You can't chase dividends without risk, it's all speculation. You're making a distinction without a real difference. All investment involves risk, all investment is thus speculation. Not all speculation is investment, gambling is speculating but not investing. That's just how English works.
Those words are different in my mind. They can be the same in yours, if that's the way you prefer it. We are not beholden to the Academy of English to use words only in an officially sanctioned manner.
