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A listing of Personal Services in the South Bay Los Angeles Area A listing of Professional Business and Financial Services in the South Bay Los Angeles area A listing of Contractor and Construction Services in the South Bay Los Angeles area A listing of professionals, contractors, and personal services in the Torrance, Manhattan Beach, Hermosa Beach, Redondo Beach, Gardena, Lomita, Carson, El Segundo, Hawthorne, Lawndale, Rancho Palos Verdes, Palos Verdes Estates, Inglewood, and the Los Angeles area. A listing of professionals, contractors, and personal services in the El Segundo area A listing of professionals, contractors, and personal services in the Torrance area A listing of professionals, contractors, and personal services in the Manhattan Beach area A listing of professionals, contractors, and personal services in the Hermosa Beach area A listing of professionals, contractors, and personal services in the Redondo Beach area A listing of professionals, contractors, and personal services in the Gardena area A listing of professionals, contractors, and personal services in the Lomita area A listing of professionals, contractors, and personal services in the Palos Verdes Estates area A listing of professionals, contractors, and personal services in the Rancho Palos Verdes area A listing of professionals, contractors, and personal services in the Inglewood area
A listing of professionals, contractors, and personal services in the Hawthorne area A listing of professionals, contractors, and personal services in the San Pedro area A listing of professionals, contractors, and personal services in the Carson area A listing of Job and Employment opportunities in the South Bay Los Angeles area
Edward Jones - Robert Nevarez
Articles About Financial
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Time to Consider Dividend-Paying Stocks?
By Edward Jones
In 2003, dividend-paying stocks jumped into the limelight, following passage of legislation that lowered the tax rate on dividends. If you're thinking of tax-smart investments, should you be considering these dividend producers? Before tackling that question, let's review what happened this past year. Until the new tax laws were enacted, the dividends you received from stocks were taxed at your individual tax rate (e.g., the old tax rates of 27%, 30%, 35% or 38.6%). But now, the tax rate on dividends has been cut to 15%, retroactive to the beginning of 2003. This new, lower rate is effective until 2009, when dividend taxes are scheduled to revert to your current income tax rate. Now, let's look at two potential benefits you can get from adding stocks that have a history of paying dividends: Greater diversification -- If your equity holdings are dominated by growth-oriented companies, you can gain some important diversification by adding growth-and-income stocks. Improved portfolio quality -- Stocks that have a history of paying -- and increasing -- dividends are usually well-run companies, with strong management, good business plans, competitive products and a real concern for shareholders. These types of high-quality stocks can be a ``plus'' in your portfolio. While it may be a good idea for you to invest in select dividend-paying stocks, you'll want to be careful about how you pay for them. Specifically, think carefully before moving dollars out of fixed-income vehicles, such as bonds and certificates of deposit, into these stocks. At first glance, such a move might look great; the income from bonds and CDs is still taxable at your current tax bracket, which is likely higher than the 15% rate assessed on dividends. But keep in mind that no dividend-paying stock, no matter how high the quality, will be as safe -- from the standpoint of preservation of principal -- as an investment-grade bond. Stocks are not fixed-rate investments -- and there's no guarantee that the stocks you buy will distribute dividends. Also, stocks, by their nature, are subject to market risks, including the potential loss of principal invested. Therefore, if you switch from bonds to stocks, you will increase your overall level of investment risk. New opportunities abound? However you decide to incorporate dividend-paying stocks into your investment plans, you'll find that you have more attractive choices than you did just a year ago. In the months since the new tax laws have passed, many companies have increased their dividend payouts -- and other companies have begun paying dividends for the first time. Your investment professional can help you map a customized strategy for taking advantage of the expanded opportunities offered by the lower tax rate. So, make the right moves -- your actions can certainly ``pay dividends.''

Copyright 2001, 2002, 2003 © South Bay Business Register, Edward Jones - Robert Nevarez, and Edward Jones. All rights reserved.
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