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Old 12-22-2016, 09:11 AM
 
71,588 posts, read 71,751,865 times
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Not the same thing . They serve very different rolls . They are stocks and are no replacement for bonds . in 2008 dividend payers were in the toilet with all stocks , bonds especially treasury bonds were soaring .
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Old 12-22-2016, 09:42 AM
 
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Originally Posted by mathjak107 View Post
Not the same thing . They serve very different rolls . They are stocks and are no replacement for bonds . in 2008 dividend payers were in the toilet with all stocks , bonds especially treasury bonds were soaring .
Well stocks didn't stay in the toilet, and they kept paying the dividends. Those who didn't sell but instead bought at the low came out far ahead of those who had everything in treasuries.
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Old 12-22-2016, 10:34 AM
 
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it has nothing to do with it . the same thing applied to non dividend payers , they recovered too . but dividend stocks are stocks . they are not the same thing nor serve the same purpose as bonds do .

they serve two distinct purposes ,especially in retirement
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Old 12-22-2016, 11:27 AM
 
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Originally Posted by mathjak107 View Post
it has nothing to do with it . the same thing applied to non dividend payers , they recovered too . but dividend stocks are stocks . they are not the same thing nor serve the same purpose as bonds do .

they serve two distinct purposes ,especially in retirement



IMO bonds are for people, young or old, who don't want to actively manage their assets. Minimal returns for the sake of safety.
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Old 12-22-2016, 11:49 AM
 
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i am not disagreeing that bonds are a hedge that mitigates temporary drops in the short term and permanently reduce long term gains. youngin's if they have the stomach should not be in bonds .

but having said that , a retiree needs bonds to meet short and intermediate term spending needs when dividends fail to keep up with personal costs of living or large unexpected expenses so stocks don't get sold at a loss .

i retired in 2014 and had 69k in dividends and distributions ,2015 sucked and produced 29k .

the shortfall was made up by selling bonds and refilling cash .

bonds are part of the withdrawal strategy ..

they work in partnership with dividends to sustain an income that is safe secure and consistant through good and bad times . one is NOT a proxy for the other

Last edited by mathjak107; 12-22-2016 at 12:22 PM..
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Old 12-22-2016, 12:13 PM
 
Location: Portland, Oregon
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Wellesley should have declared a dividend about 12/15, I have yet to see any notice of amount.
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Old 12-22-2016, 12:17 PM
 
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a dividend or a capital gain distribution ? i don't follow the stock . perhaps if it is a gain distribution there is none
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Old 12-22-2016, 02:05 PM
 
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Originally Posted by Nell Plotts View Post
Wellesley should have declared a dividend about 12/15, I have yet to see any notice of amount.
I logged in and nothing for Wellesley. As you note distributions have a history of being on the 15th.
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Old 12-22-2016, 02:22 PM
 
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Originally Posted by TuborgP View Post
I logged in and nothing for Wellesley. As you note distributions have a history of being on the 15th.
Most of the Vanguard funds are distributing dividends and capital gains distributions on December 22, 2016. That is about a week later than normal.
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Old 12-22-2016, 02:24 PM
 
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Originally Posted by jlawrence01 View Post
most of the vanguard funds are distributing dividends and capital gains distributions on december 22, 2016. That is about a week later than normal.
ty
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