What is a better choice? Choosing capital gains or dividend paying investment? A 21 year old wondering what to do with 10k sitting in his bank.?

I follow the golden rule of Warren Buffet that "Never put all eggs in one basket". That's why I would love to suggest you to put 5k in capital gains and 5k in dividend paying investment.

Moreover you can also try for REIT's, a good REIT provides you more than 50% return of investment. chech out my post https://seedly.sg/questions/what-are-the-key-cr...

Qs: Choosing capital gains or dividend paying investment?

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Short Answer is to pay yourself first.

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The correct mindset is important and having a Safety of Margin is important.

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By getting sustainable dividend with low payout ratio will give you the cushion and time to wait for capital gains if the Business is a Growing Business.

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If i getting 50 votes for this reply, I will give a longer answer.

I think it is better to buy a stable blue chip stock that pays out constant dividen. If the company’s business is sound the stock will also appreciate over time.

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smaller companies might have bigger chance of higher growth with capital appreciation however You Have to do quite a bit of research.

Go for both if you can. Invest in value stocks for capital gains and dividend. But do your homework.