Reddit Posts
Do you have CEF’s as part of your retirement portfolio?
Ares Capital Q1 earnings strengthen from a year ago, but trail consensus (NASDAQ:ARCC)
5 Dividend Stocks with 7%+ Yield Wall Street Analysts Recommend
5 Dividend Stocks with 7%+ Yield Wall Street Analysts Recommend
Ares Capital Q4 earnings seen climbing with interest rates on the rise (NASDAQ:ARCC)
5 Dividend Stocks with 7%+ Yield Wall Street Analysts Recommend
The Coast is not clear yet! High Tech is still dropping and quickly! Better to trade safe high dividend plays! I know, it is not exciting but it will work until we see greens!
Daily plays, I hope you guys also made some money on my highlight of ALL, Lets keep it up and make money good luck!
Daily Plays, If you bought yesterday's play at my entry point you're making money! if you were lucky enough to buy my 2nd post I specifically highlighted ALLSTATE, the low was 102.55 and closed near 105! Lets keep making money!
Mentions
O pays a monthly dividend and has increased for like 25 plus years, ARCC is pretty much the top BDC company out there and pays like $0.48 dividend like 8% , and SCHD is like the top dividend growth ETF if your wanting dividends look at these, cuz I did like quick math for SELF and to hold 100 shares is going to cost like $536 with a $0.073 dividend so it pays about $7 a quarter you’ll get maybe 4/5 shares extra per year but $536 into ARCC @ $22.50 is about 23.7 shares with a $0.48 divided that’s $11.37 per quarter and in O for the same price you’ll get 9.4 shares that pay a monthly dividend of $0.269 so about $2.42 x 12=$29.05 but it’s a top REIT you may want to look into them but SELF doesn’t seem bad for like extra cash maybe also look in NAT
I’d rather go with O or ARCC, or SCHD
ARCC is the best stock to own.
Keep in mind VOO doesn't grow when the market does badly. And the same applies to the NASDAQ 100 index QQQI uses. But covered calls do very well when the market is dropping or the market is mainly flat with minimal gains and losses. So o er a long period QQQI or its sister fund SPYI (same index as VOO) have a good chance of doing better in the long term. For example take the stock ARCC. by law it has to return most of its earning to shareholders. So its dividned is a high 9% and it has been paying for 20years. IF you compare VOO with ARDC, easily done at [totalrealreturn.com](http://totalrealreturn.com), with all dividends reinvested over the last 20 years ARDC comes out ahead. ARDC performed better than VOO. Why? from 2000 to2002 there loses every years. Then the for next 4 the market was basically flat and then the 2008 crash. The current bull market didn't start until about 2014. But all the goth since 2014 has not been enough for VOO to catch up with ARCC.
30% of your portfolio is in straight up cash (money market), so yes - that's got to be invested at least in something with higher yield and less susceptibility to rate cuts. But with that aside: Withdrawing is more nuanced than accumulating for sure. There are so many ways to structure it. And you ask fundamental questions about your allocation that again, are so open ended that you'll just get a pile of random opinions. It's important to research the asset classes you mention, understand them, and decide what you are comfortable with. The transition from pure growth to a more diverse portfolio consisting not only of stock index funds, but also dividend growth and dividend income securities (these are categories), plus bonds, is a journey - not a simple step. This being said, I'm retired 4.5 years and here's what I do. My portfolio is about 71% equities and 29% bonds, mostly corporate and high yield. There's 4% cash embedded in the 30%. My equities are comprised of 40% growth - index funds and tech - plus 19% dividend growth (classics like JPM, XOM, PG, JNJ, SCHD, numerous others) and 12% higher yielding dividend income (JEPI, ARCC, PFFA, etc.). I have 75 individual securities which is a lot, but I am an active investor who enjoys this as a "pragmatic hobby." I've set up my portfolio so that the total dividend and interest yield approaches a full 4% withdrawal. At this writing it's at 3.75%. In other words, I can pay for my expenses without selling shares. My highest yielding assets are kept in IRAs so that I can decide when and how much to withdraw. My taxable accounts hold a blend of growth and dividend growth. I take all dividends there as cash and have them deposited into a money market fund from which I pay bills. There's so much more to talk about, and I don't want to be overly verbose so I'll leave it here. If you want to explore some good intelligent content on income investing, check out Armchair Income and DividendBull on YouTube. These are mature, articulate investors (not Gen Z influencers).
Anyone else here investing in ARCC and getting calls from them? I think it’s a scam so I don’t let them speak much before hanging up on them mid sentence. Are these calls legit?
Buy what you like and don't be afraid to make changes. I like Verizon and it has a high dividend yield so it was my first stock purchase. Next was ARCC which is a solid BDC. The largest in the US with a high yield. I agree if you aren't having fun you are not doing it right.
ARCC has beeen paying a yield of 9% for about 20 years. They have never missed a dividend payment.and the share price is consistent. UTG is just as old and pays 7% and agin has never missed a payment. This is just an example to show that yield higher yields are possible at minimal additional risk.
Diversification is part of risk management and risk takes various forms. Market risk, risk of default and risk from inflation are your main ones. Lower credit rated bonds have higher risk of default, long term bonds lose value if interest rates increase and dividend and other equity based income has market risks in addition. Short term bonds and money markets are the safest and should be held to cover your short term cash needs, equity based income has market risk but if you can hold for two to five years then you can ride out market swings. I am retired and keep about two years of withdrawals in my safe income bucket, I have most of my income bucket in riskier things like SCHD, JEPI, O, ARCC and smaller amounts in SPYI, QQQI and JEPQ. Tiny amounts in BTCI and MSTY to watch and learn these newer types of investments. I feel the diversity mitigates the risk and my small pension and SS also function as low risk fixed income. Spend some time learning about any investment, don’t just rely on internet self described experts.
Think the base case is too high a dividend can simply be returning principal to the investor ARCC has been paying a dividned of 9% for 20 years and it is worth more today than it has ever been Dividends are not a return of principle Thy are return of small portion of the profits. So a well run company or fund will not see a principle erosion. A poorly run fund or company wills NAV erosion and may eventually go bankrupt.
Well dividends do not always equate returns , a stock could pay dividends but keep loosing value False, ARCC has been paying a dividned of 9% for 20 years. And it is worth more today than when the company started paying a dividend. Also KO has been paying a dividend for 100 years and it is worth more today than it has ever been. And additionally all the index funds you have in your acount pay a dividned.
For Starters the equity market is the the stock market some stocks pay dividends and other do not. Would BANK not outperform XEQT assuming both are using DRIP? Yes it can however there are two things that result in growth dividends, and an increases in share price. Total return is dividends +share price appreciation Now for much of the stock markets history the the best way to get a good total return was to literally invest in everything. So the best investments were index funds that buy all the stocks in an index like the S&P500. it you have 500 stocks you get he average performance of 500 stocks which is about an average of 11% total return. Howeer the market has been changing slowly over time. dividend for many companies are smal which made dividend less attractive due to ther lower total return. But over time new assets have come on the market. 40 years ago there was no options trading. Business development cooperations or llon obligations. These are now available to the avers investor through ETF (exchange traded funds or Close end funds. And these trade on the stock market. And many of these fund or BDC actually pay dividends to be high enough to have a total return of competitive with index funds. Many inv esters don't realize this has happened. For example ARCC is a BDC that started doing business about 20 years ago It has a a9% dividend and not much capital gains. Since its founding it has performed slightly better than the S&P500 market IF all the market corrections (2008 market crash, Covid, and this years correction had not happened the S&P500 would likely be ahead. The only way index funds can stay ahead of ARC is by a sustained continuous Bull market. But that had not occurred in the entire history of the market. And in the last 10 years there have been a number of new covered call funds, these funds use an option known as covered calls to generate income. with these funds you can get yield o 5% or more. There are a couple near 100% dividend yield. then there is OXLC a collateral loan obligations fund that is yielding about 25% Now my personal opinion is that anything with a dividned of 20% may not last form many decades but if you restrict yourself to funds with a dividend of 15% or less you should have a dividend portfolio competitive with growth index fundsAnd since dividend funds tend to do better in bear markets verses bull market i would devote 50% of a regiment portfolio to dividends and the rest growth index funds.
Actually when the market crashes MOST dividned stocks don't cut the dividned. When Covid hit the market lost 50% and my dividned fund lost a lot of value. But my dividends continued to come in unchanged. Same with the most recent drop in april. My dividned income 5K a month and still is 5K a month. You need a really bad market to see a lot of company cutting dividned. I our life the worst year was 2008. If you were a bank you had to stop paying a dividend. But even then a majority of companes still kept paying a dividend. Studies have found the mean dividend drop was only 2% in a recession. While the overall market can drop 30% or more. ARCC is an excellent example. By law it is required to pay a high yield (about9% now. It payed right through the 2008, covid and any bd years since the company was fouded and stated paying dividneds about 24 years ago.
Many people of reddit assume two thing about investing. * People only invest for retirment * that the best return possible is always index funds which pay almost nothing in dividends. which have an average retune of about 10% per year. Both of these assumptions are not true. There are dividend investments that produce returns of 10% or more ARCC is one example. The company has been paying a 9% total return of about 9% for about 20 years. OXLC pays dividned off 24% since 2011. And you can make money trading covered calls indefinitely. SEC only recently started allowing ETF that focus on using covered calls for income. SPYI has 11% yield, QQQI 13%.BTCI 20% Now granted some of these funds have not been around long enough so we don't know if they will last as long as the index funds many prefer. So some dividned ingvestor assume that some of there funds will fail. So they have 20 fund or more for income that way if one fails or has problems it represents only 5% or less of the investments. Fortunately fund failures are very rare. Also not everyone is investing for retirement. So they put their money in taxable accounts so they can access the money at any time. Some people want supplemental income in case they loose their jobs. Others may want enough income to cover bills mortgage payments or other things. Funds like SPYI and QQQI are very useful in these cases because the high yield lower the amount of money needed to reach the goal and these funds take extra steps to lower the tax on the dividends you receive. So the recomendation to use growth funds until you are old is totally outdated advice. Use dividend income whenever it suits your needs better than growth investing. IN my case I was burned out from work and had a healthy retirment fund and had a lot of growth in taxable account. So I reworked the taxable for dividends for income using dividneds I now generate 4K of income to cover all of my living expenses. With another 1K of income that is reinvested to allow my account to adjust for inflation. I retried at age 55. but others have done this at age 40.
With only 4 stocks, hard to grade, but I'll give it a go. I recommended against SPY given the budget, but not because it's bad. It's fantastic, and I'd still take it over Vanguard and Blackrock's offerings in the same space despite the enormous ground those 2 have made. Solid pick even in fractionals, but it doesn't fit your growth needs or make up for that with dividend accruals. Don't sell it now that you have it, of course, but if the budget is the same for 3-5 years, don't let it dominate your portfolio. NVDA is NVDA. Easy pick to throw money at any time between now and 2035. Only up over time, stock of the decade, no notes. ATOS is an interesting value pick. I definitely think it's a bit undervalued. If you REALLY like them, maybe get 3-28 more shares, and hold for a few years. Even if it's a better value play then I give it credit for, there's better opportunities in pharma over the next year that merit more attention. For sub dollars, ELTP is a gold mine as long as stays under 1.50 (ripe for a buyout in 6-18 months is why), but you need a different brokerage (which you're too new for realistically, but you'll want a better one at some point if you don't flame out) because only the big boys like Schwab and Fidelity will let you take a crack at it. And over in Robinhood land, well, I already recommended PFE. It probably won't stay below 30 but for a year or 2 more. AFRM is....there's really no way to sugarcoat, it's a mistake. Some companies, you don't give a damn that they suck on the consumer end - you're trying to make a buck. Others, them being dookie eventually bites their investors in the ass. Affirm is in the latter camp. They suck, AND there's better BNPL plays if you're high on that specifically. Affirm is capped for the future. Hold it for a year, 2 at the most, then dump it for whatever gains you can lock in. Don't get trapped in this one. If you take nothing else away from this: you're on a fine enough start. A safe bet in SPY, a smart megacap growth play in NVDA, and 2 rolls of the dice, one of those being a penny stock. Until you're proven horribly wrong a shit ton and bevome proof of Dunning-Kruger, try to believe in your gut a little bit. That's how the best investors discover over time what they're good at picking, and the sectors where they don't know shit from apple butter. Side note, I actually forgot to mention in my earlier reply what is probably one of the best stocks you could pick up as a budget investor: ARCC. They're a middleman loan company for businesses that's selective about their clientele, have a very good history, solid fundamentals, a sub-25 dollar stock price, and a jaw dropping 8 percent quarterly dividend. They're a bonkers good stock that won't tank, and should basically be to you for your first 3 or so years what SPY is to seasoned investors with bigger budgets. Ares Capital is a phenomenal way to hold money as a broke boy investor and get some value while you sit on it.
ARCC for long term dividend play.
I am thinking of doing the same. I just have normal ETFs and equities in my IRA anyway, VOO, VTI, SCHD, ARCC. I don't touch them that often... except when I get nervous about ARCC and I have been wrong every time. Might as well just make $15k for having them sit at WeBull.
QYLD at these levels adding to already overweight position held covering expenses and RMD along with ARCC,STWD,ABR,OXLC,AGNC. Key point is buying these on dips as dividends paid out melts the NAV . At age 76, retired, willing to take risk in view of reward, I am enjoying the ride. All traded in IRA,dripping and constantly vigilant for opportunities. The power of compounding and the rule of 72 work very well for me!
The rest are long-term/stable holds like BRK/B, EXE (rising energy company), and ARCC (for those good dividends next month).
How can I really have this many swings and misses? Obvious answer you are not good cat evaluating the stocks you invest in. Less obviousis is that you are only investing for captial gains. and very little deversification in your investments. investing in index funds isn't going to help much because you are still investing for captial cains. Have you ever thought about investing for dividneds using ETF orCEF. Dividend funds typically are professionally managed to identify the good and the bad an invest in many stocks. Alos if you reinvest the dividend your money will grow even if the stock price doesn't move. So you don't have to worry about shar price as much. How long a stock needs to double in value is determined by the law of 72. so you take 72 and divided by the yield7.2. So for a fund with a yield of 10%. your money would double in 7.2 years. For exaple ARCC, a BDC. This stock and its shares price has been constantly around 20 dollar with major drops in 2008(The bank crisis) and 2020 (Covid) 52 week high and low is 23.8 and 18.3So other than the market crashes the price is stable. So not much capital gains. However ARCC pays a yield of 9% and they have payed quarterly for about 20 years. Sao if you just bought it and held it for 8 yours you would have doubled your money. Which means they parted the dividend through each market crash. Yield does very a little bit nut not a lot. I have this stock but I am not buying any more. Why it is only one stock. Instead I am buying PBDC that invest in the Best BDCs it can find. It has about 20 BDCs in its holding and pays a yield of 9% this speads out the risk over 20 stocks so it one goes bad you might not notice. I also Have SPYI 11% it invests in the S&P500 and writes covered calls..to convert market volatility. into dividnends. The target yield is 11% but can very a bit. 9% to 13% yields are normal. I now make 1000 a month off of my investment in that und. I have no interest in seeing my dividend stockSs or funds. Yes the protfolio value dropped a lot during covid and dropped some since aapril. But I am making 50K a year of income from dividends. So that is not enough to encurage me to [sell.So](http://sell.So) I will hold them for as long as possible. I will only sell if there is really bad new related to one fund or stock
But the ETFs all have fees attached, which eat into your bottom line if you want dividend income… I tend to avoid ETFs. My fave is DUK, VZ. Am looking into ARCC once this market stabilizes.
Check out Dividend Bull videos on YouTube. Look at the dividend calculator on tipranks and pick a high yield dividend stock like ARCC and see what numbers you get with drip on over two years. You'll be building up alot of passive income. Safer bet is SCHD. I think if you are ok with risk and taxes then consider building passive income. Leave Bogle to your 401k. Just my 2c. It's whar I'm starting to do.
I wouldn't use any of the fund you have listed in your roth. All a very low yield. You could put those in a taxable account and pay almost no taxes. You are wasting the capabilities of the Roth account. I would use funds like PBDC yield 9%, QQQI 13%, and ARCC 12%, PFFA 8% I f all your money in the roth is invested in funds like this the money value of the fund would double every 6.5 year. It could be worth almost triple its current value by the time your retire. And the dividned income it generate couple help you cover most of your living expenses without selling any shares or paying any taxes. Basically at this point in time you should be setting the account to generate passive income to cover your living expenses using dividends fund and bond funds.
I’m not going to post my core shorts for 2 reasons: 1.) they’d look absolutely degenerate if you don’t fully buy into my thesis, so you’d lack the conviction to hold (some 5s rated funds, safe haven’s, etc) and 2.) I bought them cheap in march, they’re expensive now and tbh.:. i’m not confident they’ll payout even if I’m right at this point, fraud is rampant. XLRE/XLF/XRT naked short, regional banks (IAT/KRE), holding companies (BX/ARCC/etc.)… tbh, open the prospects for SCHD, or similar… they’re full of shit co’s I expect to default. Others would take too much explanation, and if you hood a similar belief you’re already most likely in them. dyor, not advice, but enough people upvote I figured I’d throw a bone… but I must emphasize: you need convection in the underlying structural thesis rooted in the credit markets, or else you’ll paper hand these and lose. if it was easy, everyone would be in it. Whatever you do, stay safe.
I'm of the growing opinion that MMs are manipulating it so there isn't a considerable drawdown, which would spook "normal" investors into cash. They can't allow this for a few reasons: 1. Panic selling triggers a crash. No institution was positioned for the 10% drop from initial tariffs—Jane St. had to take out a term loan last week. Now, bid/ask spreads on everything are insane—thousands on each side at every single price point. Every intraday "dip" over 40bps is immediately bought into a reversal. 1. On this point, realized vol > implied vol.... Does a negative GDP print, empty ports, mass layoffs, rising withdrawals from 401ks (all documented, Google), and absolute chaos about anything, even near or mid-term.... Does VIX @ 25 seem optimistic here? Those dip buyers look more concerned about keeping VIX low than their DCA, lmao. 1. There is a massive disconnect from basic data points, such as foreign capital having fled US markets by 15%+ over the past few weeks (Google, a lot of coverage). So, where is that capital outflow being reflected in prices? It isn't. The outflows are documented, but where is their market reflection? 1. Privates (equity, credit, real estate) are distressed due to rising default rates and forced liquidations by endowments. It's so bad that [APO/BX/CG/ARCC](https://www.bloomberg.com/news/articles/2025-04-30/apollo-carlyle-buy-first-srt-tied-to-loans-to-private-debt-bdcs) and [D.E. Shaw](https://www.bloomberg.com/news/articles/2025-05-01/d-e-shaw-raises-1-3-billion-for-fund-targeting-risk-transfers) are raising capital for SRTs. This can't possibly be interpreted as anything other than banks being in serious trouble. Are those car loans and credit card balances with record missed payments [starting to catch up](https://www.bloomberg.com/news/articles/2024-05-01/rent-the-balance-sheet-banks-seek-ways-to-skirt-capital-rules)? Meanwhile, DFS/COF at ATHs....k. 1. You have a syndicated leveraged loan market - private loans held @ 50:1 [leveraged CLOs](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans), with a default rate of \~5.6% in Dec'24 (COVID low was \~4.4% for reference), showing further [record distress](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans) in April. Managers of these assets “print and sprint” the non-securitized/warehouse secondaries they hold because AAA traded below 1:1. Totes normal. 1. It is not getting enough coverage, but [Endowments ](https://www.reuters.com/world/us/harvard-university-exploring-1-billion-private-equity-stakes-sale-bloomberg-news-2025-04-24/)are forced to sell PE holdings due to Trump's tax threats. This is not getting the coverage it deserves because it will force liquidity and price discovery events to cascade across the private markets. So the.... you'd think, bad news listed above.... not priced in? Absolutely none of it? OK... let me continue.
Tin foil hat, I know... but here me out: I'm of the growing opinion that MMs are manipulating it so there isn't a considerable drawdown, which would spook "normal" investors into cash. They can't allow this for a few reasons: 1. Panic selling triggers a crash. No institution was positioned for the 10% drop from initial tariffs—Jane St. had to take out a term loan last week. Now, bid/ask spreads on everything are insane—thousands on each side at every single price point. Every intraday "dip" over 40bps is immediately bought into a reversal. 1. On this point, realized vol > implied vol.... Does a negative GDP print, empty ports, mass layoffs, rising withdrawals from 401ks (all documented, Google), and absolute chaos about anything, even near or mid-term.... Does VIX @ 25 seem optimistic here? Those dip buyers look more concerned about keeping VIX low than their DCA, lmao. 2. There is a huge disconnect from basic data points, such as foreign capital having fled US markets by 15%+ over the past few weeks (Google, a lot of coverage). So, where is that capital outflow being reflected in prices? It isn't. The outflows are documented, but the market reflection of them... where? 3. Privates (equity, credit, real estate) are distressed due to rising default rates and forced liquidations by endowments. It's so bad that [APO/BX/CG/ARCC](https://www.bloomberg.com/news/articles/2025-04-30/apollo-carlyle-buy-first-srt-tied-to-loans-to-private-debt-bdcs) and [D.E. Shaw](https://www.bloomberg.com/news/articles/2025-05-01/d-e-shaw-raises-1-3-billion-for-fund-targeting-risk-transfers) are raising capital for SRTs. This can't possibly be interpreted as anything other than banks being in serious trouble. Are those car loans and credit card balances with record missed payments [starting to catch up](https://www.bloomberg.com/news/articles/2024-05-01/rent-the-balance-sheet-banks-seek-ways-to-skirt-capital-rules)? Meanwhile, DFS/COF at ATHs....k. 4. You have a syndicated leveraged loan market - private loans held @ 50:1 [leveraged CLOs](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans), with a default rate of \~5.6% in Dec'24 (COVID low was \~4.4% for reference), showing further [record distress](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans) in April. Managers of these assets “print and sprint” the non-securitized/warehouse secondaries they hold because AAA traded below 1:1. Totes normal. 5. It is not getting enough coverage, but [Endowments ](https://www.reuters.com/world/us/harvard-university-exploring-1-billion-private-equity-stakes-sale-bloomberg-news-2025-04-24/)are forced to sell PE holdings due to Trump's tax threats. This is not getting the coverage it deserves because it will force liquidity and price discovery events to cascade across the private markets.
ARCC is not closed end fund. It is a business.
ARCC-tomorrows earnings reports I've been a long-time dividend collector on this and sold right before the major tariff dump....Analists say there's bearish direction for this investment. I left 30 shares, but I'm thinking of buying in...what would the hive mind say about full-port buying?
Open-ended mutual funds (i.e."mutual funds") rebalance each day, so the share price is generally not far from the NAV. However, the share price of closed-end funds (e.g.ARCC) is decoupled from the share price. These funds publish their daily NAV value on their website or using a special ticker symbol.
I maxed out my Roth for the year as well. I deployed much of my free cash on this sell-off. I‘m going to retire in 3-years, so I’m concentrating more on building my dividend revenue stream. I didn‘t add much growth during the last few weeks. Positions I started / added to: EPD/ARE/BIP/BEP/MSDL/ARCC/PRU These were great sales, so happy I got these bargain prices.
First off, congratulations on saving that much over that short amount of time. Very impressive. As for investing, there are a few routes you can take. If you want safe cash flow, you could create a treasury bill ladder using the treasuryditect website. Alternatively, if you want to collect regular payments via dividends, you could invest in SCHD, SCHG, O, ARCC, DGRO, and others. All of those are quarterly dividend payments to my knowledge, so you'll collect on March 31, June 30, September 30, and December 31. You can use tipranks.com or Google dividend calculators to determine how much in dividends you will collect. Lastly, you could put the money into a high-yield savings account (HYSA), but be warned that the banks can control the interest rate month over month. You can Google or go on nerdwallet to see which banks have the best HYSA interest rates. One final note: be careful investing all of your money, just in case you need emergency funds for personal / business matters. Maybe invest in the above options with $50k - $100k first to get a feel of what you're doing. DM me if you have any questions.
Needs some JEPI, ARCC and SPY.
The S&P500 does have a total return average of about 10%. Most of the retune is from growth in share price and a small amount from the1.3% dividned. Problem is. In a bear market the growth can go negative for multiple years leaving you with just the dividned plus inflations. or about 4.5% per year. Which was the average earning of the lost decade of 2000 to 1010. Other investments are mostly dividneds and little growth. ARCC is a good example. of mostly dividned total return. Most people don't just depoist 7000 and leave it there until it gets large. Teh do a regular monthly or yourself deposits to to help the growth. Dividends are taxed in the year you recite ve them. So minimizing taxes is helpful. So 401Ks and IRAs and Roth abounts are helpful. But these account also place depiosite restrictions or early withdrawal penalties. So if you want to use the money in short time you might wan to use a gala le account instead. IF you won the loser you might be able to fire depending on how you invest the money, the size of the winnings, and your living expenses, a 1 million winning after tax would be about 600K after tax which would not provide enough income to cover living expenses for some people.
I definitely heard of ARCC, and I'll check out TSLX. Thanks 😊
QYLD is a covered call ETF. It lost 18% of its value over 5 years. If you're looking for dividend and at least some growth, take a look at TSLX and ARCC. They've had a yield of roughly 9% while growing a bit.. Make sure there's a prospect for future growth/dividends before buying though. Past data might be deceiving.
Yeah and I moved out of ARCC to it yesterday at close. Maybe i should just by 🌽 
$10,000 in QQQ / SPY puts, $6k in SQQQ, the "can't lose it" money was moved from ARCC to TLT, and NVDA insured with puts
There is already strange twists to this downturn that may forewarn of trouble. \-The long bond yields have risen sharply - with the most vol. since Covid. They should be sinking as money seeks safety. \-The muni bonds market is tanking because there are no bids. Nuveen CEF Muni funds dropped 3% today - muni bonds! \-Good income stocks - say ARCC - have not recovered after a brief morning rise. I think foreign money is draining from the system as escape the Orange Menace.
I got lucky I had a good chunk of my savings tied up in stocks including my college funds in a tax advantaged brokerage account that I had recently transferred to my control. Only thing I didn’t sell at its max was 1/2 of my ARCC shares as I was hoping they wouldn’t be effected but after Tarifs it crashed and I lost what ever profit I made on that 1/2. Reinvested in bond etfs and am going down to the bank to buy some old fashioned physical bonds today.
Yeah, BDCs too. I've been DCAing MAIN/ARCC. Waiting for a better indicatiion of a bottom or start of a big rally to get in big.
Im 100% on 7 figures and less than 15yrs from retirement. Im waiting for $ARCC to bottom and lock in a 18% dividend forever. It hit 24% in the last big crises.
Looking at the data, the US stock market, especially tech and small caps, have to fall further. BUT the US stock market has the ability to completely ignore facts, which could mean that it recovers and then comes down later. And Trump is so erratic that I wouldn't rule out that he does a 180 on his current course. But all in all, I am bearish on US stocks. The DAX has to cool off first. I expect it to come down slightly in the next months before rising again. However, I have access to the research if the DZ Bank and they changed their projections to 24.000 points in June and 26.000 points end of the year. Before they were at 19.500 June and 21.500 end of the year. After the 'Sondervermögen' in Germany, they changed it. Nevertheless, the best chances right now are found in German and European small caps. Look at the charts of the SDAX or für ETFs for the European small caps. They are still far below their 2021 highs, in contracts to the S&P, NASDAQ or DAX which are all far above these 2021 highs. I like your allocation (especially the put on Apple, it's a rare sight). But I think I wouldn't allocate much money on bonds right now. Both in the US and Europe (especially Germany) current developments are currently indicating higher for longer interest rates. This could hinder long-dated bonds from gaining in price. But it depends on how and in which bonds you invest. I think a good way right now, besides European and German small caps, is a dividend and credit approach. Dividends from good companies will even flow in times of stagflation. BDC's (business development companies) are generating money through credits and are paying high dividends. They are positive for the year. They only suffer if there is a deep recession. Not 100% safe though. I like ARCC and CSWC, but there are also ETFs for BDCs specifically. I would definitely not invest in stocks that are dependent on the consumer and make most of their revenue in the US. The US consumer is cracking down like crazy right now. Sorry for typos and grammar. I am not native in English and am in a hurry right now
May be a bit repetitive so run fund overlay on JEPQ and SCHD .. maybe ARCC. There will be some overlay between WQQ and SCHG (Lg Cap Grow), but the latter will contain banks-financials that QQQ doesn’t list/possibly REITS, so run it through overlay to see what you’re getting. More a you call it if you want to reduce financials in the large growth arena. Probably go with a tech index vs actively owned ARKK. Also run O through overlay to see what REIT exposure the non-QQQ ETFs have.
Yes but look at a 10yr chart on ARCC. Catch the low and you can annualize 22%. A fund of BDCs wouldnt sweep this low
Defnitely no to ARKK. If you have a long-term time horizon, no to O/ARCC.
ARCC is a BDC (Business development cooperation) with a yield of 9%. PBDC invest only in the best BDCs about 20 and have a yield of 9% and more deversification. the just one BDC.
ARCC has good divs (8-11%) and is a very strong company. I’d go with that over JEPI/JEPQ/QYLD and similar type funds that were recommended. I think this would help your goals except for the monthly div - its quarterly.
Try $ARCC. DCA into it. I have $100k there and its doing 14% annualized for last 8 yts. Also Fidelity Contra fund
7% yield is hard to get you're going to want to look at specialist income investing for that. You're going to need to examine BDCs like ARCC and HTGC, covered call funds like SPYI. Even dividend growth funds like SCHD are not going to be enough for your needs.
Leaning towards keeping SCHD. I just sold my $O and added to my SGOV holdings. Held out some cash until I decide what to do with it. True CDs would become riskier f FDIC when away. I also have ARCC that I'm going to sell about 1/3 of holdings, and put in SGOV and cash. Thanks
ARCC which is a high dividend yield BDC, a high dividend utilities closed end fund (UTG) and COKE
ARCC - div yeild over 7% JEPI - like SPY with dividends and less volatile, 7%ish and the upside is it pays monthly Most of my port is in those two for now
Replace some of the pcash with a mix of the following: FLTR, GSY, ARCC, BXSL, FSK, PBR.
mathematically yes the share price drops. But in reality the drop that is observed is TEMPORARY it return to its regular trading range within a few days. ARCC has been paying 9% yeild for about 20 years and the share price has been stable at about $20. The dividend comes from the profit the company makes. In a good well run company the money payed out is quickly replenished.
Keeping an eye on RXRX, LUNR, ASTS and ARCC. Still shorting TSLA with all I've got tho so can't really make any plays
\+1, [ARCC](https://holdings.web.vanguard.com/holding-details/367785020111630?positionId=439569437114317) & [BXSL](https://holdings.web.vanguard.com/holding-details/369655106160457?positionId=859612437114153) for example.
You need a dividend yield of about 5%. So hunt down a mix of high yield stocks like ARCC with dividend growers like MSCI to average out at 5% and you will get $100k cash in hand per year without having to sell stock and the income will grow over time.
Yes you are overreacting. To time the market you have to get it right TWICE. Once getting out and again getting back in. Lets suppose you sell now with the S&P 500 at 6070 and, next week somebody looking at the same news, says, the biggest danger Apple, Google, Amazon and NVDA were facing was Antitrust and in Trump administration is gutting consumer protection and their justice department just does not care. You might be a centrist feeling edgy about current President and others are thinking, he might be bad for some but will be good for Banks, Oil Companies, and most of the Mag 7. If you sell now and the market heads up to 6500, you don't get back those gains you missed and you realize capital gains NOW. If you are anxious do not sell all of your equities. Reallocate 5% of your VOO into a S&P 500 equal weight, and put some new cash that you would otherwise park in the S&P into a less correlated asset like ARCC, BXSL, FSK or even short term debt ETF like FLTR. An aircraft carrier does not turn on a time, and neither should you. If the market goes down 20% buy quality when it is on sale, but I think the worst we could see in 2025 is the Dow going back down to 40,000.
**Sorry, we couldn’t find that ticker ARCC. Maybe it doesn’t have enough short interest to get ranked by SqueezeFinder, or maybe it’s an IPO.** (Short Interest and other values updated daily – Price, Borrow Fees, Social Rank and Share Availability every 30 minutes) *No ETFs, OTCs or Mega Caps, pls 🙂 If your ticker isn’t found, it may have below 1% Short Interest. Some fields may be blank for tickers outside the Top 50 or so*
If you want an ETF holding very short duration debt so that you get have very little share price volatility (not as good as a money market with constant $1.00 share price but close) that throws off a yield in the 5.5% to 6% zone look at GSY and FLTR. If want a little more risk and higher yield put a $125k of your $500k into a mix of business development companies (BDCs) like ARCC, FSK, and BXSL that yield in the 8% to 11% range.
Seriously? Buy JEPI or ARCC or something But this is a casino, so please buy some options or get the fuck out
Preferred stock with high dividend yields, bonds, high yield junk bond etfs with long track records, utility companies, BDCs, materials companies are all defensive investment approaches that work for different reasons. Most of these trade within a narrow range so they hold their value in a down market plus have high enough dividends that you can still get growth if you reinvest them. These are especially good in an IRA. They are defensive investments that usually outperform bear markets. Because I am relatively close to retirement I have one of my Roth IRAs entirely invested like this (in UTG, ARCC, MCI, and PTY). It still did over 10% last year. It is unglamorous but will likely double in value over the next 8 to 10 years and then provide significant tax free cash flow from dividends in retirement. The last chapter of investment requires different strategies than the earlier ones because you don't have enough time to recover from a black swan event if you aren't diversified between offensive and defensive strategies.
This, This right here, is why most of my port is in boomer shit like JEPI and ARCC Its to keep my money safe... from me
Yes the stock price can change a lot in a short time. But the dividned payout is generally very stable. During a major recession the dividend payout of the S&P500 has a mean average drop of about 2% verses the 20 to 30% share price change. Take a look lathe the star price history of ARCC a dividned stock. Fro 20 years it has been around $20 per share. Yet thanks to its dividneds its total return is about 9% for that 20 year period.
These regards have helped me *gain* money this year ARCC, KULR - good options strats, all courtesy of the regards here at WSB Ports up over 70% for the year Merry Christmas Reagards 🎅 🎄
Look up tickers like ARCC (own it and love it), JEPI, JNK - i think they all yeild over the margin rate I'd dump it all in ARCC but they pay quarterly and interest payments are monthly. Thinking about JEPI but that's more market exposure and depends on how good SPY is doing
Relistate (Reits are required by law to return most of their earnings through the dividend. So the wild is higher. BDCs (Business Developers companies) loan or invest ing developing companies. They also are require3d to return most of their earning through dividends. PBDC is an ETF that invests only in BDCs and has a 9% yeil. you could invest in the ETF or you could buy individual stocks of the companies that invest in. BIZD is a similar ETF but pays a slightly higher dividned. Note the SEC requires BDC fund list their expenses plus the expense the BDCs may incur. Typically expenses the BDC incurs are handed by the company and not passed onto the fund. As result of this PBDC list its total expenses at about 13%. But if you exclude ether BDC incurred expenses the funds expense are 0.75%. all the issues int With all the issues in teh realistic isalistate today bdcs might be a better choice. I have gotten good result with ARCC and recently added PBDC to my right.
i love JEPQ. it is my largest position at 1,903.569 shares. i also have 900 shares of ARCC, and it has done very well for me.
Good question. I think that ultimately comes down to personal preference. I do have JEPQ, ARCC in my portfolio as well but I actually enjoy trading options and being able to actively managing my positions while also taking advantage of opportunities that come up throughout the year based on news, etc.
Take at least $35k and put it in something like ARCC to collect dividends for the next couple of quarters, then withdraw it to pay the taxman (try to stretch out your taxes to June / Oct so you can collect as much as you can before giving it back). Take 55k put it in VOO. Gamble with remaining 10k.
You could use the 75 dollar to buy at least 2 shares of the following companies and get a higher yield than you were likely getting at the banks: 4.65% yield T (AT&T), $23 a hare 4.6%yield ARCC $22, 8.64% PFFD $20, 6% SCHD 28% 3.31% FAGIX $10, 5% There are little hundreds of low cost dividend funds with a decent yield that is has as good or higher yield US than US bonds or bank interest.
At first, I went crazy for high-yield dividends, wondering why everybody wasn't doing it. Then stock after stock cut their dividend and went into terminal free fall. Read some more and came to realize there's no free lunch. What dividends give, falling share prices take away. I now have my portfolio divided about equally between growth (VOO, VGT, JEPQ) and dividends (JEPQ again, ARCC and CSWC), which have generous yields AND moderate growth. I'm clinging to dividends as a security blanket against the possibility of a bad market turndown. I find [https://totalrealreturns.com/](https://totalrealreturns.com/) to be a valuable tool for comparing stocks and funds.
I've worked ever since I was 18 and invested most of my money in assets, stocks, forests, etc. Now I'm finally working at a mon-fri day job and I'm making the same money that I made when I was working day and night as a nurse. Indexes all the way, N100 and SP500, with some stock picks making up 10% of my portfolio: LMT, KO, PEP, O, MAIN, ARCC, HTGC. Forests make up 20% of my money, and there were some arbitrage opportunities in forestry assets last year.
Vanguard. Start with VOO (S&P500 index fund), add VTI or other broad market choice, if you like. I personally think most of those just duplicate VOO. I'm carrying a lot of VGT which is outperforming VOO because of the current tech boom. You might try some dividend stocks, although some say they don't provide as good total return because of slower growth, if any. After a lot of anguish, I've reduced my dividend holdings to JEPQ and ARCC. Read as much market information as you can, learn as you go with small amounts. Good luck!
Unless you can lock in a higher rate (not variable) it doesn't seem worth it to me. I go after dividends instead. Check out ARCC and OMF Getting a hard copy mailed and other details really depends who you are working with.
The top holding of this fund is ARCC which I invested in about 2 years ago. This companies has been paying a 9% dividend for about 20 years. The company started doing business about 25 years ago. I added PBDC to my portfolio recently. abouta mot BDC and REIT are required by law to return most of their earnings as dividend. I believe is is just as safe as I think it is a good investment.
SCHD + FXAIX + ARCC + O + BRK.B is my retirement account plan
Good luck finding anything that has consistent growth AND meaningful dividends. It seems to be an either/or world. I'm in my first full year of investing myself, but I've been listening to a lot of advice. Right now I'm keeping about 60% in VOO and VGT, 30% in JEPQ, CSWC and ARCC, which pay 9-12% divs and have a little growth. Your mileage may vary.
You don't need anyone to tell you how fortunate you are, not only that you inherited young but you have a mature outlook regarding the money. I hope you're getting other advice besides from Reddit. You don't say how much you have available to invest, but it would have to be pretty substantial to provide enough income for the kinds of RE investments and property management that you anticipate. Most of us are just happy to have a portfolio that grows 10-12% a year over our working lives without drawing anything out, and then enough income to supplement SS through retirement. So we basically stick to SP500 ETFs and the like. In your case, you might try JEPQ, CSWC or ARCC, which pay fairly high dividends and also have some growth.
Not sure. I’m just wondering why I held on to it for so long. Could have put it into something like ARCC and made more money along with a 8-9% dividend
Of course: Ares Capital Corporation (ARCC) is positioned for potential upward movement today, driven by its attractive 8.9% dividend yield and positive investor sentiment towards stable income plays amidst declining fixed-income yields. The stock has shown resilience, with recent candles indicating a consolidation phase around the $21.60 level, supported by a bullish MACD histogram and RSI values in the mid-50s to 60s, suggesting moderate buying pressure. The broader market's cautious optimism, particularly in sectors like technology and healthcare, may indirectly benefit ARCC as investors seek diversified portfolios. Given the technical indicators, an entry at $21.60 is advisable, with a first price target of $21.80 and a second target of $22.00, while setting a stop loss at $21.40 to manage downside risk. Confidence in reaching the first target is high due to the stock's recent stability and positive news, while the second target carries moderate confidence, contingent on broader market support. Overall, ARCC's strong fundamentals and technical setup make it a compelling buy for today's session.
the primary attraction of REITs is the high dividend inc one. This can be used to provide living income or be used to proving more money depoists into a retirement fund. The High dividend is due to a tax law. REITS are required to return most of their income as dividends. This tax law also effects other business, notably Business Development Corporation's (BDCs). REITs are being impacted by the Covid. Many businesses closeted their offices and had people work from home. There are still a lot of empty office buildings. Which is lowering the performance of REITs. The high inflation rate is also impacting REITs BDC loan money to smaller companies that are growing. COVID has had minimal impact on these companies. I have ARCC stock which has a dividend d of 9%. And it has been paying a high yield for about 20 years. There are also ETFs that invest in BFDC (BIZD and PBDC).
For pure cashflow generation on a $5M NLV account you may consider a "cashflow ladder" with mix of different income generating securities. For me that consists of SNSXX (or your favorite tax favorable Treasury bill MM) ARCC, SEIX, IBHE and use CC / CSPs on a small basket of stocks to "ice the cake" with rate of return. Blended I am making 6.73% Tax Equivalent Rate on the following. Core Positions: SNSXX (60%), IBHE (25%) Supplemental: ARCC (5%), SEIX (5%), CC / CSP (5%, I write on F and NVDA) On $5M a 6.73% rate nets \~$28k per month (pre-tax) and $336k / yr according to my calculator. If FOMC continues to drops rates, my plan is to rebalance a bit of the MM into JAAA.
It sounds like you're mostly concerned with income, so you should look into the income ETFs like JEPI/JEPQ , some BDC companies like ARCC, and maybe some REITs.
I'm thinking about going mega regard, selling all my underlying except NVDA and ARCC (taxman) and just go raw dog on options trading I just know however that could lead to the dumpster with a 99.999% chance of certainty
https://preview.redd.it/6fvowipat5wd1.jpeg?width=1290&format=pjpg&auto=webp&s=fe6fa9ac0a0444b68d09499acf83937bbe6d10d2 Me too! I’m thinking about selling my system now! 😂 Can anyone guess what I “daytrade”? **some of this is also VOO, MO, ARCC, BYI**
This risk is dependent on what you invest in. Dividend ETF have a much lower risk of capital gains loss than low dividend ETF like VOO. I invest some of my money in PFFD with a yield of 6% but the share price since I bought it 2 years ago. is consistently within 2 dollars of what i bought it at Or look at ARCC share price has been about $20 for about 12 years and yet pays a dividend of 9% The only major drop is stock price were the pandemic in 2020 and the bank crisis in 2008.
My Roth is all High div stuff. BAM, WPC, ARCC. I’ll hold and drip until my 90’s when my other money runs out from my traditional IRA and brokerage accounts. Social Security will pay for discretionary shit if we even get any.
SPLG is an index fund. It's an S&P 500 index and roughly equivalent to VTI (just missing small and mid cap). SCHD is just a bunch of companies that pay dividends. For reasons we've talked about already, there's no reason to prefer dividends. >EPD, BIZD ETF, ARCC, PBDC. ETF I didn't go through all of them, but these aren't even all ETFs, some of them are individual stocks. They're certainly not equivalents to BND. BND is just an intermediate term bond index. BND does not issue a K1. The expense ratio is also tiny. This is the kind of shit that makes me worried for you without an advisor, you're overcomplicating the hell out of this and don't seem to really be aware of what you're looking at. I'm telling you, you can build a very tax efficient and effective portfolio with just the three funds I listed. VTI is just every publicly traded company at market cap, BND is an index of all intermediate (10ish year duration) term bonds in US, VXUS is an index of all public international stocks. All you have to do is choose your percentages based on your risk appetite and whether you want to hold international stocks.
Thank you for your input. Thanks for clarifying the function of a dividend. Correct me if I am wrong about dividends - the research that I have done that if a dividend payout is high for individual stocks that is a sign the company is not doing well and there is debts. I have a couple of ETF and not index funds such as SCHD and SPLG. I have research BND and some BND required a K-1 tax form to be completed for tax purposes. I was researching EPD, BIZD ETF, ARCC, PBDC. ETF There are some BND where completing K-1 is not required. The expense ratio is high for the BIZD ETF and PBDC ETF.
It's called Total Return or Time Weighted Return and you are correct, Schwab doesn't show this anywhere. The Gain/Loss column shows only the increase or decrease in share price, ie, how much the value of the shares you bought has changed. This is incredibly deceptive and unhelpful. Example: I bought ARCC a couple years ago at $20/share. Today, ARCC still sits at $20/share, so a cursory glance at Schwab shows that ARCC is a loser, has done nothing for me. The reality is ARCC has been paying me dividends at appx 9% each year, and its record exceeds other Blue Chip stocks that increase 5%/year in NAV but pay only 2% dividends. I've been looking everywhere for a simple software program or portfolio management tool that reflects TWR or Total Return. I haven't found one yet.
Exactly. The dividend of the ETF pays much higher than to buy the ARCC individually.
Thanks for posting the stock PBDC. This stock have the holdings of ARCC, Main that I was looking for without buying them individually.
Blows ARCC out of the water