UTF

Sensitive-Exam649

To get some upside you are going to take more risk. That is unavoidable Probaly the safest thing you can do is to invest in corperate bond SCBY 7% yield. Or invest in CLO (collateral loan obligations) fund such as JAAA 5.5% yield and CLOZ 8% yeild. Now these don't have much growth but they have a higher yield. If you want partial gains EMO 8% yield, UTF 7% yield, and UTG 6.8%. and the income from these funds is classified as a preferred dividend so you pay less in taxed than you do with bonds. And if you want even lower taxes use covered call funds like GPIX 8% yield or SPYI 12%yield.

nosoupforyou2024

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jpdoctor

[Just google it.](https://www.google.com/search?q=brent+prices&oq=Brent+price&gs_lcrp=EgZjaHJvbWUqDQgAEAAYgwEYsQMYgAQyDQgAEAAYgwEYsQMYgAQyBggBEEUYOTINCAIQABiDARixAxiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDM5OTBqMGo3qAIAsAIA&sourceid=chrome&source=chrome.ob&ie=UTF-8)

Sensitive-Exam649

If you have something that generates interest or dividend divid 72 by the interest. So for example a bank saving account earning 4% 72/4= 18 years for the money to double in value. So if you want something to double in 10. years a fund with a yield of 7% would work. UTF 7% yield has a 20 year track record of never cutting its yield. So with the dividend reinvested you will double your money in 10 year swith this fund. To double your money in 5 years you need a yield of 14%. QQQI, IWMI,and MLPI, BTCI all have a yield high enough to do it. Again you have to reinvest all the dividends and of course the yield has to stay stable for 5 year. These are all NEOS funds which don't have a lot of history. But the oldest NEOS fund is 4 years old and it yield has been stable at 12%. Now the S&P500 index funds generally have an average total return of 11% so it should doublet its value in about 6.5 years . But since growth if far more volatile than dividned income there is a much higher chance that it will not double on schedule. in fact if you purchased these index funds in 2000 you likely would have to wait 14 years for the moeny to double.

Sensitive-Exam649

A mareket crash can be an emergency if you loose your job at the same time and your 12 month emergency fund gives you 1 year to find another job. But if you look back to 2008 the crash happened slowly in 2008 and unmpolyemnt was high for several years. I now people that were unemployed for several years after 2008. So no mater how much cash you have it might not be enough. For a long loss of income I have found that investmeitng for dividend in a taxable account can work with your cash emergency fun d and in fact help you through a long emergency or help you work toward getting a home. For eaxample I have funds invested QQQI 14% yoked, adnSPYI 12% and EMO 8%, UTF 7%, UTG 6.8%. Over the years you can build ups this monthly income from these funds so that they provide a stable income source that you will still have even if you are unemployed. And when you are employed you can use the dividned to keep your cash emebency fund full , invest the extra money. Additionally you can get a home with home loan and then use the dividned income to cover the loan. Same can be done with a car purchase. Or you could use your cash tomboy a car and then use the dividned income to refill the cash account. Now it does take time to build up dividned funds so it can take years to get to the point were the dividend will be helpful. But once you get ther you have option that you don't have with just work inocme. You can even build it up to cover amore than of your living expenses and retire long before age 60 when you can access retirment fund.

Sensitive-Exam649

SCHD is not going to keep up with inflation thet is right now at about 5% even with its dividned grwoth. Bond or ETF with a yield of 5 7% will do better. Like JAAA 5.5% yield PFF 6%, UTG 6.8%, UTF 7%, EMO 8%. or CLO 8%.

ernyc3777

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severe_009

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Sensitive-Exam649

In my opinion you should: INvest în yura taxable account for dividned income. Enough to cover all of your living expenses. This will cover your living expenses if you lose your job or cannot work for any reason. plus 6 months of living expenses in cash for the occasional large bills. And eventually work up to maxing out your roth and 401K contributions. Now it looks like you living expenses are about 2K a amonth or 24K a year. You HYSA currently if invested in IWMI would generate about 1K a month of income You want 2K and you are half way there. Now this doesn't abandon your dreams of owning a home. but it may be delayed. Right now you don't have enough to income to cover the cost of owning a home or small condo. But building up dividend income can help making that dream a reality. Once you have 2K a month of dividend income you can use that income to cover your rent and food bill and desert the work income. Continue to build up the work income so that it eventually covers your your your brokerage deposits as well At that point you can increase your 401K deposit to the maximum. From ther keep building your income and eventually your income will be enough to get you a place of your own. funds I would recomend you use for dividends are qqqi, iimi, KGLD, EMO, UTF, UTG, and NAC (municipal bond fund for CA that is exempt from stat taxes.

Sensitive-Exam649

You are likely doing evething right for retirment But I cannot be sure since you didn't say what your are investing your retirment funds in. The problem you have is that most of your investing is focused on retirment. You are not alone many are making the same mistake. You have no investments outside of your retimrent accounts focused on supplimental income to help you with living costs. Like most government jobs your income is not keeping up with inflation. Rights now anything in your roth should be invested for dividnednincome while you government accounts should be. mostly in growth. In your roth start investing in dividned funds likeQQQI 14%, IWMI 14%, ARDC 9%, 9%, CLOZ 8%, EMO8% UTF 7%,, UTG 6.8% JAAA 5.5%. These funds are designed for income generation. Theincome from these funds in the roth will be entirely tax free at age 60 But reinvest this income as much as possible .The more you reinvest the higher the income. you want enough dividned income to cover about 1.3 times your basic living expenses. and any extra you have in growth index funds. The grwoth is mainly to be used for big unexpected expenses such as home repair. And if necessary you cane sell just 1 year of gowth and invest that income for more dividend income. This will help compensate for inflation. Ideally never sell your dividned funds.

Sensitive-Exam649

They can open fidelity Roth account and make regular montly deposits into it Each of your parents should have there own Roth account. They could move the cash into these accounts dn start investing it. They could US VT, QQQI, EMO, UTF, and UTG. XT for growth and the rest are very good dividned funds. SCHD is mostly a growth fund not a dividned fund its 3% yield is too small to be of much help to them now. . At their age they should be focusing on dividend income

Sensitive-Exam649

dividnend are never guaranteed. they can be reduced at any time. Covered call funds like GPIX will likely reduce there payout in recession or market crash But non covered call funds are much more likely not cut the dividend. even bond funds may not reduce the dividend. fore example UTF7% yield, UTG/ MAIN 5% did not cut the there yield in 2008 the worst market year since the great depression there share price took a big hit but they continue to pay a dividned. But that said ETFs, mutual funds and CEFs are much more resilient since they have many stocks instead of just one. So funds likely will never see the yield go to zero. Tocompensate for dividend payment variations many use a mix of dividend fund say 6 that way if onegoes bad it will only effect 1/6 of your income. And it each fund is invested differently that also helps. Lastly you can target a higher dividend income stream than you need that way if the dividend is reduced you might still get enough income Using dividend for an emergency fund is far better than just a cash emergency fund. Simply because the dividneds will keep comming in while a cash emergency fund will run out of money I currently have in a taxable fund investments in QQQI, SPYI, EMO, UTF, UTG, PFF. Dividend reinvestment is off so the dividend will show up as cash in a money market fund. I keep 6 months of available at all times. And if the cash amount exceed 6 month. I can reinvest the excess for more dividends or Choos etc keep a larker emergency fund This works well for emergencies in that if you exceed the cash ammount you still have the money income (All these funds pay monthly dividends. Yes the dividned can drop fromQQQI and SPYI in a recession but the other 3 and the money market fund are more resistant to dividend cuts. PFF and EMO invest in companes or assets that are also more resistant to dividned cut and alll pay qualified or ROC dividend to minimize my taxes eventually increased the dividned income so that right now it covers all of my living expenses. and then I have added the non covered call fund and em building they to hopefully reach 10K a month of income. So that if my income does drop in the next recession I still should be able to cover all of my living expenses. I retired at 55 with my taxable covering all my living expenses and I do have S&P500 index fund in this account that I can sell at a loss if needed to cover expenses. I also still have my 401k and Roth

Sensitive-Exam649

People tend to think of an emetency fund as just cash. But your investments can also be your emergency fund. And using you investmnent this way can work better in in real emergency. For example instead of cash you can hold an assets like the S&P500 index funds. and must sell toff in an emergency. Now yes youmightsell it at a loss. But the same time when you don't need it is growing faster than High Yield Savings Account earning 4%. But if you compare an index fund to dividend or coperate bond funds. you will find dividned like CLOZ that stays within =/- $1 price rang and pays 7%. Yes it don't have growth but the yield is higher. So the risk selling at a big losss is quite small when compared to growth index funds. And then there are funds SPYI with has a little bitof growth and a yield of 12%. So if you sell this fund You will probably sell at a small profit. And reinvesting 12% yield is better than any savings account. But the you have 12% yield do you really need cash savings. SPYI also pays in its dividend montly. so 100K invested in it is 1K a month of income. So all you have to do is turn off dividend reinvesting and the money cash will show up in a money market account which is similar to HYSA. You could hold onto 6 moths of dividends in the money market account. And if that isn't enough you still have 1K a month comming in. If you cash build s to more than 6 moths you can reinvest it in the dividned fund. You could easily use thedividneds to growth this emergency portfolio over time until the dividned is more than 3K a month. Without adding a dime of work income. With several K a month coming in you could also start coverneidn regualrexpeneses with your dividend income which will allow you to save more work income. I have a taxable account with QQQI13% yield, SPYI 12% , KGLD 12%, EMO 8%, UTF 7%,UTG 6.8%, PFF6% Thisaccount today These funds today generate more than enough to cover my 5k a month living expenses. And it allowed me to retres about 10 years earlier than i wasorinonally expecting And I have stated some money a S&P500 fund thatI can tap for big expenses if need or if my dividned income is reduced in the future. And this is in addition Tony 401K and my roth. and age 60 instill several years away. I started out with 401K and maxing out the deposits every year and built a a small growth index fund for emergencies. And generally only had about 3 months in banks savings. Fortunately I worked 32 years at one company and never got a layoff notice. I didn't know anything about dividned until about age 45.

Sensitive-Exam649

Some of that you can use UTF 7%, yield, UTG 6.8%, PFF 6%, EMO 8% these all pay monthly and are taxed at the long term capital gains rate which is a substantial discount over regular dividneds, interest or work income.

Sensitive-Exam649

You never know how long an emergency will last in 2008 many people were unemployed for at least a year. A friend of mine was unemployed for 8 years. The answer to this quest is to not have a pile offish. You simply will never know if it is enough. Instead invest your money for income there are many companes out there that have payed a dividend for many decades without reducing or cutting the dividend. And there are many ETFs, and CEFs that have also done this. I use QQQI, 14%yield, SPYI 12% KGLD 11%, EMO 8%, UTF 7%, UTG 6.8%

Sensitive-Exam649

The reason 6 months of cash is recommended. It that it can cover the unexpected big expense we all get periodically. If you have more than 6 months of cash typically you would be better off investing it. And there are some good dividend funds that paid dividned through the 2008 GFC without reducing the dividend FAGIX, UTG, and UTF are some examples.

Sensitive-Exam649

Cash is never a defensive position. If you need to tap and spend it it is gone forever. And if another bear market happened a few years later you will have less cash available. You are better off adding dividends to upper portfolio. Dividend fund produces steady stream of income. i took growth in my taxable brokerage account and and invested it in QQQI 13% yield, SPYI 11% EMO 8% UTF 7%, KGLD UTG 6.8%, and PFF 6%. Today my taxable brokerage account generates 5k of cash per month. Dividend reinvestment is off and the cash aqumulaqtes in a Money market acount. Money market accounts are brokerage equivalent to to HYSA. I keep 6 months cash available in the money market account. Any excess money I can spend. It generates enough cash to cover my living expenses. Now it does take time to build this account. But if you start building QQQI and restrict you HYSA to 6 months and putty excess money into QQQI you could start using the divine income to keep your HYSA or money market account and eventually cover regular month bills and expenses. Anid if you loose your job you can live off the dividend income indefinitely. And you still have cash available for the unexpected expenses.

Sensitive-Exam649

In my taxable account Invested in dividend covered call dividend funds and some closed end funds for dividend income. For example QQQI has a 13% yield and it is tax efficient. If you had that in your taxable brokerage account you could put money in QQQI and reinvest the dividned to build up income can use the income to to start a roth retirment accounts and pay for th 7500 per year deposit limit. In invested in QQQI, SPYI 11% yield, KGLD, EMO 8%, UTF 7%, UTG 6.2%, PFF 6% Today these funds generate enough monthly income to cover all my living expenses (about 5000 a month. And at that point I retired. Every dollar of income your investments generate is one less dollar of work income that doesn't have to be spent for retirement saving, food, or gas for the the car.

Sensitive-Exam649

The brokerage equivalent to HYSA is money market account. Money market accounts are insured like HYSA. But since a money market acount is in a brokerage you can use a dividend investment to fill your money market account. For example you can put money in your taxable brokerage into a fund like QQQI 13% yield and it tax efficient. . So you could gradually build up QQQI so that is has 57K invested. At that level the yearly dividend is 8K. Which is enough to deposit into the Roth without using your work income to make the deposit. To get enough interest from a HYSA to get 8K you need to invest 200K. So with QQQI in your taxable account you you could turn off dividend reinvestment so the sad dividned are not reinvest and show up as cash in a money market acount. Eventually the taxable account could be also used as your HYSA. with QQQI filling the money market account. And at that point you won't need to put your work income into your Roth or your HYSA. And if you count to build up the dividned income with QQQI or other dividned funds you could eventually get enough taxable income to cover all of your living expenses. And you can have growth investment in your Roth I have QQQI, SPYI, BTCI, KGLD, EMO, UTF, UTG, PFF. to maintaning 6 month cash emergency fund and enough income to cover all of my living expenses (about 5K a month). It allowed me toretire early.

Sensitive-Exam649

all investors generally have 3 goals 1. Short term cash saving for the occasional unexpected expenses. 2. A stead stream of income to cover living expenses in the event of unemployment or retirment that will last indefinitely. 3. and long term saving for very big expenses For most people #1 is typically a bank saving account or a brokerage money market account or a governe,ment bond fund. For #3 you can use a abank account but a north index fund like EXQT is a much better choice. But for 1 and 3 they both have a finite ammount of money available bye so using these means your net worth will drop. and they could eventually run out of money. \#2 is the most often overlooked category in investing. In this category you invest in funds that pay dividneds. The primary goal is to have a secondary source of income you control not your employer. So the income from these funds doesn't come form selling shares or depleting cash. Many use government bonds very safe but low yields. With the low yields So most people never have enough money to get the income they need with low yields So you really need yields of 5 % or more. Eventually you want enough income cover all of your living expenses so that you can live normally without working indefinitely. Now I use QQI, SPYI, KGLD, EMO, UTF and UTG to dividend income. But I live in the US and if you invest in these funds you will you have to deal with US tax withholdings. SO you should look for a canadian fund that pays high safe yield. perhaps a corperate bond fund. But I don't know what is available to you. Also for #2 you generally want to use an account type that allows access to the income at any time. Many retirement funds restrict access until you get close to age 60.

Sensitive-Exam649

The point of an emergency fund is to have case available for the unexpected big bill. For example you get into an accident and have to stay in the hospital for a week. OR there is a storm and your home gets hit by lightening and your outlets and lights stop working. Or you get into an accident and need a new car. These thing do happen. The emergency fund was never designed to protect you from a market downturn which might last 1 to 10years based on historical data. The 6 months of living expenses is often recommended because anything more than that you would be better off with investing it. But if you invest it select an investment that will resolve your your biggest inviting concern. For example:If you don't want to sell stock in a downturn invest in a dividend fund like QQQI 13% yield. 100K invested in this fund will produce about 1K of income a month without selling any stock. And it is a tax efficient fund.. OR if you want money for a big expense you counld invest in grwoth index fund and selll that if you need money for home repair or cart replacement. ut I didn't just use QQQI. I also have SPYI, KGLD, EMO, UTF, UTG, AND PFF. These together generate 5K of income a month without selling. And they all generate qualified ro ROC dividends which are very tax efficient. And each fund having a different risk level. The lower yielding funds have a history of paying a dividend in the worst market year in living memory (2008) while the others have higher risk but very high yield. And I have 4 years of income FXAIX a S&P 500 index fund. And I have a roth and 401K. Yes it does take years build something like this. but the peace of mind of knowing that no mater what happens I can pay my bills and keep food on the table makes it worth the effort.

nosoupforyou2024

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Sensitive-Exam649

If you want cash Would lookout UTF 7% yeild and UTG 6.2%. both are 20 years old and have never reduced there dividend. UTG has managed to grow it every year without. Bot have about double the yield. then there is OVL that uses calls an and puts to convert market volatility into income at 7%yield.

DanielzeFourth

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Sensitive-Exam649

Roth and brokerage account have very different rules and can be used in very different ways for different purposes. In my brokerage I have invested in QQQI, SPYI, KGLD, EMO, UTF, UTG, PFF. These provide montlhy dividned that have a tax calsifcation of Qualified or ROC for tax efficiency this portfolio covers all of my livinenexpenses of 5K a month allowed me to retire in my 50s. Now a roth cannot easily be used fro income prior to age 60. So VOO and chill will work. But you might also want to add some QQQI in it so that the dividends will add to your your yearly deposit allowing more than 7.5K a year of cash flowing into the account. The more cash flow into the account the larger it will be when you retire.

Various_Couple_764

I own MLP (master limited partnership) fund it invest in midstream oil and gas companies that operate pipelines and refineries. Ihave EMO 8..% yield. BDC (Business development corporations) I have PBDC 9% yield. for utilities and infrastructure UTF 7%and UTG 6.2%. these funds are 20 years old and have never cut t or reduced there dividend. CLO (colateral Loan obligations) Very low risk loan obligations JAAA 5.5% yeidl AAA rated CLOs. CLOZ 8% yeidl BBB CLOs.

Various_Couple_764

>I am wondering (and have been trying to crunch the math), would a brokerage account make sense to use as a spillover after the Roths are maxed  Yes it makes sense. I am currently living off of dividend income from my taxable brokerage account. it covers all of my living expenses. About 5K a month. I also have a Roth and 401K. i am invested in FAGIX (S&P500 growth index fund) QQI 13% dividend yield, SpYI 11%, KGLD 11%, EMO 8.5%, UTF 7%, UTG 6.2% PFF 6%. FAGIX is basically long term savings which I use basically as long term insurance against big unexpected expenses such has home repair or inflation adjustment for may dividend income. I have a money market find in the account for short term savings. I keep 6 months of cash in this account For all the dividend funds so the cash dividend go into my money market account I spend anything over 6 months of savings I can spend. IF I don't spend all of it I reinvest the excess for more dividned income (this also helps compensate for inflation. Now all of the finds I listed generate qualified dividends or ROC dividend this basically means the about 20% of the income is considered taxable income. This is about 80% discount from the work income tax rate. So it is a tax efficient account. this allowed me to retire about 10 years before I was expecting to. I am not planning to use social security until 70 and at that point it will probably be optional.

Various_Couple_764

you don't have to be growth or dividends. You can do both in one portfolio. In my taxable account I have FAGIX for growth. For dividneds I have QQQI 13% dividned yield, SPYI 11%, KGLD 11%, EMO 8%, UTF 7%, UTG 6% PFF 6%. This portfolio currently generates 5K a month that covers all of my living expenses. I does generate a bit extra about 1K which I reinvest for more income. These dividend funds pay monthly and produce qualified dividned to minimize my taxes. Since i started investing for dividends just before 2020 I have not seen any dividend cuts or any significant problems. Automatic dividend reinvestment is turned off for all these funds so the cash is in a money maker account and I keep a minimum of 6 months in the money market. FAGIX is the market holding with some individual growth stock picks. Otherwise every thing is in ETF or CEF funds. The growth is mainly long term savings for major emergencies or inflation adjustments. And I have 401K mainly growth and roth IRA which is a mix of growth and dividend. But since the Roth is tax free I have other dividend funds that are not tax efficient. Since dividends are very stable I don't worry about the volatility and risk of my growth funds. If I sell growth it is only in the ammount necessary for the emergency or inflation adjustment For example sell 4% of the growth once every 4 years to insure I never run out of growth.

Various_Couple_764

I have QQQI 13% yieldSPYI 11% , KGLD 11%, EMO 8.5% UTF 7%, UTG 6.2% test the price goes up and down but they always pay a dividend. You could get about 1K a month form these funds and the income is taxed at a very low rate so they are tax efficient funds. The income has been very stable. The dividned are paid out monthly so I primarily check the dividned ammount one a month and and ignore the up down news.

Various_Couple_764

You have done very well saving but you are imbalanced with all growth and no income. What I would do is sell the 100k and reinvest the money in a high dividned fund, QQQI for example. QQQI has a yield of 13%. So that 100K would generate 13K of income per year and it is a very tax efficient fund so you won't pay a lot in taxes. 600K in high yield funds with a yield of 10% would generate 60K a year of income. So you may watt to start slowly shiting your portfolio away from growth in the taxable account. You could use the money from this fund to pay down your home loan or if needed use the money to cover other expenses. And if you slowly sell of and reinvest the money in the brokerage account in to dividends. you could buildup secondary income sufficient to cover muchof your living expenses. giving you more financial security. In my taxable I have QQQI 13%, SPYI 11%, KGLD 11% EMO 8.5% UTF 7%, utg 6.2% , and PFF 6%. The lower yielding funds are selected based on nong term dividend stability. The other are covered call funds with no NAV erosion. All are tax effect producing mainly qualified or ROC dividends to minimize taxes. For me this protfolio generates 5k a month. Enough to cover all of my living expense.

Various_Couple_764

Start a taxable account and invest in QQQI 13% yield, KGLD 11%, EMO 9%, UTF 7%, and UTG 6.2. These are all tax efficient dividend funds, Simply buy and hold these funds. The purpose of these funds is to give you and secondary income stream you can use if you loose your jobe or the next Pandemic. Simply make regualr monty payments into these funds. Eventually it could generate enough income to cover all of your living expenses. At that pointyou couldretire whenever you want. Open a roth and invest the max allowed by law. This can be growth and dividneds if you want. Again this is simple buy and hold. Nothing hard and timing the market and trading is not necessary.

Various_Couple_764

Note not all dividneds are taxed as ordinary income. Some dividneds are taxed at the the lower tax long term capital gains rate or ROC which is even a bit lower. ROC dividend are even tax free for a period of time (often years) I am invested in QQQI 13% yield, SPYI 11%, KGLD 11%, EMO 8.5%, UTF 7%, UTG 6.2%. QQQI is tax free for 7 years then is taxed at the LTCG rate. SPYI and KGLD are tax free for 9 years and then is taxed at the LTCG rate. The remixing funds on the list are only taxed at the LTCG rate. But they have a much more stable dividend income. I built up all of these funds in a taxable account and I have growth in retirment accounts. Today it covers all of my living expenses in my 50s So I can take a 1 yer trip at any time.

Geoff_Dawmer

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Various_Couple_764

What you could do is to move the portion of your portfolio to dividend investments. This would lock in growth in exchange fro a constant stream of income. The overall goal is to retire move that money into diviend ETF or bond ETFs and live off of the income these produce. Now many just recomend stating in growth until you retire and than suddenly switch to dividend and bond investments. But you can do this at any time in retirment accounts. And yes as people age there risk tolerance drops. And moving to dividend and bond ETF does meaningfully reduce your risk. And if you reinvest the dividends from these funds you account will still grow but at a slower rate For example you have a Roth with 1 million in it and you are getting nervous about the market. you can move this into ADC8% yield, PEO 8%, EMO 8.5%, UTF 7%, UTG 6.2% . 2 of these funds are almost 100 years old and 2 are 20 years old and have never reduced there dividned. You could take half of the growth 500K and put it in these funds And get an average yield of 7.5% and lock in a fixed income of 37,5K per year. And if you turn off automatic dividend reinvestment you could use that 7.5K of income per year to increase your growth purchases. And lets say in 2 years in a bulll market the 500K of gowth is now up to 75K you could harvest 25K of growth and put that money into the diviidend funds. boosting the dividend income to 39K a year. Now 39K with social security would be a decent income for retirment. Keep doing the rebalancing to maintain 50% to keep the growth at 500K

Various_Couple_764

Keep in mind if you lose your job you might be unemployed for more than 6 months. I strongly suggest allongside sgov invest in tax efficientdividend funds to: 1. Keep SGOV full at 24K. 2. And build the dividned fund to more than 30K a year of income using tax efficient funds. Funds such as GPIX, EMO, UTF NAC 3. provide money to start a ROTh account.

Various_Couple_764

Max out your 401k invest in goth and dividends. fill SGOOV to 24K Then start investing in dividned fund GPIX 8% yield, EMO 8/5%, and UTF7% and NAC 7%. Uzs the dividends to keep SGOV full. otherwise reinvest all dividends The purpose of the dividned is to eventually replace your cash emergency fund with passive income of 30K or more a year. All of these funds Pay montly and they genrate qualified or ROC dividneds which means you pay significantly less in taxes tha you do . NAC is CA muni fund with is state tax free to CA residents. If you do well with your dividned funds it could allow you to retire well before age 60. Dividends could also be form of unemployment insurance if you lose your job.

Key-Face-2117

Ticker so I can buy? And does IBKR support UTF-8?

Various_Couple_764

age recomendations are based on the idea that : * Everyone is investing retimrent . * Everyone is aiming for maximum total returns. * Everyone is working and has no need for extra income. * Everyone has the same risk tolerance. These assumptions don't apply to all people, So ther is no-one size rule that works for everyone. The best way to look at this is based on the a count type. If you are using Roth IRA were there are no taxes and you cannot withdrawal the money intuit age 60. These account are great for dividned and gowth at any age if you don't need access to the funds until retirment. 401K and and traditional all IRA also fit in this category. Taxable account can be used for any investments but you need to keep track of taxes. Taxable account are ideal for dividend funds that have high yields and generate ROC or qualified dividends that are taxed at lower rates than interest and work income. I personally have QQQI 13% yeild, and SPYI 11% , EMO 9%, UTF 8% , UTG 6.4% and PFF 6.% in my taxable account. The dividends are all from tax efficient funds and genrate 5K a month of income now which is about equal to my living expenses. and I use the income to maintain a 6 month emergency cas account. And this income allowed me to retire in my 50s. I have a 401K and roth which I will be able to access at 60.

Various_Couple_764

It is still good advice because annoying beyond 6 month of cash should be invested in bond or dividend funds. So If you have enough bond income or dividnedincome to cover all of your living expenses and turn off dividned investing the dividends will refill the cash account. And as long as you spend less than the dividend income you will never run out of cash aNow it does take time to build up a good dividend portfolio but once you have it you could be unemployed for years and still hav income For many people 6 month of cash works out to $30K to 60K. 60K in QQQI a dividend fund with 113% yield will produce 7.8K a year. so yes it will take years to build it up but ingeneratl most people are employed longer than they have been unemployed. So while working it is a good idea to to star this. I have a dividend portfolio of QQQI SPYI 11% yield,EMO 8%, UTF 7%, UTG 6.4%. are tax efficient funds so you won't pay a lot in taxes. And all pay in monthly installments it currently generates enough to cover my 5K amount living expenses.

Various_Couple_764

5 years o cash is about 250K to 500K. You are saying basically there are no investments available that will pay dividned in the worst economic conditions we have seen in the last 100 years 2008 and 1930UTF and UTF both paid dividend through the 2008 market crash They have 20 year history of no dividned cuts. There are

Various_Couple_764

Keep in mind the age - 100 rule was widely used before retirment accounts existed. So everyone was using taxable brokerages. With no ability to avoid taxes the safe way to minimize taxes was to gradually shift you porfolio from mostly growth to mostly income over time. Now with Roth, IRA, 401K many say stay full invested in stocks and then switch to inocme. Since you can sell at any time and pay no taxed this waite until the last minute aproach will work. But these are strictly retirement rules. which means it is assumed you cannot withdrawal the money until age 60. There are many peoplethatdon't want to wait for incomeuntile age 60. having divined income from your investments can be a type of insurance against unemployment or a medical crysis that prevents you from working for moths to several years. Others want to retire ass soon as possible, gas 30 to 40 or earlier, and that means a taxable account. Others want income for vacation or hobbies. So overall i would not use age as rule defining how you invest. With dividend funds like QQQI 13% yield, SPYI 11% yield, EMO 8%, UTF 7%, UTG 6% and PFF you could get substantial income at any age for any reason and these funds all generate qualified or ROC dividend so they are tax efficient investments and the income is paid out in montly installments.

Crazy_Donkies

It's down 1% in Korea fucktard. https://www.google.com/search?q=sk+hynix+stock+korea&oq=sk+&gs_lcrp=EgZjaHJvbWUqCAgCEEUYJxg7MgYIABBFGDkyBggBEEUYOzIICAIQRRgnGDsyBggDEEUYOzIPCAQQABhDGLEDGIAEGIoFMhUIBRAuGEMYxwEYsQMY0QMYgAQYigUyBwgGEAAYgAQyDAgHEAAYQxiABBiKBTIMCAgQABhDGIAEGIoFMgwICRAAGEMYgAQYigUyDAgKEAAYQxiABBiKBTIMCAsQABhDGIAEGIoFMgYIDBBFGEEyBggNEEUYPDIGCA4QRRg80gEIMzA5OWowajmoAg6wAgHxBUJvw53XYyZB8QVCb8Od12MmQQ&client=ms-android-att-us-rvc3&sourceid=chrome-mobile&source=chrome.ob&ie=UTF-8

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

Various_Couple_764

You basically have a saving account for an emergency fund. Most people have them but the interest you get is basically just keeping up with inflation. So you are not really making progress . I would open a taxable account and move 50% of the money in the taxable account. Invest in QQQI 13% yield and turn off dividend reinvestment. Dividends are regular cash profit charing payment to you. Dividends will show up as cash in a money market fund which will also earn interest like your bank saving account. The move the remains 50K from your bank to the brokerage account and leave it as cash This would give you 50K for emergencies. And if you use some this emergency cash QQQI will slowly refill it. without you using any of your work income. Most of the time you probably won't need the cash. and the cas plus dividend will continue to build. Then open a Roth IRA and star making $540 money deposits in the Roth account. In the Roth account invest the money in VTI and VXUS. Keep and equal ammount of money in VTI and VXUS. Your 100k that was doing nothing is now funding your retirment account and and you hav emergency cash you can use. And if needed you can stop the investments into the roth to rebuild the emergency savings if use some of the money. Then you could setup monthly automatic transfer from the bank to taxable brokerage account. The ammount every month can be whatever you can afford. Then in the brokerage account setup an automatic purchase of QQQI stock This will increase the dividned generated per month. And if you want you you could add VTI to your taxable acount or other dividned funds like EMO 8% yield, UTF 7%, UTG 6.4% to your taxable account. And ther is noting wrong with putting a dividend fund into the Roth. I highly recoment you setup monthly withdraws from the band and automatic montly depots into the Roth. Montly automatic purchases of VTI and VXUS stock. This way you don't have to do anything other than occasionally checking your account to see if everything working smoothly.

AnonymousLoner1

5 minute Google search: https://www.google.com/search?q=winnie+the+pooh+doll+in+china&oq=winnie+the+pooh+doll+in+china&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjIKCAQQABgKGBYYHjINCAUQABiGAxiABBiKBTINCAYQABiGAxiABBiKBTIKCAcQABiiBBiJBTIKCAgQABiABBiiBDIHCAkQABjvBTIHCAoQABjvBTIHCAsQABjvBdIBCTEzMzE4ajBqN6gCELACAfEFotCPbEM1lwnxBaLQj2xDNZcJ&client=ms-android-charter-us-revc&sourceid=chrome-mobile&source=chrome.ob&ie=UTF-8#lfId=ChxjMe&sv=CAYSlgMSACKPAxIAGhM5NzAwNTU5NDE1MTY3MDU5NzE4MgA6AEoCaGdSAKABHeoBNFNIRFMgLSBXaW5uaWUgdGhlIFBvb2ggIkZsYWdzaGlwIFNoYW5naGFpIiBQbHVzaCBUb3nCAgDaAvcBRXJZQkNuZEJTbWxVTkhSSmQzaHlka2hxVUU1bWFGTjFPRTVPTjFCWWNscDZlR2t6VVcxS05WQnJZMmxCUjNobmQyOHpSblJvU21WRFptSlRZbGs0T1RBM01EWjVhVFF3WTNOSmFHaHRTamw1VFZFMlRsSlBWMHd3WW1wVFdqRm5URzB3ZEVobU9WZFJaa3RaTldKck9FMUVOWGhhU0RKa2NWZHJVUklYVFdKS1lXRjFZVEZJVDFkVGQySnJVR3BPZFRWcFVVVWFJa0ZFYzNJNVpsSm1NbTFtZFVWTFNsRlVibTkyT1ZvMlRGWkNWRUZzWjA1TlNXY-ICMEFGNXRTTzdzZHpIRTk4UkFfd3NnRUZvRnhPNVhpcEVFNkE6MTc4NDMyODc1NTgwM_ACADAAIKD2lM4I

Funny-Sprinkles-5674

Holy shit Oracle is getting delisted! [SEC probes Oracle delisting from exchange](https://www.google.com/search?gs_ssp=eJzj4tVP1zc0TEmriK8wSDcxYPQSz0stSy1SSM_Py0tUSM8sS1WozC9VKC0AAANTDVU&q=never+gonna+give+you+up&oq=never+gonn&gs_lcrp=EgZjaHJvbWUqCggBEC4YsQMYgAQyDQgAEAAY4wIYsQMYgAQyCggBEC4YsQMYgAQyBggCEEUYOTIHCAMQABiABDIHCAQQLhiABDIHCAUQLhiABDIHCAYQABiABDIHCAcQLhiABDIHCAgQLhiABDIHCAkQABiABNIBCDM4OTZqMGo3qAIAsAIA&sourceid=chrome&source=chrome.ob&ie=UTF-8)

Various_Couple_764

There are a few index funds that use equal weighted funds were each company in the index. So an equal weighted S&P500 fund would have 1 share of each of the 500 companies in the index. But that will still not protect you from an AI crash. Because the drop caused by a AI companies can trigger a panic selling in most or all companies in the market. For example in 2008 most of the problems were in banks and mortgage companies. But by the end of thfe year all indexes were down 50% even if that index had no banks or mortgages. The problem we have today is not just the AI but also it is 90% or retirement investors are investing in growth indexes. and you have a lot of investors that only invest in asset only have growth. So all indexes are likely going to drop when the AI bubble pops. OR the the AI bubble and overvalued index will all suddenly drop when there is really bad economic news or the war in ukraine or inane get much worse and only oil becomes unaffordable. The best way to protect yourself is with dividned funds. that have a history of paying dividneds during market crash. And some of these funds don't invest in stocks like corporate bond funds and close fund debt obligations. For example ARDC 9% yield, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4%, JAAA 5.5%.PFF 6%. These funds will many of which did pay dividend in 2008. Now their share price will drop but they will still be paying dividends. So while the market could be down -20% you will still make money through dividends. and you won't have to sells shares during the crash for inocme.

Various_Couple_764

SGOV is basically the same as a Money market fund or HYSA. I would rather deposit money into a high yeild fund like QQQI 13% yield. and turnoff dividend reinvestment and and led the dividned fill a money market account. build that up to 5 most of cash Anything more than 6 month would be reinvested for more dividend income Eventually the dividned income may be enough to allow you to start funding the Roth. So now you have dividends funding your Roth and keeping your emergency fund full. Eventually you could start using the dividned income to also start covering some of your monthly bills. Which would indirectly allow you to increase your 401K invsitment. Eventually I added other dividned funds like SPYI 11% yield. EMO 9%, UTF 7%, UTG 6% and PFFD 6%. All these funds are taxed at ta lower rate than your work income and they pay montly dividends. My taxable account now generates enough inome to cover all of my living expenses. it won't fix your problems overnight. It take time to build up the divine income . And the more income you have the easier it is to invest for retirment.

Various_Couple_764

The fear and anxiety are from not knowing what to do and worry that the share price will suddenly move and you loose. You might be better off with dividned investing. Dividend are cash profit sharing payment directly to your brokerage acount. Dividned funds and stocks tend to smaller and less frequently price swings than growth stocks. And the dividend payments that occur montly or quarterly can be substantial if you have a lot of money. With dividend you will make a yearly profit without selling the share. All you have to do it simply hold them in a brokerage account. You could sell them but before you do work with a tax professional to dertermine The tax you will owe and then make sure the taxes are paid. Once taxes are paid you could reinvest them back into the same stocks. But I would recoment investing the money in another fund Such as SPYI 11% yeild, EMO 9%, UTF 7% UTG 6.4% and or PFFD 6%. All these funds pay cash profit sharing payments directly into your brokerage account. At that point you can either spend the cash or reinvest it for more dividends income or invest the dividneds into growth index funds or into a Roth account to save for retirment.

znightmaree

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Various_Couple_764

You are assuming the highest safe yield id 5%. Sorry that is not true. you can get very safe yields above 5%. UTG 6.4% and UTF 7% are both 20 years old and no dividned cuts. PFFR and and CLOZ 8%, EMO 9%, PBDC 9%, ARDC 9%. no dividend cuts in 15 years. EMO and PBDC invest in the few companes that are required by law to pay out most of there earnings as dividends. As a result they almost always pay more than 5% Which also means most payed a dividned during the 2008 market crash. The dividend probably did dip little bit but it kept common in.

Various_Couple_764

I have a dividend fund UTF 7% yield if you purchased 1 share 20 years ago that one share has paid out $265 and has a share price gain $10. this one example says the dividned are not the same as selling.

Various_Couple_764

Most people know about government bond funds and growth funds. but you might want to replace your CD with a dividend fund. Dividend are cash profit charging payment directly to your brokerage account from your investments. UTF 7% yield and UG 6.4% yield have been paying these yield for 20 year with no dividned cuts. They payed a dividend in 2008. The worst market year since 1930. You could invest in one or both and double the interest of your current CD. Move the CD money into a taxable brokerage and turn off automatic dividend reinvestment and the dividneds will appear as cash in your brokerage account. You can then hold onto the cash as an emergency fund or reinvest it for more dividend income or put it back into growth fund. Or you can use the money to cover some monthly bills. While UTF and UTG are good funds there is also PFF 6% yield. and EMO 9% These all produced Qualified dividend which are taxed a rate lower then work income So they are considered to be tax efficient. ARDC 9% Yeils , and CLOZ 8% are not tax efficient but again are still reliable dividned payers. Dividend fund historically are less volatile than growth index fund and the income is very reliable.

Various_Couple_764

SGOV has a yield of 3.8% currently inflation if 4.2%. Meaning Anyong holding cash right now is loosing money due to inflation at a rate of 0.4% per year. The goal of many investors is to have a rate of return about double the long term average rate of inflation. That means you need a savings account that pays about 6% interest. I doubt you can find a bank willing to pay 6%. but dividend funds like UTG 6.4%, UTF 7%, PFFR 8%, CLOZ 8% EMO 9%, PBDC 9%, ARDC 9%. Wutg these funds you basically grow you money at about twice the longe term average rate of inflation, and all of these funds have less volatility

Worried_Quarter469

https://www.google.com/search?q=is+the+strait+of+hormuz+in+iranian+territorial+waters&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&sei=JjNOaqyQLZyqur8PqP6tyAE&dlnr=1

znightmaree

Google is free fyi https://www.google.com/search?q=bvidia+roadmap+is+intact&rlz=1CDGOYI\_enUS810US810&oq=bvidia+roadmap+is+intact&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDMzNDlqMGo5qAIAsAIB4gMEGAEgXw&hl=en-US&sourceid=chrome-mobile&ie=UTF-8

HamMcStarfield

[Market Summary](https://www.google.com/finance?rlz=1C1ONGR_enUS1068US1068&oq=brent+oi&pf=cs&sourceid=chrome&ie=UTF-8&sa=X&sqi=2&ved=2ahUKEwiY_9SVyaqVAxWciO4BHfjPNvcQ6M8CegQIFRAC) \> Brent Last Day Financial 72.85 USD \- 2.20% (-$1.64) today

Various_Couple_764

If you have been investing for 25 years your are like 50 years old. Which means your subconious financial goals are changing form growth to capital preservation and income. I would look at investing in these funds JAAA 5.5% yield CLOZ 8%, UTF 7%, UTG 6.4% and ARDC 9%, FAGIX 6% UTF and UTG survived 2008 with no dividned cuts While JAAA and CLOZ and didn't exist the investments they invest in continued to pay out income when the market crashed. FAGIX if a 40 year old bond fund that has always payed a dividend. ARDC is only 15 years old but it has a very stable dividend. i have these funds in my roth and have QQQI 13% yield, SPYI 11%, PBDC 9%, EMO 9%, Right now my roth has 500K invested and generates about 5K a month which is all reinvested. IIt will be few years beforeI can access this income.

Various_Couple_764

You could get overexposed to gold. But the bigger problem is you you're putting money into an asset that may never pay off for you. Gold has tendency to stagnate for long periods of time. And then for a short period of time shoot up and then quickly drops. Many miss these peaks and either sell at a much lower price or don't end up selling it. I could instead invest in IGLD. IGLD sells covered alls based on gold price. this fund Basically converts gold price volatility into steady income. Overall it will generate 10% yield of 10%This would be 1K a year for 10K investment. Note the yield is currently higher right now because here was a large special dividend recently. Eventually the yield will drop to its historical normal level. Ther are many funds you could invest in for income which generally is better invesmtnte than a shiny metal. Such as QQQI 13% yield SPYI 11%, EMO 9%, UTF 7%.

Various_Couple_764

Overall the plan looks sound. But I would consider putting the money invest the 240K in SPYI 12% yield. That would generate about 25K a year of income per year which would be tax free fro 9 years. After 9 years you will owe taxes on the dividend income but it will be taxed at the long term capital gains tax rate which is significantly lower than the tax on her work income tax rate. This money could be used fund a Roth IRA in addition to her 401k. and it could be used to maintain a 6 month emergency fund and compensate for the loss of income due to the 401K set to maximum. The maximum deposit ammount for a 401K s bout 23K a year. So worst case the dividend income could cover the loss of income due to the 401k. But the 401K also lower her taxable income so the tax savings may be enough to compensate the lost income due to the 401k. And any excess income could also be invested in growth or more dividend funds such as EMO 9% yield, UTF 7%, UTG 6.4%. These funds have a lower yields but the maintain the lower tax rate and have longer history of paying dividend. Using this taxable brokerage account to generate more income could eventually allow her to retire in her 50s. Also 25K of passive income payed in monthly installments is a much more flexible emergency fund. a cash emergency fund will eventually run out of money when you need it most. But the passive income from dividend is continues and won't stop.

Various_Couple_764

With a new child not he way ai would focus on investments that can help you cover your expenses now instead of retirment. With QQQI 13% yield You cold get 1.8Ka month of additional income to hep cover your expense. The income from this fund is taxed at a lower rate than your work income so it is tax efficient. Now if you don't want all you money in one fund you could att EMO 9% yield , UTF 7% yield an. Also QQQI is a [NEOS ](http://www.neosfunds.com)fund and there are a number of good dividned funds you can use. such IWMI, IAUI. Dividnd are cats profit sharing payments made directly into your brokerage account.. You simply buy hold and collect the income once a month. now the earning from these funds may go up an down Due to market conditions and in a stock market crash it may take some time for the income to fully reocvered. The other main option you have is investing in a growth fund Like VOO. This fund has Tiny dividend which will not be useable. The only to make money with this fund it to hold it and waite for the share price to increase. And then the only way to get money from that is to sell it off. So this won't help you now but it great for retirment accounts. So I would with dividned funds you could simply collect the dividneds and hold cash in brokerage money market account for an emergency cash reserve or you could spend the income or reinvest the income for more dividned income.

Various_Couple_764

You put the 250K in UTF 7% yield, UTG 6.4%, and EMO 9%. UTF and UTG are both 20 years old and have never reduced the dividend. EMO invest IN Master limited partnerships which operate oil and gas pipelines and refineries. Low cost great yields. The also produce qualified dividends so you don't pay much in taxes on the income.

EmbarrassedPart1256

Thanks for following up, even if you’re one of the ones who downvoted me 🤣 I know it seems that way, I’ve just done a lot of DD on it & really like what I see for a penny stock. Fun fact: Berkshire just bought a housing stock, the first purchase since Warren Buffett stepped down (I believe). I just really like the company/idea. I want the stock to reflect the underlying subsidiaries, Instone & CSI. The holding company may have some things to work out but they’re making serious strides. What you said is so true, for trades, which $CAPS is until it isn’t. I missed so many swings on the way down because someone on ST had convinced me not to swing it (imagine; I’ve been getting my head right recently). Everyone else is trading it & every other ticker. It’s the way to do it. For investments, I think you can/could/should be somewhat emphatically invested as well. I currently hold IWMI, JEPQ, UTF, USOI, SLVO, PFFA, & IDVO, & I like them (besides SLVO; still on the fence after today’s drop) so much that I don’t really care about the price. A lower price just means I can buy more.

alpha_mu

I too like the utility sector for safe harbor. UTF is a well diversified fund that also pays out monthly dividends, which are currently at 7.33% annual yield.

EmbarrassedPart1256

In a sea of red, $UTF was solidly green today 🤙

aktionreplay

I gave an answer, it was short - literally google it and the ai answer will tell you. It even gives more info about topics I didn’t feel like talking about too: https://www.google.com/search?q=why+dont+data+centres+work+in+space&rlz=1CDGOYI_enCA782CA783&oq=why+dont+data+centres+work+in+space&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDYyNjFqMGo3qAIAsAIB4gMEGAEgXw&hl=en-US&sourceid=chrome-mobile&ie=UTF-8&sei=7isiaoupM4jR5NoPgsfTwAI#sbfbu=1&pi=why%20dont%20data%20centres%20work%20in%20space

Various_Couple_764

In this particular case I would recomend putting the money into dividend fund. if you you put the 130K iin SPYI 11% yield you will get 14K of cash a year. And since SPYI is a cash efficient fund you pay very little in taxes for this income. you can use this money to cover your yearly Roth deposit Put SPYI in taxable brokerage account and 60K into a money market acount. Turn off automatic dividend reinvestment. This extra income will appear in the money market account which is now your emergency cash fund. any money in excess of 60K in the money market fund can be spent on the rote deposit regular monthly bills or other expenses. Or you could reinvest it for more dividend income. Some other funds you could use are EMO 9%, UTF 7%, UTG 6.4%, PFF 6%. These are all tax effient funds.

bb1180

Yeah, I'm a believer in the utilities side of it all. To that extent, I bought a few hundred shares each of UTG and UTF during the tariff dump last April and have been quite happy with them. '

Various_Couple_764

What you are saying is correct If you move your high yield savings into a dividend fund. If you limit your emergency fund to about 6 months of living expenses and put any extra savings into high yield dividend fund like EMO 9% yield , UTF 7%, and IAUI 11%, or SPYI 11$ you could over time build a dividned bund that pays out 1 to 2K of cash a month or more. At that point you have a second source of income that can last many years plus 6 months of cash. I did this and now have enough dividend income to cover all of my living expenses. About 5K month of dividend income. Now UTF is 20 year old dividend fund that has consistently payed a dividend with no cuts. It paid a dividend during 2008 crash. EMO is not as old but it invest in assets that also payed dividend during the 2008 market crash. Historically most dividned funds don't cut the dividend when the market crashes. And all the funds I have mentions are tax efficient. So you can have them in taxable brokerage with dividend reinvestment off so all the money goes into a cash money market account were I can access the money at any time with my fidelity debit card.

Various_Couple_764

For retirement retires need income and dividned income is a lot safer for retirment than selling shares for income (the 4% rule) When you sell shares sequence of return risk and inflation risk that can rapidly deplete a retirment portfolio which can cause one to run out of money before they die. But other than retirement the young can also benifte from dividend investing in taxable brokerage account. For many people once they pay there monthly bills by food and gas for the car and amy maintnenca needed they have almost nothing left. IF they invest a little bit every month in tax efficient funds Like SPYI 11% yield IAUI 11%, EMO 9%, UTF 7%, and UTG 6.4% and PFFF 6%they can over time build the passive dividned income to a point were they can start to pay bills and expenses with dividends instead of work inocme . And if they suddenly loose there job the dividend income could be invaluable in covering expenses until you find a new job. Also if you want to retire before age 50 you need to have Taxable brokerage account to cover to retirment to age 60. After age 60 you can use retirement accounts. Additionally IRA and Roth IRA you are limited to maximum yearly depoist if $7500 year.. IF you could magically increase that to 15K per year your saving will be at least 2 times higher when you retire. Dividends don't count as a deposit so you can earn as much dividends as you want in the IRA or Roth and still deposit $7500 a year. you can also use dividend income in a taxable account to insure you always have $7500 available to deposit into the accounts. In my opinion anyone with more than 100K sitting in High yield savings account should invest that in dividned funds. The interest from high yield savings account is only enough to keep up with inflation. With dividend funds you can easily earn 2 times the current inflation rate.

RedditorSince2000

For context: if I remember correctly, a short squeeze forces those trying to short the stock to buy back the shares to cover their asses/reduce their loss. The buying of the share results in the share price increasing. An EXTREME example of this is with AVIS Car group (the car rental company). Just look at what happened to their stock on the 6 month chart: https://www.google.com/search?q=car+stock+price&rlz=1C5CHFA_enUS1038US1038&oq=car+stock&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyBggAEEUYOTIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDIyMjRqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8 I'm not saying this will happen to SPCE but it definitely CAN happen especially considering that there are 22.7 million shorts right now AND the stock ~$6/share (this means its alot easier for retail to get in and buy as opposed to AVIS's $212/share price before the short squeeze). Here's one last thing to consider. We're getting fucking close to a GAMMA SQUEEZE and if a gamma squeeze occurs, then the short squeeze will quickly follow after. Ultimately making the SPCE share truly parabolic (I'm talking going from $6/share to $300/share in a day). DM me if you have more questions. I love talking about this shit

No-Improvement3164

https://www.google.com/search?q=does+Donald+trump+own+shares+of+Service+Now&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari#lfId=ChxjMe I have no reason to trying steering you wrong.

Various_Couple_764

To get high yields and high liquidity means you need at minimum 2 funds. You also need to consider taxes because not all dividend funds are taxed a the same rate. And to have access to the money at any time it needs to be a taxable account. * At least one high dividend fund * A money market fund Basically you use the yield of the dividend fund to feed money into the money market fund. This means automatic dividend reinvestment is set to off. The dividends are gernerally not reinvested. But instead a portion is reinvested and the rest stays in the money market fund. So set a maximum limit on the cash level in the money market fund. 6 months of living expenses is a good level. If the money market fund exceeds 6 months of cash reinvest the excess into the dividned fund. A good dividend fund to shart out with is a quality covered call fund. Quality funds generally pay around 10% or a little higher or lower Say 8 to 13%. Some favorite are QQQI 13%, SPYI 11%, IAUI 11%, GPIX 8%, and GPIQ 10%. All of these fund generate about 90% ROC dividend that makes them very tax efficient. These funds are similar to growth index funds but the covered call strategy coverts the growth to income. The GP funds target more growth and lower dividned, While the NEOS funds (QQQI and SPYI) target more dividends and less but still positive growth. So the price of these funds will move up and down with the index they follow but have less growth and more dividend. IAUI (a NEOS fund is a bit different it follow the price of gold. You also want a maximum investment limit to the growth fund. You don't want to have all your money invested d in the same way You want to eventually have multiple funds generating income and feeding that into the money market acount. That way if you sector of the market has problems you still have income from other sectors of the market. This insures money will always flow in the money market account. So evernualy you will have multiple dividend funds and one high yield money market accounts. I started out the SPYI and QQQI in my fidelity acount. Now I also have UTF 7%, UTG 6.4% NAC 7%, PFFD 6% all feeding money into my money market account with 6 month cash reserve and montly dividend income feeding it. I also have a growth index fund in this account as a form of emergency saving with currently 4 times my living expenses. The dividned funds currently produce all of my living expenses in 1 year. This allowed me to retire in my 50s. But this type of account isn't just for the old. The young can and should start one as well as a standard retirement fund in Roth or 401K.

WenMunSun

Ok let me get this straight 1) You have no idea how much compute was leased from SpaceXAI to Anthropic (no one does) 2) You have no idea what SpaceXAI's OpEx related to their datacenters is 3) Despite that, you "did the math" using Nebius as a comp and 4) Determined they are operating at a loss? That's interesting... but how did you do the math when you don't know half the variables? Also, it's hard to trust anything you say when you get basic numbers wrong. SpaceXAI is not at a 100+ Price to Sales. If you account for the $16B Anthropic deal + their $18B in revenues from 2025 (likely growing in 2026) they're at around, or under, 50x P2S. Furthermore, Nebius has never disclosed exactly how much compute capacity in MW they actuall have, so not sure how you got a comp from Nebius. Analysts, otoh, estimate Nebius compute at 150-200MW in Q1 2026. On that compute, Nebius report $400m in revenue, annualized at $1.6B. Of that Revenue, Nebius reported $103.8m in cost of revenues, resulting in around a $300m gross profit and 74% gross margin. By comparison SpaceXAI's Colossus 1+2 are estimated to have 1GW of compute, that's 5-6.5x more compute than Nebius. Using Nebius as a comp, that would imply cost of revenues around $500-650m for 1GW of compute. Even if we assume Anthropic leased ALL of SpaceXAI's compute (which we know they didn't because they're still training Grok on Colossus 2), they are paying $15B/year for 1GW of compute which has a cost of revenues of $500-650m. That's a gross profit of around $14.5B, and a gross margin of 96% (much much better than Nebius). And even if you're right (doubt) that it costs more to power their DCs because they operate their own power generating equipment, even if we assume a crazy 10x fuel cost, SpaceXAI's deal would still net $10B in operating profits. [And btw a simple Google search reveals the H100 has a life expectancy between 5-10yrs.](https://www.google.com/search?q=H100+life+expectancy&oq=H100+life+expectancy&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABgKGBYYHjINCAIQABiGAxiABBiKBTIHCAMQABjvBTIHCAQQABjvBTIHCAUQABjvBTIKCAYQABiABBiiBNIBCDM4NTdqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8) [Gavin Baker says up to 10-15.](https://x.com/search?q=gavin%20baker%20gpu%20life&src=typed_query) So i REALLY don't know what you're talking about. I think you're a bullshitter, you're making shit up, and have no idea about anything. I hope you don't do this professionally.

Various_Couple_764

Real estate involves a lot of expenses, mortgage, taxes, repairs. There is a way to generate income from market investments that doesn't involve selling stock or the expenses of real estate. Most investors today focus on share price growth in there investment accounts. There are stock and Fund that pay Dividneds. Dividends are cash profit sharing cash payments directly in your brokerage account. Now many growth index funds pay a dividend of about 1%. A dividend investor targets higher yields Typically 1% to 10%. Instead of investing in individual stocks you invest in dividend ETF. I am retired and living off of dividend income of 5k a month. I am not selling stock for this income. Since you want the money now and not in retirement you need other use a taxable account. And since dividends generate taxable income we need to invest in things that are taxed at a lower rate. Some good funds to use are QQQI 13% yield, SPYI 11%, IAUI 11% EMO 9% UTF 7%, UTG 6.4%. 100K invested in fund with a yield of 10% will produce 10K a year of income. And all of these make monthly payments. The three funds with the highest yied will be taxed at close to 0% for 7 years for QQQI and sPYI and IAUI are zero for 9 years. The other two will generate tax every year but at a very low rate. Generally you want to avoid using one fund for all of your income. Simply because if one fund develops issues you will still have others generating income. Now I also hive dividned funds in my Roth because they they are taxed at the work income tax rate. Putting dividends in a roth is a great way to to avoid taxes in retirment. My roth has all of the above funds listd plus AARDC 9%, PBDC 9%, CLOZ 8%, PFFR 8%, and JAAA 5.5% and FAGIX 5%. The dividend funds in my roth are generating 5k a month right now.whichis all reinvested right now.

Various_Couple_764

With a growth index fund most of the gowth in the first 15years comes from your money deposit into 401k or Roth. There is a limit to hw much ou deposit. and that deposit limit limits the size of the account. Growth index funds don't include BDCs or MLPs businesses. Even VTI which is advertises as the total US stock market doesn't have them. SO You can add PBDC 9% yield, and EMO 9%. And these com\[panies are required to pay ou most of there income as dividends. So the yield is higher than most stock that are not required to pay dividends. If you include these funds in your portfolio the reliable dividend from these companes will continue to come in and you can use the income to add to other funds in your portfolio. In addition debt opbligations such as credit fund, CLO fundsare not stocks but funds investing in these assets also pay very good yield So i also hav ARDC 9%, CLOZ 8%, and JAAA 5.5%. Utility and infrastructure funds are also stable dividend fund and I have UTF 7% yield and UTG 6.4%.

Own-Cauliflower-6992

No. He doesn't actually have the 2 billion himself. He "raises" it through share dilution gimmicks. He issues bonds through a second company that's a bitcoin dividend essentially. He also issues convertible notes and dilutes existing shareholders. Helpful reading from the 90s: google.com/search?q=michael+saylor+sec&oq=michael+saylor+sec&sourceid=chrome&ie=UTF-8

EmbarrassedPart1256

$RUBI coming back down to earth, I'm glad I got in & out. It's insulting seeing a stock so green & somehow you lost money on it... I'm taking the rest of the day off, made my gains & I'm loading into the dips on some of my core holdings ($IWMI & $UTF). Don't sleep on $NEE's merger with $D; $UTF & a few other ETFs give you exposure to that. Chase tech all you want but it's infrastructure all day for me baybay.

EmbarrassedPart1256

$USOI has been an absolutely stellar trade so far; I’m up 9.2% & at this rate, the drop from the ($2.85/share) dividend payment won’t even put me in the red. I’ll just load in more. For more of a penny vibe check out $IWMI; they run a covered call strategy on the Russel 2000. It’s a way to get small cap exposure & let them pay you to hold it (& it’s dipping right now). Also holding JEPQ, MLPI, & UTF FWIW. Make your capital work for you & never *”work”* another day in your life.. 🤙 Live to trade another day!

No-Improvement3164

https://www.google.com/search?q=kolhs+dividend&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

EmbarrassedPart1256

I see the writing on the wall, that I should stop pushing my luck after doubling down on a losing $TE position & breaking even. Total gains: $1,332, net gains: $424... Gotta work on not losing the money just to make it back. I *can* make it back but I'd rather it all go to the bottom line... In $GMEX for 1K shares. 858K shares OS, Morgan Stanley holds a position, cost to borrow is 80.55%. Robotics is hot & they could be on the verge of a breakthrough, post-RS. ***This sub could literally lock up the float...*** I'll consider averaging down every $.10 or so, or getting in for a larger chunk if/when it starts to move, just don't want to miss the move if it's overnight... Holding $IWMI, $JEPQ, $MLPI, $USOI, & $UTF as a core, FWIW. Make your capital work for you, & never sell it!

Various_Couple_764

To retire early you don't want to use an account that has restriction the ammount you can deposit and no restriction on when you can withdraw money. Which means you probably want to use a taxable brokerage account. With no restrictions on deposits, withdraws and investment options you can do a lot in a taxable account * Now as to investments you could use growth index funds * Or your do dividend investing. * Or you can do a mix of growth and dividends. then set up an automatic transfer from you bank account to your invesment account with and use automatic reoccurring investments to pu the money in the funds you want. With all this occurring automatically all you have to worry about is work and making money. For a taxable brokerage I mostly focus on dividends. Using funds like SPYI 11% yield, EMO 9%, UTF 7%, UTG 6.4%, PFF 6. Reasonably tax efficient funds that eventually can can generate passive income. And once you get about 1 to 2K of income a month you can start using that money to cover routine bills and expenses. And when you cover bills with investment income work income could be spent on more productive things like investing more, vacations, hobbies. I was a growth investor for about25 years. then started investing for dividend in my taxable account and at 55 retired with 5K of income prior to starting dividend investing I was expecting to retire in at age 65.

Three_of_a_kind3515

More numbers.. AWS maintains a 7 point lead of Azure in 2026… thanks AI.. https://www.google.com/search?q=whar+percentage+did+AWS+gain+on+Azure+in+2026&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari#lfId=ChxjMe

EmbarrassedPart1256

Crazy day to pick to call $CAPS out when it’s up 7.63% with only 500 shares sold. I did sell 🤫 but I’m still interested in the story. The whole point of investing/trading is not buying at a premium, buying at a discount. That’s what the penny stocks sub is all about. I’ve been strictly buying UTF, USOI, & others only when discounted. Either way, I hope you make crazy gains!

EmbarrassedPart1256

https://preview.redd.it/ltsyskkmsv0h1.jpeg?width=1170&format=pjpg&auto=webp&s=b11ac4be1d58c2aa85b4a68b6558a98fc7e4f9f1 I’m staying far far away from big tech right now; all-in on small caps & dividend-paying infrastructure & feeling great about it. UTF, MLPI, USOI, with some IWMI & JEPQ to milk the big tech exposure but it’s capped in my portfolio so as not to gal it when these IPOs take a dip…

EmbarrassedPart1256

Not penny stocks but I’m big into $USOI, $MLPI, & $UTF, some of my only holdings as my portfolio got obliterated last week. Infrastructure for the win 🤙

John_Wang

A couple example websites that list OTC items you can buy: [TrueMed](https://www.truemed.com/shop) [Amazon FSA/HSA storefront](https://www.amazon.com/FSA-Store/b?ie=UTF8&node=17904040011)

Various_Couple_764

well with 500K you could invest that in a dividned fund with a yield of 8%. That would genrate 40K a year about the same as rental produces. QQQI has the highest safe yield I know of QQQI That would generate 65K a years. for 6 years that income would be tax free but after that the income would be taxed at teh long term capital gains rate which is still less than the regular income tax rate. Overall in your case is it about a wash . You could do slightly better but dividend or wrose. yield higher than 13% are available but the risk with those funds are very high Now with dividends you don't need home insurance and spend money on repairs, or property taxes. So you might save a lot on expenses for your rental income to make dividnedincome a better choice. But that woudldepnsd on very close examination of your accounts. Which is probably more information than you want tot share. IN any case some tax efficient fund you can use in a brokerage account for supplemental income are * QQQI 13% yields. * SPYI 11% * IAUI 11% * EMO 9% * UTF 7% * UTG 6.4% * PFF 6%. You best choice is probably keep you rentals and gradually invest in the above funds to build up additional income in addition to your rental properties. You could gradually increase the dividned income and use the money to just cover living expenses and regular montyhly bills. Also it is generally not to rely on just a couple of dividnend funds for income is at least 5 or more.

HywayKind

Rocket Lab primarily 3D prints the main components of its [**Rutherford rocket engines**](https://www.google.com/search?q=Rutherford+rocket+engines&oq=what+parts+does+rocketlab+3d+print&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCjExOTM1ajBqMTWoAgiwAgE&sourceid=chrome&ie=UTF-8&mstk=AUtExfC5ypQp85Ue5htPYFnUvtDcUEwoNsyPOKig9S4x_ciy9sdc-Lvxs9QK-POEMoLmHBozFowEdWM_SgBBi61l3EwZ1GnDYABHU-gHVjd9pmrYwZ8QalB4GPDcVFYVkgVtwEXNNVIVCQ43X09Ndso-uNpiAKqsPXKd-Ngw-zpQcvAmH0AkxfLVodf3rIdeXQoKrh8QCeJd9rRNLUVaF7EHIgMXzGrJ1f4vBxZi6zn9xETp2PIiX94sr-lPMYmMmWR4nltjT5VuKH49_OyOR2tK_-cE&csui=3&ved=2ahUKEwihr-PI9KmUAxV1mWoFHQqNCo4QgK4QegQIARAB) using Electron Beam Melting (EBM) and utilizes massive Automated Fiber Placement (AFP) systems to 3D print carbon composite structures for the Neutron rocket. Key 3D-printed parts include thrust chambers, injector heads, and propellant valves

liroyjenkins

Has been hovering around 0.85 since last July. What are you looking at? https://www.google.com/search?q=us+vs+euro&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&sei=kN9maIjsMaSG0PEPkszvsA8

WickOfDeath

A year ago there was a consensus that the US economy had a soft landing, till today. Most popular opinion why: 1.) people still spend (PCE expectations still over 50) 2.) unemployment doesnt grow dramatically, jobless claims are not skyrocketing 3.) some indices like DJIT (Dow transporatation index) are not crashing, just little bit down [https://www.google.com/search?q=dow+jones+transportation&oq=dow+jones+transportation&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDI4ODZqMGo5qAIAsAIB&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=dow+jones+transportation&oq=dow+jones+transportation&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDI4ODZqMGo5qAIAsAIB&sourceid=chrome&ie=UTF-8) 4.) the IT industry still causes a secondary consumption effect, l people at the Mag7 and in the banking business still get fabulous salaries, whose are partially spent for services, household employees and last but not least consumption

Various_Couple_764

IN my root I am investing in my Roth in QQQI 13% yield, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, pFFR 8%, UTF 7%, UTG 6.4% JAAA 5.5%. This would generate substatial income..

dinglebarryb0nds

Oh lol you gotta see this retro site. They have older Winamp downloads v 5 and stuff Do you happen to know what version you use? https://www.majorgeeks.com/content/page/mg\_search.html?cx=partner\_pub\_6960825562757852:6029691205&cof=FORID:10&ie=UTF\_8&q=&sa.x=37&sa.y=15&siteurl=www.majorgeeks.com/mg/topdownloads/index.html&ref=www.majorgeeks.com/&ss=

Various_Couple_764

With investments you often can ignore them for weeks. With real eaistate get calls about maintenance issues. and you have to take care of taxes. And if you used alone to buy the property that lan reduces your earnings. Real estate is not an investmetnyou can ignore. Now you could with your 80k invest in QQQI and get $11,200 cash dividends per year and from my own experience with this fund you can ignore it and let the cash dividend build up or you can have it automatically reinvested. And you don't pay a lot of tax on the dividends you recieve. So this fund could be in taxable acount earning you money right now. And if you buy more shares with your own keney re reinvest the dividends you could in about 5 years have about 200K invest in the stock with an income of of about 2K a mont. i have investment in QQQI 13% yield, PBDC 9%, UTF 7%, UTG 6.4% and PFFD 6% and NAC 7%. overall I am getting about 5K a month of inomce form my taxable account. It allowed me to retire at 55 much earlier than expected.

Various_Couple_764

If you invest in yield of 10% your money will double according to the rules of 72 /10 =7.2years. If we reduce the yield to 7% the money will double in about 10 year. You can use funds like EMO 9%, PBDCV 9%, ARDC 9%, CLOZ 8% PFFR 8%, UTF 7%, UTG 6.4% QQQI 13%, and SPYI 11%. 2 of these funds are over 20years old. 2 are about 15years. old and are CDF funds. ETF are relatively new. and the reminder are much younger but but the assets they invest in aaremuch more oldeirand pay a dividend consistently.

Various_Couple_764

Sell FEPI it has serious NAV erosion issues. NAV erosion causes the star price to drop and prevent share price grwoth. As the star price drops you loose your initialinvestment. Also the dividned payout drops with the share price drop. Eventually you loosely of your initali nvesmtne and your dividned income but the NAV erosion keeps the calculated yield high. And CHPY is also at high risk for NAV erosion. The only reason why CHPY does currently have NAV version is due the AI crating a lot of chip demand. Once the AI bubble pops CHPY will have NAV erosion. on The other problem you have is you are overly reliant on covered calls funds. You could sell MLPI and instead invest in EMO with a yeild of 9%, you could also add PBDC 9%, ARDC 9%, CLOZ 8%, PFFR 8%, UTF 7%, UTG 6.4%, JAAA 5.5%, FAGIX 5%. substantial yields without covered calls. And since it is in a IRA no taxes on the income.

CokeyKoala

That is an impressively creative, satirical, and thoroughly entertaining take on a corporate financial report. You've perfectly captured the jargon-heavy, obfuscating language of a "creative" earnings report, moving from "nonlinear growth trajectory" to the absolute peak of "Generally Imagined Accounting Principles (GIAP)." The pivot to a "[your mama](https://www.google.com/search?q=your+mama&sourceid=chrome&ie=UTF-8&mstk=AUtExfCbdMLc_FSef5B6NVswSsWcx7fR3TwYzaAzKK_Q9Wm8D7OdRegwzyM-ot9eIM98HJUIQU70ZO2Xf3VVtWhXw4oB5xe4eEYXAZ3h4dqH_arZg60Zh-WoD-mkOSQY36DwUjTor7kL6fN8GPsXpGszCI_c2e8xCqtShfx8YAgRpoPmWxo&csui=3&ved=2ahUKEwia4ZPL7o-UAxUAEFkFHU0lD-wQgK4QegQIAxAC)" joke at the very end is the perfect, absurdist punctuation mark for a report based on "zero accountability." Well played. I hope this thoroughly audited, highly professional, and totally grounded-in-imagination report leads to significant gains in your personal, conceptual portfolio.

Personal-Chemist535

[Lissencephaly](https://www.google.com/search?q=Lissencephaly&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjE6p-l-42UAxXInysGHajZDaEQgK4QegYIAQgAEA4), or "smooth brain," is a rare, congenital neurological disorder where the brain lacks normal folds (gyri) and grooves (sulci). Caused by defective neuronal migration during fetal development, it results in severe intellectual disability, seizures, and limited life expectancy. It is characterized by a smooth surface, affecting 1 in 100,000 children

geekfinity

https://www.google.com/search?q=robotic+etf+stock&rlz=1CDGOYI_enUS847US868&oq=robotic+etf&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCTEwODU1ajBqN6gCGbACAeIDBBgBIF_xBWMMwbbEPTUD8QVjDMG2xD01A_EFYwzBtsQ9NQPxBWMMwbbEPTUD&hl=en-US&sourceid=chrome-mobile&ie=UTF-8#lfId=ChxjMe

fire_alarmist

[Exchange Act Rule 15c3-3](https://www.google.com/search?q=Exchange+Act+Rule+15c3-3&rlz=1C1GCEA_enUS853US853&oq=Rule+15c3-3+under+the+Exchange+Act&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMg0IAxAAGIYDGIAEGIoFMgoIBBAAGKIEGIkF0gEHOTA3ajBqN6gCCLACAfEFafUcN9KPXJw&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiKyI3O-IaUAxXy78kDHTRcNrEQgK4QegYIAQgAEAM), often called the **Customer Protection Rule**, requires broker-dealers to safeguard customer cash and securities by segregating them from the firm's proprietary business activities. It mandates that firms maintain physical possession or control of fully paid/excess margin securities and maintain a reserve bank account for cash owed to customers, with updated amendments (2024-2025) requiring daily reserve computations for certain firms **From** [**https://finance.yahoo.com/markets/options/articles/us-sec-unlocks-currency-wall-203129033.html**](https://finance.yahoo.com/markets/options/articles/us-sec-unlocks-currency-wall-203129033.html) **THE US SEC is now allowing broker-dealers to use a wider range of stocks—specifically, baskets of large American companies from the Russell 1000 and S&P 500 Indices—as collateral when borrowing securities from large institutional investors.** Previously, firms could only use safer, traditional assets like cash, US government bonds, or bank guarantees as collateral. Under this new rule, they can now also use diversified portfolios of major stocks. This change gives broker-dealers more flexibility in how they raise funds and manage trades. Your cash is no longer safe or guaranteed because we literally would have started another 2008 on March 30th and this was the only way they could relieve selling pressure. This change literally happened at the bottom on March 30th, coincidence? Bols just dont seem to understand just how heavy the bags they will be left holding are.