Subject: Looking at an income fund
I was researching a fund that was brought to my attention:

Virtus Total Return Fund (ZTR) "The Fund’s investment objective is capital appreciation, with current income as a secondary objective."

The current distribution yield is 9.27%. Very attractive.

As always I pulled up a total return comparison on testfol.io. Since 1996,
BRK-B CAGR 10.8%
SPY CAGR 10.22%
ZTR CAGR 4.9%


On Portfolio Visualizer since Jan 2016 :
BRK-B 14.0%
SPY 15.0%
ZTR 8.1% (testfol.io gives 6.1%)

If you took the dividends in cash instead of reinvesting, ZTR went from $10,000 to $5339.

Going for dividends can be very a expensive mistake.