Even if they pay a 5.3% dividend every year, if it ends up going down even 3% in a year, suddenly you're getting effectively a 2% dividend since you've lost cap

Even if they pay a 5.3% dividend every year, if it ends up going down even 3% in a year, suddenly you're getting effectively a 2% dividend since you've lost capital (rough numbers, no inflation, you get my point).