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505 | Mailbag: Getting Started with FI, Debt vs. Investing, Dividends, 4% Includes Taxes?, Roth 401k | Rachael Camp
ChooseFI
Pursue Total Return Over Chasing Dividends
Investing focused solely on dividends can mislead investors into thinking their principal is secure, while the market rapidly prices in dividends, nullifying any purported advantage. Creating personal dividends through appreciation, rather than relying solely on dividend payments, is a more strategic approach, especially for those far from retirement. Tax implications of dividends also warrant consideration, as early payouts may not align with an investor's income needs. Prioritizing total return allows for better overall wealth maximization, enabling a flexible approach to income when needed.
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