Inflation is far more harmful to individuals than a collapsing stock or property market because it directly affects people's cost of living, which they immediately feel. It is not surprising that the current market sentiment is extremely pessimistic. In today's economy, assistance is critical if we are to survive.
In the third example, if I start with $100,000 and I’m reinvesting my dividents how do I end with only 103k for QYLD. I should end up with 121k according to my calculations?
Brilliant video Joe! You ARE THE ONLY ONE talking about the critical December dividend (short term capital gain) payout in QYLD (or XYLD) which takes some of the sting out of ROC tax status change but........ may not be counted on again in 2022. Even if we are lucky enough to fit into the 24% bracket next year it still looks like we keep 9% of the 12% of QYLD gains (but as you point out in another video XYLD might be a better choice as it holds it's value better). Unfortunately do not see QQQX or QQQ or TQQQ running off to the races again until the next election so will stick to the ---- show me the money --- income strategy for with some SCHD and a little RYLD mixed in for now. Best regards, Steve.
Great info..I started investing in QYLD/RYLD/XYLD from learning from your channel. Great for income but lack capital appreciation. The portfolio value of these has gone down from last year, but the dividends help to keep it positive. I am keeping these as LT investments. Much better return than what can be gotten from banks/brokerages for idle cash. I will be adding QYLG and QQQX to the mix. Thanks, Joe…
Your videos and analysis are very interesting and well done. Thank you for sharing. It would be interesting to also see Lump Sum with dividend reinvestment, but no monthly contribution. That would help add clarity for those individuals that want to build and hold a position, without adding.
Would love to hear your thoughts on investing in QYLD, then using portfolio margin to purchase more QYLD, then using that cashflow to pay off the margin interest/reinvest.
It's also worthwhile to consider the volatility/drawdown compared to the return. Something like the Ulcer Index might be useful for comparisons. Great video.
To be completely honest I haven’t looked at JEPI in a while. I don’t hold it personally. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
NUVEEN formerly known as TIAA-CREF is a horrible company to deal with. Fees out the wazoo. Dealing with QQQX there is going to be a 25.00 charge anyway you go. In the world of Fidelity and M1, NUVEEN is like a rude self centered cab driver. Passive/Aggressive reps. Plus a .90 basis cost. Its not that good. Great video again my friend. Lolo has the right idea, although depending on when you entered the market with these Global X ETF's they have been kicking the crap out of the growth champs since January. I love volatility !
Hey Paul! It comes down to what you are trying to accomplish. When do you need the money? If it’s long-term investing maybe the best thing to do is just go plug the money into a low-cost index fund. This is what I do with my retirement accounts.
As a 28 year old that does not need the income right now but going for early retirement would qylg be better than qyld? I like qyld but between the tax aspects that we recently found out and how it declines overtime. Would it be better for myself to use qylg instead? Also I couldn't find any info on qylg if it had same tax issues
Honestly; IMO/not financial advice; Something more like VTI/SPY if you don't need the income. Re-balance later (esp if you're in a tax-deferred acct). If you really want div income as something to fallback on / not have the stress of "I NEED to keep my job." Then I would probably put just enough into QYLD to cover rent, food, utilities. Then everything else into grown (VTI/SPY). QYLG feels like more of an automated approach to % QYLD % SPY, so I would just control the percents myself (rebalancing with deposits not sells). I would even argue that just go all into VTI/SPY and then if you quit move enough over to QYLD, BUT you don't know how the markets will be at that time.
Hello - new to investing and learning. I’m wondering if having QYLG is a good idea to have in Roth IRA due to it having tax advantage and wanting to retire in 10 years ? I would appreciate the advice. Thank you!
Depends if when you retire in 10 years if you’ll be at 59.5 or whatever the age is. Since you get penalized for taking money out before hand in an ira, it would need to stay until the age cap.
I think a 50/50 split of buying QYLD and TQQQ is the best of both worlds for growth and income with the same underlying index attacking it from different ends.
Hey Joe, I might be wrong but I think you forgot to change the numbers for QYLG between Lump Sum & Lump Sum + Monthly. In both scenarios the Portfolio Value was $112,935.14 which I don’t think is possible. I don’t know how it couldn’t be at least a few thousand higher with the addition on the monthly contribution.
I think QYLG and QQQX will in long run yeild higher dividends than QYLD as the portfolio value grows over time and QYLD yields will start shrinking and not keeping up with inflation over the years for people planning to retire off that money. Be interesting if you ran some numbers on these Joe
Thanks Joe for this video, really appreciate it. I will keep them in mind when QYLG / QQQX dip :-). Couple of questions for your next video, hopefully.. 1. Does it matter for these income ETFs at what price we buy them, if we are going to keep them for years anyways? 2. If anything were to happen to these ETFs, will it just disappear overnight or some advance notice will be given to sell out of them? And, how often do these type of ETFs actually close out/end?
I like these comparisons. Every time I see the lump sum without reinvestment (which is what I am planning) it makes QYLD the loser. Regardless of dividend yield I have no desire to invest in an equity that is expected to lose value over time.
Total return for the win again! Personally, I’ll pass on these large, forced and unpredictable distributions like QYLG issued. Has no impact on total return and causes a lot of destructive and unnecessary taxation in taxable accounts. Any reason you didn’t you model the performance over a longer period of time by using a 50% QQQ and 50% QYLD portfolio as a proxy for QYLG? The results would have been more meaningful since you could have gone back to 2014.
None !!! A person should have done better with Nvidia, Apple and Microsoft in that order. Run the numbers ..from 2017 to today ( sorry no tesla but is a good option. )
Joe, please respond to a response supposedly from you on my previous comment in this u-tube video. It asked me to respond to a What’sAp phone number. I think it’s a scam! Can you please verify with a comment. Thanks….I am an avid follower of you & value your ideas
![Six Hundred Strike [EPIC: The Musical] Full Animatic](http://i.ytimg.com/vi/zov6NXIAuow/mqdefault.jpg)
Inflation is far more harmful to individuals than a collapsing stock or property market because it directly affects people's cost of living, which they immediately feel. It is not surprising that the current market sentiment is extremely pessimistic. In today's economy, assistance is critical if we are to survive.
Retired at 59 YO in January...Traded NUSI for QYLG...using it for Growth plus income. Total Portfolio...4% equally JEPI, DIVO, QYLG, RYLD.
AWESOME STEPHEN! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
In the third example, if I start with $100,000 and I’m reinvesting my dividents how do I end with only 103k for QYLD. I should end up with 121k according to my calculations?
Brilliant video Joe! You ARE THE ONLY ONE talking about the critical December dividend (short term capital gain) payout in QYLD (or XYLD) which takes some of the sting out of ROC tax status change but........ may not be counted on again in 2022. Even if we are lucky enough to fit into the 24% bracket next year it still looks like we keep 9% of the 12% of QYLD gains (but as you point out in another video XYLD might be a better choice as it holds it's value better). Unfortunately do not see QQQX or QQQ or TQQQ running off to the races again until the next election so will stick to the ---- show me the money --- income strategy for with some SCHD and a little RYLD mixed in for now. Best regards, Steve.
Great info..I started investing in QYLD/RYLD/XYLD from learning from your channel. Great for income but lack capital appreciation. The portfolio value of these has gone down from last year, but the dividends help to keep it positive. I am keeping these as LT investments. Much better return than what can be gotten from banks/brokerages for idle cash. I will be adding QYLG and QQQX to the mix. Thanks, Joe…
Hey Joe, Is this really your What’sApp number?
Your videos and analysis are very interesting and well done. Thank you for sharing. It would be interesting to also see Lump Sum with dividend reinvestment, but no monthly contribution. That would help add clarity for those individuals that want to build and hold a position, without adding.
THANK YOU for the feedback Lyle! I appreciate it. 😎👍🏻
Would love to hear your thoughts on investing in QYLD, then using portfolio margin to purchase more QYLD, then using that cashflow to pay off the margin interest/reinvest.
Great stuff. Absolutely what I was expecting. Ive been high on XYLG lately. I hope that makes its way into your future comparisons.
Possibly! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
Thanks, it will be interesting to follow QYLG. It seems it may be a winner for income and growth.
THANK YOU for watching Fernando and for leaving your $0.02 in the comments! 😎👍🏻
VTI or VTSAX over all other funds to get returns based off the broad market incorporating both value and growth investments!
Loving qylg, xylg, ryld, jepi in my portfolio.
AWESOME CHRISTIAN! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
It's also worthwhile to consider the volatility/drawdown compared to the return. Something like the Ulcer Index might be useful for comparisons. Great video.
THANK YOU for the feedback! I appreciate it! 😎👍🏻
Thank you for your video. Very informative! I did a similar comparison and decide to go with QYLG.
I have jepi now and was thinking of adding one of these but not sure it would be much different. What's your opinion on this?
nicee i actually own xyld and jepi too
To be completely honest I haven’t looked at JEPI in a while. I don’t hold it personally. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
How about adding lump sum+reinvested div?
THANKS for the feedback! I will definitely consider that option in the future. 😎👍🏻
@@AverageJoeInvestor this, wanna see a lump sum plus drip for “x” years
One issue I saw w Qqqx was it’s not very liquid and doesn’t have a lot of volume which is never good.
That’s a fair concern. If you’re a long-term holder though it’s not a big deal. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
NUVEEN formerly known as TIAA-CREF is a horrible company to deal with. Fees out the wazoo. Dealing with QQQX there is going to be a 25.00 charge anyway you go. In the world of Fidelity and M1, NUVEEN is like a rude self centered cab driver. Passive/Aggressive reps. Plus a .90 basis cost. Its not that good.
Great video again my friend.
Lolo has the right idea, although depending on when you entered the market with these Global X ETF's they have been kicking the crap out of the growth champs since January. I love volatility !
THANK YOU for watching Peter and for leaving your $0.02 in the comments! 😎👍🏻
There's also USA (Liberty All-Star Equity) which has a similar yield to QYLD, but also has the potential for a small amount of growth.
What's your view on ryld and xyld vs spxx and diax for a longer term ?
Or maybe adding an YLG of corresponding index?
appreciate this video off the top
FavorQQQX. How do you feel about fidelity FLPSX in an ira portgolio
So what would be the best strategy to start with if someone can only put in $500/month, no lump sum
Hey Paul! It comes down to what you are trying to accomplish. When do you need the money? If it’s long-term investing maybe the best thing to do is just go plug the money into a low-cost index fund. This is what I do with my retirement accounts.
Thank you so much brother Joe for this video,,, amazing really !
Sam 🎵✌🏻
You bet Sam! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
As a 28 year old that does not need the income right now but going for early retirement would qylg be better than qyld? I like qyld but between the tax aspects that we recently found out and how it declines overtime. Would it be better for myself to use qylg instead? Also I couldn't find any info on qylg if it had same tax issues
Honestly; IMO/not financial advice; Something more like VTI/SPY if you don't need the income. Re-balance later (esp if you're in a tax-deferred acct). If you really want div income as something to fallback on / not have the stress of "I NEED to keep my job." Then I would probably put just enough into QYLD to cover rent, food, utilities. Then everything else into grown (VTI/SPY). QYLG feels like more of an automated approach to % QYLD % SPY, so I would just control the percents myself (rebalancing with deposits not sells). I would even argue that just go all into VTI/SPY and then if you quit move enough over to QYLD, BUT you don't know how the markets will be at that time.
Hello - new to investing and learning. I’m wondering if having QYLG is a good idea to have in Roth IRA due to it having tax advantage and wanting to retire in 10 years ?
I would appreciate the advice. Thank you!
Depends if when you retire in 10 years if you’ll be at 59.5 or whatever the age is. Since you get penalized for taking money out before hand in an ira, it would need to stay until the age cap.
I think a 50/50 split of buying QYLD and TQQQ is the best of both worlds for growth and income with the same underlying index attacking it from different ends.
Totally agree
I went into TQQQ and FNGU as well as QYLD
Joe, thanks for the training....
Subscribed! Love your way of analysis. Do you offer personal consultation (no financial advice)?
TY, JOE.
Hey Joe,
I might be wrong but I think you forgot to change the numbers for QYLG between Lump Sum & Lump Sum + Monthly. In both scenarios the Portfolio Value was $112,935.14 which I don’t think is possible. I don’t know how it couldn’t be at least a few thousand higher with the addition on the monthly contribution.
Have you made a video of How badly QYLD and NUSI are performing?
Another good video for us to digest Joe...Thank you for all your time you put into these videos for us...You are the man...
You bet Thomas! THANK YOU for the feedback! 😎👍🏻
Ok, subscribed.
I think QYLG and QQQX will in long run yeild higher dividends than QYLD as the portfolio value grows over time and QYLD yields will start shrinking and not keeping up with inflation over the years for people planning to retire off that money.
Be interesting if you ran some numbers on these Joe
Interesting thought. THANK YOU for the feedback! 😎👍🏻
Qyld fund reinvests 2/3 of distribution back into the fund and 1/3 in dividend payouts...
Thanks Joe for this video, really appreciate it. I will keep them in mind when QYLG / QQQX dip :-). Couple of questions for your next video, hopefully..
1. Does it matter for these income ETFs at what price we buy them, if we are going to keep them for years anyways?
2. If anything were to happen to these ETFs, will it just disappear overnight or some advance notice will be given to sell out of them? And, how often do these type of ETFs actually close out/end?
I have the same questions.
Something has to be wrong with your qyld formula. 100k and 250 monthly and 21k reinvested only nets you 103k? Doesn't seem right.
QQQX, haven’t heard of that one yet 🤔
THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
Hard pass on QQQX
THANK YOU for watching TJ and for leaving your $0.02 in the comments! 😎👍🏻
I like these comparisons. Every time I see the lump sum without reinvestment (which is what I am planning) it makes QYLD the loser. Regardless of dividend yield I have no desire to invest in an equity that is expected to lose value over time.
QYLD has a 0.60% expense ratio but you have it at 0.68% for some reason.
Total return for the win again! Personally, I’ll pass on these large, forced and unpredictable distributions like QYLG issued. Has no impact on total return and causes a lot of destructive and unnecessary taxation in taxable accounts.
Any reason you didn’t you model the performance over a longer period of time by using a 50% QQQ and 50% QYLD portfolio as a proxy for QYLG? The results would have been more meaningful since you could have gone back to 2014.
Not sure why I didn’t think of that Thomas… 🤦🏼♂️🤦🏼♂️ I appreciate the feedback. THANK YOU for watching! 😎👍🏻
@@AverageJoeInvestor no worries man! Thanks for keeping the content coming!
Why is NUSI doing so bad!?
None !!! A person should have done better with Nvidia, Apple and Microsoft in that order. Run the numbers ..from 2017 to today ( sorry no tesla but is a good option. )
talk about cii, is much better.
THANK YOU for that feedback! 😎👍🏻
Bored with videos about qyld
008 Neha Fork
Joe, please respond to a response supposedly from you on my previous comment in this u-tube video. It asked me to respond to a What’sAp phone number. I think it’s a scam! Can you please verify with a comment. Thanks….I am an avid follower of you & value your ideas
Yes anything from WhatsApp is a scam and not from me. My comments have my username highlighted as you can see with this comment.
21256 Osvaldo Common