I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.
The safest approach I feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
@@MelindaMatsuda It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
@@KacieLehman My CFA ’ is “Victoria Carmen Santaella”, 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.
I may be wrong, but I am almost certain JEPI has 12 distributions per year, there is not one in January, but to offset that there are 2 in December. the platform you were using is incorrect. I do agree though. JEPI is one of my largest positions and I love it so far
Should have it in a taxable account - larger basis to grow on the yield. Use your tax advantaged growth account (Roth) for equities and areas that grow the most. Nothing wrong with what you're doing but you are leaving some on the table with your strategy - QYLD should be in traditional IRA/401k
I think the stock market will do well in 2024, so I'm thinking of putting $220,000 into stocks for my retirement. Any advice on doing this safely? Also, any important tips for the current financial situation?
Keeping money in the bank is like paying banks and the Govemment. Here's how it works: The bank gives out your money as loan, and charge interest obviously higher than inflation rate, and then give you, the depositor, interest lower than inflation rate. That means net loss for you. That is why I prefer to invest, and on average, my advisor makes returns that always beats inflation!
Tax advantaged contributions for retirement are limited. $23k for 401K and $7k for IRA. In the case of an IRA you may also be required to take some out if you end up making too much money during the year. I was limited to $2800 last year.
nice video Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in last month 2024............
It doesn’t seem super correlated with the stock funds, which might be an advantage. On the other hand, it seems to hardly grow at all, so total return is just from the 16% dividend.
Do another every day dividends for 2024 please, still hanging on to the last years every day divs, it drives good old Vanguard up a hall too, love it! just wish they would offer dollar investing like they do with the etf's. don't see why they don't everyone else does.
How about DIVO? I’m looking for the best place to put my money for reasonable income and some growth with no consideration of tax class as I believe all distributions from pretax retirement accounts are taxed as ordinary income.
Love these dividend videos. No love for CLM though? I know it is volatile but its made money all but 1 year in the last 10 and is averaging way higher than these with a 20% dividend.
My problem with VIG is it barley has a higher yield than VOO, and it has lower total returns so its not really great at dividends and its not the best for growth. VYMs yield is similar with SCHD but historically much lower total returns. Then the covered call etfs will never grow meaningfully because your upside potential is always going to be capped and as you mentioned, if they are in a taxable account you are not going to get the preferential tax rates because its ordinary income and not qualified dividends. In terms of growth and yield, SCHD is the clear winner based on historical performance.
Hi @josephhogue , I am 25 years old anda finance major want to start investing my money in ETFs, I would split my portfolio. 30% VOO, 30% QQQ, 20% SCHD, 10% USRT and 10% individual stocks. Any advice or recommendations for my portfolio? I am still young and want a little bit more risk.
Over all, I appreciate the information, but the seamless segue into commercials throws the whole thing off. It's nugget, commercial, nugget commercial. I haven't got time to keep going back and getting the info set in my mind and I'm not slow.
Pointless to have unless both of these are true: 1: you need income now and are living off it 2: you lack the knowledge and or desire to run the options that yieldmax does yourself. From there it's still barely worth it, it's just another yield trap that is slowly losing the flavor of the month investing looking for the next big cash flow ETF
@josephhogue Are there any etf’s like JEPI which are accumulating? This way we can avoid taxes in Belgium, I do not need the dividend’s currently but I would like to build a dividend portfolio for the future
@@TheSmartLawyer you are correct but they do not do covered calls on 100% of the portfolio the rest of the portfolio you earned which are qualified dividends if you hold the ETF long enough
What I don't understand sometimes is that I'm not a us citizen, I don't live in the us. I don't use public services. I don't use the infrastructure. But I'm taxed from my dividends. If taxes is to provide "public services" why am I being taxed?
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So would it be smart to have all 5 in one portfolio??
I'm in VYM, SCHD, JEPI (as well as JEPQ) and a CIT high yield acct! Love them all! Thank you Joseph.
That's a good mix, I've got same plus 5 more covered call ETFs
I have vym and schd.
I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.
The safest approach I feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
@@MelindaMatsuda It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
@@ShellyHuerta This is considerable! think you could suggest any professionals/advisors? I'm in dire need of proper portfolio allocation.
@@KacieLehman My CFA ’ is “Victoria Carmen Santaella”, 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.
@@ShellyHuerta I will give this a look, thanks a bunch for sharing.
I may be wrong, but I am almost certain JEPI has 12 distributions per year, there is not one in January, but to offset that there are 2 in December. the platform you were using is incorrect.
I do agree though. JEPI is one of my largest positions and I love it so far
I agree, it's a monthly payer.
It is. Yahoo finance just had missing info as it does from time to time.
@@markpeterson03275 - And Hogue being a CFA using YF....just wow!
That seems to happen with nearly every monthly paying etf. SPHY, TLT, SGOV etc
it had 12 distributions, Joseph's quailty control on his videos is declining, be careful with his videos
JEPI IS A MONTHLY dividend. 😊
Missed JEPQ. JEPI and JEPQ are kind enough to pay all my bills.
I am on SCHD and DGRW
Ain't DGRW etf carry a high expense ratio??
ZIVB is the best one. Dividend yield 25.68%
I have some QYLD in my Roth account with DRIP. 11.6% tax free dividends
Should have it in a taxable account - larger basis to grow on the yield. Use your tax advantaged growth account (Roth) for equities and areas that grow the most. Nothing wrong with what you're doing but you are leaving some on the table with your strategy - QYLD should be in traditional IRA/401k
Good for you !
I think the stock market will do well in 2024, so I'm thinking of putting $220,000 into stocks for my retirement. Any advice on doing this safely? Also, any important tips for the current financial situation?
Keeping money in the bank is like paying banks and the Govemment. Here's how it works: The bank gives out your money as loan, and charge interest obviously higher than inflation rate, and then give you, the depositor, interest lower than inflation rate. That means net loss for you. That is why I prefer to invest, and on average, my advisor makes returns that always beats inflation!
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
vug voo vig vym vgt
Tax advantaged contributions for retirement are limited. $23k for 401K and $7k for IRA.
In the case of an IRA you may also be required to take some out if you end up making too much money during the year. I was limited to $2800 last year.
Svetlana Sarkisian Chowdhury by name. Please do your own research to see if he is suitable with your goals
Nice, how about JEPQ + JEPI?
im thinking the same or are they to similar?
excellent side by side comparison !
nice video Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in last month 2024............
I'm 47 and have been looking for ways to be successful, please how??
LUNA JAMES expertise is truly commendable.
I'm new at this, please how can I reach her?"
she often interacts on Telegrams......................
using the user below
when your so near retirement wouldn't QYLD be a better option if you want monthly income?
Do you like SVOL even with the high expense ratio?
YES !
I was wondering the same.
It doesn’t seem super correlated with the stock funds, which might be an advantage. On the other hand, it seems to hardly grow at all, so total return is just from the 16% dividend.
I like AGNC Joe
100% JEPQ in Roth IRA. No taxes here
Do another every day dividends for 2024 please, still hanging on to the last years every day divs, it drives good old Vanguard up a hall too, love it! just wish they would offer dollar investing like they do with the etf's. don't see why they don't everyone else does.
I second this
Thoughts on QQQY
What about ELNs? Are we at risk of losing principal?
So to clear about the dividend tax rates, if i purchase the etf's in a pre tax account everything including the dividends are taxed at income rates?
Having problems updating the portfolio tracker,keep getting error refreshing or yet Marco messages
Now we’re talking 💰
You forgot to mention nonqualified dividends are not relevant in retirement accounts
I have
SCHD
VYM
VIG
VOO
DGRO
JEPI in my Roth IRA
Will it make a difference to the withholding tax foreign investors have to pay whether dividends are qualified or not?
i do jepy qqqy currently
Do you get taxed on these if they’re in a Roth IRA?
No, they will be protected in a Roth. No taxes.
How about DIVO? I’m looking for the best place to put my money for reasonable income and some growth with no consideration of tax class as I believe all distributions from pretax retirement accounts are taxed as ordinary income.
I own 3 of them👍
About $CYN
Thanks for the Alpha. I have to do more research on SCHD.
I have DIVO, JEPI, SCHD, QYLD & JEPQ. Why was JEPQ not included? It has been awesome. I also own QQQ for appreication.
QQQM same portfolio with lower expenses than QQQ.
Ho Josepg what About SPYI?
Love these dividend videos. No love for CLM though? I know it is volatile but its made money all but 1 year in the last 10 and is averaging way higher than these with a 20% dividend.
I like CLM AND CRF for income!
PRF, FDL ??
You can own QYLD and Jepi in a Roth and not have to pay any taxes. And I’m surprised JEPQ and SVOL are not on list
My problem with VIG is it barley has a higher yield than VOO, and it has lower total returns so its not really great at dividends and its not the best for growth. VYMs yield is similar with SCHD but historically much lower total returns. Then the covered call etfs will never grow meaningfully because your upside potential is always going to be capped and as you mentioned, if they are in a taxable account you are not going to get the preferential tax rates because its ordinary income and not qualified dividends. In terms of growth and yield, SCHD is the clear winner based on historical performance.
Hi @josephhogue , I am 25 years old anda finance major want to start investing my money in ETFs, I would split my portfolio. 30% VOO, 30% QQQ, 20% SCHD, 10% USRT and 10% individual stocks. Any advice or recommendations for my portfolio? I am still young and want a little bit more risk.
you say advantages of the other etfs over qyld but qyld is so much cheaper to make up any disadvantages
Over all, I appreciate the information, but the seamless segue into commercials throws the whole thing off. It's nugget, commercial, nugget commercial. I haven't got time to keep going back and getting the info set in my mind and I'm not slow.
What do you think of the Yeild max EFT
Pointless to have unless both of these are true:
1: you need income now and are living off it
2: you lack the knowledge and or desire to run the options that yieldmax does yourself.
From there it's still barely worth it, it's just another yield trap that is slowly losing the flavor of the month investing looking for the next big cash flow ETF
I'm too poor to pay taxes.
That's exactly why you are poor!!
Too bad SPYI and QQQI weren’t evaluated, since they have some tax advantages compared to other high dividend funds.
APRIL 13, 2024
I thought he would be smarter than this and check his sources for accurate information.
@josephhogue
Are there any etf’s like JEPI which are accumulating? This way we can avoid taxes in Belgium, I do not need the dividend’s currently but I would like to build a dividend portfolio for the future
On the dividend stocks that JEPI holds the Dividends are qualified.
The premiums earned on covered calls are ordinary income.
@@TheSmartLawyer you are correct but they do not do covered calls on 100% of the portfolio the rest of the portfolio you earned which are qualified dividends if you hold the ETF long enough
PRF beats SCHD
What I don't understand sometimes is that I'm not a us citizen, I don't live in the us. I don't use public services. I don't use the infrastructure. But I'm taxed from my dividends. If taxes is to provide "public services" why am I being taxed?
Where do you rank meet Kevin’s PP ETF?
Aren't all dividends payed out from a qualified account taxed as ordinary income? (Except a Roth)
If you’re talking about a pretax retirement account like an IRA or 401k, yes.
did you really cite Kathy Wood in your most recent newsletter?? dear god, she's horrible
Would you comment on JEPY, LQDW, SPYI ? 🥸😎🤓
If you have a Roth IRA tha you don't care if it is qualified or not. Go for the highest divident.