09-24-2013, 04:09 PM
Yes, I'm a charging the the ice-fields a bit with my REITs. For me they're my real estate substitution. I simply don't want to monkey with being a landlord (like my brother--whose often a nervous wreck). I try to diversify my REIT holdings under the assumption that REIT's will get their payout's hurt at the same time the industry they serve does (rather than as a group). Hence I have REIT's in health care, and technology, etc. I look at them as part of a sector, rather than in their own group.
Perhaps not the wisest course, but I'm still figuring this investment path out.
Actually, I've not been at this too long. I was an Index Fund guy for most of my days. When my father passed (he was very well-off in his later years) I started to look at investments through his eyes (odd how the loss of a loved one can bring you closer to them in off ways even after death). And began to see moving over to DGI was the way to go.
I'd like to have a little more income exposure, as I'm only about 15 years out from retirement. Not so much to actually get income, but to set up my re-investments better (as this whole portfolio is only generating about 4.5% annual dividend right now).
My 401 and Roth is still loaded with Index Mutual's--kinda all 401's let you do. I actually have a larger portfolio out of my tax-sheltered accounts as I haven't been able to really max them out until recently. So I can't get enough in them to actually cover the retirement I want. I, of course, max them out now before I fiddle with my taxable accounts. But I try and invest 50% of my income now, which is takes me beyond my max annual inputs into my ROTH and 401.
taxed or not, I'd rather save it than not (cause its taxed if I spend it or I save it--so why not save).
I'm still getting the hang of this GDI stuff.
Ronn
Perhaps not the wisest course, but I'm still figuring this investment path out.
Actually, I've not been at this too long. I was an Index Fund guy for most of my days. When my father passed (he was very well-off in his later years) I started to look at investments through his eyes (odd how the loss of a loved one can bring you closer to them in off ways even after death). And began to see moving over to DGI was the way to go.
I'd like to have a little more income exposure, as I'm only about 15 years out from retirement. Not so much to actually get income, but to set up my re-investments better (as this whole portfolio is only generating about 4.5% annual dividend right now).
My 401 and Roth is still loaded with Index Mutual's--kinda all 401's let you do. I actually have a larger portfolio out of my tax-sheltered accounts as I haven't been able to really max them out until recently. So I can't get enough in them to actually cover the retirement I want. I, of course, max them out now before I fiddle with my taxable accounts. But I try and invest 50% of my income now, which is takes me beyond my max annual inputs into my ROTH and 401.
taxed or not, I'd rather save it than not (cause its taxed if I spend it or I save it--so why not save).
I'm still getting the hang of this GDI stuff.
Ronn