I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
Melissa Elise Robinson is the licensed advisor I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment
I really appreciate you explaining the details and giving examples in these videos. I do watch a few other similar channels, but you always seem to be a level above the rest when it comes to solid opinions and why. These recent videos showing sample portfolios and how they may preform have been very helpful to say the least. I do appreciate it Viktoriya. Take care young lady.
As a 60 yr old retired professional, my 4 are JEPQ, GPIX, GPIQ, and SCHG (to capture the upside lost with cc etfs). They are locked away in a Roth for another 4 years. Withdraw tax free and get that 65th happy birthday to me boat i want. :-)
Great Video and I agree its a solid portfolio. I do own JEPI, but decided to go with FEPI instead of JEPQ. Couple of thoughts though would be: 1- If you are investing in a taxable account, I'd look at SPYI, QQQI & IWMI, instead of the JP Morgan funds, because they have a big tax advantage with the 60-40 split of qualified dividends. I actually own SPYI and IWMI, mainly because SPYI is a straight S&P500 fund, instead of a value fund like JEPI, so it has a lot of overlap with the top stocks in the NASDAQ 100, so I went with IWMI which helped for diversification and it pays a higher yield. 2- Kind of out of the box thinking, but you could do something like invest 27k in a fund like YMAX, to get your 1000/mth and then keep the remaining 73K in cash. You'd generate more money, with 73% less risk exposer to the market. Not what I'd necessarily recommend, but it does make you think about how you look at risk. You could even put say another 23K in JEPI and still leave half your money, 50K, in cash.
@@Yieldthiefit is! That’s why I invest in JEPG listed in the UK (instead of the amazing JEPI), where withholding taxes is zero. 😅 For US, I’m more into growth stocks
Wow great info! I am hearing investment advisors selling me on this concept to get me to let them manage my money but I think I can learn it from you and save the $20k per year advisor fees
I’ve been watching your video for the last couple months and catching up from like a year ago until now I enjoy your videos, break everything down and you explain everything in good detail
Interesting video! Have all of these three. I'm asking in general how much percentage you would stack into covered call etfs of your asset allocation when you are round about 10 years away from your (early) retorement?
I’m young, however I’m considering some of my money going into JEPI and/or JEPQ once I get close to retiring along with SCHD to keep that dividend growth and appreciation going
Very useful video, thanks. The tip on using Yield On Cost to gauge NAV depletion is a nice addition to analytical tools. As as prank, I think you are the only person in the western world that reads charts right to left. 🤣
Thanks Vicktoriya -- good reasoning! Can you suggest alternatives for those who want these same asset and sector diversification and downside protection, but want to do so in a taxable trading account and be more tax-efficent? i.e. reinvest some of the juicy dividends as NAV gains rather than being taxed every year as ordinary income?
I opened a m1 account because of the simplicity of it and the ability to allocate based on percentages. I put jepi, jepq, spyi, tltw, svol, dgro,dgrw, divo,o, vici, mo, amlp. I DCA 25$ into it everyday I started with 5k its almost to 10k now. Hopefully it will keep snowballing into the future. See how it goes or if we ever get a pull back i want to invest heavier into it.
I've been purchasing stocks since the beginning of the year, but nothing has changed. However, I've been reading articles about people who are still in the same market who have made over $350,000 in just a few months. What am I doing incorrectly?
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Stocks extended their year-to-date rally following the CPI report, with the S&P 500 last up 0.8% in afternoon trading. but I don't know if stocks will quickly rebound, continue to pull back or move sideways for a few weeks, or if conditions will rapidly deteriorate.I am under pressure to grow my reserve.
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor.
I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with "Stacy Lynn Staples" for years and highly recommend her. Look her up to see if she meets your criteria.
Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.
A lul comment, so bonds collapsed in 2022 due to interest rates being hiked. When in any other scenario bonds would stay flat while stocks fell, you think that's the future now huh? So I guess the world I'd just going to trade bonds and stocks in lock step from now on, if you're so sure go ahead and short bonds my friend, might be a great lesson for you. Even if costly
Impressive video, the financial landscape is intricate, with forces affecting equities, stocks ,bonds, silver, gold, and Bitcoin. Economic uncertainties add complexity. Technical analysis is crucial for adaptable investment strategies. Monica Lisa Payne, with expertise in cryptocurrency and traditional trading, coupled with her holistic approach and commitment to staying current, is an essential guide in navigating this new era in the ever-evolving financial landscape..
It's unexpected to come across her name here. She understands every beginner’s intention and fix you to a trading course that matches your capacity, she knows her stuff! Her advice has been invaluable to my trading journey. Definitely worth giving a shot!
It's truly refreshing to see a comment about Monica Lisa Payne. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure
By how much? Can it compare with 12%~yield of these 3 ETFs. 2022 SCHD down 3.23%, JEPI down 3.52, SVOL down 3.24%. 2023 SCHD up only 4.57%(Ranking in the bottom 11% of its category!), JEPI up 9.81, JEPQ up 36.23%(New this year), SVOL up 22.84%. Do your own math.
Very nice job covering the basics. I am sharing this not to brag but to show what’s possible. I’m retired and I have 2 separate portfolios. One is a long term growth dividend portfolio of stocks where i sell covered calls strategically and my 2nd portfolio is the Crypto trading strategy where its all about income. This year I am on pace to make $120K in realized options profits and around $730K in crypto profit... What is great is that my long-term portfolio is still up significantly as well. As such, it’s possible to generate excellent income but still have a total return perspective. ...Amidst this, the insights of a knowledgeable guide like that of Francine Duguay can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends.
Francine goes deeper than just looking at surface-level trends. she explores technical, fundamental, and sentiment analysis, offering a comprehensive perspective on the market..
The simple metric I have come to use when screening is the expense ratio. Anything above a 0.35% expense ratio is too risky and likely to destroy your NAV regardless of what the dividend yield is.
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I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
pls how can I reach this expert, I need someone to help me manage my portfolio
Melissa Elise Robinson is the licensed advisor I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
I own these 3 in addition to SPYI, ISPY, and FEPI. I'm still fine-tuning the allocation and considering adding more to either JEPI or SPYI.
JEPI, JEPQ and dgrw are solid 3 etf portfolio
I own all three. Though I have to admit I just bought my first shares of SVOL lately
I think you messed up!
@@rickmccann4016 two of them I've owned for two years or more.
Your opinion contradicts my portfolio performance.
I really appreciate you explaining the details and giving examples in these videos. I do watch a few other similar channels, but you always seem to be a level above the rest when it comes to solid opinions and why. These recent videos showing sample portfolios and how they may preform have been very helpful to say the least. I do appreciate it Viktoriya.
Take care young lady.
Thank you so much, dear Viktoriya (the ETF Queen)! Your information is priceless.
As a 60 yr old retired professional, my 4 are JEPQ, GPIX, GPIQ, and SCHG (to capture the upside lost with cc etfs). They are locked away in a Roth for another 4 years. Withdraw tax free and get that 65th happy birthday to me boat i want. :-)
I really do hop you get that boat. lol
Great Video and I agree its a solid portfolio. I do own JEPI, but decided to go with FEPI instead of JEPQ. Couple of thoughts though would be:
1- If you are investing in a taxable account, I'd look at SPYI, QQQI & IWMI, instead of the JP Morgan funds, because they have a big tax advantage with the 60-40 split of qualified dividends. I actually own SPYI and IWMI, mainly because SPYI is a straight S&P500 fund, instead of a value fund like JEPI, so it has a lot of overlap with the top stocks in the NASDAQ 100, so I went with IWMI which helped for diversification and it pays a higher yield.
2- Kind of out of the box thinking, but you could do something like invest 27k in a fund like YMAX, to get your 1000/mth and then keep the remaining 73K in cash. You'd generate more money, with 73% less risk exposer to the market. Not what I'd necessarily recommend, but it does make you think about how you look at risk. You could even put say another 23K in JEPI and still leave half your money, 50K, in cash.
Love this combination of the 3 ETFs - pity that dividend payments from US to Singapore is subject to withholding taxes of 30%!
@@TheDividendUncle wow 30% that's massive... my withholding taxes are just 15%
@@Yieldthiefit is! That’s why I invest in JEPG listed in the UK (instead of the amazing JEPI), where withholding taxes is zero. 😅 For US, I’m more into growth stocks
Wow great info! I am hearing investment advisors selling me on this concept to get me to let them manage my money but I think I can learn it from you and save the $20k per year advisor fees
Thanks for your videos. How many portfolios do you have, to make so many different portfolio videos? 😊💜
1000 shares in holding in SVOL but I don't have more than 5 percent of any single ETF in my income portfolio.
My current top 3 in my income portfolio
I’ve been watching your video for the last couple months and catching up from like a year ago until now I enjoy your videos, break everything down and you explain everything in good detail
I keep my investment very simple: VGT/SCHD! Done your welcome!!! 550 shares of VGT and 15k shares of SCHD!!!
fantastic 3%
Please, Make a video about REITs, and SCHD, then compare them all.
Interesting video! Have all of these three. I'm asking in general how much percentage you would stack into covered call etfs of your asset allocation when you are round about 10 years away from your (early) retorement?
Thank you very much for making this video! I've been wondering forna while how these 3 ETFs would do if they would be in the same portfolio.
Hi. How do you feel about QDPL?
What platform are you using to showcase the total drawdowns of all three ETFs versus the SPY?
All in on MSTY
Dang, you really break it down! 💯💯💯
I’m young, however I’m considering some of my money going into JEPI and/or JEPQ once I get close to retiring along with SCHD to keep that dividend growth and appreciation going
I like the videos you do, but they are sometimes too lengthy
My entire account is 95% BIL
5% XDTE etf
☠️
Very useful video, thanks. The tip on using Yield On Cost to gauge NAV depletion is a nice addition to analytical tools. As as prank, I think you are the only person in the western world that reads charts right to left. 🤣
Yeah, I had to laugh when she said that I thought to myself.OMG she's so cute.
In my Roth I have SVOL, SCHD and SCHG
Maybe I skipped it but what are you paying in taxes from this dividen example
Thanks Vicktoriya -- good reasoning! Can you suggest alternatives for those who want these same asset and sector diversification and downside protection, but want to do so in a taxable trading account and be more tax-efficent? i.e. reinvest some of the juicy dividends as NAV gains rather than being taxed every year as ordinary income?
Put them in a roth IRA
Why suggest SVOL when it has NAV depletion?
My thoughts exactly
Good Question
My SVOL NAV is the same as when I bought it.
She drew a straight line in red, buuuut. 😅
SVOL is brilliant.. total returns are what counts..never forget this 😎
Can you compare IVVW w JEPI?
I opened a m1 account because of the simplicity of it and the ability to allocate based on percentages. I put jepi, jepq, spyi, tltw, svol, dgro,dgrw, divo,o, vici, mo, amlp. I DCA 25$ into it everyday I started with 5k its almost to 10k now. Hopefully it will keep snowballing into the future. See how it goes or if we ever get a pull back i want to invest heavier into it.
Do one on USOI!
SVOL has demonstrated NAV depletion in the past 6 months. Total return is not in the positive unless people owned it from inception.
@@Diviguy SVOL is the 🐐 😎
How much capital do I have to invest to make 1000$+/passive income?
At the assumed rate of 12% as a result of holding all 3 etfs equally weighted is $100,000
Guess which way the trend is going with SVOL.
I like these combo and will put some add ons. 😅
QDTE XDTE IWMY pays weekly distribution.
I bought 1 share to verify it's performance...3 months later still not broke even
Any downside to substituting FTHI for JEPI? FTHI i. Did better in the down year of 2022 ii. Did far better in both 2023 and 2024.
Gotta keep an eye on the ETF fees...
I wonder what the back tested portfolio return would be after several years if dividends were and weren't reinvested.....
I've been purchasing stocks since the beginning of the year, but nothing has changed. However, I've been reading articles about people who are still in the same market who have made over $350,000 in just a few months. What am I doing incorrectly?
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for this amazing tip. I just looked the name up and wrote her
Stocks extended their year-to-date rally following the CPI report, with the S&P 500 last up 0.8% in afternoon trading. but I don't know if stocks will quickly rebound, continue to pull back or move sideways for a few weeks, or if conditions will rapidly deteriorate.I am under pressure to grow my reserve.
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor.
I'm interested in trying this out. Who is your advisor, and how can I contact this person?
I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with "Stacy Lynn Staples" for years and highly recommend her. Look her up to see if she meets your criteria.
Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.
Which site to use to do portfolio backtest
SVOL high was $28 now $22. I wouldnt pick it
Just SOLD it.
What goes in with the JEPs to bring up the cash flow?
Have you seen SVOL total returns? 😎 😎 1 of my core holdings it's been brilliant 👌
I'm with you, pal. Share price degradation in every time period. Cheers
A lul comment, so bonds collapsed in 2022 due to interest rates being hiked. When in any other scenario bonds would stay flat while stocks fell, you think that's the future now huh? So I guess the world I'd just going to trade bonds and stocks in lock step from now on, if you're so sure go ahead and short bonds my friend, might be a great lesson for you. Even if costly
Impressive video, the financial landscape is intricate, with forces affecting equities, stocks ,bonds, silver, gold, and Bitcoin. Economic uncertainties add complexity. Technical analysis is crucial for adaptable investment strategies. Monica Lisa Payne, with expertise in cryptocurrency and traditional trading, coupled with her holistic approach and commitment to staying current, is an essential guide in navigating this new era in the ever-evolving financial landscape..
I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this
It's unexpected to come across her name here. She understands every beginner’s intention and fix you to a trading course that matches your capacity, she knows her stuff! Her advice has been invaluable to my trading journey. Definitely worth giving a shot!
It's truly refreshing to see a comment about Monica Lisa Payne. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure
Scammers! Fake posts. Scum of the earth.
Scammers! Fake posts. Scum of the earth.
Svol is minus 15% in 5 years return!
all US ones won't be suitable to Canadian investors unfortunately
Multiple that monthly income ($1,211) by 10, and then I'd be ready to retire.
This is great but Im avoiding everything before the election and we'll see what happens after.
You're gonna miss the run up!
To get 1000 per month how much need to be invested
She shows near the end. Not quite a 1/3 1/3 1/3 on $100k
Around $100K
Awesome advice and great analysis. Have a great weekend dear.
SCHD increase there dividends each yr. Those 3 do not. You failed to mention that
By how much? Can it compare with 12%~yield of these 3 ETFs. 2022 SCHD down 3.23%, JEPI down 3.52, SVOL down 3.24%. 2023 SCHD up only 4.57%(Ranking in the bottom 11% of its category!), JEPI up 9.81, JEPQ up 36.23%(New this year), SVOL up 22.84%. Do your own math.
Very nice job covering the basics. I am sharing this not to brag but to show what’s possible. I’m retired and I have 2 separate portfolios. One is a long term growth dividend portfolio of stocks where i sell covered calls strategically and my 2nd portfolio is the Crypto trading strategy where its all about income. This year I am on pace to make $120K in realized options profits and around $730K in crypto profit... What is great is that my long-term portfolio is still up significantly as well. As such, it’s possible to generate excellent income but still have a total return perspective. ...Amidst this, the insights of a knowledgeable guide like that of Francine Duguay can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends.
Francine duguay program is widely available online..
The market has gone berserk! whether you're a newbie or a veteran trader, everyone needs a sort of coach at some point to thrive forward.
I appreciate the professionalism and dedication of the team behind Francine's trade signal service.
Francine goes deeper than just looking at surface-level trends. she explores technical, fundamental, and sentiment analysis, offering a comprehensive perspective on the market..
The clarity and precision in Francine market predictions are astounding. I'm so grateful to have found her reviews here on RUclips as well.
Zivb beats Svol idk why no one talks about zivb
Because its drawdown is excessive
@@Alphahydro but does the same thing as Svol yes the draw down is a little heavier but so is the upside by alot
Watchd you a couple times before, quite awhile ago. This is the 1st time you've somewhat seemed to make sense. 😅
I thought she was out of the market
100.000 or 50.000 ? This video are for heavy hitters , how about find some good stuff for people who has 1000 or 500
First
Mommy get your cookie 🍪
The simple metric I have come to use when screening is the expense ratio. Anything above a 0.35% expense ratio is too risky and likely to destroy your NAV regardless of what the dividend yield is.
Lol, I love retail traders. Betting against you guys is so easy. You do your own due diligence against yourselves and don't even realize it.
i'm a retail tarder. i think shorting volatility (while interest rates and productivity are going down) is a great idea😅
JEPI , JEPQ , XDTE