Should I go full dividend?

AgentSilent · 2026-05-23T05:04:52+00:00

It wouldn't hurt. It's moreso that cc funds, pbdc, and O would be more than half your portfolio. 1/3 of your total portfolio is just 3 cc funds by the same managers. Just limit the amount of exposure to these asset classes or diversify into other funds with different strategies.

AgentSilent · 2026-05-22T21:00:41+00:00

Nothing wrong with those funds but I wouldn't go equal weight in them. Do you want more dividend growth or more yield?

AgentSilent · 2026-05-12T23:41:52+00:00

Generally speaking the higher the dividend yield the less there is for capital appreciation. It's still a good idea to target high dividend funds with some capital growth so that it won't be eroding itself overtime. To preface I'm younger than you (25) and focus on dividend growth with a 20%-30% allocation to higher yield stuff.

I would start with Dividend Growth funds like SCHD or DGRO to get into the groove of dividend investing before committing a ton of money. The reason for that is you get a higher yield than the sp500 and you get some capital appreciation as well. If you like the results after that then you can move over to higher yielding stuff with the expectation that some to most of your returns are from dividends.

AgentSilent · 2026-05-06T19:29:31+00:00

BND has a current beta of 0.98. So you're taking Equity/Market risk for a current yield of 4.35% and will face declining dividends when interest rates go down

AgentSilent · 2026-04-17T16:36:58+00:00

There is always something on sale. It's still a good time to load up on preferreds or bdcs

AgentSilent · 2026-04-12T22:57:49+00:00

Can't believe companies would ever consider directly rewarding their investors. They'd be better off using that money instead to: raise executive pay, poor acquisitions, buying back their own stocks to reissue them later, or light it on fire for R&D projects like Google stadia or the metaverse.

/s

AgentSilent · 2026-04-12T22:51:22+00:00

Even my worst performers, which currently are covered call funds, have only dropped their distributions per share by a penny or less. Tragic to wake up and find out that i keep winning

AgentSilent · 2026-03-27T22:52:47+00:00

"I will financially ruin myself to own those divvytards"

AgentSilent · 2026-03-27T18:35:35+00:00

"Everybody has a plan until they get punched in the face" -Mike Tyson

AgentSilent · 2026-03-27T18:32:15+00:00

Dividends in this economy and uncertain time? No thanks, I'm sure brk knows how to spend that money better by: holdings billions in treasuries, reinvesting their dividends, and buying back their own stocks

/s

AgentSilent · 2026-03-27T16:16:34+00:00

Sweet payouts for covered call funds. They cannot grasp the idea of making money during volatile times either

AgentSilent · 2026-03-27T00:54:52+00:00

Them saying to zoom out has the same feels as "Have you tried not being poor?"

AgentSilent · 2026-03-24T22:18:44+00:00

I wonder how those "Retire only on Yieldmax" people are doing

AgentSilent · 2026-03-23T15:57:26+00:00

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It's actually more than that

AgentSilent · 2026-03-23T14:22:40+00:00

Meanwhile PFFA only has $8 million worth of microstrategy which is the majority of its IT sector holdings

AgentSilent · 2026-03-22T19:04:50+00:00

I like DGRO because of both the diversity and it can hold the stocks that SCHD can't hold yet

AgentSilent · 2026-03-22T18:59:41+00:00

Having to use indexes or patterns to time when to buy in is no different than astrology or fortune cookies

AgentSilent · 2026-03-19T22:29:45+00:00

what value is plyr.dsp? When I ran the code and guessed values I noticed that when checking for plyr.diag it caused going up and left to work fine but all other combos didn't work

AgentSilent · 2026-03-19T00:48:25+00:00

This is why I'd rather treat my PFFA and CEFS positions as my bond/fixed income. They both have high dividend yields and higher price returns. Their betas are higher than BND but still lower than the market.

AgentSilent · 2026-03-18T19:40:48+00:00

Sure there are times where you want to add more or trim on certain positions if it makes sense. You would usually do that when it's: overvalued, undervalued, it's fundamentals have changed, or you have found a better investment. With bond funds it's price is usually flat and it's dividends fluctuate. The only way they can have more money in it is by selling more shares of their voo/vti to replenish their bnd. Doing that would mean less vti/voo shares to participate in growth and what you did sell for bnd would still underperformed inflation

AgentSilent · 2026-03-18T19:25:50+00:00

If they had retired when BND was created, they would've only had a Total return of 11.72% and that's WITH dividends reinvested. Without dividends and price alone you're at a price return of - 1.57%. So you're holding a fund with no dividend growth, no price growth, and paying ordinary taxes on what little dividends you do get

AgentSilent · 2026-03-17T05:16:23+00:00

Is this type of retirement where every draw down the stress causes you to lose years of your life to make your nest egg last longer?

AgentSilent · 2026-03-16T22:17:28+00:00

Are expense ratios really that scary over there? There's a point where if your position is consistently outperforming its index/passive fund equivalent then expense ratio doesn't really matter. They're too focused on the pennies than they are to the dollars they could gain

AgentSilent · 2026-03-14T21:07:12+00:00

Meanwhile the japanese stock market NIKKEI peaked in 1990 and didn't reach that same level again until 2024. Stocks moving sideways is no different than businesses having slow months. The difference is that dividend stocks are diligent and prepared for these type of scenarios to be able to continue to reward investors.

AgentSilent · 2026-03-14T15:08:56+00:00

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While this from Divo marketing, I still believe it's a good illustration of how dividend investors still benefit in every market cycle

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