UTF

WMHamiltonII

Typed it into a search engine [Market Summary](https://www.google.com/finance?rlz=1C1CHBD_enUS914US914&oq=stock+$smx&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDMzNjZqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&sa=X&ved=2ahUKEwjlq6Smw6yRAxXaLTQIHYbuEVoQ6M8CegQINBAE) \> SMX (Security Matters) PLC 331.98  USD -37,468.94 (-99.12%) year to date 37,800.92 on Jan 2nd... to 331.98 now! LOL!!!

Beetlejuice_hero

Wealth taxes are pointless and counter-productive and easy to skirt anyway. Start by stopping the open jerking off of the mega-wealthy elite class. Not necessarily Elon but that economic strata. Carried interest loophole should not exist. ["Buy Borrow Die"](https://www.google.com/search?q=Buy+Borro+Die&rlz=1C1CHBF_enUS984US984&oq=Buy+Borro+Die&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIMCAEQABgNGLEDGIAEMgkIAhAAGA0YgAQyCQgDEC4YDRiABDIJCAQQABgNGIAEMgkIBRAAGA0YgAQyCQgGEAAYDRiABDIJCAcQABgNGIAEMgkICBAAGA0YgAQyCQgJEAAYDRiABNIBCDI0MTJqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8) should not exist. Borrowing against unsold assets should trigger a taxable event. Nix [tax benefits](https://www.google.com/search?q=bug+beautful+bill+private+yachts&sca_esv=b960a84cc5c43ab2&rlz=1C1CHBF_enUS984US984&sxsrf=AE3TifNHfriG6lBHC9laHIlQ2431NnyFkA%3A1765123516712&ei=vKU1aeakK8mzptQPwb2UiQw&ved=0ahUKEwjm8srB7auRAxXJmYkEHcEeJcEQ4dUDCBE&uact=5&oq=bug+beautful+bill+private+yachts&gs_lp=Egxnd3Mtd2l6LXNlcnAiIGJ1ZyBiZWF1dGZ1bCBiaWxsIHByaXZhdGUgeWFjaHRzMgcQIRigARgKMgcQIRigARgKMgcQIRigARgKMgcQIRigARgKSLsBUABYAHAAeAGQAQCYAXqgAegBqgEDMC4yuAEDyAEA-AEBmAICoALyAZgDAOIDBRIBMSBAkgcDMC4yoAeQDbIHAzAuMrgH8gHCBwUwLjEuMcgHBYAIAA&sclient=gws-wiz-serp) for Private Jets and Yachts like in Trump's bill. Ridiculous. Short term cap gains over ~$250k (won't hit working class) should all be taxed at a new highest marginal rate of 40%. All these insider traders won't ever stop cheating and it's hard to track anyway, so they should contribute to wider society. Elon is a obviously deranged basketcase and performative weirdo, but scapegoating him accomplishes nothing.

fact_not_salty_tears

Hmm, AI is slowly going to deflate, but the rest will be shocked down by a catastrophic event. I reckon in 2027, probably a volcano, given the upswing in recent eruptions. Those old enough may recall: "Barings Bank collapsed in 1995 after a single employee, Nick Leeson, caused over $1.3 billion (£827 million) in losses through unauthorized futures and options trading in its Singapore office. The collapse was facilitated by insufficient oversight, poor risk management, and Leeson's ability to hide his losses in a secret account until a major market event, the Kobe earthquake, exposed the extent of the problem. The bank's assets were subsequently sold to [ING Group](https://www.google.com/search?q=ING+Group&oq=Bearings+ban&gs_lcrp=EgZjaHJvbWUqCwgDEAAYChgLGIAEMgYIABBFGDkyBwgBEC4YgAQyEQgCEC4YChgLGMcBGNEDGIAEMgsIAxAAGAoYCxiABDILCAQQABgKGAsYgAQyCwgFEC4YChgLGIAEMgsIBhAuGAoYCxiABDILCAcQABgKGAsYgAQyBwgIEAAYgATSAQoxMDI1NWowajE1qAIIsAIB8QWzAEqCXrkt8PEFswBKgl65LfA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjEwL-btKKRAxVMS3ADHQI6JpEQgK4QegYIAQgAEAY)." 

Various_Couple_764

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%

Beetlejuice_hero

I had a ~120 cost basis with META bought in 2022 and sold a lot of it this year close to ATH. It was just too much of my portfolio. Massive tax bill (almost $60k) that I've been paying throughout the year (USA). I keep it in a money market so it's been paying me some interest waiting for the next payment. It is what it is. Death & Taxes - both come for us all eventually unless you're one of those elite pricks that uses "[Buy Borrow Die](https://www.google.com/search?q=Buy+Borrow+Die&rlz=1C1CHBF_enUS984US984&oq=Buy+Borrow+Die&gs_lcrp=EgZjaHJvbWUyCggAEEUYFhgeGDkyCAgBEAAYFhgeMggIAhAAGBYYHjIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQgxMTIwajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)" but that obviously doesn't apply to most of us. Psychotically it helps me to move my tax funds to a totally separate account so it's not mixed in with my investments.

Skilledthunder

Let me introduce you to a new word. [Hyperbole!](https://www.google.com/search?q=hyperbole&rlz=1C1GCEA_enUS1185US1185&oq=hyperbole&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDQ5ODlqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8)

Various_Couple_764

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%.

TheInkDon1

I won't comment on your choice of underlying, but I do want to maybe help with your understanding of LEAPS Calls. They're all I do now, starting early this year, and I have a lot of experience with them. I'd suggest that you're picking a Delta that's too low. You said "70% of the stock move," so your platform is probably showing that Dec '27 200C at 70-delta; ThinkorSwim is showing me 73-delta right now. Either one is too low. [The general consensus ](https://www.google.com/search?q=what+delta+should+you+buy+leaps+calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+delta+should+you+buy+&gs_lcrp=EgZjaHJvbWUqDAgAECMYJxiABBiKBTIMCAAQIxgnGIAEGIoFMgYIARBFGDkyBggCECMYJzIICAMQABgWGB4yDQgEEAAYhgMYgAQYigUyCggFEAAYgAQYogQyBwgGEAAY7wUyCggHEAAYgAQYogQyCggIEAAYgAQYogQyBwgJEAAY7wXSAQg0ODk1ajBqN6gCCLACAfEFQvdIhaLUe2A&sourceid=chrome&ie=UTF-8)it to go for 80-delta or more. I used to do that, but I'm at 90-delta for all my purchases now. Re-evaluate the percentage loss if Amazon stays flat from now till then. ToS is showing an extrinsic value of 43.46 against a Midpoint of 64.88 here AH on Saturday. It's that extrinsic that will decay over time, leaving only the intrinsic value (64.88 - 43.46). So you would lose 43.46/64.88 = **67%** of your original investment. Two-thirds if AMZN stays flat. You can help alleviate that by selling shorter-term Calls against the long Call, but I didn't see you mention that. Are you familiar with selling CCs against stock? It's the same when the collateral is a Call you own. One way to approach it is to figure out how much theta per day the long Call loses. That's just Extrinsic/DTE, which in this case is: 43.46/753 = 0.057, or 5.7 cents per day \[I used 753DTE *from Monday*; today and Sunday don't count.\] So then you need to find and sell a CC that delivers at least that much premium per day. If you don't know, a good place to sell CCs is 30-45DTE and 20 to 30-delta. The 32DTE 26Dec235C at 29-delta is selling for 3.67 at Midpoint. Calculate its theta-per-day: 3.67/32 = 11.4c per day. Exactly twice as much as needed to cover the 5.7c/day loss of the long Call. And it leaves some of the premium received to become profit. I won't work out the math here, but after paying for theta-decay of the long Call, you could be looking at a return from selling CCs against an 80-delta long Call in the neighborhood of 25% apy. That's if AMZN just stays flat. If it inches up slowly, you'd make more. But of course, if it drops enough, then premium from CCs won't be enough to cover it, so you'd lose money. But not as much as if you *didn't* sell Calls.

Admirable_Hand9758

It's literally no contest. [https://presidentialdata.org/](https://presidentialdata.org/) [https://www.google.com/search?q=budget+deficit+under+clinton&oq=budget+deficit+under+clinton&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjINCAQQABiGAxiABBiKBTINCAUQABiGAxiABBiKBTIKCAYQABiABBiiBNIBCTc2NjZqMGoxNagCCLACAfEFZui0WYbTJAo&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=budget+deficit+under+clinton&oq=budget+deficit+under+clinton&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjINCAQQABiGAxiABBiKBTINCAUQABiGAxiABBiKBTIKCAYQABiABBiiBNIBCTc2NjZqMGoxNagCCLACAfEFZui0WYbTJAo&sourceid=chrome&ie=UTF-8) [https://www.google.com/search?q=budget+deficit+under+george+w+bush&sca\_esv=9bd0e26604fdbc2f&ei=fMIgaenGCr2t5NoPu6rx0As&oq=budget+deficit+under+cbush&gs\_lp=Egxnd3Mtd2l6LXNlcnAiGmJ1ZGdldCBkZWZpY2l0IHVuZGVyIGNidXNoKgIIADILEAAYxwMYCBgNGB4yCxAAGIAEGIYDGIoFMgsQABiABBiGAxiKBUi4LlCtBVj6HXABeAGQAQCYAaYBoAGeCaoBAzQuNrgBAcgBAPgBAZgCC6AC2QnCAgoQABiwAxjWBBhHwgIFEAAYgATCAgYQABgWGB7CAggQABiABBiiBMICBRAhGKABwgIFECEYnwWYAwCIBgGQBgiSBwMyLjmgB48xsgcDMS45uAfTCcIHBTAuNC43yAck&sclient=gws-wiz-serp](https://www.google.com/search?q=budget+deficit+under+george+w+bush&sca_esv=9bd0e26604fdbc2f&ei=fMIgaenGCr2t5NoPu6rx0As&oq=budget+deficit+under+cbush&gs_lp=Egxnd3Mtd2l6LXNlcnAiGmJ1ZGdldCBkZWZpY2l0IHVuZGVyIGNidXNoKgIIADILEAAYxwMYCBgNGB4yCxAAGIAEGIYDGIoFMgsQABiABBiGAxiKBUi4LlCtBVj6HXABeAGQAQCYAaYBoAGeCaoBAzQuNrgBAcgBAPgBAZgCC6AC2QnCAgoQABiwAxjWBBhHwgIFEAAYgATCAgYQABgWGB7CAggQABiABBiiBMICBRAhGKABwgIFECEYnwWYAwCIBgGQBgiSBwMyLjmgB48xsgcDMS45uAfTCcIHBTAuNC43yAck&sclient=gws-wiz-serp) I honestly don't know where you're looking.

Beetlejuice_hero

This sub and the wider investing public is (understandably) fixated on tech/AI, myself included. I'm buying META, CRM, RDDT, and a biotech penny (unnamed - rule 7). But keep in mind $100 made in a boring ass legacy company is the same as $100 made in MAG7. [XLP](https://www.google.com/search?q=xlp+stock&rlz=1C1CHBF_enUS984US984&oq=xlp&gs_lcrp=EgZjaHJvbWUqDggAEEUYJxg7GIAEGIoFMg4IABBFGCcYOxiABBiKBTINCAEQABiDARixAxiABDIOCAIQRRgnGDkYgAQYigUyEwgDEC4YxwEYkQIY0QMYgAQYigUyDQgEEAAYkQIYgAQYigUyDQgFEAAYgwEYsQMYgAQyBggGEEUYPDIGCAcQRRg80gEIMTU5OGowajeoAgCwAgA&sourceid=chrome&ie=UTF-8) Consumer Staples is a good buy. I bought 2,000 shares of boring old Campbell's (CPB). PG has had a big pullback but reliably makes $80B/yr in revenue. Just something to keep in mind during the latest tumult.

Negative_Song_6362

Don't forget about [Jeven's Paradox](https://www.google.com/search?q=jevens+paradox&rlz=1C1GCEA_enUS1068US1068&oq=jevens+paradox&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDE5MjlqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8)

Tybasco

This is very real and I want to know who’s [responsible](https://www.google.com/search?q=hong+kong+gangster+richest+man+kidnap&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&sei=FZUdabHLCcf9ptQPof_QuQ4)

howieyang1234

I thought it was just treasury bonds, but that doesn't seem to be the case. "Trump's new bond investments span several industries, including sectors that have already benefited, or are benefiting, from his administration's policy changes such as financial deregulation. Corporate bonds acquired by Trump include offerings from chipmakers such as Broadcom [(AVGO.O), opens new tab](https://www.reuters.com/markets/companies/AVGO.O) and Qualcomm [(QCOM.O), opens new tab](https://www.reuters.com/markets/companies/QCOM.O); tech companies such as Meta Platforms [(META.O), opens new tab](https://www.reuters.com/markets/companies/META.O); retailers such as Home Depot [(HD.N), opens new tab](https://www.reuters.com/markets/companies/HD.N) and CVS Health [(CVS.N), opens new tab](https://www.reuters.com/markets/companies/CVS.N); and Wall Street banks such as Goldman Sachs [(GS.N), opens new tab](https://www.reuters.com/markets/companies/GS.N) and Morgan Stanley [(MS.N), opens new tab](https://www.reuters.com/markets/companies/MS.N).Purchases of the debt of investment banks in late August included bonds of JP Morgan [(JPM.N), opens new tab](https://www.reuters.com/markets/companies/JPM.N). On Friday, Trump asked the U.S. Justice Department [to investigate JP Morgan](https://www.reuters.com/world/us/trump-says-he-will-ask-justice-department-probe-epstein-ties-with-bill-clinton-2025-11-14/) over its ties to the late financier and convicted sex offender Jeffrey Epstein. The bank has said it regrets its past ties with Epstein and did not help him commit "heinous acts." Trump also acquired Intel [(INTC.O), opens new tab](https://www.reuters.com/markets/companies/INTC.O) bonds after the U.S. government, under Trump's direction, [acquired a stake, opens new tab](https://www.google.com/search?q=intel+10+oct+stake+reuters&rlz=1C1GCHU_enUS1124US1124&oq=intel+10+oct+stake+reuters&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigAdIBCDQyNzBqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8) in the company." Source: [https://www.reuters.com/business/finance/trump-buys-least-82-million-bonds-since-late-august-disclosures-show-2025-11-15/](https://www.reuters.com/business/finance/trump-buys-least-82-million-bonds-since-late-august-disclosures-show-2025-11-15/)

4Yk9gop

The [**ad populum**](https://www.google.com/search?q=ad+populum&oq=falacy+of+crowd&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yDQgCEAAYhgMYgAQYigUyDQgDEAAYhgMYgAQYigUyDQgEEAAYhgMYgAQYigUyBwgFEAAY7wUyCggGEAAYgAQYogQyCggHEAAYgAQYogQyCggIEAAYgAQYogTSAQgzNjEzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCl-Z9F3MdaHlFb7gABcXtoCEhDYxRp_tmXgH-1cap5KabvzBZ2n4SuioYMavALz8ZvexYWCJyItIr2rPFVyFAz_J5Qbt_7x88A4sYYO29sZmGxbZMfYalDnjxV9QR7tCd-FOL0bVXDyly58rbtWsgJR4Lg1tm0TomY3pOtFAe3RI8&csui=3&ved=2ahUKEwi1m8aH0fWQAxV8kIkEHXTIM2gQgK4QegQIARAB) **fallacy** or [**bandwagon fallacy**](https://www.google.com/search?q=bandwagon+fallacy&oq=falacy+of+crowd&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yDQgCEAAYhgMYgAQYigUyDQgDEAAYhgMYgAQYigUyDQgEEAAYhgMYgAQYigUyBwgFEAAY7wUyCggGEAAYgAQYogQyCggHEAAYgAQYogQyCggIEAAYgAQYogTSAQgzNjEzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCl-Z9F3MdaHlFb7gABcXtoCEhDYxRp_tmXgH-1cap5KabvzBZ2n4SuioYMavALz8ZvexYWCJyItIr2rPFVyFAz_J5Qbt_7x88A4sYYO29sZmGxbZMfYalDnjxV9QR7tCd-FOL0bVXDyly58rbtWsgJR4Lg1tm0TomY3pOtFAe3RI8&csui=3&ved=2ahUKEwi1m8aH0fWQAxV8kIkEHXTIM2gQgK4QegQIARAC) mistakes popularity for truth or validity. It's also a fallacy to assume that because an opinion is popular it is wrong.

Worried_Quarter469

Saying this guy is likely successor https://www.google.com/search?q=John+Ternus&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

ratskin69

"Berenberg Bank has recently updated its rating for [Rolls-Royce Holdings plc](https://www.google.com/search?q=Rolls-Royce+Holdings+plc&oq=Berenberg+Bank+rolls+royce&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTINCAEQABiGAxiABBiKBTIKCAIQABiABBiiBDIHCAMQABjvBTIKCAQQABiiBBiJBTIKCAUQABiABBiiBDIKCAYQABiABBiiBDIGCAcQRRg80gEINTIyMWowajeoAgCwAgA&sourceid=chrome&ie=UTF-8&mstk=AUtExfAMPOwnjQF8Nf2WKNYZLBOcnwQNcbldlKREjwu0yWMhhDz3cSip272taaA7a49qrnQ-8V4PbE27qDmjzQjLGhutKDol2om8-62S9ugUzqrOGKrs92g6Nz_ZUE0p6Pjxx1bf9flv70C9k7Cs8vaorImfREQihGjHBfUUiayHyu7im_n1l3wHcZcZspMfo_k3qKh5b1Z37XP3pIgXTyYB65HA44kbrM9dUb_BqK43RL-sA3RcsawAqOmM52UUTIjzRErQOnhHW7AtAkdq3qke8jB6&csui=3&ved=2ahUKEwiFlcu-ju2QAxViODQIHcZQGyYQgK4QegQIARAB), raising it from a "sell" to a "hold" rating in October 2025, with an increased price target to GBX 1,080. This upgrade reflects Berenberg's positive outlook on the long-term growth of Rolls-Royce's engine delivery, particularly for large aircraft, and the company's improved internal performance, although the "hold" rating suggests caution remains. This is a change from an earlier "sell" rating in January 2024, which was based on concerns about the XWB-97 engine and the company's future plans."

Zestyclose-Hat-5497

Notable individuals with this last name include Argentine footballer and coach [Nery Pumpido](https://www.google.com/search?q=Nery+Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAF) and his nephew [Facundo Pumpido](https://www.google.com/search?q=Facundo+Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAG), as well as Spanish judge [Cándido Conde-Pumpido](https://www.google.com/search?q=C%C3%A1ndido+Conde-Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAH) and Cuban gymnast [Roberto Pumpido](https://www.google.com/search?q=Roberto+Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAI). Make DD....)))

bilboomerbaggins

# Help is available  Speak with someone today  # 988 Suicide and Crisis Lifeline Languages: English, Spanish Hours: 24/7 [](https://www.google.com/search?client=safari&rls=en&q=suicie+hotline&ie=UTF-8&oe=UTF-8#)

Various_Couple_764

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%.

Various_Couple_764

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.

Dianna1B

I know that. But there was a case back around 2016-2018 .. a black woman with 5 kids with no high school diploma.. she went full speed and got her high school diploma, college degree and law degree .. that was in Texas. This was my message. It doesn’t matter the circumstances.. if your put your mind to it, you can do it. That was my message. Here is the article: https://www.google.com/search?q=texas+woman+with+5+kids+got+her+college+degree+and+law+degree+in+texas&rlz=1CDGOYI_enUS1080US1080&oq=texas+woman+with+5+kids+got+her+college+degree+and+law+degree+in+texas&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTE3NjE5ajBqN6gCGbACAeIDBBgBIF_xBbXBe3Bglylk&hl=en-US&sourceid=chrome-mobile&ie=UTF-8

raisedeyebrow4891

Depends how long you think the decline will be. If you can hold a LEAP long enough you can make money even if there is a dramatic shift. If the shift stays then you’re out of luck. But take liberation day if you had bough a LEAP at the top right before the tariff announcement you would still be up massively For example: https://www.google.com/search?q=qqq&rlz=1CDGOYI_enUS835US835&hl=en-US&sourceid=chrome-mobile&ie=UTF-8

Various_Couple_764

Most of your investment are growth funds. meaning 99% of your earnings comes from share price increase. There are fund that invest in companies with little to no growth but they produce a profit sharing cash payment to you about once per month or quarterly. So when the market crashed these stocks still (of at least most of them) still pay a dividned. You can get dividends from 1% yield to 100%. but for what the best rang is about 1% to 8%. Some of the safest don't even invest in companes. Bond (corporate and government), and Collateral loan obligations are some of the best. Some of these that I will probably be adding to my portfolio are JAAA 6% yield, UTG 6.3%, UTF 7%, CLOZ 8%, PFFA 8%, Inane bear market dividend producing assets do better than growth assets. In a bull market growth does better than dividends. Since about 1/2 the time the market in a bull or bear condition it only makes sense to have a protfolio that is a mix of dividend and growth.

Various_Couple_764

Crash resistant fund are generally dividned funds that in vest in very stable assets. These funds will go up and down in share price with the market but even in a sever crash like in 2008 they likely will continue to pay a dividend. Some of the best ones I know of are JAAA 6%, UTG 6.3%, UTF 7% CLOZ 8%, PFFA 8%,

Various_Couple_764

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.

Humble-End3397

Guys, guys read Roger Penrose he's already mathematically proven classical computers can"t replace us. Quantum maybe . . . https://www.google.com/search?q=chinese+rooms+penrose&oq=chinese&gs_lcrp=EgZjaHJvbWUqBggCEEUYOzINCAAQABixAxjJAxiABDIKCAEQLhixAxiABDIGCAIQRRg7Mg0IAxAAGJIDGIAEGIoFMg0IBBAAGJIDGIAEGIoFMgoIBRAAGLEDGIAEMgcIBhAAGIAEMgoIBxAAGLEDGIAEMgcICBAAGIAEMg0ICRAAGIMBGLEDGIAEMgoIChAAGLEDGIAEMgoICxAuGLEDGIAEMgoIDBAAGLEDGIAEMgcIDRAAGIAE0gEINTI0OWowajeoAhSwAgHxBYUYy1_N1FyX&client=ms-android-tmus-us-revc&sourceid=chrome-mobile&ie=UTF-8

Zestyclose-Hat-5497

Nah * **Duration:** The crash occurred over four business days, from October 24 to October 29, 1929. * **Market impact:** The [Dow Jones Industrial Average](https://www.google.com/search?q=Dow+Jones+Industrial+Average&rlz=1C1CHBD_enCA1150CA1150&oq=%25+of+crash+in+1929&gs_lcrp=EgZjaHJvbWUqCAgGEAAYFhgeMgYIABBFGDkyCAgBEAAYFhgeMggIAhAAGBYYHjIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQkxOTg1NmowajGoAgCwAgA&sourceid=chrome&ie=UTF-8&mstk=AUtExfC0_GOAr_6iDOT9yr8FZNtNXGyyZKN7GUJu_SEaUFX4fztzRK5pghMMDCB073vd_BsNckQiLGwGU7kVhb8xquuw1p7MdzDkYCZUyusx5BnzHAlZY4fQsYnQ0Z23SGTTXwv8AyBbUUzTug3waXvZVjkVUrisLQtvHPEhyNi52BgQBiM&csui=3&ved=2ahUKEwjogtClkdmQAxWfG9AFHaR9CUkQgK4QegQIAxAC) dropped approximately 25% in those four days and lost nearly half its value by mid-November.

aznoone

The first google ai hit says China wants a reunification with Twain peaceful. [https://www.google.com/search?q=Chine+xi+wants+Twaiin+as+part+of+china+again&oq=Chine+xi+wants+Twaiin+as+part+of+china+again&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIJCAEQIRgKGKABMgkIAhAhGAoYoAEyCQgDECEYChigATIJCAQQIRgKGKABMgcIBRAhGKsCMgcIBhAhGI8C0gEJMzA5MTVqMGo3qAIIsAIB8QUs8mqQN864\_Q&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=Chine+xi+wants+Twaiin+as+part+of+china+again&oq=Chine+xi+wants+Twaiin+as+part+of+china+again&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIJCAEQIRgKGKABMgkIAhAhGAoYoAEyCQgDECEYChigATIJCAQQIRgKGKABMgcIBRAhGKsCMgcIBhAhGI8C0gEJMzA5MTVqMGo3qAIIsAIB8QUs8mqQN864_Q&sourceid=chrome&ie=UTF-8)

Various_Couple_764

Moving assets to income producing securities should be done before you get to retirement to secure reduce your risk. BND is a good choice but there are many good choices. Funds like JAAA 6% yield, JBBB 7.8%, CLOZ 8%, UTF 7%, and UTG% 6.3%. All have higher yield than BND and other government bond funds and historically are very safe investments. less safe but still not terribly risky are PFFA 8% yield, PBDC 9%. But you also need to factor in your expected income needs. you need to have a good estimate of your income needs in retirement and then gradually work on configuring your portfolio to generate more than that income. IF your account generates more than you need and you reinvest the excess income you will never run out of money.

TheInkDon1

If you would, skim through [these Google results](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIOCAEQRRgnGDsYgAQYigUyBggCEEUYOzIGCAMQRRg7MgYIBBBFGDsyBggFEEUYPDIGCAYQRRg8MgYIBxBFGDzSAQgyMTE4ajBqN6gCCLACAfEF_IByZBH8VZ3xBfyAcmQR_FWd&sourceid=chrome&ie=UTF-8). I asked, "What delta should you buy LEAPS Calls at?" See if you notice a theme. Yes, lower delta will work: *sometimes* But 80-delta puts the probabilities on our side, and it still gives us great leverage to the underlying. Many folks do 85, 90, 95, even 100-delta, and I myself am doing 85-delta these days. So you can just *believe* with the rest of us and start out making money, or squander much of your money before coming around to it yourself. If you were my friend I'd tell you to *please* just use 80-delta.

TheInkDon1

I've read through all the replies and you've gotten some good answers. But let me give you a piece of advice, tell you how I do it, then add a twist I don't think many people do. You must've bought those 390's at or OTM, because they're only at 70-delta. *So they're not ready to roll yet.* Here's the advice: ALWAYS [buy Calls at 80-delta or higher.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+del&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIGCAEQRRg5MggIAhBFGCcYOzIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDE3ODhqMGo3qAIIsAIB8QVSnayMn4eIhw&sourceid=chrome&ie=UTF-8) Those Google search results will tell you the same thing. Read the AI answer, then skim through the other hits. Some are here on Reddit. I buy 1y Calls at 80-delta. When the stock/ETF goes up, they go deeper ITM. Their Delta goes up. Whenever there's an 80-delta Call below them, I roll UP. Stay in the same expiration, but roll UP to whatever strike is at 80-delta. You can do it daily, or just on the weekends. But leaving profit locked up in those Calls does 2 things: It lowers the leverage you're getting to the underlying. And it locks up money you could be putting to work somewhere else. When you roll up like that, back to 80-delta, the value of the new Call will be 'about' what you paid for the original one. It almost has to be, if too much time hasn't passed. So that's YOUR money, the money you put into the position. But when you rolled that dude UP and got a Credit, that's *house money.* And what can we do with house money? We can be a little riskier with it. So what \*I\* do, and this might not be right for everyone, is use that profit towards buying 100-120DTE Calls at 80-delta (ALWAYS 80-delta when buying Calls). Why do that? For more leverage. And those you can roll UP too when they go higher than 80-delta. Plow those new profits back into more 100-120-day Calls. It's working [exceedingly well](https://imgur.com/a/lHAq8eS) for me. Also, when the LEAPS Calls start to get inside 1y, and when the shorter Calls start to get inside 100d, roll them OUT to keep them in those two "time corrals": LEAPS you bought with your money, shorter Calls you bought with house money. Let me know if you try it.

TheInkDon1

But OTM Calls are more 'expensive' when the stock goes against you. If you want a lower entry point, IAU costs only 20% as much as GLD. Same for the miners, GDX. And the junior miners, GDXJ, are 25% of the cost. Or try my favorite for some months now, SILJ, at only 25.54 tonight. But please, always [buy at 80-delta or higher.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+del&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIGCAEQRRg5MggIAhBFGCcYOzIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDE3ODhqMGo3qAIIsAIB8QVSnayMn4eIhw&sourceid=chrome&ie=UTF-8)

TheInkDon1

*No, because that would be* ***way*** *too much leverage to SPY* But to get the same exposure to SPY you could take your number of SPY shares, divide it by 100, and buy *that* many LEAPS Calls. You'll have a lot of extra cash left over, which you can put into other things if you want. And 670 is right ATM, and we're 'supposed' to be [buying LEAPS Calls at 80-delta ](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+del&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIGCAEQRRg5MggIAhBFGCcYOzIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDE3ODhqMGo3qAIIsAIB8QVSnayMn4eIhw&sourceid=chrome&ie=UTF-8)or higher. That's a sweet spot of getting good leverage, but not being so close to the money that a good dip in the underlying puts the Call ITM. I like the way you're thinking with time, though. Farther out is better.. Do you know how to figure out the leverage that LEAPS Calls give you? You take spot and divide it by the cost of the Call, and then multiply by Delta. In this case, looking at the Jan '28 823DTE 560C at 80-delta on ToS tonight, it has a Midpoint price of 172.48. And SPY is at 671.30 (that's spot). So: 0.80 x (671.30 / 172.48) = 3.1 *You're getting 3.1x leverage to SPY shares* from that LEAPS Call. So if you wanted to replace shares with a Call like that one, you could take the dollar amount ($1m you said) and sort of divide by that to get $321,000 as the dollar amount of Calls you should buy to get the same exposure. Then you've 679k to put into other things if you want. Have you looked at gold and silver lately?

GaylrdFocker

[Rblcx chart](https://www.google.com/search?q=Rblax&rlz=1C1GCCA_enUS1183US1184&sourceid=chrome&ie=UTF-8) shows the expense ratio and front load. These are not hidden fees.

you_are_wrong_tho

Look at the all time chart for the euro to dollar. [Does it look like we’re crashing?](https://www.google.com/search?q=dollar.to+euro&rlz=1CDGOYI_enUS983US983&hl=en-US&sourceid=chrome-mobile&ie=UTF-8)

Splat_Pie

$PATH check out the companies that already have long term contracts with UiPath. https://www.google.com/search?q=uipath+companys+that+use+service&rlz=1CDGOYI_enUS967US967&hl=en-US&sourceid=chrome-mobile&ie=UTF-8

Bittygirl707

$RXRX Recursion Pharmaceuticals - Keeping an eye on this one. Looks like it wants to run NVIDIA has a strategic partnership with Recursion Pharmaceuticals, which involves a $50 million investment from NVIDIA to support Recursion's AI-driven drug discovery platform. The collaboration focuses on using NVIDIA's AI and cloud-computing expertise to accelerate the development of new drugs by creating and scaling foundational models on its platforms like [BioNeMo](https://www.google.com/search?q=BioNeMo&rlz=1C5ZNUK_enUS1142US1145&oq=nvda+partners+with+rxrx+recursion+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRirAjIHCAQQIRiPAtIBCTExNDg1ajFqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfD5HxwaCkBQuanNumys6M9YMJnqMG88WfeOhMSsUTl_3bEiz3d7US-UZn0iTDwmueA3P4j9sCq4UTfOZ1EoXOj_i8T059Us2trLS1VGRnPbqm4LLgvCo-g1QEhzL_TbXrjBRrIhq7pRtOKprpEvrhpx8m09ZxWxJezZhxWr8z9Tqqs&csui=3&ved=2ahUKEwixwcOx8JSQAxVPPUQIHZ0BGwMQgK4QegQIARAD). Recursion leverages this partnership to speed up its drug discovery efforts, create AI tools for licensing, and potentially treat various diseases. 

Joint-Tester

[Market Summary](https://www.google.com/finance?oq=gold+fut&pf=cs&sourceid=chrome&ie=UTF-8&sa=X&sqi=2&ved=2ahUKEwj1itawhpSQAxVHH0QIHZQgAmQQ6M8CegQIIBAE) \> Gold Futures 4,054.10 USD+49.70 (1.24%)today

you_are_wrong_tho

So sick of reading this everywhere. Look at the dollar to euro all time chart [here](https://www.google.com/search?q=dollar+to+euro&rlz=1CDGOYI_enUS983US983&oq=dollar+to+eur&hl=en-US&sourceid=chrome-mobile&ie=UTF-8)

TheInkDon1

Hi, thanks for saying that! Yeah, kind of arbitrary, but there's definitely a balance involved. A balance to being too close to the money, where a smallish dip in the underlying will affect the value of the Call too much, and far enough ITM that you're not paying too much for time/theta. I wrote this up for someone else in this thread today, but can't find a way to point you to that reply, so I'll just copy it here. The question was: "Why 80-delta and not just-OTM?" \------------------ Because it's better. And safer. And because it's the [generally accepted practice.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+delta+should+you+buy+LEAPS+Calls+at&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRirAjIHCAYQIRirAjIHCAcQIRiPAjIHCAgQIRiPAtIBCTEwMjIyajBqOagCALACAQ&sourceid=chrome&ie=UTF-8) Don't get me wrong, LOTS of things work with options, but it's a matter of balancing returns with probabilities of profit and loss. Say you buy the 465DTE SILJ Call that's just OTM, the **24-strike** (with spot at 23.31). It costs **5.15** right now. What's the Break Even Price on that? It's the strike plus what you paid: 24 + 5.15 = **29.15** Now a few things can happen: SILJ can stay flat for the next 465 days and you lose the whole 5.15. Gone. Or SILJ can go down; same outcome. Or SILJ can up 21% from here, and.......congratulations: *you exactly broke even.* Or SILJ can go up by its Expected Move, reported as $8.20 by ThinkorSwim. And if that happens, the just-OTM Call would be worth: (23.31 + 8.20) - 24 = 7.51 Making its ROI: 7.51 / 5.15 = **46%**. Not bad. But now let's do all that for the **80-delta Call**, the 15Jan27 **18C** that costs **8.65**. Sure, that's a lot more than the **5.15** of the OTM Call, but let's see what happens. B/E is **26.65**. Say SILJ stays flat. What do you lose? You lose the 3.24 of time/*extrinsic* premium you paid for as part of the Call's price. So you lose 3.24 out of 8.65, 37%. Remember that you lost the *whole 5.15* in the OTM case. SILJ can go down, and you'll lose some; or maybe all, as before. But it would have to drop 23% before you lost it all. Or SILJ could go UP to the B/E of the first Call: 29.15. What would this Call be worth then? That number minus the strike: 29.15 - 18 = 11.15. And what did we pay for it? 8.65 Making the ROI: 11.15 / 8.65 = 29% Let that sink in for a minute: in the case where the OTM Call *barely broke even*, the ITM Call makes 29%.

RocketsYoungBloods

from Google: *"You can invest in pre-IPO (initial public offering) stocks by becoming an accredited investor through platforms like Fundrise or* [*Hiive*](https://www.google.com/search?q=Hiive&rlz=1C1GCEA_enUS918US919&oq=how+do+you+get+in+on+stocks+before+IPO&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDc4ODBqMGo3qAIIsAIB&sourceid=chrome&ie=UTF-8&safe=active&ssui=on&mstk=AUtExfATkv5jYcUD9HIYiTgNq_xT9bAcu5JepCvSKlYLamALqrzC2ZwRm2lomz1gAr1nZUZwDstCTGrBLaGojY6TjoZ0BWQZbcBaECVTohOTpOeFukVe7QgFAKO_O8WXEF4wS1VBucKMbSJduvtIXLRG37DbQgXrN6v3mpTDwPTMJyFfHqEf_wpMWNedfd8xQHn1N50x&csui=3&ved=2ahUKEwjp8euD_pKQAxX5PDQIHV2NGGcQgK4QegQIARAB)*, purchasing shares from employees via secondary markets, investing in* [*private equity or venture capital* ](https://www.google.com/search?q=private+equity+or+venture+capital+&rlz=1C1GCEA_enUS918US919&oq=how+do+you+get+in+on+stocks+before+IPO&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDc4ODBqMGo3qAIIsAIB&sourceid=chrome&ie=UTF-8&safe=active&ssui=on&mstk=AUtExfATkv5jYcUD9HIYiTgNq_xT9bAcu5JepCvSKlYLamALqrzC2ZwRm2lomz1gAr1nZUZwDstCTGrBLaGojY6TjoZ0BWQZbcBaECVTohOTpOeFukVe7QgFAKO_O8WXEF4wS1VBucKMbSJduvtIXLRG37DbQgXrN6v3mpTDwPTMJyFfHqEf_wpMWNedfd8xQHn1N50x&csui=3&ved=2ahUKEwjp8euD_pKQAxX5PDQIHV2NGGcQgK4QegQIARAC)*funds, or using certain specialized brokerage platforms. Direct purchases from companies are also an option but typically require significant capital, while retail investors without accredited status can access pre-IPO companies through indirect investments, such as specialized exchange-traded funds (ETFs). "* it's difficult to get shares at IPO unless you're a large institutional investor or venture capital firm that's already invested in the company. take the recent IPO of Figma as an example. it seemed like most retail investors were getting 1 share issued to them at IPO if they were lucky.

TheInkDon1

Because it's better. And safer. And because it's the [generally accepted practice.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+delta+should+you+buy+LEAPS+Calls+at&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRirAjIHCAYQIRirAjIHCAcQIRiPAjIHCAgQIRiPAtIBCTEwMjIyajBqOagCALACAQ&sourceid=chrome&ie=UTF-8) Don't get me wrong, LOTS of things work with options, but it's a matter of balancing returns with probabilities of profit and loss. Say you buy the 465DTE SILJ Call that's just OTM, the **24-strike** (with spot at 23.31). It costs **5.15** right now. What's the Break Even Price on that? It's the strike plus what you paid: 24 + 5.15 = **29.15** Now a few things can happen: SILJ can stay flat for the next 465 days and you lose the whole 5.15. Gone. Or SILJ can go down; same outcome. Or SILJ can up 21% from here, and.......congratulations: *you exactly broke even.* Or SILJ can go up by its Expected Move, reported as $8.20 by ThinkorSwim. And if that happens, the just-OTM Call would be worth: (23.31 + 8.20) - 24 = 7.51 Making its ROI: 7.51 / 5.15 = **46%**. Not bad. But now let's do all that for the **80-delta Call**, the 15Jan27 **18C** that costs **8.65**. Sure, that's a lot more than the **5.15** of the OTM Call, but let's see what happens. B/E is **26.65**. Say SILJ stays flat. What do you lose? You lose the 3.24 of time/*extrinsic* premium you paid for as part of the Call's price. So you lose 3.24 out of 8.65, 37%. Remember that you lost the *whole 5.15* in the OTM case. SILJ can go down, and you'll lose some; or maybe all, as before. But it would have to drop 23% before you lost it all. Or SILJ could go UP to the B/E of the first Call: 29.15. What would this Call be worth then? That number minus the strike: 29.15 - 18 = 11.15. And what did we pay for it? 8.65 Making the ROI: 11.15 / 8.65 = 29% Let that sink in for a minute: in the case where the OTM Call *barely broke even*, the ITM Call makes 29%. But now let SILJ go to the EM point, 23.31 + 8.20 = 31.51 Making the 18C worth: 31.51 - 18.00 = 13.51 ROI: 13.51 / 8.65 = **56%** ***That beats the EM case for the OTM Call.*** So in every reasonable scenario, the ITM Call does better than the OTM. And sure, SILJ *could* exceed its EM, but the probabilities say it won't. And options are all a probabilities game, so put them on your side: **Buy Calls at 80-delta and don't think about it anymore.**

TheInkDon1

I don't hold shares anymore, just LEAPS Calls as stock substitutes. The book *Intrinsic: Using LEAPS to Retire Early,* by Mike Yuen put me on this path. [ $20 on Amazon](https://www.amazon.com/INTRINSIC-Using-LEAPS-Retire-Early/dp/0578814161/ref=sr_1_1?crid=2ISQQ8TNHPUV&dib=eyJ2IjoiMSJ9.tc1jvwZ8ryBIJK0P9QBkWg.a0Wy5ALC9ysuJB7p5OAa6jf6mSrnGyzvcNlEgtVaXT4&dib_tag=se&keywords=intrinsic+using+leaps+to+retire&qid=1759760544&sprefix=intrinsic+leaps%2Caps%2C240&sr=8-1) if you want to have a look. The gist of it is: buy LEAPS as far out as you can, and very far ITM, on Tech stocks, and wait. But I do 80-delta and just a year out, which is a [common recommendation](https://www.google.com/search?q=buy+leaps+calls+as+stock+substitutes&rlz=1C1RXQR_enUS1137US1137&oq=buy+leaps+calls+as+stock+substitutes&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigAdIBCDk2NzFqMGo0qAIAsAIA&sourceid=chrome&ie=UTF-8). And then I sell 16-delta Calls against them, something which Yuen describes, but doesn't seem to do. Right now I'm about 80% in gold and silver ETFs, and 20% in other ETFs.

Load_Bearing_Vent

Sorry for the delay. Here's some help: https://www.google.com/search?q=how+much+money+has+the+trump+family+made+during+his+second+presidency%3F&oq=how+much+money+has+the+trump+family+made+during+his+second+presidency%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRiPAjIHCAIQIRiPAtIBCTE2ODE2ajFqN6gCELACAfEFwKXq5c4lI5bxBcCl6uXOJSOW&client=ms-android-google&sourceid=chrome-mobile&ie=UTF-8 https://www.npr.org/2025/05/21/nx-s1-5406420/trump-accepts-qatar-plane-air-force-one

Various_Couple_764

you might want to invest in funds like eCLOZ 8% yield, JAAA6% yieldThese are CLO funds basically it is a loan obligation that collateral backing the loan. So if the company with the loan goes into default the collateral is liquidated and you get your money back. UTG 6.3% yieldand UTF 7%yield. both are utility funds but there is very little overlap in there investments. The utilities are regulated and are not going bankrupt and shutting down suddenly. All very safe dividend investments. This limits your exposure to the higher valuations of growth funds for now. * This would generate 13K a year and you could invest all that income into growth index funds. Since you are buying in slowly you are basically dollar cost averaging your purchase. in 12 years you would have 200K in growth and 200K in dividend funds. * You can set up automatic monthly purchases of the growth using the dividend income you could also take half of the earnings and put that into roth and reinvest what is [left.in](http://left.in) growth funds. * You could also ignoregrowth funds and reinvest all the dividend back into funds that generated them. I about 12 years you will have 400,000K with about 26K a year of income. * If you loose your hob at any time and need income you can stop rienvesting the dividends and start recieving the cash during the next dividend payment. Which would be a bout a month. Note I am assuming you add no more money to the 200K. So the only money going in is the dividend income. of cource could add a new higher yielding funds for more income.

Great_Molasses_4601

https://www.google.com/search?q=friday+sell+off+stocks&oq=friday+sell+off&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMgoICBAAGAoYFhgeMggICRAAGBYYHjIICAoQABgWGB4yCAgLEAAYFhgeMggIDBAAGBYYHjIICA0QABgWGB4yCAgOEAAYFhge0gEIMzY1MWowajeoAhCwAgHxBSWX7qIIhYYI&client=ms-android-samsung-rvo1&sourceid=chrome-mobile&ie=UTF-8 I see alot of screaming every friday, we literally primarily trade violent shares; that suddenly gain value. I'm just trying to soften that blow if prices drop round the board with such sudden gains.

BranchDiligent8874

Try "rising trend of unemployment for recent college grads" [https://www.perplexity.ai/search/rising-trend-of-unemployment-f-4K0WXW.JS3WCEREnw6nbiw](https://www.perplexity.ai/search/rising-trend-of-unemployment-f-4K0WXW.JS3WCEREnw6nbiw) [https://www.google.com/search?q=rising+trend+of+unemployment+for+recent+college+grads&rlz=1C1CHBF\_enUS979US979&oq=rising+trend+of+unemployment+for+recent+college+grads&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABiABBiiBDIKCAIQABiABBiiBDIKCAMQABiABBiiBNIBCTE0NjY3ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=rising+trend+of+unemployment+for+recent+college+grads&rlz=1C1CHBF_enUS979US979&oq=rising+trend+of+unemployment+for+recent+college+grads&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABiABBiiBDIKCAIQABiABBiiBDIKCAMQABiABBiiBNIBCTE0NjY3ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)

Various_Couple_764

Not that answer applies to a passively manage index fund. They just follow a published index like the S&P500. So if a company goes bankrupt they are off the list and a new company is added. However not all funds are based on an index. And some are activelystock managed. Some fund managers just pick the companies or other assets He believes are good investments. If one goes bad they replace it with another one they like. Now these fund managers can change the mix of assets at any time.based on the funds stated objectives. Now the fund managers Have to spend time researching and analyzing assets and monitoring their portfolio which means there is more work passive or UTF. They invest in utility stock and any any corperate bonds they sell. Now the stated objective of these funds is to generate income for investors So share price appreciation is much lower than most index funds. But the dividend is about 6 times higher than a typical pasive index fund. And the assets they hod are very different. UTG pays a dividend yield of 6.3% while UTF 7%. OR take a look at BIZD or PBDC. Both hold a group of companes called Business Development Companies that by law are required to pay out about 90% of their earnings as dividends. BIZD is based on a BDC index and has an expense ratio of 0.4% and a dividend yield of about 11%. PBDC chooses the BDC's it invests in ands an expense ratio of o.75% and a yield of 9%. With noPBDC has a slightly higher total return. Note for BIZD and PBDC an obscure SEC rule requires they to list expenses they never pay so their listed expense Ratio is about 13%. But if you read the prospectus the real expenses are much lower and I listed the values from the prospectus.

DapperPenguin01

The all time curve is crazy [PSVT all-time](https://www.google.com/search?q=pstv&ie=UTF-8&oe=UTF-8&hl=en-lu&client=safari&sei=JbDZaInqGNqYkdUPmK28oAU)

Various_Couple_764

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%.

Various_Couple_764

Many low beta stocks or funds are Dividend stocks. So you could get: * Low beta * Low volatility. * and income At the same time without adding bonds cash in money market funds. you can get consistent dividend yields of 6 to 10% Which is better yield than banks money market or government bonds. And you can use the dividend to either increase your dividend over time by reinvesting it bank into the fund or stock. Or you could invest the dividend into more growth index funds. UTF 7% yield and UTG 6.3% yield are both good utility funds. Regulated stable companes. JAAA 6% yield and CLOZ 8%. These in collateral loan obligations JAAA invests In AAA rated loans and CLOZ invests in BBB rated loans. These loans are back by hard assets so it the company can't make its loan payment the assets can be sold to pay the investors. EIC 11% yield is a similar fund but it invests in CCC rated CLOs. Dividends are payed out generally quarterly or monthly. and it is not uncommon for dividend funds to pay out there dividend even if the stock price falls in a market crash.

Great_Molasses_4601

https://www.google.com/search?q=will+dragonfly+be+part+of+the+north+american+battery+show&oq=will+dragonfly+be+part+of+the+north+american+battery+show&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRiPAtIBCTEyMjM5ajBqOagCDrACAfEFgeVgjx4bp1zxBYHlYI8eG6dc&client=ms-android-samsung-rvo1&sourceid=chrome-mobile&ie=UTF-8 The Ai spells it out for you, if you google "Will dragonfly being part of the north american battery show"; and go on to list the three discussions they'll ether lead or play big parts of

MannieOKelly

Haven't noticed but your logic seem sound. As AI recalls . . . The "When the shoeshine boy..." phrase refers to a legendary indicator of a market top, originating from the story of [**Joseph Kennedy Sr.**](https://www.google.com/search?q=Joseph+Kennedy+Sr.&rlz=1C1UEAD_enUS1134US1134&oq=when+the+shoeshine+boy+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDczMjdqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCcEoe6_KhZYzBpgm8tHB-YWjvSjyNl4gtSGvvSBGYpUJTAES0GDPa2rjm_eWz_b9MT96FmXzSRtqgEtCqcvrKSsT311wbT8cDBtlekq69i66f61QMTdb4uicuAfii7r2NHOMhb9iwU9eXrzwMeP0vaFUCC1nnxKNYqvcWuZQ6cQqNO6jsawocR9n6fGt_5bJSFlFmOuNSFMz6asmClDyn5sNpCG7DqP71oZ5pk4QKsJlGmG20UCdTQUzNvzZI756n8YzsA1mNf2MvD4HVgBVNU&csui=3&ved=2ahUKEwiOjrz_pfCPAxUvEVkFHdiqOMIQgK4QegQIARAB) observing that when a shoeshine boy gave him stock tips, it signaled widespread public participation and an impending market correction, particularly during the lead-up to the [1929 stock market crash](https://www.google.com/search?q=1929+stock+market+crash&rlz=1C1UEAD_enUS1134US1134&oq=when+the+shoeshine+boy+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDczMjdqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCcEoe6_KhZYzBpgm8tHB-YWjvSjyNl4gtSGvvSBGYpUJTAES0GDPa2rjm_eWz_b9MT96FmXzSRtqgEtCqcvrKSsT311wbT8cDBtlekq69i66f61QMTdb4uicuAfii7r2NHOMhb9iwU9eXrzwMeP0vaFUCC1nnxKNYqvcWuZQ6cQqNO6jsawocR9n6fGt_5bJSFlFmOuNSFMz6asmClDyn5sNpCG7DqP71oZ5pk4QKsJlGmG20UCdTQUzNvzZI756n8YzsA1mNf2MvD4HVgBVNU&csui=3&ved=2ahUKEwiOjrz_pfCPAxUvEVkFHdiqOMIQgK4QegQIARAC). While the story is likely apocryphal, it represents the idea that **widespread enthusiasm for an investment suggests it may be overvalued**. 

Various_Couple_764

Bonds loose out to inflation because their yield is very close to the inflation rate. The long term average inflation rate is 3.2%. So you should be looking for yields of about 6 or higher. You could invest in CLO (collateral loan obligations with JAAA 6% yield from AAA rated loans. or BLOZ 8% BBB rated loans. There are two really good utility funds UTF 7% and UTG 6.3%. You could set dividend reinvestment to off. That way the cash then goes to a money market account earning about 3 to 4% You could spend or reinvest the money in the money market fund. I am retired and I use this aproach for my income. My income right now evceeds my living expenses. So 80 it spent and 20% is reinvested to insure my portfolio grows over time. Annuities are over hyped by marketing and often cost a lot fro the income they provide. And often the annuity locks you into that one investment for a long time. %

Vast_Cricket

They are all big market capitalization companirs. Pay more tax to allow selling AI strategic chip to China from Nvidia. Now China had T figured out. No Nvidia [RTX Pro 6000D](https://www.google.com/search?q=RTX+Pro+6000D&oq=did+china+just+impose+embargo+to+nvidia+chips%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRigATIHCAYQIRirAjIHCAcQIRirAjIHCAgQIRifBTIHCAkQIRifBdIBCTIxOTExajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBmHy-IVciKXDCaUKph79_tJDE4Q42eb7Ycy90Nl1pr9gtCc9S_SGzo0yfXLsopeo3YCsKC4q4mNrejNS-XnWouhJEliEEfiD0JQi7ESx7Eppi66WcJ2dgXvHXhmbbr_isF56tYeRpyYWdx7FQrgX-zG6oM6hVK8YJwFddQjl-qx1o&csui=3&ved=2ahUKEwjI25L6keqPAxXNIkQIHTNPBMEQgK4QegQIARAF)! T froze $400M grant for weapons delivered to Taiwan let it fend for itself life as a concession. For the first time he is favoring Tictok after he finds out his young voters use that site. He saw Trump noted that the Tictok had helped him gain support among young voters in 2024. He concluded that banning TikTok would hurt his popularity and had an advantage to Meta, he views as an "enemy of the people". T only thinks about himself with little concern for people safety, easily fell into geopolitical baits. No, he will not surround with poor people. Likes billionaires and blondes.

Worldly-Cockroach800

An **ETF sector** is an [exchange-traded fund](https://www.google.com/search?q=exchange-traded+fund&rlz=1C1MYPO_enUS1173US1173&oq=what+is+an+etf+sector&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjINCAQQABiGAxiABBiKBTINCAUQABiGAxiABBiKBTIKCAYQABiABBiiBDIKCAcQABiABBiiBNIBCTU5MzRqMGoxNagCCLACAfEF_lUT6Wh_AujxBf5VE-lofwLo&sourceid=chrome&ie=UTF-8&mstk=AUtExfAfpxBzwrHGOx97_n9K59Gz9xiFOVikmz1NdHQtqRF7kNOBCTY0OO7zrI9MZ7jBVZ_U57W_bx6EurHOvtdAUiknfMbf2KQaNUKSZoJQHUhbvBux54D4yqz3I0Bi7mhi71u9uvaZFL4mCUkt94GtRbPOlTiQr_WaDLz4kVMPvYn7TII&csui=3&ved=2ahUKEwiznO-nkeiPAxWfmmoFHWltBbUQgK4QegQIARAB) (ETF) that invests in the stocks of companies within a specific economic sector, such as energy, technology, or healthcare. Instead of buying individual company stocks, an investor buys one share of the sector ETF to gain diversified exposure to all the companies in that sector, which can reduce risk compared to a single stock. Sector ETFs offer a way to invest in a particular industry or a specific part of the economy. 

Various_Couple_764

You can move the account to a brokerage without insuring taxes. I use fidelity. All you have to do is contact them provide them with he account number for the american express account number and fill outcome forms and they will mov the acount to fidelity. >I guess I realize I lost money by not putting it in stocks and by inflation. I just don't know what to do.  IT is important to realize your fear of risk is is not based on your experience with your investments but your fear of not knowing what will happen. In most cases the fear is a lot larger than actual risk. In my IRA I have a bond fundFAGIX that ear a steady 5% yield but I also have JAAA 6%yield, CLOZ 8%, UTG6.3%, UTF 7%, PFFA 8%. All of these investments produce cash payments into your account regardless of what the share price will do.The share pirice may go down but the cash will still be deposited quarterly. Generally people like you do better with these investments. Now you can add up to 7000 a year into an individual IRA. I strongly suggest you do this every month. Over time as you get more failure with these funds your fear will drop. Some higher yields can be achieved with slightly more risk with funds like PBDC 9% yield, SPYI 11%. And you could put some money in VT. All of these do hold stocks. Start out small first and gradually increase the ammount. in them.

kipvan60

The biggest joke of it all is that people generally think we do better under republicans, however the numbers just don’t jive, gdp better under dems over the past 50 years, stock market returns better under dems, hiring and private sector employment, that’s right you got it dems. https://www.google.com/search?q=who+does+better+Democrats+or+Republicans+as+to+GDP+growth+stock+market+returns+and+hiring+over+the+last+50+years&rlz=1CDGOYI_enUS1050US1050&hl=en-US&sourceid=chrome-mobile&ie=UTF-8&spknlang=en-US&inm=vs&vse=1

sadandconfused32

https://www.google.com/search?q=google+ad+tech+decision&oq=google+ad+tech&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIJCAQQABgKGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgcIBxAAGIAEMgcICBAAGIAEMgcICRAAGIAEMgcIChAAGIAEMgcICxAAGIAEMgcIDBAAGIAEMgcIDRAAGIAEMgcIDhAAGIAE0gEINDU3N2owajSoAgGwAgE&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8

sadandconfused32

https://www.google.com/search?q=google+ad+tech+decision&oq=google+ad+tech&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIJCAQQABgKGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgcIBxAAGIAEMgcICBAAGIAEMgcICRAAGIAEMgcIChAAGIAEMgcICxAAGIAEMgcIDBAAGIAEMgcIDRAAGIAEMgcIDhAAGIAE0gEINDU3N2owajSoAgGwAgE&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8

PaperHandsTheDip

chat no understand. The more you tilt chat - they more alhpa they punt you. "YOU ARE WRONG AND HERE IS WHY". Like guys - the military has this exact same problem. Ya'll actually monkeys lol. Thanks for the alpha. See: War Thunder. Chat no understand how much you leaking here. "weapons systems have been repeatedly leaked on the [War Thunder](https://www.google.com/search?q=War+Thunder&rlz=1C5OZZY_enCA1148CA1148&oq=war+simulator+leaks+military+specs&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQABjvBTIHCAIQABjvBTIHCAMQABjvBTIHCAQQABjvBTIHCAUQABjvBdIBCDU2NDFqMWo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfChF5AlO3lOlTblhhlwEevzYF_hGd5dRnh4FTDtYdeMFwazFTRy2fb0BcvY8_w5Emydbe6fSEM-kII4KBwccOjEywB1KtZp1Eli0ECltJrBQVAexZfyoOKDgn16cW_nvs_2y1WnI7NBNg0dmIJQuyfQQJzFs7orZlbP9oha_FlrGOk&csui=3&ved=2ahUKEwjmgNOrhOGPAxU-ADQIHSNeFu0QgK4QegQIARAE) game forums by players seeking to influence in-game accuracy". This is the exact same. Paperhands trolls you, you tell him why he wrong... so he buys and prints. Thanks chat. You monkey. LOL

Various_Couple_764

there are always people saying don't invest for X reason or invest for Y reason. Ignore all that and focus on understanding the investment your advisor is recommending read the prospectus for any funds an in general learn how to evaluate your investments. Your advisor can probably guid you or recommend classes or books to read to help you learn. Right now this is all new to you so I would ignore the news and focus on learning about dividend and growth investing and and evaluating 12K a month you are going to owe taxes on that. So keep that in mind and make sure you have have a tax advisor. But that said what i would do is invest the money in low risk dividend stocks. Such as JAAA 6%, UTG 6.3%, UTF 7%, CLOZ 8%, PFFA 8%. Eventually the money your are getting now will run out. When it does you want something to fall back on. All these funds generate cash dividends.

G0RD0N_CLARK

On September 18, 2024, the Federal Reserve cut its benchmark [federal funds rate](https://www.google.com/search?q=federal+funds+rate&oq=9%2F18+fed+cut&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yDQgCEAAYhgMYgAQYigUyDQgDEAAYhgMYgAQYigUyCggEEAAYogQYiQUyCggFEAAYogQYiQUyBwgGEAAY7wXSAQgxOTExajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfD109Qa0r7O2u89UP9RDRVVR6SUN180fiAquUwRb69LlPcncazBHLSKVDgbihKTRFBj0F34h8QymBtmhgICRLOx4pvOszGb_KK-_LYGnILEG7FuBPKqRM1fM9Uq5dw6BjSENSgrXE2pIZrZnIlw5bSHoqV-4Xe7t7X-R9sy8TtdHec&csui=3&ved=2ahUKEwjl2r2o7d2PAxWiHDQIHTx6ISkQgK4QegQIARAC) by a half-percentage point (50 basis points) to a range of 4.75%-5.00%. This decision marked a pivot from the Fed's efforts to control inflation and was driven by increased confidence that inflation was sustainably moving toward their 2% target, while also aiming to prevent further weakening of the labor market. The cut was larger than usual and signals the start of an easing cycle, with more rate reductions expected in the near future.  Turns out, they were wrong about inflation AND a year later labor markets were fucked too. Well done regards.

NoBack2118

https://www.google.com/search?q=next+fed+rate+meeting&oq=next+fed+&gs_lcrp=EgZjaHJvbWUqDQgAEAAYgwEYsQMYgAQyDQgAEAAYgwEYsQMYgAQyDQgBEAAYgwEYsQMYgAQyDQgCEAAYgwEYsQMYgAQyBggDEEUYOTINCAQQABiDARixAxiABDINCAUQABiDARixAxiABDINCAYQABiDARixAxiABDINCAcQABiDARixAxiABDINCAgQABiDARixAxiABDINCAkQABiDARixAxiABDIKCAoQABixAxiABDIHCAsQABiABDINCAwQABiDARixAxiABDIHCA0QABiABDINCA4QABiDARixAxiABNIBCDQ5MDdqMGo3qAIUsAIB8QX200kupjvaL_EF9tNJLqY72i8&client=ms-android-verizon-us-rvc3&sourceid=chrome-mobile&ie=UTF-8

ElonBotX4TrumPeeTape

They add in a new option, like food/drink flavor. Also from the 2 listings I checked, there are no reviews for the 17 model, so at least not blatantly faking them... yet. [1](https://www.amazon.com/product-reviews/B0FGY89G9W/ref=cm_cr_arp_d_viewopt_fmt?ie=UTF8&reviewerType=all_reviews&formatType=current_format&pageNumber=1) [2](https://www.amazon.com/product-reviews/B0FKSZFNZN/ref=cm_cr_arp_d_viewopt_fmt?ie=UTF8&reviewerType=all_reviews&formatType=current_format&pageNumber=1)

beerion

Your intuition is definitely right. More blades typically mean more thrust & more noise assuming constant RPM. The idea is that for a given thrust, more blades means that they can operate at lower RPMs. Here's an interesting comparison for different aircraft (source: Joby): [LINK](https://www.google.com/search?q=How+Quiet+is+the+Joby+Aircraft+During+Flyover%3F&oq=How+Quiet+is+the+Joby+Aircraft+During+Flyover%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRg9MgYIAhBFGD3SAQczOTlqMGo0qAIAsAIB&sourceid=chrome&ie=UTF-8) In addition, Joby also does some very interesting things with their design. [The spacing of the blades on a given rotor isn't uniform.](https://verticalmag.com/opinions/jobys-airworthiness-criteria-a-blueprint-for-the-nascent-evtol-industry/#:~:text=However%2C%20the%20FAA%20thinks%20that,not%20be%20a%20limiting%20factor) This helps with blade wake interactions with adjacent blades. >An interesting design feature on Joby’s JAS4-1 eVTOL aircraft is the use of six five-bladed composite, variable-pitch propellers, **with blades that are spaced asymmetrically around the hub for noise reduction**. And then I've heard (but haven't really verified) [that they are able to do some things to avoid all the rotors spinning at the same RPM](https://www.engineering.com/how-joby-aviation-created-its-low-noise-flying-taxi/). >Each propeller can also independently adjust its rotation speed, tilt, and the pitch of its blades. That, Papadopoulos explains, enables the aircraft to minimize the interactions between the blade tips of one propeller and the aerial vortices caused by the blade tips of another. Since the rotor blade tips slice the air at half the speed of sound, suppressing these vortices is extremely important. So it seems that there are two factors that really affect noise - tip speed & interaction effects. You can only get tip speeds down so much (you can't not spin the rotor if you want to fly). Joby has spent a lot of effort on the latter in getting the interactions between blades and rotors down. Joeben has described these interaction effects as the primary cause for "sound quality". This is what creates the whop-whop sound from a helicopter. It's all very fascinating. You should follow the r/Joby sub. It's a pretty good resource to casually follow. It seems like there's always an interesting nugget that comes out of every press release or interview, so it's nice to follow along without putting in all of the legwork yourself. And it's not as cult-ish as some of the other single stock subs as you'll find critical analysis as well. Note that I also have an aerospace background, but my specialty isn't in propulsion...

BallsOfStonk

It used to be a beverage company. It is now a shell company, looking to pump the stock on hype, and acquire patents in an attempt to look legit. It is a full on scam, and they have zero products and zero revenue. https://www.google.com/search?q=qubt+becerage+conpany&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&dlnr=1&sei=3g65aLf7OoKl0PEPp-OmsAE

Various_Couple_764

You could invest the money in JAAA 6% yield and JBBB 8% yield and PFFA 8% UTF 7% and UTG 6%.Thes all invest in different assets and provide a much better yield. These are dividend funds that pay out quarterly or monthly. Some higher yielding options are PBDC 9%, ARDC 10%,EIC 11%, and SPYI 11% the lower yielding funds are safest while the higher yielding funds have slightly higher risk. YOU will have to use a taxable brokerage acount for these funds. Set dividend investment to off. Cash will show up in the account and from there you can move that to your bank account. The higher yield of these funds will probably double your income. Any money you don't spend reinvest it for more income. Your taxes will go up due to the higher income. So you probably will have to make some adjustments to your tax withholding. I strongly suggest you read the book The Income Factory. and look at Armchair income on youtube.

GoZukkYourself

[Taco Bell](https://www.google.com/search?q=Taco+Bell+rethinks+AI+drive-through+after+man+orders+18%2C000+waters&rlz=1C1ONGR_enUS1121US1123&oq=Taco+Bell+rethinks+AI+drive-through+after+man+orders+18%2C000+waters&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRg90gEJMTQ2M2owajE1qAIAsAIA&sourceid=chrome&ie=UTF-8) rethinks AI drive-through after man orders 18,000 waters There is always one asshole who has to ruin things for everyone else.

Fit-Implement-8151

LOL. Not exactly, dummy. https://www.google.com/search?q=amazon+recovery+from+.com+bubble&oq=amazon+recovery+from+.com+bubble&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRigATIHCAYQIRirAjIHCAcQIRirAjIHCAgQIRifBTIHCAkQIRifBTIHCAoQIRifBTIHCAsQIRifBTIHCAwQIRifBTIHCA0QIRifBTIHCA4QIRifBdIBCDk1NjJqMGowqAIAsAIA&client=ms-android-verizon&sourceid=chrome-mobile&ie=UTF-8 If you invested in Amazon through the decline you are now a multimillionaire. You're a trader not an investor.

MattSmith5416

All in on ($ACHV) Long term (Ai Overview) https://www.google.com/search?q=achv+stock+target+price&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

Psynaut

I am really interested in your post, but also a little confused on the details. If you wouldn't mind adding some clarification. >QQQI 13% Yield, ARDC 12%, SPAYI 11%, EIC 11%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6% FAGIX 5%. * The above is only 50% of your portfolio, and the other 50% is in growth ETF not part of the list above? * Most important question: The 5K in monthly income you receive is based on what dollar amount invested in the above portfolio? * Those numbers add up to 87%. Where is the other 13%?

Various_Couple_764

The solution to this cash reserve problem is not to use cash or growth index funds as a reserve for a market down turn. Instead consider investing your cash and taxa able brokerage holdings into dividend funds. For example if we take your 150K of cash and reinvested that for dividned. Now with 150K we cannot get enough cash to provide 9K a month. but with BTCI 25% yield you could get 3K a month of income Now normally I would recemond QQQI with its 13% yield due to my risk tolerance. BTCI is the maximum yield I would be comfortable with. But with your cash and taxable brokerage invested in BTCI you would bet very close to 9K a month. If you just use the cash in BTCI and reinvested all the money back into BTCI you will have 300K in BTCI and would have an income of 6K a month. If you don't need the money reinvest it in other funds to reduce single fund risk. or you could use the money to pay off a home loan or any debt you have. Reducing your living expenses. The key things to remember about dividneds is that the money is from the companies profits. And ever in 2008 and the dot. crash most companes were still profitable and still payed their dividends. I retired at 55 and I invested in QQQI 13% Yield, ARDC 12%, SPAYI 11%, EIC 11%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6% FAGIX 5%. A mix high yield and lowe less risky yields And I still have 50% of my portfolio in growth index funds. My living expenses are about 4K and I currently get 5k from dividends so 80% of my income covers my living expenses with the remaining 20% being reinvested for more income. Now if there is a correction in the market most of my dividend income will continue. But if not I can sells some growth for additional income. A good book to read is the income factory. And armchair income on you tube invests the same way but does good reviews of funds that can be used for income.

Various_Couple_764

I would recomend diversifying into high quality dividend funds That way when the market falls the dividends will help contract some of the decline. I am using dividend funds like QQQI 13% yield, ARDC 12%, SPYI 11% EIC 11%, PBDC 9%, UTF 7%, UTG 6.3%, PFFD 6%.

yonghypeboy

Excuse me? A new stock?? click the link below. https://www.google.com/search?ie=UTF-8&client=ms-android-verizon-us-rvc3&source=android-browser&q=rddt

SaltyTruthteller

Sorry, Fred Harrison https://www.amazon.com/Power-Land-Fred-Harrison/dp/0856835420/?_encoding=UTF8&pd_rd_w=RKGlP&content-id=amzn1.sym.0fb2cce1-1ca4-439a-844b-8ad0b1fb77f7&pf_rd_p=0fb2cce1-1ca4-439a-844b-8ad0b1fb77f7&pf_rd_r=139-8614203-6561864&pd_rd_wg=E1suK&pd_rd_r=e3b9ef51-a1a3-46a8-8fc6-87a0d3d87e42&ref_=aufs_ap_sc_dsk

Various_Couple_764

Look at UTF is pays out 7% of the share price per year. And if you purchases one share of stock 20 years go it will still pay out 7%. ARCC founded 20 years ago and has been paying 0% dividend each year since. Investing in risky growth stocks isn't the only way to make money.

EvolvingDior

The dotcom bust occurred because people realized that to make the money that the CEOs were promising, users would need to consume 5 different ads every second and read 10,000 spam emails a day. No one was doing the math. No one wanted to hear about practical growth limits. I was on a team that was designing, and I shit you not, an email system designed to scale to 1T emails a day. These were advertising email. Because that was what was promised to investors. Now, at the time, only about 1B people had internet access. And we were one of a dozen major players in email content delivery. The funny thing is, scaling the delivery platform so we could brag about numbers was important. But supporting UTF-8 -- needed to reach the majority of potential targets -- was not a priority. Neither was reliable opt-out. It just had to "mostly work". In 2000, the laws of nature started to take over. The natural limits of growth were becoming apparent and people realized that the PEG ratios were a fantasy. The only companies that really survived were ones that had used their funny money to diversify into adjacent non-internet areas.

Various_Couple_764

right now you have two choices, open a a roth or a taxable account. I don't know if you have access to a 401K. I am assuming right now you don't. with 800 a month you and the roth depoist limit of 7000 you will have enough to open a roth and taxable account. Max out your roth every year. Most just invest in growth index funds Like S&P500 index funds. but with he deposit limit in 20 yours you would longly have about 500K available for retirment and it would not generate any meaningful income. In my opinion The best Roth investment is a high yield dividend fund like BTCI 25% yield. In 20 years you will have about 3.9 million in the acount producing 900K of dividned income a year. Yes there are some risks with a yield at 25% but it is the highest reasonable safe yield I know of. Realistically in 10 years i would start diversifying your investments in the roth. I am currently investing in QQQI 13% yield, ARDC 12%, SPYI 11%, EIC 11%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6%. All would would make good additions to your roth when you start diversifying away from BTCI. And all are good choices for a taxable account. Once you reach the 7000 limit in the roth open a taxable account and start investing for dividends. The purpose of the taxable account is to give you a backup source of income. having a lot of dividend income is great backup in case your are unemployed or cannot work for medical reasons. I am following an investment stratagy similar to the book The Income Factory. Armchair income on youtube also follows this stratagy. Both list the funds they use or have used and that that is 100 in total. Armchair income also does detailed reviews of his investment choices. Which give you a good look at why he picks the funds he insists in.

Various_Couple_764

your could sell it off slowly and reinvest the funds for dividends. Dependinding on the yield the reinvestment you could get yearly cash income generation of 50k up to about 100K of income from your investments. Cash generated in the 401K will have to stay in the 401K until you reach age 60. But you can reinvest this cash to grow your earnings. IF the stock is in a taxable acount you could replace a immergeny fund with a passive income fund. I would read the book the income factory. It is about investing for dividend income. and list 68m funds the author has used plus several example portfolios. There ia also Armchair income on youtube. he list 38 funds has has in his dividend portfolio. and does detailed reviews of some of them and other funds that may be of interest. He also interviews fund managers and did interview the author of The Income Factory. That should give you enough ideas to on how to invest the money. I am currently using QQQI 13%, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6%. 5

Three_of_a_kind3515

Just incase you didn’t hear.. some Celsius got mislabeled.. mixed it up with Hi Noon vodka drink.. https://www.google.com/search?q=celsius+recall+high+noon&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

Various_Couple_764

buy when the market is down 20% to 30% at that point it may not go much lower. The market has only lost 40% in a year 3 times in the last 100years. IF possible invest in dividend funds Dividend funds generally perform better in a recession than growth funds. She good dividend funds are QQQI, SPYI, PBDC, UTG, UTF, PFF.

cambeiu

[ARKK over the past 5 years](https://www.google.com/search?q=ARKK&rlz=1C1CHBD_enMY1019MY1019&oq=ARKK&gs_lcrp=EgZjaHJvbWUyEQgAEEUYORhDGOMCGIAEGIoFMhIIARAuGEMYxwEY0QMYgAQYigUyDQgCEAAYgwEYsQMYgAQyBwgDEAAYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBwgGEAAYgAQyDwgHEC4YChiDARixAxiABDIHCAgQABiABDINCAkQLhivARjHARiABNIBCDEwNTVqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8). [VTSAX over the past 5 years. ](https://www.google.com/search?q=vtsax&rlz=1C1CHBD_enMY1019MY1019&oq=VTSAX&gs_lcrp=EgZjaHJvbWUqDAgAECMYJxiABBiKBTIMCAAQIxgnGIAEGIoFMgcIARAAGIAEMgcIAhAAGIAEMgcIAxAAGIAEMgcIBBAAGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgYIBxBFGDzSAQgyMzgzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)

bocageezer

Utility- and Energy/MLP-related funds should do well, like UTF, UTG, ASGI, TYG, KYN, et al.

Ignoble66

im old check these out https://www.google.com/search?q=what+are+ghe+ildest+companies+in+the+world&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

dodgyrogy

Trump gets laughed at when he states during an interview, "I'm basically a truthful person..." [https://www.google.com/search?q=im+basically+an+honest+guy+trump+interview&oq=im+basically+an+honest+guy+trump+interview&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRiPAtIBCjE0MDEzajBqMTWoAgiwAgHxBXUSQfWjmK3H&sourceid=chrome&ie=UTF-8#fpstate=ive&vld=cid:4471edd2,vid:0k\_lovaW8n4,st:0](https://www.google.com/search?q=im+basically+an+honest+guy+trump+interview&oq=im+basically+an+honest+guy+trump+interview&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRiPAtIBCjE0MDEzajBqMTWoAgiwAgHxBXUSQfWjmK3H&sourceid=chrome&ie=UTF-8#fpstate=ive&vld=cid:4471edd2,vid:0k_lovaW8n4,st:0)

Various_Couple_764

There is a lot of risk in yieldmax funds. That doesn't mean they will fail tomorrow or next year. We simply don't know how long they can keep paying these very high yields. There are a growing number of people that put in only the ammount they are willing to loose and then use the dividend income to buy less risky stocks. That is what i am thinking doing and and I suggest to do the same. Lower risk investements I use are PFFD 6% Yield, UTF,7%, UTG 7%, Scab 7%, PBDC 9%, EIC 10%, SPYI 11%, ARDC 12%, and QQQI 13%.

ryanpaulowenirl

https://www.google.com/search?ie=UTF-8&client=ms-android-ee-uk-rvc3&source=android-browser&q=prescription+meta+glasses already a thing

Various_Couple_764

Most economist are expecting higher inflation due to the tariffs and with growing world economic instability I would now focus more in on passive income investments. Such as these dividend ETFs: QQQI 13% yield, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, UTG / UTF / SCYB all with7% yield, A.nd PFF 6%. These funds in a roth or 401K will compensate for the potential lower earning of index fund so your retriemtn account will do better than one without dividends. In a taxable account then income would help protect your from unemployment.

TheInkDon1

Options aren't a "thing" you "do". Theyr'e just another way to invest in (make money from, hopefully) stocks and ETFs. I'm guessing you don't have that first piece yet, how to invest. Start there, grasshopper. Figure out why you would *want* to invest your money in a particular ETF or stock, and only *then* do it with options. Amazon, 4.7 stars on 257 reviews: [Investing All-In-One for Dummies](https://www.amazon.com/Investing-Dummies-Business-Personal-Finance/dp/1119873037/ref=tmm_pap_swatch_0?_encoding=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.5ERdsP8s79oJPXwgcXc95GSwiHNw4gtLuLfXJHkuYKv-TI24QuaMIM7Iukv_M4tDf9xqx_IdDNCbmReVtJQMRag1wQjsOwVEug2qNhbXbthMm79bufjMvHdZf4ELUbMqm988ibIqUmwnLJY9Nqg9M9hzIiY2wy1rYrQ1j68H0qtSd2pX6QVk4Apqdi6y5HHFOsKWSZagF4EYAqMwcKp4rZFDOADF07IFaGlDYecemu_IfaenDkv2L6chkky_gtaRyk6qbUl04BZY5lv-wZvPgOGwfznhVAcJecBXRRzKtdQ.8LKjSwFY__h8ST6wcCZ0pZHJt4BYQHd9C1-i2ZhlmR0&qid=1753799110&sr=8-2) Would be the best $37 you've ever spent. Or see if you local library has it or can get it.

Careful-One5190

He's asking about the business of powering those data centers, not the business of owning data center properties. I invest in that space through utilities and infrastructure funds like UTF, UTG, and BUI.

Carolinaathiest

Wrong again. [https://www.google.com/search?q=who+imports+european+products+to+the+us&rlz=1CAPUVO\_enUS1062&oq=who+imprts+european+products+to+the+&gs\_lcrp=EgZjaHJvbWUqCQgBECEYChigATIGCAAQRRg5MgkIARAhGAoYoAEyCQgCECEYChigATIJCAMQIRgKGKABMgkIBBAhGAoYqwIyCQgFECEYChirAjIHCAYQIRifBTIHCAcQIRifBTIHCAgQIRiPAjIHCAkQIRiPAtIBCTI3MDEzajBqN6gCCLACAfEFWps9fBf0bcc&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=who+imports+european+products+to+the+us&rlz=1CAPUVO_enUS1062&oq=who+imprts+european+products+to+the+&gs_lcrp=EgZjaHJvbWUqCQgBECEYChigATIGCAAQRRg5MgkIARAhGAoYoAEyCQgCECEYChigATIJCAMQIRgKGKABMgkIBBAhGAoYqwIyCQgFECEYChirAjIHCAYQIRifBTIHCAcQIRifBTIHCAgQIRiPAjIHCAkQIRiPAtIBCTI3MDEzajBqN6gCCLACAfEFWps9fBf0bcc&sourceid=chrome&ie=UTF-8)

Various_Couple_764

There are many types of ETF, Most here are referring to index ETF. But there are also dividend ETF, covered call ETF, Collateral Loan obligation ETF, and credit ETFs. And then for most of these your would also find CEF (Closed End funds). CEF are more like investment businesses instead. ETF are more like mutual funds but listed on the stock exchanges like. CEFs are listed on exchanges like common stocks. Mutual funds are generally not listed on exchanges. Each has different uses and performance. So you can use a combination to suit any need. CEFs I like are ARDC 12% dividend yield, EIC 10%. UTF 7%, UTF7%. Some very good covered call ETFare QQQI 13% dividend yield, and SPYI 11%. These also take steps to reduce the tax you pay on the dividend you receive. They are great for generating income in a taxable acount.

Various_Couple_764

Target date funds gradually sift their investments from mostly growth to income over time. So when you retire you have enough income to cover living expenses with enough growth so that you can maintain that income over time. Ideally you want more income than you need in retirement with enough growth to insure you never run out of money. Target date funds as a result of their investment stratagy are actively managed. Most growth index funds are passively managed. Meaning more people are needed to select the income investments and trim investments that don't work out. More people means more expenses. 0.75 is actually normal for actively managed funds. while 0.3 or less is about normal for passively managed growth index funds. But if you want you could do it yours with say 50% growth index funds with the remainder invested for income from dividend funds. Many focus on bonds but the yield is often too low for that to work well. Bonds barely keep up with inflation. But excluding government bonds you can get much higher yields. 9%, UTF 7%, UTG 7%, SCYB 7%, PFFD 6%. And I do have FAGIX a bond dung that earns 5%. But the bulk of my earnings comes from yields greater than 6% With an average yield slower to 9%. My current income is about 5K a month.

GAV17

> DBMFSIM/DBMFX: SG CTA Index (2000-2019) + 2.5% p.a. - 0.85% p.a., DBMF (2019-present) > DBMF is not bound to any index, but tries to replicate the gross return of large CTA hedge funds. The SG CTA Index reflects the net return of 20 large CTA hedge funds open to new investment. Thus, although they likely have similar return profiles, DBMFSIM performance before 2019 should not be taken as a one-to-one replication of how DBMF would have performed back then. [Should use this image.](https://www.google.com/search?q=survivorship+bias&oq=survivorship+bias&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDU2MzBqMGo0qAICsAIB&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8#vhid=Wdd5gVwx1EipLM&vssid=_0qR9aIuyHIDT1sQPy6LO-Q4_45)

Various_Couple_764

This is why I switched from growth index fund to dividend ETF and CEF fund. I am currently invited in QQQi 113% yield, ARDC 12%, SPYI 11%, EIC, 10%, PBDC 9%, SCYB 7% UTF 7%, UTG7%, PFFD 6%. Overall these funds produce 5K a month of income. Most goes to living expenses including healthcare I retired at 55). But 1K a month is reinvested which will help minimize inflation. When the dividends come in they go straight into a money market. fund. So I always have cash on hand. But I plan on keep a sizable amount in growth index for emergency needs, Unexpected large bills, and if needed I can harvest some growth and use that to increase my income as an inflation adjustment. The funds can also be used to replace any fund if it starts having issues.

Various_Couple_764

A couple of years of savings is out of reach for most people. However historically during long bear markets dividend perform much better than growth funds. If you invest in utility funds like UTG and UTF both with a dividend of 7% they will do better when S&P500 index funds have zero or negative returns.

Various_Couple_764

Personally I find I like cash dividends for income. I have minimal ammount. in government bonds because the yields are so low. Right now some my favorite investments are QQQI 13%, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9% RLTY 8%, UTF 7%, UTG 7%, SCYB 7%. PFFD 6%. I am getting about 5K of income a month from these sources.

Various_Couple_764

With CD the maximum yield you are likely going to find is about 6%. However with a und like QQQI you can get a yield of 13%. And there are lot of choices in the 6 to 9% ranks for dividend ETF or CEF funds. And it is also possible to find yields win the 20% range or higher. I am investing in QQQI 13%, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, RLTY 8%, UTF / UTG / scab 7%, and PFFD 6%. And unlike CD they don't expire. meaning once you have built the portfolio the dividneds will continue to come in indefinitely. I currently get 5K a month of dividend income and I am retired.

Various_Couple_764

I would not useChat AI for invesment advise. i would rather read the book The Income Factory. And youtube ArmChair income is an excellent resource. I am investing in these fund with the following yields; QQQI13% yield, ARDC 12% , SpYI 11%, EIC 10%, PBDC 9%, RLTY 8%, SCYB 7%, UTF 7%, UTG 7%, PFFD6% That work out to an average yeild of about 9%.