Your rate of return depends on what you paid for your shares. Current dividend is approximately 6.6%. My dividend is about 7.6% because I bought my shares below $10.50 ($.80 divided by $10.50 equals 7.6%.) If you do the math, you'll see I have a 14%-15% gain on my investment. For anyone interested in buying, wait for a dip to maximize your "personal" dividend. You can also trade to increase your return. I will sell some above $12 and buy back in the next dip below $11. In the current uncertainty and with Obama ready to attack individual companies, I like the diversity of RNP vs. owning the individual holdings. Cajun Trader's idea of buying a basket of RNP holdings would be even better. Need to do your homework, though, if you are not paying RNP to do it.