| This shift toward tech has dramatically changed what it means to be a dividend investor. Why? Because tech companies typically pay very small dividends - if any at all. Instead of paying out their excess cash to shareholders, they prefer to reinvest it into growth or buy back shares. Even more telling is what's happened to so-called high-dividend strategies. If you buy a high-dividend ETF today, you might be surprised to learn that "high" now means about 2.7%. That's a far cry from the 4% to 5% yields these strategies used to deliver. Think about that for a minute. Even if you explicitly focus on dividend-paying stocks, you're still looking at yields well below what you can get from a simple Treasury bond these days. For the first time in over a decade, bonds are actually paying more than dividend stocks. But here's the real kicker: To get those higher dividend yields, you often have to give up exposure to the market's fastest-growing companies. Most dividend funds have only tiny allocations to technology stocks - the very sector that's been driving much of the market's growth and innovation. This puts income investors in a tough spot. Do you chase yields and potentially miss out on growth? Or do you accept lower yields in hopes of capturing bigger capital gains? There's no easy answer, but there is a smarter way to think about it. Instead of focusing solely on dividends, investors need to look at their total return potential - combining modest dividend yields with bond income and potential price appreciation. I recommend a three-pronged approach... | 
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