HI Calvin. You’ve hit on 2 important points.

First, in most situations, it should not matter to an investor if they get their returns from an increase in stock price or dividends. With the exception of people holding dividends stocks in their taxable account. Then they will pay more tax then they need to if they are being taxed on dividends in years they did not need the income.

Second, Whatever investing strategy you choose it’s important it is based around your goals and circumstances. Which it sounds like yours is. Congrats on that!

Thanks for the great comment.

Ben