Friday, October 19, 2012

Challenging a different perspective of Dividend Investing & Delayed Gratification

Vera Nazarian once said "Not knowing your future is life's greatest motivator". But what if you already knew the story of your life. Would you still go ahead to elect to live them? Let's face one fact first and foremost - i.e All of us love money, at least most of us. And dividend investing and delaying gratification will do the trick, if you already know what I am talking about. But what good if you are a millionaire only at the age of say, 40 or 50 years old. Are the delayed gratification demands of dividend growth investing worth it?

fyi. This is not a picture of my real mum :)

For now, we will divide the discussion into two different camps: One who truly enjoy the process and journey of dividend investing while the other who do not. Let's take myself and my mum for instance. As with almost any endeavor, the process of accumulating and finding solid dividend stocks have been interesting to me. It is almost like an addictive online gaming which I had when I was younger. The steady accumulation of portfolio filled with undervalued telcos, utilities and Reits have been most partly addictive because of the savings habit which I have developed across these years - in other words, I view these purchase as part of my "clothes" or "shoes" or "handphones" shopping anyway. Fellow investors who are in this camp would agree that whenever they bought telco or Reits shares, they would feel the thrill of seeing people queueing up for days to purchase an iphone in a shopping mall. They would be thrilled even if they had to squeeze past people in a shopping mall, knowing that every profit that goes into the company will eventually go back to them in the form of dividends. In other words, they are the shareholders of the company. The boss of all bosses.
 
Now if you fall under the other side of the camps, perhaps like my mum, then you would feel that dividend investing is boring and slow and whatever negative there is. Nevertheless, you still do it, perhaps out of necessity. Perhaps you are the type of people who recognize the importance of retirement investing and that you have to put aside money for investment because that is the responsible thing to do. It's like you hate brocollis but you still have to force yourself to eat it because it's healthy. For these people, the question becomes how long do you want to delay your gratification. My mum, for instance, is not young (she is 47 this year btw) anymore. She wants to invest in undervalued dividend shares like I do (which I helped to research on her behalf along the way) but then refuses to delay her gratification for long on fear that by the time she can enjoy it, she'll be too old to buy or do anything. So, with plenty of choices along the way, the question becomes "Delayed Gratification? Sure, why not... but how long??"


5 comments:

  1. For dividend investing, once we got it right; it is like money-fruits when they are ripe they just fall off from the money trees into our bank account effortless.

    :-)


    ReplyDelete
    Replies
    1. Hi Uncle8888

      You are spot on. Once you purchase these dividends stock at a very low price at a nice yield, probably during the GFC, you'll be sitting at home waiting to collect these ripe fruits effortlessly - which will bring you very close to your retirement like you do :)

      Delete
    2. saya mengucapkan banyak terimakasih kepada MBAH KABOIRENG yang telah menolong saya dalam kesulitan,ini tidak pernah terfikirkan dari benak saya kalau nomor yang saya pasang bisa tembus dan ALHAMDULILLAH kini saya sekeluarga sudah bisa melunasi semua hutang2 kami,sebenarnya saya bukan penggemar togel tapi apa boleh buat kondisi yang tidak memunkinkan dan akhirnya saya minta tolong sama MBAH KABOIRENG dan dengan senang hati MBAH KABOIRENG mau membantu saya..,ALHAMDULIL LAH nomor yang dikasi MBAH KABOIRENG semuanya bener2 terbukti tembus dan baru kali ini saya menemukan dukun yang jujur,jangan anda takut untuk menhubungiya jika anda ingin mendapatkan nomor yang betul2 tembus seperti saya,silahkan hubungi MBAH KABOIRENG DI 082=322=212=111 ingat kesempat tidak akan datang untuk yang kedua kalinga dan perlu anda ketahui kalau banyak dukun yang tercantum dalam internet,itu jangan dipercaya kalau bukan nama MBAH KABOIRENG KLIK TOGEL JITU DISINI












      saya mengucapkan banyak terimakasih kepada MBAH KABOIRENG yang telah menolong saya dalam kesulitan,ini tidak pernah terfikirkan dari benak saya kalau nomor yang saya pasang bisa tembus dan ALHAMDULILLAH kini saya sekeluarga sudah bisa melunasi semua hutang2 kami,sebenarnya saya bukan penggemar togel tapi apa boleh buat kondisi yang tidak memunkinkan dan akhirnya saya minta tolong sama MBAH KABOIRENG dan dengan senang hati MBAH KABOIRENG mau membantu saya..,ALHAMDULIL LAH nomor yang dikasi MBAH KABOIRENG semuanya bener2 terbukti tembus dan baru kali ini saya menemukan dukun yang jujur,jangan anda takut untuk menhubungiya jika anda ingin mendapatkan nomor yang betul2 tembus seperti saya,silahkan hubungi MBAH KABOIRENG DI 082=322=212=111 ingat kesempat tidak akan datang untuk yang kedua kalinga dan perlu anda ketahui kalau banyak dukun yang tercantum dalam internet,itu jangan dipercaya kalau bukan nama MBAH KABOIRENG KLIK TOGEL JITU DISINI

      Delete
  2. totally agreed.
    i had 3 of these dividend stocks with very nice yield as they will accumulated during GFC, which is probably close to Createwealth8888 pillow stocks.

    ReplyDelete
    Replies
    1. Hi SC

      Good to see you again.

      Looks like we are all on the same side of the camps :)

      Delete

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