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Is a prospective retiree better off buying dividend etfs or capitalisation etfs?

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  1. #31

    Join Date
    Feb 2019
    Posts
    644

    1) dividends high or low shouldn't matter in theory. Stick to the better ETFs (SPY, QQQ...) and you will probably be fine. And capital gains is usually taxed the same or lower than income.

    2) I don't think anyone disagrees that property is an equally good asset class as stocks. Many pros and cons in the comparison, that argument has been made elsewhere and the conclusion is usually to have a bit of both.


  2. #32

    Join Date
    May 2019
    Posts
    523

    It's also difficult to answer your questions without knowing your age, nationality and where you plan to retire. As all of those things will impact how much you need and how much tax you'll need to pay. Also, do you already have a place to live or will that be coming out of your income from investing?

    I'd imagine it'd be quite hard to retire on 10-12m if you're significantly younger than 60, for example.


  3. #33

    Join Date
    Nov 2005
    Location
    Cramped island
    Posts
    4,144

    Reminds me of the other lady that were trying to switch fund from a bond just to find yield...


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