Helena Wright @Moonwater: "Dear Copiers and Followers 𝗔𝗿𝗲 𝘆𝗼𝘂..."

South Africa

Dear Copiers and Followers 𝗔𝗿𝗲 𝘆𝗼𝘂 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄'𝘀 𝗴𝗿𝗼𝘄𝘁𝗵 𝗼𝗿 𝘁𝗼𝗱𝗮𝘆'𝘀 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄? 𝘚𝘦𝘦 𝘵𝘩𝘦 𝘤𝘰𝘮𝘱𝘢𝘳𝘪𝘴𝘰𝘯 𝘣𝘦𝘵𝘸𝘦𝘦𝘯 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥 𝘌𝘛𝘍𝘴 𝘢𝘯𝘥 𝘩𝘪𝘨𝘩-𝘥𝘪𝘷𝘪𝘥𝘦𝘯𝘥 𝘌𝘛𝘍𝘴 𝘪𝘯 𝘵𝘩𝘦 𝘵𝘢𝘣𝘭𝘦 𝘣𝘦𝘭𝘰𝘸. Standard ETFs are market-cap weighted, meaning massive tech giants dominate the fund. A high-dividend ETF intentionally filters those out in favor of older, cash-rich companies (like JPMorgan Chase or ExxonMobil) that distribute their profits instead of reinvesting everything into R&D. Choose the standard ETF if you have a long-time horizon and want maximum compounding. Choose the high-dividend ETF if you are nearing retirement or prefer a steady income stream. 𝗧𝗼𝘁𝗮𝗹 𝗥𝗲𝘁𝘂𝗿𝗻 is price appreciation + dividends. While a high-dividend ETF feels great when the quarterly payout hits your account, historical data shows that broad-market ETFs usually deliver higher overall wealth over long periods because growth stocks compound faster. Only prioritize the dividend yield if you intend to spend the cash flow right now. If you're just turning around and reinvesting it, the standard broad market fund is usually more tax-efficient and growth-friendly. The focus on our portfolio is long-term growth. Best regards Heleen 𝘿𝙞𝙨𝙘𝙡𝙖𝙞𝙢𝙚𝙧: the content is for informational purposes only, not investment advice, and that past performance doesn't guarantee future results, with the user's capital at risk. $VOO (Vanguard S&P 500 ETF) $VTI (Vanguard Morningstar Total Stock Market ETF) $VGWD.DE (Vanguard FTSE All World High Dividend Yield UCITS ETF)

Not investment advice. The author may have financial interests in the mentioned instruments.