Mi question is , i am retiring in 2 years and want to invest in Jepi, i will be spending all my monthly distributions without touching the original principal. is the original principal going to grow slowly or decay over time? Thank you
We can't know for sure. By its investing objective, JEPI should grow your principal but at a slower rate than in the S&P 500. JEPI's inception date is 5-20-2020, so we don't have much real-world data, and the real-world time frame was a weird one-covid, then inflation, then the Fed's 2022 rate-raising campaign and resulting bear market in stocks and bonds. Rather than putting everything in JEPI, please consider running an income portfolio, preferably one that includes a rebalancing schedule. Such an approach would relieve you of needing to guess whether JEPI will appreciate in a given time frame. You know my favorite income plan: Income Sig, in The Kelly Letter. As mentioned in this episode, it uses QYLD, not JEPI, but does so in a rebalancing system that benefits from price change. In my view, this is the best way for long-term investors to participate in chaotic markets.
@@thekellyletter thank you for your time and quick response. My plan is to make an income portfolio with jepi, jepq, divo, and also some CEFs ike bst, utg, utf, rqi and rnp. This last ones have been proven for at least a decade, they won’t grow as much , but i wll be diversified and with an average yield of 7-8%.
I invested a significant amount on JEPI, NUSI and RYLD on October 21. Unfortunately, NUSI have been the worst investment to date. Won't buy anymore of it again. My NUSI is down 24% to date, will keep until my cost matches current value and then sell to purchase more JEPI or something else. RYLD and JEPI are down too but not even close to Nusi. It is what it is.
You might want to consider a plan that rebalances among such high-yielding funds. It would automatically shift your money into the one yielding more (via lower relative price, all else equal), and put such performance discrepancies in your favor.
Mi question is , i am retiring in 2 years and want to invest in Jepi, i will be spending all my monthly distributions without touching the original principal. is the original principal going to grow slowly or decay over time? Thank you
We can't know for sure. By its investing objective, JEPI should grow your principal but at a slower rate than in the S&P 500. JEPI's inception date is 5-20-2020, so we don't have much real-world data, and the real-world time frame was a weird one-covid, then inflation, then the Fed's 2022 rate-raising campaign and resulting bear market in stocks and bonds.
Rather than putting everything in JEPI, please consider running an income portfolio, preferably one that includes a rebalancing schedule. Such an approach would relieve you of needing to guess whether JEPI will appreciate in a given time frame.
You know my favorite income plan: Income Sig, in The Kelly Letter. As mentioned in this episode, it uses QYLD, not JEPI, but does so in a rebalancing system that benefits from price change. In my view, this is the best way for long-term investors to participate in chaotic markets.
@@thekellyletter thank you for your time and quick response. My plan is to make an income portfolio with jepi, jepq, divo, and also some CEFs ike bst, utg, utf, rqi and rnp. This last ones have been proven for at least a decade, they won’t grow as much , but i wll be diversified and with an average yield of 7-8%.
I invested a significant amount on JEPI, NUSI and RYLD on October 21. Unfortunately, NUSI have been the worst investment to date. Won't buy anymore of it again. My NUSI is down 24% to date, will keep until my cost matches current value and then sell to purchase more JEPI or something else. RYLD and JEPI are down too but not even close to Nusi. It is what it is.
You might want to consider a plan that rebalances among such high-yielding funds. It would automatically shift your money into the one yielding more (via lower relative price, all else equal), and put such performance discrepancies in your favor.