EMO
ClearBridge Energy MLP Opportunity Closed Fund
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BECAUSE TONIGHT WILL BE THE NIGHT I 4 FOR 4 YOU!! Anyways bullish on EMO Wendy’s!!
$EMO.V / $EMOTF Looking at a 10x+ in the next year DD
Emerita Resources provided an update with their second hole while it moves further strongly.
Emerita Resources provided an update with their second hold while it moves further strongly.
Penny stock holdings of Paradigm Market Research Inc
EMO.V - Emerita Resources Corp has huge potential for a nice take off 🚀
$EMO Emerita Resources isThe Great Bear Resources of the Polymetallic sector. 20x potential, 1.1 Billion ozs Silver Equivalent at 411g/t
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The deposit limit 7500 a year Now yes if you can increase the money going in you can have a larger retirment fund in retirement. Growth index funds do from titmice to time have 20% gains in a year. but the long term average total return for growth index funds is 10% Historically any good dividned fund with about 10% yield will over the long term do as well as growth index funds. And there is no limit on dividend income into a roth. So if you invest in finds like QQQI 13% yield, EIC 11%. ARDC 9%m, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7% the dividends flowing into the account can be much larger than the yearly deposit. I currently have 500K in my roth and due to income limits I cannot deposit any money. But the dividend income into the accoutbnb is currently 50k per year. That is 6 times higher than the current deposit limit. Meaning my protfolio is growing as fast as what you would get over the long term with growth index funds.
$EMO.V, administrative court ruling on Aznalcollar on the short-term and updated MRE + upcoming PFS for IBW in the mid-term.
If you look away from money market accounts, HYSA, and government bond funds you can get dividend funds that have yields of 5 to 10%. Dividend are cash payment made directly into your brokerage acount. You don't see the dividend stock together the money. I a retired and living off of my dividend inomt of 5K a month. Funds I am using are QQQI 13% yeild, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4% JAAA 5.5%.
Maybe it makes sense to direct new money toward a solid international ETF, plus a small emerging markets sleeve for diversification. I like keeping exposure to financials through something like XLF, and energy through FENY or XLE. Adding an MLP fund for midstream exposure also makes sense, I’m own EMO and MLPX.
for starters Exchange traded fund come in my different varieties. you are currently investing in grwoth index funds. There are also many ETFs that invest in government bonds, corperate bonds. loan obligastions, and funds that specifically invest for dividends. And all of these make cash dividend payments to you on a quarterly or monthly schedule. While growth index funds produce a lotto growth they produce a tiny dividendOf 1%. ARDC, PBDC, EMO, or AC RE are all funds that pay a dividend of 9% or more. Much higher than the interest of high yield savings account. With your current investing stratagy what is the one thing that limits your ability to grow the protfolio quickly? Money! after all our bills and living expense most have very little left to invest. If you put dividend funds in your account you can use the dividend to buy more growth than you can currently can. Also in a taxable account you can use the dividend income to cover regular monthly bills. I retired early at 55 with 5k a month of income from my ETF and CEF funds. I was late to realize what dividends could do. If I had learned this 10 years earlier I could have retired much earlier. Now there is down side. You ow taxes on the dividned received. But it is almost always less than 34% of the income, and is for many people taxed at 24% or less. Do you know of anyone that has turned down pay raise due to the additional tax?
There is a r/ fire sub were people discuss investing for retiring before age 60. Age 60 is a required retirment data. it is just the date that the retimrent funds open and allow withdrawals without penalty. You don't need to use a retirment account. you can use a taxable brokerage acount with no restrictions on deposits and withdrawals. Yes you owe taxes when you receive dividends or sell stock. So investors need to understand taxes and learn how to estimate the tax impact. But beyond that you can retire using a taxable account. After I started my retirment fund and set up a saving account. I started investing in growth. The idea bing that if Islet my job I could sell it off for additioanal income. Turns out I worked 32 years at that company before I retired. So I had amassed substantial ammount in growth. I then learned about dividends So I sold off much of the growth and reinvested that money for dividneds, At 55 i retired with 5K of of dividend income. If I had known about dividned income I possibly could have possibly retired 10 years earlier if I had knowns about dividends earlier. I am still a few years away from 60 so I am moving my 401k into my roth and investing specifically for dividends. Using fund like QQQU 13% yeild, ARDC 9%, BPBDC 9%, EMO9%, CLOZ 8, UTG 7%, and UTF 6.4%, and JAAA 5.5%. currently I am getting 5K a month from dividends from the investments in the roth. which is being reinvested . I you take these same funds sandpit them in a taxable brokerage account and build that up you could get enough income to retire when you want. I would recoment you read the book the income Factory and look at armchair income on youtube.
For those wanting to retire early by selling stock for income the recomendation is to have 25 time your living expenses. for dividned you could get buy with about 2.5 times living expenses. The key is to aim for yields of about \^% to about 12%. I'm using funds like QQQI 13% yield , EIC 11%, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4%JAAA 5.5 % for dividend income For more fund ideal look at Armchair income on youtube. He is investing exclusively for dividend income in retirment.
don't restriction search to funds with the lowest expense ratio possible. You only need to exam the expense of the fund when you are looking at 2 or more nearly ideentical funds. So by restricting the search to the lowest expenses you got a list of mainly growth fund. Growth funds are very good. Since they only follow an index they are so simple computers can do most of the day to day operations of the fund. Leading to low extremely low expenses. some specialty funds Lime MLPS and BDC dividned funds will probably be excluded. MLPs funds have to deal with K1 tax forms which tax processing fees to the expenses. BDC are subject o a flawed SEC rule that requires them the add associated expense to the funds expense. The funds never pay this expense which is about 13%, PBDC has a yield of 9% a real expense of o.7 and BIZD 11%yield has real expense of 0.4. Yet PBDC has the higherI total return. It is not ideal to have a protfolio of just grwoth. Retirement account have deposit limits. which will limit the size of your portfolio by the time you retire. Having some high dividned funds in there will add cash flow into your account beyond what you get with just growth funds or gobvernment bond funds. I have PBDC, EMO both 9% yields in and QQQI in my portfolio for this very reason. The high dividend yield from these funds early exceed the $7500 deposit limit of my roth. The higher cash flow into the account allows the portfolio to grow faster.
Must be friday All the anti dividend /Passive income people have spammed this post. yes safe bonds and HYSA don't pay much in yields. But there are dividend funds that pay much higher yields. QQQI (A covered call fund) for example has a 13% yield. Not the highest yield available from cover d call funds but It doesn't have any of the problems the higher yield funds have. 4.5 invested in this fund will produce $585 a year not much. But is you deposit 500 a month for 10 years you will have 125K and the yearly dividend of 16k a year. A little over 1K a month. And you pay less taxes on the dividends so it is a tax efficient fund. The key to high dividend income is to consistently depositing money every month to build up a large portfolio. Not covered call funds are not the only choices In addition to QQQI I have ARDC 9% yield, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4% and JAAA 5.5% I have these in my roth and they are currently pumping about 5K a month into my roth. I also have some in a taxable brokerage account so I can access the cash now.
Well if you 5years away from retirment I am going to assume you have built up quit a bit of money in retirment. Why not take 150K and invest that in dividend funds to generate the 15K a year. This close to retirment you should be making plans on how you are going to extract money from your retirment accounts. If you take 166K and invest it in ARFDC 9% yield, PBDC 9% yield, EMO 9% yield they will generate 15K a year of cash inflow into your account That way your retimrent account would still grow by 15K a year.
At some point people need money from their investments. Now you can sell for income or invest for dividends. I am 55 and my current dividend income is 5K month and I retired and that covers my basic living expenses. By age 60 when I have access to my retirement account I should have 10K a month of dividned income. My dividend investments right now are QQQI 13% yield, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4%, JAAA 5.5%
I have batch 30% yield, QQQI 13%, SPYi 11%,EIC 11%, ARDC 9%, BPDC 9%, EMO 0%, CLOZ 8%, UTF 7%, UTG 6.4%, JAAA 5.5%
from what I see SPYG and VIoo are very similar They both use the same index but SPYG use only stock in the index with the highest growth. SPYG is going to be harder in a downturn. I would go with VOO and VXUS. individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? For defensive I would invest in dividned funds. That way when the market crashes and you have no cash your dividend funds would provide some income to invest when the market is down. I would invest in fund that invest in companes that pay a higher dividend because the Law requires them to. PBDC and EMO are my choices and both have yields of 9%. If you don't have money these found would provide you with income you could use for yourself or you could invest the funds into VOO and VXUS. I would with Fidelity. Been using them for years with no problem.
Inflation often comes in one short surge than drops. The long term average inflation rate in the US is 3.2%. So it will probably not be as bad as you think but the future is unpredictable. I suggest you look into a different retirment stratagy that doesn't involve drawing down your portfolio. Let's assume you need 100K to cover living expenses in retirment. you could set asside 1million in your portfolio into dividend funds and get about 100K in dividends. Dividends are profits of your investors distributed to you as cash without selling shares. There are people that have retired on 200K of dividend income per year. Also on risk no one plans for is an injury or medical issues that prevents you from working. Effectively forcing people to retire early. One thing you can do is to invest in dividend income in a taxable acccount. I retired early with 5K a month comming from dividend funds in my taxable account. I would suggest you read the book The Income Factory. And Armchair income on youtube is a good resource for fund ideas for an income factory. Some of my favorite dividend investment are QQQI 13% yield, ARDC 9%, PBDC 9%, EMO 9%CLOZ 8%, UTF 7%, UTG 6.4% and JAAA 5.5%. You can add government / cooperate bonds and municipal funds.
One thing to keep in mind mathematically the fast you put money into your roth today the bitter your final account size. While the tax befits of the roth are great they deposit limit is 1/3 of the deposit limit in a 401K. So it would be advantagous for you to add some dividend income your roth portfolio. Two god funds to use are PBDC and EMO. Both have a dividend of 9% higher than most companes because they follow different US laws that require them to pay high yields.They are not significantly higher risk than most dividend stock and have significatnly less volatility than VOO. The cash from the dividends can be split and added to all the funds in your portfolio. The current Roth deposit limit is $7500 I am approaching age 560 and dividends in my roth are adding 4K a month to my portfolio which is used to by more shares.
All the funds you list are growth index funds with minimal differences in risk and often with overlap. Nothing I would consider spice in a portfoli Try ARDC 9%yield, PBDC 9%,EMO 9% CLOZ 8%, QQQI 13%.. Thes will add a lot of dividends to your portfolio. which can be used to by more of other fund or more dividend funds. right now in your roth you are limited to investing $7500 per year. I you take 30K from VTI / VXXUS and put that in EMO you would boost the yearly cash flow into your Roth to $10,200 a year You can put the dividend, VTI, VXUS or EMO. The dividends funds would also work in a taxable account. But QQQI in addition to having the highest yield is also a tax efficient fund. So in the taxable account. build up the dividend income from it to 7500 and use that income to make your yearly roth deposit. And keep adding more to the taxable accounts and more dividend income fund. you can use to pay your bills And eventually you would have enough to cover all of your living expenses.
Generally the starter recommendation is to establish a retirment acount and deposit the maximum allowable (if possible) and establish about 6 months of living expenses theIRA don't invest the money you put into it. You have to choose the investments and how much of the money goes into each fund. After that many people just stop. My recomendation is that the emergency fund should be in a money market account in taxable brokerage and then I would start slowly building a dividend fund. Dividend fund distribute their earnings quarterly or month though cash dividend payment directly to your brokerage account. that money can then be invested or spent as you wish. I would slowly build up money in this fund and then when it exceeds $600 a month invest the dividend income in the Roth and continue to build the dividend fund in the taxable account. Any extra dividend income can then be used to pay uitility, gas, food bills while you continue to add money the dividend fund. The overall goal is to eventually have enough dividend income to cover your living expenses so your work income could be deverted to other uses. This would also insure you have income if you loose your job or cannot work for midical reasons. I now have enough dividned income to cover all of my living expenses. About 5K a month. QQQI is a good starter fund for a taxable brokerage account13% yield and it is tax efficient fund. It would also work well inside the roth with VOO keep 50% of your deposit in QQQI and 50% in VOO in the roth. You could also di the same in taxable brokerage. Eventually you could deversify to other dividned funds. My Roth it is just invested in dividend funds. I am currently using QQQI 13% yield, EIC 11%, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4%, JAAA 5.5%. And you could VOO to that if you want.
First off build your emergency fund and invest in your employers retirement plan or a roth if they don't have one. Growth index funds are find one theretirment account. If you want to be able to access the money then I suggest you open a taxable brokerage and invest in dividend funds. Dividend funds produce passive income. You don't have to sell shares to get the income. The passive income will be invaluable if you loose your job and unlike a cash emergency fund the passive income will not run out of money. you Couldstart out with a fund like QQQI 13% yield and it is tax efficient. For now simply have the dividends reinvested. But it is a good idea to have multiple funds which invest differently. If you have need fro the money you can turn off the dividend reinvestment and just collect the cash in a money market fund. With 50K invested in QQQI it will generate about $500 a month. As you gradually build the income you could start using the income to cover monthly bills and maybe eventually get enough income to cover all of your living expenses. Allowing you to invest more of your work income. I have been working on this for a while and I get 5K a month of income from dividends which is enough to cover all of my living expenses in a high cost of living area. I am currently using the following funds for income QQQI 13% yield, SpYI 11%, EIC 11%, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 5.5%, I was able to retire at age 55. But if I started dividend investing earlier I would have retired much earlier. Now you could have a growth index fund like VOO in the account as well.
Using an interest calculator you need a dividend yield of about 10%. There are a number of funds that pay reliable yields. Funds I have that satisfy this requirement are QQQI 13%yield, SPYI 11%ARDC 9%, PBDC 9%, and EMO 9%. CLOZ8% Now You could put it all in QQQI 13%. But QQQI is a quality covered call fund that invest in Nasdaq 100 index. So if the market stays stable you will reach your goal. However if the market crashes you won't. because the share price will suddenly drop and it may take months to recover. You are probably better off having a little invested in all of the funds I have listed. Adjust the money in each to reach a yield of 10%. In one year or reinvesting all dividneds you will be at about j and in 2you should be at about 300K. At that point you could sell the funds to get the money to purchase the home. And if you decide to not purchase a new home in 2 years you can continue to reinvest the money. Invested this way in 7 years your 250K will be 500K . Additionally 250k invested this way will produce about 2K month of income. So you could conceivably buy the home with a loan and use the income from the fund to pay off the mortgage.
the long term average total return of S&P500 is 10% during the 2000 to 2010 lost decade it was closer to 5% per year. Also as we get older risk tolerance typically drops. So there are many like you that feel trapped because they cannot stomach the volatility of the S&P500 and yet they need to invest. One simple stratagy is outlined in teethe Book the income factory. It is worth your reading. Basically you are probably better off investing for dividends rather than growth. Good dividend funds don't have a the volatility of the S&P500. and dividend funds typically do much better than growth in bear markets like long decades. And seeing income coming in really helps calm peoples fears of the market volatility. I am aproaching age 60 and I am heavily investing in funds like EIC 11% yield, ARDC 9%, PBDC 9%, EMO 9%, CLOZ8%. that averages 10%. And everything political happening now has had no effect on on 5K a month of income from funds like these. IF you have a good job and can invest enough income you can get a decent income by age 60. But not you may have to use a taxable account as well as a retirment accountant. IRAs often has a rather low deposit limit of 7500 per year. 401K hav a deposit limit of about $21000 a year which has aa very big impact on the size of your portfolio. at 60. So you may want to have taxable account with no contribution limit or withdrawal date limit or penalties. Yes you will ba paying taxes but once you get start getting significnant income you can start usingN the income to pay bills and other expenses freeing up additional money for investing. And then you can use a Roth IRA to start building tax freedividend income you cause after 60. One advantage of investing fro yields around 10% is that the ammount of money you need to save up is generally smaller than the ammount you would need in growth index fund only portfolio. 500K invested at 10% yield is 50K a year of income. To get that income from a typical growth portfolio the 4% rule recommendation would require about1.25 million. Note I also have covered call funding my portfolio these funds are just as volatile as growth index fund bu the yield if also high and an they are also tax efficient so you pay less for the income I hav BTCI 30% yeild, QQQI, 13%, and SPYI 11%. I mainly use these to generate income which is mostly reinvested into other non covered call ETF to grow my stable income ETFs. And I also have some growth funds I can use at anytime if there is an issue with my dividned portfolio or I have a bug unplanned expense.
Long term investing has been (relatively) easy for the last 100 years or so. Buying the S&P 500 and resisting to urge to sell when things feel uncertain was arguably the only advice an investor needed to succeed. The firs growth index fund became available around 1980. retirment funds also became available at about the same time. But both don't really become widely available until about 90's. Prior to 1980 the common investing stratagy was to invest for dividned stocks and and picking growth stocks. And what you are seeing today is not really different than what people were seeing in the late 90's if you subtract everything trump does. Investing and holding the S&P500 but good investors don't stoop there or stop at the 6 month emergency fund. Some people now are starting to add more bond and dividend funds. in Bear markets growth can be hard to find. But dividends keep common and pond keep paying. and don't limit yourself to fund paying a divined of 5%There are good dividend funds that pay %% to about 10%. I like QQQI 13% yield, SPYI 11%, ARDC 9%, PBDC 9%, EMO 9%, PFFA 9%, CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 5.5. Another thing people do is after their retirement funds and 6 month emergency fund are setup people start investing for dividends in a Taxable account. Why we all have mostly bills to pay including home mortgages and rent. Everyone is hemorrhaging money monthly. So some people start investing for dividends in a taxable to with a goal of covering common monthly bills. It takes time but eventually you could get enough income to cover much or all or your monthly expenses.
In general as the dividend of a fund increase the growth decreases. Dividend fund in general continue to pay even whine the market price drops. So by switching your investments a bit more into dividend you are erectly switching for fixed income instead of growth and reducing your risk. Also the S&P500 index has a long term average growth rate of about 10%. There are funds and stocks that do have dividends close to 10%. So in your roth you could add commp funds that invest in companes that are not a big part of the S&P500. For example ARCC is a BDC there are no BDCs in the S&P500. ARCC has a yield of 9% which is common for BDC and since the companes founding the stock has performed a bit better than the index. When the growth index has a down year ARCC keeps paying its dividend and pulls a bit ahead. The are a number of f=good BDC so I invested in PBDC and the other is BIZD. In my roth Ihave funds like QQQI 13% yield,EIC 11%, ARDC9%, PBDC 9%, EMO 9% CLOZ 8%. So if the index is down I can use the dividend to invest in VOO or any other growth index you have. And in years when growth does very well you could sell some of the growth and lock that money into high dividends funds with have a comparable return and reduce your risk of over concentatration in the magnificent 7. For 401Ks you are limited on your fund choices so for dividend you may be limited to bond funds so you may be forced to use lower dividend yields. One other advantage having dividned funds in Roth or retirment fund is that if you become unemployed you will still have money flowing into the fund. With now I cannot depoist into my roth because my income is too high but the dividend funds are depositing 5K a month of income into my roth.
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Some people don't tolerate market crashes well panic and sell at a loss.Typically this is common in those that are older and have no experience with investing. You know your risk tolerance but do you know your moms? Typically these people do bettrterwith dividend stocks or funds. In the US I like QQQI 13% yield, SPYI 11%, ARDC 9%, BPDC 9%, EMO 9%, and CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 5.5%. The lowest yield funds are the safest and even the higher yielding funs a very good. She won't see big big gains but she will see consistant quarterly or monthly payments.
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you could set up a custodial account and gift your daughter money. you don't have to report a gift of 19K to the IRS. The gift could also be stock you currrently own. Then invest the money in the custodial account. Many growth investors would just use growth index funds. The other thing you can invest in are dividend ETFs. you could slowly build up position in fund like QQQI 13% yield, ARDC 9%, PBDC 9%, EMO 9%. CLOZ 8%. IF you reinvest the dividend and make regular gifts to her. When she is ready transfer the fund to hear and she can use the money dividend to help establish her life. When she is an adult the monthly income could be several thousand a month for the rest of her life. Assuming she doesn't spend it al and liquidate the funds. So the other part about this is more difficult you have to teach her to manage money and investing. And a part of that is understanding how taxes work and how to estimate taxes. All the skils needed to be successful in life. 5
I would invest the 350K in dividend ETF like QQQI 13% yield, ARDC 9%, PBDC 9%, EMO9% CLOZ 8%. With an equal amount of money in each you would get an average yield 35of about 10%. This would produce 35K a year of income which would cover most of your monthly bills allowing you to divert more of your work into to investments in preparation for retirment. You are basically at a point in life that you should be investing for income. You are basically about one medical issue away from being forced to retire instead of working until you want to retire.
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If you want to retire at age 30 I would invest the money in dividend funds such as QQQI 13% yield, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8% dividend funds generate income and when you reach age 30 you are going to need that income the cover your living expense. Many in retirment sell off growth funds at 4% per year to cover living expenses but selling 4% per year will only provide you with income for 30 years. 30 years of income is fine for someone retiring at age 60 because most people die before age 90. But the 4% liquidation rate won't work if you retire at ago 30. Furthermore you will need to use a taxable brokerage account. Retirement account won't work because it is difficult to on withdrawal money before age 60. Also many people gocus on investing in growth index funds in retirement account and will tell you to convert the goth funds to dividend funds right at age 60. No that advice will work with tax deferred retirement accounts. But it isn't good advice for you because you will be paying a lot in taxes to convert growth to dividend. So the best advice for you is to star with dividends now and build up the dividend income and if you have enough dividend income at age 30 retire.
First step would be to increase if possible the amount deposited per month in your IRA. IF that is not possible you can open a Roth IRA at any brokerage That would allow you to save another $7000 for retirement. With both IRA and Roth their restrictions on whithdrawaling the money before age 60. IF you want access to the money at any time without restriction you need to open up a taxable brokerage account. Many with growth investments in their retirment accounts will continue with the same growth investments in a taxable account. But others prefer to invest for income in the taxable account. a good money market funds is equivalent to a bank High yield savings ac counts. I encourage you to keep 6 months of cash in brokerage money market account. But any additional money should go into a high yield dividend funds CLOZ is one very safe fund to use with a 8% yield Don't automatically reinvest the dividends. When the cash dividned is payed it will then show up as cash in you money market account. You can then use the money to pay bills or other expenses or reinvest the money in a Roth account or invest the money in CLOZ. Never sell shares of CLOZ. If you sell shares of CLOZ the dividends will stop coming. Now you can invest in other dividend ETF than CLOZ. QQQI has a yield of 13% and you pay less tax on the dividend income. QQQI has more risk than CLOZbutit has the very desirable yield. Now yields above QQQI are available but many of those funds don't last long and you gradually loose your original deposit. I am currently getting 5K a month from my taxable brokerage acc count using QQQI, SPI, EIC, ARDC, PBDC, EMO, CLOZ, UTF, UTG, JAAA. overall this has a yield of about 10%. Now to get 5K a month form such an account you need to gradually over time depoist 500K into the dividend portfolio. The rewards of having this much passive income are worth it.
Almost all investors have a cash account. And most of the time it is in bank or taxable brokerage account. Partially for emergencies and pratially to help handle the big unexpected bill. But that said the cash account is the first step in the a taxable account. A emergency cash fund won't last long is you loose your job in recession. It could take form than a year to find a new job. FPassive income is better because the money will not run out. A fund like CLOZ 8% will pay a dividend (passive income. It will take time to build up the money in CLOZ to get meaningful passive income from it. If you don't need the passive income simply reinvest the funds. Or use the money to fund your Roth account or pay monthly bills. But it things go bad turn off any automatic dividend reinvestments. The dividends will then show up as a cash depoist into your money market account. I realize this in my 50s and took some excess growth I had in a taxable account and built up pasive income of 5K a month and retired. I am currently suing the passive until my retirment account become available. Some People use SGOV instead of CLOZ. Others may use riskier funds like PBDC 9% yeid, EMO 9%, ARDC 9% UTF 7% or UTG 6.3%. Other other will use covered call bunds like BTCI, QQQI, and SPYI.
S&P is popular due to its high growth. In economic downturn growth will mostly vanish. But growth stocks are not the only investments out there there are a lot very good dividend funds available. These don't have much if any growth but they pay you cash monthly or quarterly. Some good Examples are ARDC 9% yield, PBDC 9%, EMO 9%, PFFA 8%, CLOZ 8%, UTF 7%, UTG 6.3%, and JAAA 5.5%. You simply buy and hold the fund. The cash dividend is deposited into your account the market will go up and down but dividends keep paying. regardless of what the shar price is going. I currently get 5K a month from dividends.
Have you considered dividends. Overall many of the companes BRK invest in are dividend producing companes know for their consistent dividend cash payments to investors. SGOV pays a dividend of about4%. You could easily get double that with funds like ARDC 9% yield, PBDC 9%,EMO 9%, CLOZ 8%, PFFA 8% you simply buy and hold the fund. And dividend are deposited into your acount. 5 5.
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it is a resky way to make money. If you pay close attention to your portfolio it can work. But most people don't want to focus that much time on it. In the end it is just a way to make money. There are funds that use covered calls (a type of option) on the S&P500 and pay a dividend. SpYI is one and it has a yearly yield of 11%with monthly payouts. QQQI cells covered calls on the Nasdaq 100 index (QQQ). It has a yield of 13%. So 100K in QQQI will generate 1K of income a month. Covered calls cap the growth of the index by converting growth into dividends. If you don't want to use 0ptions there are many dividned funds with good yields. ARDC, EMO, and PBDC all have a yield of 9% PFFa and CLOZ have a yield of 8%. Buy inviting in these and some covered call funds I now have a monthly income of 5K a month from simply holding the stock of these funds. I don't closely monitor them. I treat them just like growth index [funds.Buy](http://funds.Buy),hold , ignore.
$EMO Emerita is one of the filthiest slut of the day 🚀 🚀 🚀
I'm back. totally bought the dip of $EMO. Emerita is set to jump
The problem with the stock market prices of shares can move up and downunprdicatably. So if you need the money in 9 months you won't know how much money you will have in 9 months. You could have 180K or less or 220K or more in 9 months. But let's assume that you don't spend the at money on a new house to see what could be done. I you invested 200K in QQQI an income fund with a lileld of 13%. 200K in this fund will produce 2K a month of extra income. And do to it ROC tax classification on most of its dividends you would pay no tax on that income for about 6 years. Income that could cover much or all of your rent. Now it is possible to get higher yields but those are less stable so for this I wouldn't recomend anything higher than QQQI. Now there are other funds with yields between 10% and 5% yields but most don' have the tax classification of QQQI. So the extra income will be taxeded as regular incom. Which would be the same as 2000 a month raise in you pay. Some examples of lower yielding funds are ARDC 9%, EMO 9%, PBDC9%, PFFA 8%, CLOZ 8%, UTF 7%, UTG 6%.
I would gradually sell it off and reinvest it. yOU could reinvest some in JAAA 6% yield,9%.CLOZ 8% yield these are veritable reliable dividend payers, Keep each at 50K invested. Then add 50K in UTF 7% UTG 6%, PFFA 8%, PBDC9%, EMO 9%, ARDC. These funds produce income you could use to pay utility bills rent, mortgage. roth deposits or simply be reinvested in these funds. If you sick or injured injured or become unemployed for an extended period of time you can use the income to cover expenses until you can return to work. Or you could invest in growth index funds. If you have a big unexpected expense you can sell the growth shares you could get enough money to cover the expense.
I would put it in QQQI the high yield from this fund will generate about 1K of income a month. You can use this income to help cover living expense or used to make deposits into your Roth IRA. Or you could add more money to QQQI to get even more income. I did this and added more funds like SPYI, EIC, ARDC, EMO, PBDC, PFFA, CLOZ, UTG, JAAA. Today I have 5K a month of income from these investments.
Your at a point were you need torethink how you invest. You can keep in vin sting in growth index fund (all the fund you listed ar growth index funds. I would suggest investing you money in the taxable account into dividned ETF. Dividends are cash profit sharing payments to you. For example you could put money in your taxable brokerage account into CLOZ with a 8% dividend yield. 100K invested in that fund will generate all the money you need for your roth deposits. Or you could use the money to pay bills and other expense. You can get yield from 1% to 10% with about as much risk as your growth index funds. CLOZ actually has less risk than growth index funds, I have fund these dividend funds in my taxable account EIC 11%, PFLT 12%, ARDC 9%, EMO 9%. PBDC 9%, PFFA 8%, CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 6%
EMO.V baby - about to win a huge mine in Spain after a 10 year court odyssey. This junior will run. And it’s perfectly time with a metals supercycle.
Additionally having MLPs in a Roth can force you to owe taxes on the income. on solution is to use a ETF or CEF that invests in MLPs. These funds convert the K1 to 1099 forms which are normal for most ETFs. I am using EMO in my roth.
I did that and I am now retired at 55 and living off of my dividneds. Currently at 5K a month of income. Enough to cover my living expenses. I would like 100K in retirment and I estimated my tax for regular dividends with no other income and found my tax owould be 15K or 85K of income after taxes. It will be a few years before I get there. So it is possible to do it with just high tax regular dividends. Qualified dividends have a lower tax. But they are other low tax operations municiable bonds and ROC dividends. ROC means return of capital ( a tax classification) and freaks an out a lot people but A good fund can have ROC dividends by doing tax loss harvesting while earning a profit from your investments. This creates the ROC classification without returning any of your investment. The advantage Of ROC dividends is that you pay no taxes on the dividend. But when the cost basis of your shares reaches zero (which takes years you pay long term captial gains taxes which is the same as qualified dividend. Neos has some ver good covered call funds (see their website for a full list. But two of my favorit are SPYI 11% yield and QQQI 13% yield. You won't find qualified stock or ETF with this yield. And with these yields you can build up passive income faster than you can with qualified dividends of Note some other funds I hare (most are regular dividends) are : EIC 11% yield,, PFLT 11%,EMO 9%, PBDC 9%, ARDC 9%CLO 8%, UTF 7%, UTG 6.3, and JAAA 6%.
The highest utility from investments comes from cash dividends. you can spend the cash on enacting you need or reinvest it. Growth is nice but it isn't real until you sell it and cover the income to cash. My roth is invested in BTCI 25%, QQQI 13% yield, PFLT 12%, ARDC9%, EMO 9, PBDC, PFFA 8%, ClOZ 8%, UTG 6.3%, JAAA 6%. These investment in my roth generate about 30K a year in the roth. Which I reinvest. IF you use a taxable account the money could be used to cover living expense ore reinvested.
At this point in like you should have about half of your IRA invest in bond or dividend funds that produce passive income to cover your bills. You want enough passive income to cover about 1.3 times your yearly living expenses. IF you don't spend all of it in a year reinvest the excess. Bond are nice and safe but the yield is low so you might be short on income if you just use government bonds. With dividend income from dividend ETF the yield is higher and you should be able to get the income you need. If you invest in finds like JAAA 6% yield, CLOZ 8%, PFFA 8%, PBDC 9% EMO 9%, you should be able to create a portfolio with an average yield of about 7% to generate 56K a year of income. As long as you are working you can reinvest the income to grow your portfolio even more. You might want to read the book The income factory and look at armchair income on youtube for additional fund ideas.
What are you taxes on the HYSA now assuming it has the ammount you want to invest? It isn't likel that much money. For HYSA you are now getting about 4% yield and it is likely dropping. You could open a taxable brokerage account and put your money in a dividend fund like CLOZ you would get 8% yield payed monthly with can be reinvested in the fund or spent. You can make adjustment with your work tax withholding to account for the extra income. if you slowly build up the money in the fund it will eventually produce enough to start covering some of your bills. And eventually it could cover all of your living expense. If you don't like CLOZ you can use QQQI 13% yield, SPYI 11%, EMO 9%, PBDC 9%, PFFA 8%, UTF 7%, JAAA 6%.
If you want to retire before age 60 you need to have taxable account to provide you with income until age 60. So this typically means people have a taxable account and retirement account. And sometimes just a taxable account. Now in a taxable acount the tax is generated by dividends, and capital gains from the sale of stock. Often dividends is what people worry about the most because that is taxed on the year it is received. Capital gains taxes mainly occur when you sell share with likely won't happen until you retire. Now an easy way to avoid dividend taxes is to use an ETF with a very low dividend. Growth index funds typically pay a dividend of 1%. So the dividend income on 1 million in invested is only about 10K. Since growth index funds average a total return of about 10% a year most people invest in these funds and then sell off about 4% a year for income when retired. At a 4% liquidation rate the income should last 30 years. 30 years is fine if you retire at age 60. You likely will die in 30 years. But if you retire at age 40 you need income for about 50 years. Which teams a withdrawal rate of 3% or less. Which also means you need to save a lot more money. These is another way to FIRE that doesn't involve liquidating stock for income. Invest for dividends. Using dividend ETF. You can easily get a dividendyeild between 5 and 10%. And dividned income doesn't involve selling shares. So if you save up 1.5 million and invest in a portfolio yielding 7% your after tax income would likely be around 80K a year. So you could focus on taxable account and build up a dividend portfolio using funds Like QQQI 13% yield, Spy 11% yield, PBDC 9%, EMO 8%, PFFA 8%, CLOZ 8%, JAAA 6%, and UTF 7%. you can do it . Now you likely would have to make quarterly 5K estimated tax payments to the IRS. But despite that you still have enough income for retirment. And if you take 7000 of that dividend income you could put that in a Roth to build up more tax free income. you can use after 60.
You have reached the point were more money in a saving account is no longer beificial to you. And if you have your retirement accounts are maxed out, you need to start using a stable brokerage account. Now you can open that and put money in growth funds (which are general tax efficient) But then to get money out of your account you have to sell share to get the money out and that generally means timing the market. An alternative aproach is to invest in a good covered call dividend fund that is tax efficient. For example QQQI has a yield of 13% is tax efficient and doesn't have the NAV erosion issues many warn against. You can collect eh dividneds as cash instead of reinvesting it. And use that cash to fund repair projects and other bills and chains you need money for. Now it will take time but if your account gets to 100K I would put holf 50K in QQQI which would generate about 6K of cash a year. leave the rest in your savings. now for future deposit you could put them in your savings or into QQQI. And if you don't need the dividend reinvest them. QQQI pays out monthly. Now if you don't want to use a covered call fund there are a wide variety of funds available to use. JAAAA 6%yield, UTG 6.3%, zuTF 7%, ClOZ 8%, and PFFA 8% are lower yielding funds but they always pay the divined even if the market is down. Other good funds with higher yields are PBDC 9%, EMO 9%. PFLT 12%. Now with most of these you don't get any tax advantage as you do with QQQI. I built up my dividned income to 5K a month which allowed me to retire at 55. earlier than planned. 5K is enough to cover all of my living expenses There is no limit as to how much dividend income you can get. When you get to about 3 K a month of income from dividned you could loose your job and live off of teh dividends indefinitely.
You chasing returns and constantly checking your portfolio as a reasult. most growth index funds average about 10% a year. You could rediscover what your dad did. Dividend stocks. Is your dad constant checking the market and stressing about when the buy and sell? Likely the answer is no. For example you could invest in JAAA 6% yield ,UTF 7%, CLOZ 8%,PFFA 8%, without doing daily checks. Also with dividends stocks like these you they alway pay a very stable and predictable dividend. dividend cuts are rare with these funds. And you can boost the dividend to about 10% buy adding some higher higher yield funds PFLT 12% PBDC 9%, EMO 9%SPYI 11%, QQQI 13%. For dividends you buy and hold. With many of the funds I have list they deposit cash monthly into your account. Others deposit quarterly. Also many worry about market crashes with many of the lower yeild funds will continue to pay even when the market is down a lot. I ha30K of dividned income before Covid. The market crashed and 50% of the stock price disappeared quickly. But my dividned chacks came in on schedul and I still got 30K a year. And after covid the shoe price recovered with the market. Today I retired early at 55 and have 5K a month of dividend income from a taxable account that coves all of my living expense In Fact I routinely invest 1K back into the market. You can get this level of income with about 500K invested at a 10% yield. Just invest what you can monthly and reinvest the dividends. It will take time but you will get there. If you want you can start with the higher yielding funds first and then switch to the lower yielding funds. and your can use the dividends from a taxable account to fund your Roth or pay regular monthly bills. day trading and growth investing is like making bets a a football game and watching the gave.. Dividend is like watching plants grow. you wanch and occasional trim.
#EMO music to prep for tomo
EMO has had a nice little surge in the last hour, wish knew why
What I would do with cash is put it in a taxable brokerage account and turnoff automatic dividend reinvestment. The cash from the dividned can be placed in HSA, HYSA, or money market account. After that any excess can be used to used for personal needs mortgage, roth, or held as cash for emergencies. Or some could be invested With a fund like QQQI 13% yield your account could push out a lot of cask per year. 100K at 12 would generate $1000 a month. And QQQI is a tax efficient account. The fund takes steps to lower the tax on the dividends you recieve. SPYI is similar but 11%. EMO and PBDC 9%, PFFA 8% or you could just go with a utility fund UTF and get 7% IF you want to take risk There is BTCI which has a yield of 25%.
##THE SKY’S A SN1TCH! #My toaster’s ALIENS, and my socks unionized! #TRAFFIC’S A TURTLE! #Algorithms gargle my DREAMS, and my fridge writes EMO HAIKUS! TO MY CHAOS, OR THE MOON EATS YOUR VIBES! # into glitter static #LMFAO
EMO should win this court case when they do EMO should be north of $3 dollars FRG insider just keep buying that’s what you wanna see
"Real Emo" only consists of the dc Emotional Hardcore scene and the late 90's Screamo scene. What is known by "Midwest Emo" is nothing but Alternative Rock with questionable real emo influence. When people try to argue that bands like My Chemical Romance are not real emo, while saying that Sunny Day Real Estate is, I can't help not to cringe because they are just as fake emo as My Chemical Romance (plus the pretentiousness). Real emo sounds ENERGETIC, POWERFUL and somewhat HATEFUL. Fake emo is weak, self pity and a failed attempt to direct energy and emotion into music. Some examples of REAL EMO are Pg 99, Rites of Spring, Cap n Jazz (the only real emo band from the midwest scene) and Loma Prieta. Some examples of FAKE EMO are American Football, My Chemical Romance and Mineral EMO BELONGS TO HARDCORE NOT TO INDIE, POP PUNK, ALT ROCK OR ANY OTHER MAINSTREAM GENRE
EMO.V here. They’re about to get a massive mine in aznacollar.
some interesting choices, a couple ive been holding for a while are FRG, EMO and CSS
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I don’t give a shit about EMO. The market isn’t pricing risk properly. I don’t understand how it could go through late 2022 to 23 that rough on almost exclusively bullish news but when presented with recalcitrant inflation meeting inflationary policy and the prospect of a US vs everyone trade world war it stays optimistic. And make no mistake, this is still extremely optimistic despite the recent corrections. This reeks of the prelude to the invasion of Ukraine all over again. The market reflecting the sentiment of the public and not the overwhelming consensus of expert opinion. I have no dog in the fight, in fact I am invested passively in equities so I’m exposed to the wrong end, it’s just that current movements defy all available information parsed through anyone with a modicum of common sense and cynicism. It’s like everyone is looking to see what everyone else does first instead of using reason.
FRG it’s a 6-9 month play looking at 2-3 price target but short term css should have results in March and EMO court case start next week
EMO.V - zinc, lead, copper, gold and silver Court case to start in a week where they will be awarded Aznacollar mine in Spain.
EMO.V - just had a nice pullback because of warrant selling. Picking some more up in the $1.60s.
Got into EMO with a small position after your last DD. Not the best time because it dropped slightly, it’s a pennystock nonetheless. Following my personal dd I still strongly believe in short term growth. News after news coming out, essays on the projects, the big report in q1 coming up, strong support by governments… plus, of course, the biggest catalyst of them all, the court case. My price target would be 3 CAD within the next months. Definitely adding more. (fyi I Currently hold 5000 shares @ $1,25)
Get into Emerita Resources EMO.TV if you want a easy 4-8 bagger in next 2 weeks
$EMO.V has a major catalyst with court date starting March 3. 9 trading days before this one is $2+. FOMO takes us to all time highs. Zoom out cuz it’s $4. Wake up
DAX is sure reminding me of Emerita Resources EMO big catalysts coming. Listen to the “Doc Jones”podcast on EMO
https://preview.redd.it/5lfh8rjwvlje1.jpeg?width=1179&format=pjpg&auto=webp&s=c53094b646cdeef463cd9788d0db31581add395f It wasn’t a massive up week for $EMO.V but hey I’ll take it. Still all in EMO in this account. Glad I was heavy at $0.25
EMO.V - Look into the court case that's about to start in March where they got screwed out of a 2015 tender for the rights to an already built mine in souther Spain. They're about to get the mine which will re-rate the stock at least 2-3x from here and put it in the crosshairs of multiple majors nearby for a takeout.
EMO.V - sell after court case concludes that awards the company Aznacollar mine.
dude don't worry. All the idiots here will be crowding into the mining space like they did Oil & Gas in 2022, within 6-12 months. I'm up already 200% in my junior miners (NICU, EMO.V and OMG) since last summer. You just need to choose companies with the right management. I'll be cashing out using the morons here as exit liquidity in due course.
I 100% rotated into juniors last year. Missed the pump since last November but my gains in junior gold miners have made up for it. I wouldn’t expect people here to go into that space. The people who make good money are patient as fuck and play the mining / commodity cycle. It’s basically the opposite of the regards here that yolo something that’s already gone 10x in 3 years with asinine valuation. Plus no options chains. But hey if you want an easy one read about emerita resources EMO.V Easy 2-3x from here after the Spanish courts award them a working mine in March due to a corrupt tender process. Likely a 2bn valuation afterwards with big boys circling for a takeout. Throw in the gold prices and boom.
EMO? Huge catalyst in next 2 weeks
What’s the name of the stock? EMO?
Another one that will moon soon is EMO. Emerita Resources. Listen to the Doc Jones podcast
That’s pretty good account growth. Have any of yous looked into Emerita resources? There’s a podcast from Doc Jones you can google. Looking at 200-300% growth by match 1 EMO.V
Hard to say If you’re in Reco.v I’d sell but if you were in EMO.V I’d hold.
Don’t lose it all. nvidia is hard to predict. If you want a quick 300-400% gain look at EMO.V. March will be rewarding
Wow. Not good. Can only hold now. If you sold only way you’d recover is to get into EMO.V
If your looking for in depth understanding of this court case and what $EMO has https://podcasts.apple.com/ca/podcast/due-diligence-by-doc-jones-resource-investor-hunting/id1568221675?i=1000688680526
My advice is to hold and to look at EMO.V
Long term investor in EMO. This is not just a zinc play. There is plenty of information out there on this one. There is also a lot of copper, silver and gold with very decent recovery rates.
And whoever mentioned EMO.V is a god https://preview.redd.it/koybxsjzoeie1.jpeg?width=1290&format=pjpg&auto=webp&s=f9e08a9c63202346fbd8d1cc23139d0dbdeaceae
EMO.V is a win also. Look at the last 90 days
https://preview.redd.it/5guxzzyvwdie1.jpeg?width=1179&format=pjpg&auto=webp&s=e7c60534163703421ece7c4eb5da22b6864ee131 EMO.V is green and so are their candles! I’m long this isn’t any sort of advice. DYODD
Not bad but go in on EMO.V also
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