and over the years it's done very decently...

The American Fund (RWMFX) looks decent and has good names in the bag...

I would NEVER put too many eggs in one basket -- so if you're going to go -- at least split the investment between these two. They don't overlap much so that's good!

Personally -- I think you'd do better over time with just one International fund - Take a real good look at the overlap of these three (you picked 4) funds... and you'll see some crossover of the investments. Another reason I don't like MF's but you're stuck with what you're stuck with.

So I'd pick THREE of these MF's and split your investment into thirds and go with it.

There is ABSOLUTELY NO REASON TO HOLD CASH of any kind in a 401K.... that's such a dumb recommendation! You can't withdraw without major penalties and taxes due so why hold cash? It's not a friggin' bank account! Put 100% of those workers to work!!!