JPIE
J.P. Morgan Exchange-Traded Fund Trust
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Emergency funds should be parked in SGOV or a HYSA. Not investments. If $100k fell into my lap right now, I would put 80% of it into SGOV, and 20% of it into JPIE, then I would sit patiently waiting on a market dip before buying up any actual stocks/ETFs. We are currently hitting all-time highs in the stock market, I would highly suggest that you *do not* invest all $100k at once in the current market.
Might want to look at an ETF like JPIE. Not much in the way of growth potential but a 6% yield with monthly distributions, so your 10k will net you an extra $50/month
JPIE, JAAA, PCMM off the top of my head.
Okay, it sounds like you’re in a great spot. I’m not sure if you’re able to buy mutual funds without a transaction fee (easier to place trades) at your bank or if it’ll be better to buy ETFs, but I highly recommend an allocation of 70-75% stocks and 25-30% bonds depending on your risk tolerance. (If you think you can handle a little more risk do 75% stocks, if not then 70%). To make it easy, for the stock allocation I recommend 75% Total Stock Market Index (such as VTI or SCHB) or S&P 500 Index (such as VOO or SPLG). The other 25% should be in international stocks (such as VXUS or VEU). The bond allocation can be as simple as BND or FBND or if you want a little extra return you can use 50% JPIE and 50% BINC. Ideally you’d place a lump sum of 25-50% this week, especially since the market is down and DCA the rest over the coming weeks or months. Let me know if you have any questions.
Yep I'm in my fifties and I just moved about 10% of my portfolio into cash. The rest is basically in divided funds or VTI. If this keeps up I suspect I'll be repositioning strictly into income funds like BND, SGOV, and JPIE for at least a few years, since a sustained period of stagflation is looking likely
I create income with equity and bond etf’s as follows: JEPI, JEPQ, JPIE and PDO. The first two use managed call options to pay monthly income. They are less volatile than the respective indexes they are based but will give you capital gains in a rising market as well.
I'm about ready to say fuck it and shove my money into JPIE. A reliable 6% yield may be better than putting up with this bullshit day-to-day
SDS and SQQQ short-term, JPIE and SGOV thereafter
So JPIE, that you mentioned, would likely have higher total returns, in your view?
For the bond side I recommend 1/3 JPIE, 1/3 PULS, 1/3 SGOV. This bond allocation will give you a modest return and help preserve your capital during corrections. JPIE is a great multisector bond fund that can profit from dislocations in the bond market without having constraints like many other funds. PULS is one of the best ultra short bond funds out there currently and invests in mostly corporate bonds that mature in under a year. SGOV invest in short term treasury bills and is virtually (dare I say) riskless return. This will be the safest fund in the portfolio
Kinda depends if you plan to use the account, what your current health situation is, what your family health history is, etc. In general, based on your retirement timeline, I’d invest in a 70/30 portfolio (70% equities, 30% bonds). 55% FSKAX or FXAIX 15% FTIHX 10% JPIE or BINC 10% PULS 10% SGOV When you’re close to retirement or starting to plan to retire go 65/35 and then when you retire go 60/40. If you have any questions let me know
Yes, they will drop significantly with a big market downturn. The covered call strategy will provide a small downside hedge with premiums collected by capping upside. These are nice funds IMO for those close to or in retirement, who understand the tax implications of the funds, are OK with high correlation to the market, and need/like the income stream. Corp bonds will also be more highly correlated with the stock market. The higher the yield/risk, the higher the stock market correlation. I've been investing in JPIE lately. It has lower market correlation due to a high proportion of securitized debt. It's yielding about 5.7% after fees and has not been hit as hard recently as other bond funds with more treasury exposure. I still see JPIE more as a complementary bond fund, instead of core like BND.
Sure. I've been monitoring new issues on Fidelity's site for a couple of years. They are callable, and I've got issues with call dates between '25-'28. It's a bit like a ladder, only I'm fine holding til maturity at those rates. Even today, there are 6-6.5% new issues with A to BBB ratings. For funds, look at JPIE or JAAA, and don't reject high yield funds like SPHY or JBBB. There are many others.
There will be plenty of buyers on Monday, but you're probably wise to start moving more of your mom's retirement money into safety. A blend of SGOV and JPIE may be worth considering so she still gets some income out of it. I remain of the opinion that all of this sledgehammer austerity is all designed to ensure that the GOP can get the extension of the Trump tax cuts to be deficit neutral so they can get them passed through reconciliation in March. Then a lot of this is going to go away
For taxable bonds I prefer JPIE, BINC, and/or FLXR
If I would be keeping the money invested for 6 years and can also afford to re-invest the dividends into the fund for that time, GOVT. (For more yield, and more risk, I like FBND, also a 6 year duration.) If I need the money for any reason in next two years, SGOV. (JPIE or MINT for more yield and risk.)
20 years is still a long ways to go. You can add bonds, but I wouldn’t go above 25% bonds, preferably less. Some great bond funds are BINC, JPIE, & FLXR. If you want to be even more safe on the bond side, then I recommend PULS.
I like and hold MINT for ultra-short. For a bit more duration, return and risk I also like JPIE.
You could be my brother. Out fathers are even the same age and mine also lost a lot of money in options as his mental acuity declined over the past few years. (Although my father is a widower.) (I'm now also worried about myself should this happen to me -- declining acuity can be a big threat to future financial security.) My Father's main account is with Schwab and he had a lot of cash in the default bank fund that pays 0.145% interest (or something like that). So, make sure any cash is in a Money Market if in Schwab as they don't have a decent "sweep" account. My Fathers has an IRA and Brokerage account. Because he was trading options and was a frequent trader the brokerage has minimal account balance requirements ($25K). You might need to check for that. I recently had to do an IRA distribution to keep it over $25K (an RMD, though). If in an IRA, you often need permission to trade options so look at having that removed from the account. That would probably take his agreement unless you get power of attorney, etc. I have yet to do this. My father also had an account at Interactive Brokers he had forgotten about. Look out for lost accounts. In this case, leaving it alone from 2019 to 2023 made it the best performing account. Taxes were a bit of a mess. 50+ pages in the end of year tax docs with all those option transactions in the (taxable) brokerage account. He was also only doing RMDs from the account he remembered and was under-withholding for fed taxes owed. My basic approach was find missing accounts and consolidate them (for one, that makes the RMD easier to figure out as well as taxes) then moved his cash into duration appropriate bond funds (max 5 year duration) and money market funds. Stocks were in the Interactive Brokers account which was closed and moved to Schwab and re-invested in bond funds. I left his small gold position and since he also is still interested in call options we put some in JEPI (let the pro's handle the details on options). Others include JPIE, MINT, SCHO, and SCHR. He also needed a lot of help making sure property taxes are paid on time, taxes are filed, bills paid and he is not defrauded (really, SunRun at Costco exit path, he does not need a leased solar system at age 83), etc. I've had to understand his cash flow to get an idea of how long until he runs out of money and make sure that is kept in mind for investment decisions.
I like IEF for this. Not as short as 5 year duration but not way out there like TLT. Yield to maturity is about 4%. Or something like SCHR for 5 years with a 4.35% yield to maturity. For a bit more yield FBND but that also has corporate bonds (still, GOLD rated by Morningstar). (I own all three.) Also look at JPIE. 3.82 year effective maturity. Fees are a bit high but yield is pretty good. Note the Fed does not set bond rates, the market does. The longer the duration the less impact Fed interest rate changes will make. So, I look for a bond fund duration of 8 years, or less (intermediate). I prefer treasuries and look for low fees. I'm not buying the TLT story due to the duration. Intermediate duration funds like FBND, IEF and SCHR have outperformed TLT,in the past year.
My Father (83) uses: JEPI JPIE MINT SCHO: Short term treasury SCHR: Intermediate treasury Money Market fund If she is 70, I'd add more equities then the above as JEPI is really the only equity exposure and has limited upside. To keep it simple, could select one of these: [https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds](https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds)
Keep it simple and barbell with SGOV and PULS. If you want to add a little more risk then you can add a small percentage to a good multi sector bond fund such as BINC or JPIE
If your parents are 70 and directed you to perverse the money #1 and grow the money #2, then I would definitely not put them in more equities. If you don’t like BND and want to change the bond allocation then I would recommend barbelling with SGOV for short duration (preservation) and a good multi sector bond like JPIE or BINC that will outperform the benchmark on the upside and downside and help grow the account.
I agree with this. Stay short to intermediate duration at your age. Take most of your risk on the equity side. I like both SGOV and PULS. If you want to extend duration a little with the potential for higher return, then a multi sector bond ETF like JPIE or BINC are great funds and have outperformed the index
38, USA >> I’ve been contemplating what to do with some funds currently sitting in a high yield savings account earning a modest 5% interest. With the anticipation of rate cuts this year, I’m considering moving the money into JPIE, a bonds ETF, for potentially better returns. However, I’d love to hear your thoughts on other low-risk options that could provide stable returns, as I already have investments in higher-risk. Thanks in advance.
The 30 year may be underpricing sticky inflation and supply outpacing demand as the US continues to fund massive deficits at the same time foreign buyers are reducing treasury holdings inflation pushes include re-shoring and the energy transition. I’d ask you to talk me out of what I’d counter with: JAAA for the short end paying 7% with minimal risk. BINC and JPIE for some duration, paying 7% on high quality corporate debt. I don’t see any scenario outside of WW3 in which a barbell treasury approach outperforms the above. This isn’t to mention the opportunity cost of ignoring equities, particularly small caps and global allocations which have underperformed and are likely approaching a more favorable period.
Agreed. Beside my regional bank and a few other positions, my portfolio is pretty conservative too. I put 60% into triple a CLOs paying 7% and started locking in some duration with BINC and JPIE