I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Vivian Jean Wilhelm turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@YinusaSaheed The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
I’ve tried investing in various things that didn't work out as I hoped. Now, I'm looking at ETFs as a more reliable option. What are the best 5 ETFs for a rookie looking to invest a lump sum? let's say 90k?
JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.
An ETF with more risk and payout is QDTE. It pays weekly but is higher risk because it just came out this year. The fund is based on covered calls which make money in any market, up or down.
"DCA DCA" is the golden term but the key. My dollar portfolio i DCA with is made up of 30% SCHG, 25% SCHD, 15% VOO and over 30% in digital assets, thanks to my CFA. This strategy is what works for my spouse and I. We've made over 80% capital growth minus dividends. Q3 taxable divs this year was $18,388.
My current holdings are: SCHD 5K Shares SOXQ 750 Shares, SCHG 750 shares, JEPQ 100 shares, VOO 275 shares and VGT. 275 shares. I'm 50 years old, FIRE and don't need the money, How best do i perserve my portfolio for my grand-children?
Having SCHD and JEPQ are smart additions in my opinion. it's all about balancing your risk tolerance with your long-term goals. Partnering with a fiduciary advisor can help streamline your strategy.
I’m currently working towards financial freedom with a focus on dividends & growth investing. Since 2014, I’ve built a portfolio made up of 30% NVDA, 25% SCHD, 15% VOO and over 30% in digital assets, thanks to my CFA. This strategy has helped me earn $49,000 a year in dividends. Back in 2014, I only earned $21 in dividends.
I love ETFs. Ended up buying QQQM in my Roth, JEPQ, SCHD, and some individual stocks in my account. I have a considerably larger position of SCHD, which are well managed.
so big on stocks and it has worked well for me, but I also like to have a well balanced, low-cost set of ETFs that keeps the money in my pocket. How effective are your managed efts with this lot?
SCHD is About 35% of my Roth IRA SPDR S&P 1500 value Tilt ETF is about 31% of my Roth. The rest is covered call ETFs for all 4 US market indexes, international, extra concentration with sector ETFs with energy, health care, utilities, WTI futures and general commodity futures ETFs.
tbh adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased 88% in the past year while participating behind a top performer. It’s truly great to see steady growth.
I'm looking to start a position in JEPQ with dividends of existing stocks. It's going into an IRA and I'm really looking for growth over time. I will be reinvesting dividends, so my position size will grow over time. Okay if I ask for referral from you.
Would say long term VTSAX/SCHD would be great. If you want dividends monthly JEPI/JEPQ are nice to have in a IRA. Every $1000 I invest in JEPQ is $10 a month. 15K in Jepi making 100 a month. 5.5K in JEPQ making $50 a month.
4 месяца назад
Jm smuckers is at a great price..take a look at it
I assume you're on the younger side since you just started and a long time away from retirement. Are you sure you want to be invested in an income play and pay all those taxes along the way??
Well done. My portfolio’s up ~$553k YTD! I hold most of my money in ETFs and I have a few individual stocks that I collect dividends and sell covered calls on.
How do you do it? I put in a fair amount in some dividend stocks for a year and a half and not much changed in that time period. Personally I would like the next big thing in terms of sectors to focus on.
If one is in their early 40s and just started investing (have 401k from work). Should they just focus on growth etf since it will be too late for them to see real benefits with dividends?
I wouldn’t say early 40s is ‘too late’ for anything related to investing. If you have at least 20 years left to put money into the market then I think growth is a nice way to lean. I would still have a balance of the two. I think value/dividends is good to have at any age in any market (with at least a portion of the portfolio) Having professional guidance is really what helps me understand what to do in terms of strategy for my portfolio
Well done on profits. I think we’re really heading into a recession. I don’t know what that means for stocks, which I’ll admit are on a tear that I’m missing out on
Appreciate the response. I’ve been trying to find a good advisor but these people are not easy to come by. Especially the transparent and honest ones. Some are just after their fees, and cuts. Not actually putting the best interests of their clients first. Okay if I ask for a referral?
For income I'm focused on MAIN, SPYI, and QQQI. MAIN had beaten the S&P recently which is nice but a current lower yield compared to the other two. I have dividend growth with SCHD and DGRO. The rest of my portfolio is growth but it's a power percentage.
Hello. @0.57 on line 13 you have MPW listed with 22.17% in the Dividend yield column. Is that accurate? Where did you get that figure from ? On line it says it's more like 12.xx%
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Catherine Gauthier.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
My understanding is that most of the dividends are not qualified dividends and therefore are taxed as ordinary income. If so, then this has to be factored in to your decisions, depending on your overall tax bracket situation, etc.
I'm looking to start a position in JEPQ with dividends of existing stocks. It's going into an IRA and I'm really looking for growth over time. I will be reinvesting dividends, so my position size will grow over time.
I own a few shares and want to buy more when i see a the qqq dip so i can get in at a better price. I should probably buy anyway because if the fed cuts rates this year it might just get more expensive.
You say you really like this fund and you only have 25k in it? You say you have 1 million invested so JEPQ is only 4 percent of your portfolio. Why do you even bother?
4% position weight is for stable diversification. It's even more stable if you have 30 positions because each investment only represents 3.33% of the portfolio. Bottom line, If one asset tanks, it's only 3.33% - 4% of your entire portfolio and won't really hurt you drastically.
Of all this explosion of covered call ETFs, JEPQ seemed the most legit. I dipped my toe in and lost money before I decided against this covered call approach entirely. For one thing, income is not as important as growth at this stage of my investing. But I'm also concerned about how these funds will do during a crash. Got a little taste of this in 2022, but that was a baby crash. I'm talking about massive downturn. Will JEPQ ever recover from it, and will it be able to maintain consistent yields over time? Or will this just prove to be a sophisticated and expensive way to burn through my capital as I age?
I've been researching these extensively plus covered calls. I have a good grasp on these but I'm not quite sure if it fits my long term growth investment styles as I have a higher risk tolerance. Despite that it could be a good play if the market underperforms with lower volitility in the next decade.
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Angela Lynn Schilling is who i work with and she is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later.
I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer
I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
Her good reputation already speaks for her .I’m also one of the beneficiary of Natalie Strayer. So happy I gave it a trial after being skeptic of the process.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Vivian Jean Wilhelm turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@YinusaSaheed That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@JulianaBondtsG My advisor is *MARGARET MOLLI ALVEY*
You can look her up online
@@YinusaSaheed The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
I’ve tried investing in various things that didn't work out as I hoped. Now, I'm looking at ETFs as a more reliable option. What are the best 5 ETFs for a rookie looking to invest a lump sum? let's say 90k?
JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.
An ETF with more risk and payout is QDTE. It pays weekly but is higher risk because it just came out this year. The fund is based on covered calls which make money in any market, up or down.
"DCA DCA" is the golden term but the key. My dollar portfolio i DCA with is made up of 30% SCHG, 25% SCHD, 15% VOO and over 30% in digital assets, thanks to my CFA. This strategy is what works for my spouse and I. We've made over 80% capital growth minus dividends. Q3 taxable divs this year was $18,388.
@@AddilynTuffin I find your situation fascinating. Would you be willing to suggest a trusted advisor you've worked with?
Jennifer Leigh Hickman is the Texas-based advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
My current holdings are: SCHD 5K Shares SOXQ 750 Shares, SCHG 750 shares, JEPQ 100 shares, VOO 275 shares and VGT. 275 shares. I'm 50 years old, FIRE and don't need the money, How best do i perserve my portfolio for my grand-children?
Having SCHD and JEPQ are smart additions in my opinion. it's all about balancing your risk tolerance with your long-term goals. Partnering with a fiduciary advisor can help streamline your strategy.
I’m currently working towards financial freedom with a focus on dividends & growth investing. Since 2014, I’ve built a portfolio made up of 30% NVDA, 25% SCHD, 15% VOO and over 30% in digital assets, thanks to my CFA. This strategy has helped me earn $49,000 a year in dividends. Back in 2014, I only earned $21 in dividends.
Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
Melissa Elise Robinson is the CFA i work with. Search her up.
Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.
I love ETFs. Ended up buying QQQM in my Roth, JEPQ, SCHD, and some individual stocks in my account. I have a considerably larger position of SCHD, which are well managed.
so big on stocks and it has worked well for me, but I also like to have a well balanced, low-cost set of ETFs that keeps the money in my pocket. How effective are your managed efts with this lot?
SCHD is About 35% of my Roth IRA SPDR S&P 1500 value Tilt ETF is about 31% of my Roth. The rest is covered call ETFs for all 4 US market indexes, international, extra concentration with sector ETFs with energy, health care, utilities, WTI futures and general commodity futures ETFs.
tbh adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased 88% in the past year while participating behind a top performer. It’s truly great to see steady growth.
I'm looking to start a position in JEPQ with dividends of existing stocks. It's going into an IRA and I'm really looking for growth over time. I will be reinvesting dividends, so my position size will grow over time. Okay if I ask for referral from you.
a lot of people into ETF let it ride for the long-term given its solid returns overtime.
I just bought 6 shares, also to be noted i just started investing this month, and JEPQ is my first ever investment.
Would say long term VTSAX/SCHD would be great. If you want dividends monthly JEPI/JEPQ are nice to have in a IRA. Every $1000 I invest in JEPQ is $10 a month. 15K in Jepi making 100 a month. 5.5K in JEPQ making $50 a month.
Jm smuckers is at a great price..take a look at it
Good job. Keep learning and investing. Never too young to open a Roth IRA.
I assume you're on the younger side since you just started and a long time away from retirement. Are you sure you want to be invested in an income play and pay all those taxes along the way??
Buy SCHD instead. Build a large position in this ETF…
Then buy JEPQ or ISPY or SVOL
Well done. My portfolio’s up ~$553k YTD! I hold most of my money in ETFs and I have a few individual stocks that I collect dividends and sell covered calls on.
How do you do it? I put in a fair amount in some dividend stocks for a year and a half and not much changed in that time period. Personally I would like the next big thing in terms of sectors to focus on.
If one is in their early 40s and just started investing (have 401k from work). Should they just focus on growth etf since it will be too late for them to see real benefits with dividends?
I wouldn’t say early 40s is ‘too late’ for anything related to investing. If you have at least 20 years left to put money into the market then I think growth is a nice way to lean. I would still have a balance of the two. I think value/dividends is good to have at any age in any market (with at least a portion of the portfolio) Having professional guidance is really what helps me understand what to do in terms of strategy for my portfolio
Well done on profits. I think we’re really heading into a recession. I don’t know what that means for stocks, which I’ll admit are on a tear that I’m missing out on
Appreciate the response. I’ve been trying to find a good advisor but these people are not easy to come by. Especially the transparent and honest ones. Some are just after their fees, and cuts. Not actually putting the best interests of their clients first. Okay if I ask for a referral?
Have over 20 shares! Also 10 of Spyi. Both have really steady monthly dividends
Jepi 71 and a bit jepq 78 and a bit. Both set on drip. I'm new to investing. Had my portfolio for 4 months.
Have JEPQ and QQQY. Will be selling out of QQQY after next dividend payment and loading it into JEPQ.
Currently holding 150 shares of JEPQ
You say you bought your shares of JEPQ "several years ago" but its inception date was May 3 , 2022. SMH
For income I'm focused on MAIN, SPYI, and QQQI. MAIN had beaten the S&P recently which is nice but a current lower yield compared to the other two. I have dividend growth with SCHD and DGRO. The rest of my portfolio is growth but it's a power percentage.
Hello.
@0.57 on line 13 you have MPW listed with 22.17% in the Dividend yield column.
Is that accurate?
Where did you get that figure from ?
On line it says it's more like 12.xx%
2033 shares ... so far
3000 shares schd 2000 shares dgro... thats my core... just retired at 53... kinda
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Catherine Gauthier.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Catherine Gauthier too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
My understanding is that most of the dividends are not qualified dividends and therefore are taxed as ordinary income. If so, then this has to be factored in to your decisions, depending on your overall tax bracket situation, etc.
No i dont have any of these shares, but now i will keep an eye on it. Thanks
Meant to get JEPQ, but got JEPI, will get equal amount of JEPQ on Monday
The number of BOTS that are in every one of these videos comments are so damn annoying.
Is there an ETF that does cover put options for a bearish market?
I'm looking to start a position in JEPQ with dividends of existing stocks. It's going into an IRA and I'm really looking for growth over time. I will be reinvesting dividends, so my position size will grow over time.
Several years ago?
It’s only been around since May 2022.
This is either an AI driven account or you’re full of it.
Maybe it was just slip up. 🤔
😂
Do you have a lot of free time?
Is the expense ratio something that is baked into the cost or will this be something charged to the cash (haha) in my account?
I own a few shares and want to buy more when i see a the qqq dip so i can get in at a better price. I should probably buy anyway because if the fed cuts rates this year it might just get more expensive.
You say you really like this fund and you only have 25k in it? You say you have 1 million invested so JEPQ is only 4 percent of your portfolio. Why do you even bother?
4% position weight is for stable diversification. It's even more stable if you have 30 positions because each investment only represents 3.33% of the portfolio. Bottom line, If one asset tanks, it's only 3.33% - 4% of your entire portfolio and won't really hurt you drastically.
you invest $25k in JEPQ and get $208 in every month ? after taxed?
Of all this explosion of covered call ETFs, JEPQ seemed the most legit. I dipped my toe in and lost money before I decided against this covered call approach entirely. For one thing, income is not as important as growth at this stage of my investing. But I'm also concerned about how these funds will do during a crash. Got a little taste of this in 2022, but that was a baby crash. I'm talking about massive downturn. Will JEPQ ever recover from it, and will it be able to maintain consistent yields over time? Or will this just prove to be a sophisticated and expensive way to burn through my capital as I age?
I have 300 shares of JEPQ- argetting 3000 by next year,
I invested $50,000 into JEPQ recently 910 shares.
Good episode, good review of a interesting ETF for income and growth !
I have 1500 hundred shares in JEPQ
Wow keep going bro
I've been researching these extensively plus covered calls. I have a good grasp on these but I'm not quite sure if it fits my long term growth investment styles as I have a higher risk tolerance. Despite that it could be a good play if the market underperforms with lower volitility in the next decade.
You only need 3 funds
SCHD
VOO
QQQM
Great information on this video thanks
Why JEPQ over QQQI
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Angela Lynn Schilling is who i work with and she is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later.
Thank you for this amazing tip. I just looked the name up and wrote her.
did they just stop paying dividend s ??
no, they have not stopped the dividend...there are a few companies on seekingalpha not showing dividend payments. Not sure what is going on though.
I have 372 shares, my current goal is to get 1000 shares.
I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer
I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.
I'm new at this, please how can I reach her?
Her good reputation already speaks for her .I’m also one of the beneficiary of Natalie Strayer. So happy I gave it a trial after being skeptic of the process.
GIPQ is better
Terrible DGR.
i got the gp ones
115 shares
Got 50 shares, but buying GPIQ now, a better return.
500