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Epi@Epi
2Sem.
Very nice! Lots of savings, solid investments - now the fruits are being harvested!

As this side of the investment (pension phase) is still rarely discussed, I feel somewhat underinformed. I'm wondering what the perfect (for my profile) de-savings strategy is and what impact it has on my strategy in the savings phase. Unfortunately, there is a lot of superficial and incorrect information online.

I have sooo many questions for someone who is currently in this situation... 🤷
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2Sem.
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Epi@Epi
2Sem.
@tjwr Do you realize that there is absolutely no difference between a partial sale and a dividend payment? 🤔
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2Sem.
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Epi@Epi
2Sem.
@tjwr Assuming you were right in assuming that partial sales in long bear markets are detrimental to assets, then the mirror image of dividend focus in long bull markets would be detrimental to returns. And since bull markets usually last much longer than bear markets...
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2Sem.
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Harald@Madhatter5566
2Sem.
@tjwr Living off dividends is already saving. If you put them back in, it's like simply holding a share without dividends. There is not much difference between partial sales or dividends.
I don't understand how the idea arises that dividends are free money that can simply be withdrawn without harm. In the same way, a growing stock could always make partial sales.
If you look at the latter, a non-dividend stock is even more flexible than a dividend stock.
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2Sem.
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Detlef@Lawikhan
2Sem.
@tjwr
I won't have an abundance of money 😂
But I have fallen on my nose several times with partial sales (keyword FIFO). This has a permanent impact on my return and so I have opted for the dividend option.
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Gordon@GordonGecko_official
2Sem.
@tjwr You're a real crash prophet, when will the next one come?
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Eggplant@Eggplant
2Sem.
@Epi From my point of view, what you have written only makes sense if the dividends were not reinvested.
Otherwise you are destroying your own argument that dividends are value-neutral.
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