Comments on: How I Invested My Roth IRA This Year http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/ Saving, Earning, and Investing Money Sat, 21 Nov 2009 00:22:17 -0800 http://wordpress.org/?v=2.8.5 hourly 1 By: Dividend Growth Investor http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/comment-page-1/#comment-85806 Dividend Growth Investor Thu, 15 May 2008 15:40:02 +0000 http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/#comment-85806 Tommy, The reason why AVDVX is paying out such an abnormal large dividend is that this distribution represents capital gains as well as dividends on the stocks in their portfolios. Tommy,

The reason why AVDVX is paying out such an abnormal large dividend is that this distribution represents capital gains as well as dividends on the stocks in their portfolios.

]]> By: rstlne http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/comment-page-1/#comment-85750 rstlne Wed, 14 May 2008 20:28:24 +0000 http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/#comment-85750 I didn't qualify for Roth IRA last year. Probably won't qualify this year again but it depends on a number of factors. However, what I have there already mirrors my taxable portfolio. So it has some precious metals, some foreign stocks, some oil stocks, some domestic value stocks, and global short-term bonds. Note that I would not put Canadian energy trusts into a Roth IRA. The Canadian government withholds taxes at source so you won't get any tax benefit by putting those in an IRA. I didn’t qualify for Roth IRA last year. Probably won’t qualify this year again but it depends on a number of factors. However, what I have there already mirrors my taxable portfolio. So it has some precious metals, some foreign stocks, some oil stocks, some domestic value stocks, and global short-term bonds.

Note that I would not put Canadian energy trusts into a Roth IRA. The Canadian government withholds taxes at source so you won’t get any tax benefit by putting those in an IRA.

]]> By: Tommy http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/comment-page-1/#comment-85741 Tommy Wed, 14 May 2008 18:26:57 +0000 http://www.lazymanandmoney.com/how-i-invested-my-roth-ira-this-year/#comment-85741 My wife and I put both of our Roth IRAs into ADVDX. So far it's basically flat, but we should be up about 10% by tax time 2009 since this guy pays out about 15% per year in dividends. It's not a rocketship to the moon, but it's at an all time low and pays a nice chunk that'll double your investment every 5 years or so. I looked up some older discussions on the efficacy of the strategy employed by the ADVDX fund managers and many said that it couldn't last (most of the comments that I could find were from 2005). If you look at the payouts, it shows that they've been able to maintain the strategy for about 4 years now and consistently have paid out between 10-15% dividends per year. My strategy is to leave this chunk and future Roth IRA chunks to this fund. I'm diversified in the usuals already: Gold, Candian oil trusts, international funds, fossil fuel funds, clean energy funds, large cap us, index etfs, and international funds. I may have to dip into real estate in 2009 or 2010 either via a direct purchase or via a reit/etf if things correct to the mean. My wife and I put both of our Roth IRAs into ADVDX. So far it’s basically flat, but we should be up about 10% by tax time 2009 since this guy pays out about 15% per year in dividends. It’s not a rocketship to the moon, but it’s at an all time low and pays a nice chunk that’ll double your investment every 5 years or so.

I looked up some older discussions on the efficacy of the strategy employed by the ADVDX fund managers and many said that it couldn’t last (most of the comments that I could find were from 2005). If you look at the payouts, it shows that they’ve been able to maintain the strategy for about 4 years now and consistently have paid out between 10-15% dividends per year.

My strategy is to leave this chunk and future Roth IRA chunks to this fund. I’m diversified in the usuals already: Gold, Candian oil trusts, international funds, fossil fuel funds, clean energy funds, large cap us, index etfs, and international funds. I may have to dip into real estate in 2009 or 2010 either via a direct purchase or via a reit/etf if things correct to the mean.

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