<prompt> Human: Im not concerned with future growth too much at the moment. I need to maximize my dividend payments as much as possible. Should I bother with Vanguard funds, or should I purchase stocks? I understand Vanguard funds hold less risk, but Im afraid I need something that yields an annual return of like 6-8 of liquid cash. Any ideas? Thanks :  <response>: To get 8 dividend yield you need to invest in a devastated industry like coal. As you should expect, it comes with a lot of risk. 