anyone who picks the annual is a moron
there beyond to many smart people who can handle money for u, large investment compies , they just charge u more if your to dumb 2 think for your self
but vest majority of them will even tell u take the cash
why is simple, US t bill rates are godly LOW
thats what lottery annual installments is, just Freaking special T bills
what does that have over taking CASH money all at once,
is the fact all money gets INVESTED pre tax levels, and they only take tax u once u get it back
1 major issue, US treasury rates, are a joke in investment world right now
that's what happens, when us fed reserve buys our own Debt, there no need to offer great rates for investers, we dont need any buying our debt, we just print it out of thin air and buy our own debt"the genius of govt" has destroyed the market rates.
highest 3%. for 30 years , and MM btw does not even get 30 year rate levels LOL
guest what rate for 1993 was, over 7% LOL for 30 years
now i know in market i can get easy 5% rate just with dividend's ,owning stock of proven dividend compies with proven track records
lets do some math, say i win current jackpot, and pay full 39.6% later, hell i just round it up to 40% "got to pay the lawyers/legal people anywot
anywot that current
95,200,000 u just won is now
57,120,000 atfer us fed robs u blind. form current jackpot,
alright now these beeps are going to want to spend like crazy, so i just take 7.120,000 out to spend first year so they can buy whatever the hell they want, if they waste over 7m first year, we got a bigger issue then worrying about how to invest the rest.
and we invest 50m
lets say i can get 5% return, mini, thats thats 2.5 m
vs 3m atfer near 40% tax rate ever y,and yes, making over 3m, u always be in highest tax rates
so 1 thing 2 remb
1 that annuity is just your MONEY getting paid 2 u
i sure have all stock, it never went away.
turns out long term,its not going to lose value, all proven long term stocks, have gone up in value, they may go up and down over time
but if your getting that Stock Dividend ever year, and it always goes up, so has stock value over time
so lets just say this. u atfer 30 years on pb payments get a total of around 90,000,000 atfer 40% rate u be payin in taxes over long term at current rates
anyway lets look at my 50m cash, lets say somehow stock did so poorly it stayed at same 30 years later"ha"
i sure have my 50m worth of stock, but i have gained 75m in divindend payments
for a total of money of 125m vs your 90m
now i handicaped the HELL out of my numbers 2, the fact is on both payment type's u can reinvest money u get ever year
but taxes on dividend income etc are factors also in red.
and be beyond a lot more then 125m vs 90m,
i also didnt factor into whole HOW dividend payments Go up over time, on big company's with proven track records i be buying
and how avg stock price grows over time"if its a solid company that pays dividend" the market always keep up with value of that stock
the fact is,
Dividend payments will be a LOT more in 30 years then are today, if i pick right company's to own, etc
if divindend payments go up over time, so ofc it goes up to current markets in future value the company
u really just got to get books by billioners/major investers and learn how much these rich beeps make there money off these stocks/kind of investing
the fact is, i be a LOT richer in 30 years, taking safest dividend company route, then u ever be taking lottery payments over 30 years
its a lot of devil in details, if u cant handle taking risk's, even smart ones, just are lazy,and god forbid u can even pay other smart investers to do the work for u, then go for that joke of a US treasury rates that is what we call a lottery annuity.
if god forbid u can make a full time job out of investing a lot of money, and study hard,and use them brain cells, congrats u be a lot richer then lazy folks.
the fact is my math sucks balls as i under value real returns on dividend, as god forbid i give dividend investing more credit then reality
the truth is, u be far richer getting checks form companies that make all great profits/ money and then give it back to the owners"you as the share holder" then us govt pays for money it gets form your lottery win to invest
there is no even doubt now
if the us rate was in high 7% , we could have a intresting back and forth"dividend would sure win" but u need to factor in hardcore data that go beyond simple minds.
i just have to pull out the say,,,,
25-Year Dividend Increasing Stocks . aka company's that old, who have amazing pulled off dividend payouts going up ever year for last 25 years
aka company's like Coca-Cola Co. Johnson & Johnson , PepsiCo , Exxon Mobil , AT&T , and i make a mockery of that 7% returns over 30 years, vs 30 years of these company's etc
its a joke how easy it is to make money LONG term with stocks. if u go for dividend checks and not capital gains route of buy low sell high, now thats risking it all, if company pays no dividend, never invest in it, ever, its just risk, real company's to invest in, always give there share holders money they Make, thats whole freaking idea of owning part of company is it not
some people get losing all there money in stock market people mixed up with dividend investers
let me make it clear, am not a capital gains invester, i dont buy LOW to sign high,
, dividend investers have made off like bandits in long term, they rofl at stock market losers
they sure got there stock,and been paid many times over long term, there investment back. etc
that is if your not a moron when picking what company's to own ofc, and for that u have to study your self