It all depends on the policy of the product provider. Not everyone does it and you can choose ETFs or index funds from providers who don’t if you want to. A fund or ETF provider will state on its website which products are not subject to securities lending. ...
d) While I am disciplined enough I would not spend dividend income it does give me the flexibility to have the income if I really need it without having to draw-down at a bad time in the market. If I found myself out of work or unable to earn money for some reason, and really ne...