HYBL

Plenty-Bill7296

As with all things in investing, that's only true sometimes. In particular, saying "high-yield dividend stocks with dividend reinvestment plans(DRIP) generate significantly superior compound returns compared to gold and silver" would be wildly inaccurate for the past 3 years. Just to pick a random ETF focused on high dividend income, HYBL is a quality fund and over the past 3 years, with dividends reinvested, you would have earned 25.3%. On the other hand, if you had bought GLDM, you would have earned 127%.

TapeLegacy

Sell it, mark my words. You’re going to regret not putting half of your winnings into a money market as BP for when shit hits the fan. Your biggest tool in investing is BP (buying power) without it you got absolutely nothing of value. You’re staring at a screen with unrealized gains, and you’re going to hate yourself when you wake up and it says zero profit. This could happen in an hour, tomorrow or before the year ends. Congratulations, but don’t miss out on better opportunities, take it from someone who’s won big and lost big. Take the profits, have at least 50% buying power in a money market for rainy days, buy some cool ETF’s (HYBL, FDVV, SPYD) these are a few cool ones. NOT FINANCIAL ADVICE\* but this is 100% what i would do if i were you, and I’ve currently been doing the same and have increased my portfolio from 5k-80k this year alone, not as big as your wins but mine are now realized gains, because im currently 80% cash in 4% yield SPAXX and 20% small caps that have me at 50-300% profit from gains and investments i made before the election. Godspeed! 

blackjack_bull

Anybody want to provide feedback on my plan to beat a HYSA this year? The moderator bot removes my posts :( "I am putting $25,000 to work for 6 months as an experiment to beat the HYSA it is in (4.25% apy with ally), with a setup that would still perform during a this-year market drop. I'm fairly new to this, and this is my "stab in the dark" after looking around: To start I want to put $15,000 into t-bills. I read about t-bills, bonds, cds, and t-bills seem to be great for their liquidity and tax benefits. I'm fine expecting to get 5.3% apy from these, correct? With that in mind... To not miss out on potential stock market returns, I want to put $5,000 into FMILX (Fidelity New Millennium Fund). If the s&p does well, this fund would get phenomenal returns. I regularly trade SPY (small account, high risk options), and feel semi-comfortable with what I've observed this year to date to come up with this. The next six months could absolutely be a correction period, or just ignore this drop and keep zooming. Additionally, I want to put another $5,000 into HYBL, because of their dividend history. 19 cents a share a month is $34 a month, or 8% a year, which seems awesome on paper. Then if the s&p goes up, I see even bigger returns. I found them using tools on Fidelity, if that means anything. All that said, if the market does well, then duh this will perform great. More importantly, let me know if my thinking is right. I don't think it's stupid to think the most the s&p could drop in the next 6 months is 14-15%, which is a lot, but not impossible. I am using the dividends off the HYBL and the t bills as a hedge against the s&p dropping. No such thing as free money, but to me, this looks like a solid plan to at least earn 1-2% on the money (if the market drops 15%) which is at least on par with the HYSA. But if the bull continues, I could see a significant short term gain: The dividends yield (+$204), t bill earnings (est 5.3% apy, so +$400), a -The dividends on HYBL would yield +$204. -The last six months of FMILX did +20%. So +10-220% in the next six would be +$500-$1,000. -HYBL would perform similarly, keeping the prediction simple at +$500-$1000. -Assuming 5.3% apy on the t-bills, that's +$400. All taken into account, my predictive results of this mix after six months invested are: In a poor index market, the $25000 would grow to $25,250-$25,500 (1-2%). The HYSA would have grown to $25,531.50 (potentially a percent better performance than my mix). In a great index market, the $25000 would grow to $26,604-$27,604, a 6.4%-10.4% gain. Obviously outperforming a HYSA. Am I going down the wrong path for my goals? Did I approach this well, or am I missing key factors? Thanks for any feedback at all."