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Tell that to my 10% STRC divvy.
Also, with Saylor’s Strategy offering preferred stock products with STRK, STRF, STRD and now STRC offering 10% yield, if I was Jamie Dimon and my bank was only offering 1.5% interest on my savings , I’d be more than a little worried about this as he definitely feels threatened. It’s tradfi colliding with defi. This battle is just getting started boys. Grab some popcorn 🍿
The lower the fed interest rate goes, the more enticing Strategy's preferreds look, such as STRC at 10.5%, the proceeds of which get rolled into bitcoin.
Going off [https://www.strategy.com/](https://www.strategy.com/) They got $8.2 Billion in debt, first batch of $1.01B due in 2028 (can be forced to payout in 2027), average interest rate 0.5% STRD Preferred stock $1.255B issued at 10% STRK Preferred stock$1.4B issued at 8% STRC Preferred stock $3B issued at 10.50% STRF Preferred stock $1.3B issued at 10% STRE Preferred stock $0.7B (USD) issued at 10% So thats a total of $8.8B at roughly 10% So they need close to 1 Billion a year for interest and preferred stock dividends. Based on their current holdings (and current Bitcoin price) is a 2% dilution required. So effectively its just a really expensive Bitcoin ETF atm. No idea how they are going to raise more money to buy bitcoin. But also can't see them getting into real trouble until the first bonds become due.
Nothing stops a downfall faster than selling. I bought STRC on Monday. That's what caused the whole economy to crash. Going to sell in December. That should bring things back up.
Explain then. His products aren't in a position he can tap them. STRC for example is trading at 92, the target is 100.
I get what you are coming from, it’s difficult to make sense of all the rather complex information. The dividends are not paid on their bitcoin holdings, they are being paid on the $8b in credit, STRD, STRK, STRF, STRC and STRE.
It depends on the product. For STRD, nothing. For STRC for instance MSTR has to pay interest on skipped dividends that will cumilate (they have to pay it off eventually but can skip a date).
Actually, they dont. If you look at the different credit products they offer e.g. STRC/STRD, they can skip dividends in the latter, in the former they're cumulative.
From chat - Strategy’s dividend products (STRC/STRD) are backed mostly by senior secured private credit loans, which are safer than junk bonds but riskier than Treasuries. The dividend is relatively safe because Strategy earns more on the loans than they pay out and can smooth payments with cash reserves and small MSTR equity sales. Principal risk is moderate—defaults can happen, but the loans are over-collateralized and short-term, which limits damage. Overall, they are fairly safe income products, but not risk-free like government bonds.
My prediction from yesterday ( ͡° ͜ʖ ͡°) >I think it will be around 7,500 coins >The liquidity comes from the launch of STRE and a week of STRC @ target >Im guessing the average will be higher than the current price though, maybe around 98K-102K
It's all about timeframes to me. When do you need this money? If it's not for 30 years then why worry about the day to day volatility? Just ride it out. It you do need it in the next couple years then ya you should probably have that portion in something more secure like STRC.
MSTR has survived worse for longer, and he'll have enough cash from the $STRC offering for another 4 months of weekly $50,000,000 purchases. Strategy is just a leveraged-BTC stock the same way BTC acts like leveraged-Tech stocks. They're bound to have worse drawbacks while BTC is in one of its moods.
Looking forward to the next big pump for BTC once Saylor has his hands on those hundreds of millions of dollars from the $STRC offering to buy this dip. He's got a knack for buying really high local tops at the very least, so once he's ready to pull the trigger, the price should skyrocket just before he does lol.
Ok on this we see eye to eye. The volatility with the four year cycle and the unpredictability. Short term. It’s not something for people that need an emergency fund. That’s the absolute biggest issue. Every four years it has had a down year. Granted all that has been before the start of ETFs no one has seen what a crypto winter would look like with ETF demand and buys. Enter STRC. From Strategy and Michael Saylor. Stability like a mother fucker. Consistent 9.5 to 10.5% returns per year. Not only that. The returns you get are tax deferred. Not capital gains tax. Interest paid monthly. You can even buy more STRc with it. I’m assuming you don’t know what this is. Volatility stripped away while still keeping some of the upside of Bitcoin. Need a place to park emergency cash and also want some income? Intrigued? At least here it’s tax deferred. In fact you don’t ever pay the tax unless you sell your shares. It’s considered a return of principal. What do you think? Good? Not too good?
I’m doing something very similar to you except my high yield savings is STRC, paying 10.25% dividend.
This article is so misguided.. Equity = asset - debt You can’t just directly compare its bitcoin holding to its share mcap, especially considering they issued all these preferred convertible STRC, STRK etc etc.
I grabbed a couple of shares of MSTR, MSTY (I know, be nice) STRK, STRD, STRC and maybe one other before I even knew what they were. Bags are bleeding but I’m in it for long term😅
Anyone looking for less vol would buy their preferred equity instruments. STRC, STRF, STRK
I love the vision... ...BUT Bitty price needs to recover some moving averages or sentiment will be so bad that you won't be able to sell those products. I'm deep into Bitcoin and want to buy STRC, but I'm still just watching.
Source is mainly STRC getting to PAR and them being able to continue to create and fulfill demand for a 10.5% stable price preferred offering. HYSA's pay 3-4% and decreasing with rate cuts, if STRC pays 10.5% and it's tax deferred it's a much more attractive offer. They just started marketing it, let's see how it plays out
Makes total sense. STRC beats HELOC rates. MSTR seems to be solid. If fees etc are good - it makes sense 💗 (I have some questions about mstr longer term, and it is not my preferred way of holding but I can see how it would work and be of tremendous value)
STRC hit $100 so I expect a bit from that.. mNAV is low so nothing from the common.
Since the 2022 bottom, I 5x my investment in BTC. Besides some BTC in long-term storage, I’m totally in cash, STRC, and money markets now. I retired at 36yo in ‘21 because I follow cycle theory. You Buttcoiners can go on and on about people getting recked, but you’re just missing the opportunity of a lifetime.
Sure. I’m referring to STRC/STRD/STRF/STRK. MSTR doesn’t do a dividend. Which one do you think holds more weight? Bitcoin or the faith and trust of the US Government 🤓 see where this is in 5 years
loving STRC & STRD rn. MSTR is on sale too
2nd time in a week Saylor shills STRC. Must be desperate to fund Strategy's next BTC purchase at this price.
I see. That is very interesting to learn. In this case I wonder because I wonder if shares of STRC will count as shares of a stock. So an asset perhaps? Maybe not though if a gray area do not want to push it with religious obligations.
STRC has hit $100 which is the target "stable price", means he can issue more shares when new buyers come along.. The perfect bear market product.
What happens if you lose your job? Suggest keeping 3-6 months of fiat. Preferably in STRC.
What about STRC. The 10% payments you get are not classified as interest. It’s classified as return of capital. You don’t even get taxed on it. It’s deferred. You don’t pay it back if you don’t sell. You can even use it to buy more STRC. Then pay taxes on it when you sell shares if you want.
The company, Strategy, plans on paying its **$689 million total annual interest and dividend obligations** primarily through the use of its **Common Equity ATM** (At-The-Market offering) [1, 2]. Strategy emphasizes that it has **"more than sufficient access to liquidity"** to manage its total annual interest and dividend obligations due to its proven track record of capital raising activities [3]. The company feels confident that its ATM will be **"more than supportive"** for all of these dividend obligations [1]. ### Details of the Annual Obligation The total annualized interest and dividend obligations of **$689 million** (as of October 24, 2025) comprise [4, 5]: * **$522 million** in cumulative dividends on preferred equity (STRF, STRC, and STRK) [5]. * **$125 million** in non-cumulative dividends on preferred equity (STRD) [5]. * **$35 million** in interest expense on its convertible debt [5]. The $689 million annual obligation represents a small fraction of the company's financial metrics [2, 3]: * **1.7%** of the **Last Twelve Months (LTM) Total Capital Raised** ($40.4 billion) [2]. * **2.6%** of the **LTM Common Equity Raised** ($26.9 billion) [2]. * **6.1%** of the **Year-to-Date 2025 Operating Income** ($12.0 billion) [2, 6]. * **21.7%** of the **Average Daily Volume (Common Equity Last 30 Days)** ($3.9 billion) [2]. Furthermore, Strategy highlights that its large Bitcoin holdings provide significant coverage for these long-term obligations. With $74 billion in Bitcoin holdings, the company asserts that its assets are sufficient to cover approximately **120 years of its annual preferred dividend needs** at current prices [3].
I can't say for certain, but my theory is he was worried the price would go higher/faster than it did, so wanted to accumulate faster. Maybe he bought into the Government BTC reserve ruse lol. ATM did hurt, but if you look at the chart.. mid July MSTR hit around 450. By this time a majority of ATM was done, so it wasn't just that which caused the dip. When they did they announce STRC? End of July.
No big deal in the long run, but bear in mind the ex-div date is the 15th, so you're most optimal buying on the 14th (which guarantees settlement on 15th). i.e. If your trade is settled by Nov 15th, your first dividend payout is Dec 31. If your trade settles on Nov 16, your first dividend payout is not until Jan 31! So for that one day difference, your money is earning no yield for an additional month. Normal dividend yield stocks like this usually drop in price before the ex-div, but it doesn't look like STRC does because of its low volatility target of staying at $100 in perpetuity.
Look into STRC. Pays 10.5% APY, and helps the bitcoin network.
... or help Bitcoin and buy STRC.
what is the STRC strategy exactly?
I recommend STRC from strategy...give you exposure to btc and higher dividends than hysa which are tax deferred.
I am actually liking Saylor's STRF/STRC for parking cash short term. there is minimal default risk because MSTR has very low avg acquisition cost. plus you get \~10% interest. which I feel is safer than S&P atm. not selling my S&P but just dont feel like piling into it.
Depends on your goals and risk tolerance. Long term goals = buy BTC Long term goals high risk tolerance= by mstr ... Short term goals, low risk = buy STRC
if you remember the dialog by joker .. its not about money its about sending a message'. I'd say the fact that network is worth >2T without even making a crack at legit investing pools like retirement funds & bond market tells me that Bitcoin is already making a difference. you dont upset a 200-300 year old financial order in a decade, it takes a while & slow grind. personally I am thankful that on aggregate its growing way faster than S&P so Saylor can actually do debt strategies like STRC and funnel fixed income arbitrage into bitcoin. if that takes off even a bit you guys dont realize what a tailwind that is. franking this whole subreddit circlejerk around 'why its not 2X yet' is tiring and really boring. personally if bitcoin grows to be a international alternative to gold and upsets the fiat applecart, that is good enough for me. If I make some money on the way great, as long as on aggregate its >>S&P I dont care if it make me a millionaire.
You could get about $32,000 a year in dividends by owning STRF or more in STRC. It wouldn’t be my move to pay all that in taxes and lose the potential of all that capital by selling BTC (tax event) AND paying off a mortgage unless said mortgage is literally strangling the air out of you. I like STRF in that it has a first hold on $72B in BTC reserves. Quarterly dividend. STRC will pay you monthly.
I have a long-term hodl in cold storage locked in a bank vault in another country. I couldn’t access that BTC today if I wanted to. That said, I also have BTC I buy and sell every cycle to fund my lifestyle (retired last cycle at 37yo). This cycle, I was buying BTC between $25k and $16K in ‘22. I’ve sold all of that between $105k and $125k to 5x+ returns netting $500k. $300k has been rolled into STRC, the rest in money markets to pay for my lifestyle as I wait for the next cycle winter bottom. I’m not competing with everyone to time the top, I’m navigating my desired lifestyle. I love my paper hands, cuz I got paper in my hands.
I love the MSTR preferred stocks! Go with STRC if you want to minimize price fluctuations. MSTR is down a bit so STRK might be a good choice if it rebounds.
To be fair, if he's going to allocate anything to fixed income, STRC would be far and away a better idea.
Look into STRC if you are unsure. It stays locked at around $99 per share and pays 10% dividend monthly. The parent company is a Bitcoin Treasury and for them to ever have an issue paying you, Bitcoin would have to drop to an insane level like 15k, and if Bitcoin ever started dropping to the point where you would get concerned, you would have plenty of time to get out and move it back to a regular money market account. You can sell the STRC for nearly the same price you bought it at any time to move your investment to another vehicle.
If you go this route, just buy STRK or STRC for the high yield.
Emergency fund is money that could be working for you. Buy STRC for more thab than double the interest of a """high yield""" savings account. You can always get a credit card if you want quick access to money. I would put at least 25k in BTC. These people who promote the 3-6 months in savings are just repeating the same advice as everybody else.
Why not park $100M into STRC and just chill lol
STRC is a preferred stock issued by Strategy traded on the New York Stock exchange. Its aim is to peg near 100$ and pay whatever dividend will keep it there, which is currently 10.25%.
The risk I see with STRC is pretty one dimensional: either Strategy votes to pay dividends or not. My bet is they will pay almost no matter what because nothing matters more to Michael’s long-term strategy than investor trust, especially with these products. Shockingly, it’s the regular MSTR share holders that are taking by far the lion’s share of risk. Im actually quite confident in this trade, but even then, I’m cautious. I have identified one ‘canary in the coal mine’ signal that’s made me even more confident in the trade. Unfortunately, if you don’t understand the product, it won’t mean too much, but I’ll tell you anyway. If STRC lowers the dividend rate, + the lowered SOFR rate, and the share price is under $100, you must exit the stock. To clearly understand, I highly recommend downloading the IPO prospectus and uploading that to ChatGPT to go through the product.
I wouldn't touch STRC now. I have to see how it reacts deep into the bear market.
Isn't this the new BTC bottom? Why Invest all that in STRC and unlimited coin?
I see nothing wrong with your cautious strategy. You live a comfortable life and can wait years. I've been hearing more about STRC. Need to do some more research. What are the risk of it failing? Is it tied to Bitcoin price?
Thanks for sharing. So you say you exited already in BTC for now, and bought STRC now that’s somehow down from its ATH. Have you invested in ETH or other altcoin? I assume you haven’t, based on your story of good decisions. Unfortunately, I have, thinking some would outperform BTC in the last part of the cycle. In my case, this is my first cycle, and hoping to do better next time.
Maybe I should just guarantee 10% and invest in STRC
His access to highly profitable leverage ebbs and flows depending on market sentiment and preferred offerings. Euphoria within BTC would likely raise access to more capital, as would if STRC can reach parity to $100 consistently and get rated favourably by credit agencies. We have seen this historically that their ability to accumulate fluctuates massively over time depending on current sentiment. Also bear in mind the leverage he is using currently has a high torque, raising $100 per share of STRC gives him access to money without diluting common stock shareholders, no converts, just a perpetual dividend payment which will naturally become more insignificant as BTC rises in tandem to the dividend payment itself.
You are forgetting STRK, STRD, STRC, STRF and any future preferreds. You are dismissing future avenues for yield via BTC banking avenues etc. Put it this way, if mNAV is approx 1.4x, they need to achieve 40%+ BTC yield over the entire life time of the stock, to ensure MSTR outperforms spot bitcoin over the same duration, even if mNAV trended down to 1. 25% yearly accrual I agree is extremely unlikely moving forwards... but 40% over a lifetime? Sounds realistic to me.
It probably drops a decent bit, then the yield from it gets ramped up til it's enticing enough to bring in more capital to get it back to $99-101. Still tbd how well it works, but I'm bullish that Saylor can keep it relatively stable over the long term with his proposed mix of dividend hikes/cuts, share sells/buybacks, etc. If it drops to $50 off a btc dip, but the dividend yield jumps to 20% or higher, people will flood back in, then btc goes back up and they'll reign it back in. To me, it makes sense and is doable, but it's still a risk. But, I'm of the opinion BTC bear markets like we've seen before are over so, bullish on STRC for my emergency fund.
I love STRC, but if btc dips for a long time what happens to our strc?
STRC would be the place for this guy
STRC isn't guaranteed to stay at 100 or yield 10 percent so I would leave some room for drawdown But yeah seems like free 4 percent to me
$200k in $STRC stock will give you a 10% dividend that will outperform any HYSA.
I cannot buy STRC or STRK on margin, only MSTR. I put in $2500 to get $5000 buying power just to check it out. But it won't let me buy STRC on margin. Let me know if I'm doing something wrong or if I need to put more in to be able to buy it
Someone tell me if I’m being retarded or not. STRC now listed on Robinhood. STRC is MSTR preferred shares that is meant to act like a money-market fund. Robinhood offers 5.5% margin rates ➡️ take margin ➡️ put into STRC preferreds yielding 10%➡️ pocket the difference and put into BTC. This helps MSTR buy more BTC. Creating a flywheel and essentially prints free money for you while helping MSTR commit a speculative attack on the dollar. Which drives ⬆️price of BTC. Am I missing something here?
Keep your emergency fund in STRC. Problem solved
How did u choose STRC and not the other 2?
Short term cash in STRC. Long term in BTC.
Would she be able to handle that much volatility with her wealth? If she wants to be BTC related, I think STRC is a better option.
I have a combination of Bitcoin and MSTR. I'm 46 and plan to retire in 4.25 years. My immediate plan is to sell my portion of MSTR shares currently lying in a tax advantaged account for one of their preferred offerings, at the moment STRC seems the most suitable option. That should provide me with ample monthly fiat to live day to day. I will still have Bitcoin and also the majority of my MSTR shares in a pension. Again once I hit the age can access my pension here in the UK which will be approx 10 years from now. I will top up my dividends as needed to counter inflation and maybe finally treat myself to that Ferrari (saw an F8 Tributo today which reminded me of why I love them. I will still leave a fair amount of MSTR left there and the Bitcoin which will be the inheritance for my (now 7 yrs old) daughter. I am also investing in Bitcoin and MSTR for her currently to give her a good headstart in life.
I do not trade Bitcoin. If you want to trade something with even more volatility than BTC, try trading MSTR. I would rather trade small cap tech stocks and take those gains to buy more BTC. If you look at the math and the long view of BTC, you are WAY better just going long, never selling, and let it do it's thing. Right now, you can use Fire Fish to lend Bitcoin out in a multi signature, non rehypothecated loan, with a yearly yield of 10.5 %. You can also just back the truck up and get10$ from Strategy with the financial product called STRC. Don't try to strike it rich over night with your main stack. I am a multi coiner and I still stack hard. For non Bitcoin people, I tell them at least buy MAGS and forget about it. I don't consider buying and holding "Investing " in Bitcoin because I am never converting it back into fiat monopoly clown money. By 2034 or so 99% will be mined and it should be way above where it is now. The volatility will be a little lower. It should still be a return above the S&P, or anything else. I think the surprise play is also Ethereum ( way under valued ) Those are the only 2 I have.. I have about 2,000 XRP that I bought at .58 and that will get converted to BTC eventually. Stable coins take the XRP narrative's wind out of their sails. If you want to accept digital assets into your business... look up Forrum pay. Great company.. ahead of it's time
A small amount, but all in STRC or STRF.
I'm pretty heavily in STRC as well. There's a bunch of reasons, but really it comes down to - it pays near 10% annually, it should hover right around 100$ a share for the foreseeable future (and Saylor specifically built levers to keep it that way), and it is _extremely_ safe collateral wise (his preferreds are backed like 10x over by the bitcoin allocation). So basically, you are yielding about 2x what the highest high yield savings accounts pay, and there are _years_ before something absolutely catastrophic could happen where you aren't at least paid out par value. And I honestly can't even think of what sort of catastrophe could be. They are paid out first over common stock in bankruptcy at par value ($100 a share)... I wrote a post: https://old.reddit.com/r/Money/comments/1myzg4b/mstr_preferred_offerings_are_greatly_overlooked/
Why did you choose STRC? Watched saylors recent talk about these from the other week. Still trying to wrap my head around all the products
About 15% and another 5% is in STRC
STRC and keep making monthly payments
STRC and STRK aren't promising specific returns?
STRK and STRC don't count?
I would put $100k in right now and rest into STRC and then DCA $5k -10k /month.
Yes, but there's also a lot more risk involved than in buying USDC, even if STRC isn't that risky.
I’m also buying some of MSTR’s [preferred stock offerings](https://x.com/strategy/status/1955630422236516759?s=46&t=jkCK9wusChTyibpPYP5ZhA) which offer 8-10%. Not as “safe” as US treasury since these could potentially suffer at the same time BTC is suffering but it’s only a small percentage of my portfolio that I am willing to grow over time anyways. If STRC trades below $100 I’m a buyer for the additional yield, if it trades above $100 then MSTR issues more shares to buy more Bitcoin and bring the price back to $100 which then benefits my MSTR shares, I like that deal.
I’m trying my version of a Bitcoin standard through Strike…borrowed my net expenses for the year and dumped proceeds into STRC that I’ll peal off monthly. My paycheck is 100% DCA. I’ll roll/add collateral as needed.
STRC looks like a great place to park funds for the bear market.
Which ones do you speak of, STRC? That one looks decent to park funds during a down trend/ bear market due to it being pegged at $100 and then receiving the 9% monthly annualized return. It's still new though and don't know how it might perform during a bear market.
The retail investor is no longer relevant to the mass adoption story. Its now about hedge funds and government pension funds. They're coming on board. And if Saylors STRC is successful in holding a stable value, stocks like it will begin to suck up capital from the money market and t bill market, feeding it into btc. Next comes major nation states. So those who don't take the time to educate themselves on finance will continue to be less and less relevant.
Just wait until STRC is fully deployed.
Nothing is guaranteed over such a short timeframe. Put it in STRC or something.
I keep an emergency fund in cash /money market funds. I'm also waiting for MSTR's "STRC" to be made available by my broker which I intend to use for much of this emergency fund. I buy BTC that I intend to hold for at least 5 years, probably much longer (e.g. If BTC loans become a more developed /competitive market, I'd generally rather spend via these loans, than by selling BTC).
pfff never sell your BTC buy CEFs (CRF, CLM, special drip at NAV) buy income generators (e.g., ULTY, YMAX, YBTC) buy growth (e.g., SCHG, QQQM) buy MLPs and REITs/mREITs (e.g., ET, USAC, O, MAIN, CSWC, SBR, etc.) buy Strategy preferred (STRK, STRF, STRC) - STRK = Yield Engine - STRF = Stability Layer - STRC = Capital Anchor - STRD = (situational) buy buy buy and hodl after all the years of fancy trading and options trading etc., I have found that these instruments are sufficient and that buy and hold is the best strategy (for me) because it frees up my time but these vehicles still use the same mechanisms I used to trade so now I have more time but keep the yield Accumulation is the name of the game Rebalance when you have opportunities that make sense but accumulate often and sit on it Time in the market beats timing the market Focus on tax strategy Don't follow stupid fads like selling MSTY to buy ULTY just keep hodling the MSTY and ride out the investment while you continue to accumulate elsewhere
Bitcoin adjacent place to put your emergency cash is STRC — I have half my emergency cash there and half in SWVXX. I may move it all to STRC with a bit more history.
Yes, diversify into MSTR and put some money into STRC for any short term cash needs.
Always keep a few credit cards with no balances then hit up a balance transfer offer of 0% for 12-15 months. They usually have a 3-5% up front fee but that’s about it. I’ve been doing it for years and see no point in having an emergency fund outside of maybe 1-2 months of expenses. If you can’t pay the balance transfer offer by the due date then sell your bitcoin at the most opportune time. BTW, put any available cash that you’d normally keep in a HYSA into STRC for 9% a year with monthly dividends.
Check out Microstrategy's $STRC which just launched two weeks ago. It's a preferred stock that's designed for price stability, paying 9% per month to start. It's meant to replace money market funds, bonds, HYSA accounts, etc. I'm using it for short term emergency funds and expected taxes.
STRC should give you 9% dividends.