What is that less than 2% annual return before taxes for the divs. $60 return on what invested? That matters too. you are only looking a one side of the equation. Tech stocks that pay no dividends have risen faster and if you need money out it is cap gains rate. Dividend stocks are for old people with little taxable income. Everyone here is rich, right? QQQ has returned about 20% annually for the last 10 yrs. That's getting her done