VYMI
Vanguard International High Dividend Yield Index Fund ETF Shares
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Full ETF portfolio? (Tips, Advice, Literally anything)
Selling stocks now to invest when there is a downturn/correction??
Advice on investing strategies, is it better to use ETFs or individual stocks?
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VYMI. Don't let the turmoil in the US fuck your gains.
VT or 80% VTI/20% VYMI (or some similar allocation).
I would do either 100% VT or 75% VTI/25% VYMI depending on my mood :)
VYMI has made new ATHs 3 days in a row now.
I've been leaning more toward VYMI lately. But I've had VXUS for 10+ years and still have a bit. It's really not that bad of a tax drag. Also, the foreign tax credit is incredibly easy to get, even once crossed $200 (tax software has to generate an extra form once that threshold is crossed) I keep a good bit of international as I see more risk than reward in the US market these days. Could be wrong but that's me.
Again, don't look at just US equities. The PE of global stocks is nowhere near the insanity of the US market. VYMI (value ex-US) constituents have a PE under 13.
VYMI keeps hitting ATH. Up 26% this year. And pays 4% divvy.
I don't want to outperform the market. I want to reduce volatility while matching the market. But my port is simple: 36% VGT, 36% GLD, 24% VYMI, and 4% crypto. It's up 33% YTD. Check it out (portfolio 3): [https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2ctpqtfrMpiWXsGOSJNfar](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2ctpqtfrMpiWXsGOSJNfar)
I missed that VYMI hit its ATH yesterday.
Lots of suggestions of sticking as much as you can in a Roth IRA over two years and letting it grow until retirement, and if you want this money to grow to the maximum possible, that's the way to go. But, I'm gonna suggest you open a taxable brokerage so you can let this money grow for a bit and then access earlier for a large purchase like a home in 10+ years. You can do this with Fidelity, Vanguard, Robinhood, or Schwabb. Depending on your risk tolerance you could put 70% into a domestic stock fund like VOO/FXAIX for SP500 or VTI for total stock market. 20% foreign stock fund like FENI/VXUS/VYMI. 10% put into a bond fund like SGOV, or pick a municipal bond fund for your state so you don't have to pay federal or state income tax on the dividends. The 90/10 portfolio has worked out pretty well for Warren Buffet. Right now there's no capital gains tax if your taxable income is under 48k (gross income under ~64k) for a single filer. Time will tell if this is still true in 10+ years.
VYM and VYMI are more volatile than SCHD and SCHY.
I'm in a similar position and have been transitioning to VYM. It has little to no exposure to the Mag 7, little tech, long track record of good returns and dividend. Better diversified over SCHD. imo. Also recently bought VYMI for a little international exposure.
A lot of LCV is going to be heavy in FAANGS, NVIDIA, and so on. For example, I just looked at FDRR and the top 3 holdings are NVIDIA, Microsoft, and Apple. But others will be less so -- VTV has no tech stocks in its top 10 holdings. You should be able to see holdings on Morningstar. Ways to avoid: sector funds (industrials and energy seem to be doing well, check on FIDU and FUTY). International value is having a bang up year and has very little technology and certainly no FAANGS etc. You could look at FIVA, JIVE, DFIV, VYMI, or even small/mid cap international value such as AVDV or DISV,
Diversification is the key to prosperity. 36% VGT, 36% GLD, 24% VYMI.
VYMI is up way more than SPX this year.
Hell yes; Sell high or else you die. My rules: Selling into only a rising price. Buying when others are screaming OMG. DCA and ETF is the road to average. S&P ETF entry now is dumb as fk. My ASUS and VYMI my profit dumps now along with gldminis.
This. VXUS is a good one. And not to yield chase, but VYMI is another good one. Has had better growth, better dividend, and better dividend growth than VXUS, though you're trading industry diversity to go heavier on financial sector, though regional diversity remains about the same as VXUS which is nice.
Yeah I actually have that as a good 10% of my portfolio currently. I am looking to pair it up with something else so not just focused on small cap. I may go with IDVO or VYMI. But honestly looking at vxus a second time for just this year...the total returns is very respectable compared to VOO. If the US continues its volatility, I do believe international etfs will do well...but if somehow...the US gets a handle on restoring faith in the US financial systems, then I think international etfs will lag behind US (like previously)...but honestly I don't see any improving of US financial systems...just worse.
Me too. I was looking at my tech and comm and getting queasy. Im just an amateur. Started looking at insurance cos and VYMI, stuff like that
Get some international diversification in with VYMI
Buy and hold VGT, GLD, VYMI would have been so much more profitable.
I did. We do exist. I am VERY happy with my EU and AZN mix. I am a year or 2 from retirement and felt dollar risks made a rotation of profits taken off MSTR and PLTR could go in VYMI, VXUS and also bought airbus and a few other French , Belgian and German cos. Only regret is Dasty, dassaullt software. That may be a loss harvest this year for taxes.
Depends on a lot of factors. I just bought a decent position in UPS on a mean reversion + high div bet. I have VIG, VYMI, DGRO and will be adding PFE and other individual beat down high div stocks soon
To honest, I was and am a bit tempted by SPYI because of the tax optimization and their claim their strategy minimizes losses after bear markets (I imagine this might going easy on the covered calls after the market has fallen). Yet I look at similar Eaton Vance funds like ETV and see how they were permanently nicked during the downturn - ETV is still down 20% from 2007 in *nominal* dollars, though it paid 8% or so for 18 years. SPYI and VYMI don't have a history going back to the 2008. Under efficient market theory, there should be no difference in expected returns of SPYI and SPY. But the same theory says 10 year T-bills have the same expected return as stocks. Oh well. On the, um, third hand, the ability to cash out 12% a year (as untaxed return of capital) means that if you hold on for four years, you're kind of covered for a crash. SPYI is paying 12%, so it is matching the overall market for the past decade. This is something I might buy in downturn.
I'm 7¢ on VYMI away from a completely green port.
I like it.Just don't panic and don't sell it in few years if the market is down.Tech stocks will be great in 15 years. I'm thinking of front-loading $250k now, $100k next year, then $35k a year. Mostly Big Tech(Amz, Apple ,Google, Nvidia, Microsoft + S&P + SCHD, with JEPI/VYMI for dividends and some international balance. Everything reinvested, ignore the daily swings. If history rhymes, that's ~$4 to 6M in 20 years. People will say to just say to put in QQQ,VOO or S&P and forget it.But I would say just ignore it.If you are employed and in 20’s/30’s don't forget to maximize your 401k and if you have kids have 529 apart from tech heavy stocks.
I like it.Just don’t panic and don’t sell it in few years if the market is down.They will be great in 15 years. I’m thinking of front-loading $250k now, $100k next year, then $35k a year. Mostly Big Tech(Amz,Apple ,Google,Nvidia,Microsoft + S&P + SCHD, with JEPI/VYMI for dividends and some international balance. Everything reinvested, ignore the daily swings. If history rhymes, that’s ~$4 to 6M in 20 years.People will say to just say to put in QQQ or S&P and forget it.But I would say just ignore it.If you are employed don’t forget to maximize your 401k and if you have kids have 529.
VYMI is up 20% YTD, and has a 4% divvy.
Check out VGPMX vanguard global capital cycles. It invests internationally in a variety of industries and commodities that aren’t directly linked to US tech. VYMI - vanguard international dividend. These are all blue chip international companies in a variety of industries but doesn’t have commodity exposure like VGPMX VIPSX - inflation protected bonds - this gives you a bit of stability in a highly volatile market that is seeing higher inflation. Retirement is 2-3 decades away. Now is a great time to build up your fixed income part of your portfolio. Vanguard has a wide selection of bonds to check out, but considering the inflationary environment, I wouldn’t put too much into bonds, just add a little bit here and there. Last thing to check out, is precious metals industries. They tend to do well in shaky markets that you’re seeing right now. Putting a couple percent into something like SGDM or GDX, both solid gold miner ETFs can diversify your portfolio. Politically unstable times with shaky financial markets make gold and other commodities more valuable. Do some research, find assets that match your risk and volatility tolerance, and keep on saving!
I had to look up SPYI - it's a buy-write find that sells covered calls. It's so new that there's no history of returns. I have some of the Eaton-Vance version because it's tax optimized - most of what it pays out is categorized as return of capital, so almost no tax until you get the initial investment back in dividends, then any dividend is classed as long term cap gains. The one have is called ETY I think. However, it pays substantially less than VYMI. Inside a retirement fund, the tax strategy doesn't matter, but outside, the taxation makes a huge difference. Caveat: ETY lost a lot of value permanently in the crash of 2008-9, falling from 20 to 8, and recovering to 15.7 today. It took a long time to get this this back in dividends (because you were getting 10% of 10, not 10% of the $20 you put in). Unlike the SP500, it didn't recover when the market bounced back. The lesson I get is that these buy-write funds don't recover nicely after downturns, unlike diverse stock funds. Because of the call writing strategy, they lose out on the gains of the recovery.
I’ve been using VYMI instead of sgov this year and have been very happy.
> Does anyone have any advice on what to do next? My retirement goal is 2035. Speaking for myself, here are my choices, that I'm gradually working toward: BRK-B - it has consistently beat the market, and keeps 35% in cash (T-bonds) on hand for opportunistic acquisitions. Don't time the market. Let someone smarter and more experienced time the market for you. SCHD - boring dividends, paying almost 4%, but total return of 8.5% *over inflation* for the past decade. P/E of just 18 or so, so the valuation is reasonable. Less likely to get pummeled in a bear market. VYMI - Maybe. International dividends. VTV - and other value funds, P/E 20 or lower, again priced reasonably by historical standards. TIPS (inflation adjusted bonds) - paying 2.6% over inflation. But only in a tax deferred retirement account. This is to hold cash and bet on a future interest rate fall (like another bout of Quantitative Easing). If QE happens, they'll shot up in value. I'm staying away from: hot stocks and index funds, because they are heavy with exactly the get-rich-quick, get-poor-quicker stocks like the ones that OP is cashing in. Alternatively, there are equal-weight index-compisition funds out there that contain homeopathic amounts of TSLA. If the $600K gain is not in a retirement account, it has to be carefully cashed out to avoid tax consequences, checking out [IRS capital gains brackets](https://www.irs.gov/taxtopics/tc409). It will be hard to bail out without paying $90K tax. You could even write calls against your gainer stocks to squeeze out more money and insulate against *some* losses if you pursue an extended sale schedule. Eg, a March 26 in the money call goes for 24, about 13% of NVDA's price. But you have to know what you're doing, and assume the risk of a sharp fall if you dilly-dally in diversifying.
Building VYMI position currently. A little financial heavy but my favorite loco fund.
And VYMI is up 26% YTD. When you factor in the "fall of the USD" (from all-time highs, btw) what explains the differential 16%? Have ex-US companies suddenly become 16% more productive? Perhaps...it has little to do with the economy, and a lot to do with investing fads? Nah, that can't be it. It's stagflation! Dooom. Dooooooooom! Run and hide! Bring out your dead!
And VYMI is up 26% YTD. When you factor in the "fall of the USD" (from all-time highs, btw) what explains the differential 16%?
VYMI. Global high dividend. With international, I like tilting towards value+dividend
I've realized that I'm no good at picking stocks, so I'm going for stuff like * SCHD - almost 4% dividend, P/E of about 17 (fair by historical standards) * BRK-B - solid track record of actively managed returns, and they keep cash to time the market (and timing the market works for them, just not for me). * VYMI - for broad international diversification broad index funds scare, because they force you to put money into meme stocks like TSLA and PLTR. I'll take the boring stocks that are still fairly priced by historical standards.
VYM and VYMI got me in + territory this morning.
Exactly why I like SCHY and VYMI
Fair enough. This assumes you already hold a US specific ETF like a VOO or VTI, leaving only the VXUS part of VT out. I would compare VXUS against a three fund portfolio of SCHY, VYMI, and IDMO. A lot of people seem to dislike how ex-US VT is and tend to have 80% in VOO/VTI and 20% in VXUS/VEA. I was hoping to show an alternative to that. I think that my alternative is pretty performant while minimizing drawdowns. Again, I want to show people that there are options out there that are well worth a couple extra basis points in expense ratio and will more than pay for themselves.
Not preparing for a crash, so much as uncertainty in the USA and inflation. I rebalanced large chunks to: VXUS, VEA, VNQ and am holding more cash than usual, in after tax investments. Minor tweaks in retirement funds. The biggest move was putting almost all of the new Roth money into VYMI. Small rebalance to international for rollover.
What's an equivalent to VYMI with decent options liquidity? I'm struggling to find one. It has a better return than IEFA.
My 401k 35% GLD. Will sell after inflation actually looks likes its being dealt with 23% SLV, same as gld. 11% VXUS 23% VYMI 8% money market. If I go back into US, it will be VDC to start. S&P is to heavily dependent on a few stocks right now. And i think small and mid sized are going to get crushed so I think a total market index is not a great prospect. Looking at some more targeted international etfs for the future. All told, I'm up about 17.5% for the year. Most importantly, I am not worried about the my investments. In not convinced we will see a big drop, but I expect a long period of stagnation at least in US equities because using your brain is at all time lows.
24% VYMI 36% VGT 36% GLD 4% crypto (BTC, ETH, etc) Rebalance when out by 5% or more. Use [https://www.portfoliovisualizer.com/backtest-portfolio](https://www.portfoliovisualizer.com/backtest-portfolio) to backtest.
VGT/VYMI/GLD and chill.
VYMI is on a tear this year.
Can someone help me out and let me know if I'm on the right track? VOO - 200 USD so far IVV - 500 USD so far (I plan to max out VOO instead, I was stupid and didn't realise I shouldn't invest in 2 S&P 500 indexes - I will keep this and do not plan on selling it) SCHD - USD 50 Bitcoin - USD 40 Solana - USD 15 Let me know what you think I can improve and what I should continue to do? I plan to add QQQ and VYMI next month. This has been 2 months of investing so far, and I'm 26
How do you define "best non US dividend" fund? There's a lot of ways to cut that question since "best" is very subjective. If you simply want to broad non-US dividend fund - the large AUM ones that I usually look at is FNDF and IDV. There is also VYMI which is kinda like VYM but it's high-yield so it's a bit more aggressive.
It’s really easy. You are making it hard. Put 90% in a high dividend non DRIP account. Mess around with 10% trying to learn trading. If you lose that use dividends and savings to try again. This is the most dumb ass you should indulge in. If you want peak smart do a mix of VOO/VYMI and flip burgers while banging Waffle House waitresses until you get one chubbied. Quit job apprentice plumbing buy VOO and then retire at 40 with 8 kids and hopefully first wife hot due to Pilates’s. If not second wife hot younger and loving towards kids. Ex wife best friend and good co parent. From MCD to Eurodouche.
XSX7/VYMI/VXUS are nice non usa funds.
It would be safer to maybe grab like a VYMI over VGT/SPMO. Full international exposure and pays decent dividends with a great annual return as well. I’ll eventually allocate some funds for VYMI for international exposure. For small/mid caps I hold all individually. Trying to target pure growth potential from the individual stocks rather than finding an ETF, which obviously would be safer and probably smarter long term. I’m still new to investing so I’m still learning a lot.
VYMI is an index found that sounds similar to what he's describing
Sitting in cash right now isn’t a terrible idea if you need the money over the short to medium term, except that high inflation is on the menu this year with a small chance of runaway inflation if the federal reserve is seen to lose its independence (eg by Jerome Powell being replaced with someone who immediately pushes for big interest rate cuts). You would be better off, IMO, diversifying some portion of that morning into other conservative value-generating assets (SCHD, VYM/VYMI, maybe an international bond or real estate fund) and also consider some smaller 2-5% allocations to alternative assets like gold or PDBC. This diversification, even if it’s done with small allocations, can meaningfully hedge against unlikely but dangerous scenarios like hyperinflation, stagflation, etc, while not worsening and possibly improving your returns in the base-case scenario
I personally think VYMI is the sleeper pick right now, trading at nearly half the forward P/E of VYM or SPLV. It may be international equities but they’re all huge global companies just like the S&P 500, just valued much closer to historic means.
Would VYMI work instead of VXUS?
I'd go with IVLU or VYMI. Around 4% income and 1 year total returns around 24%.
Some great options: VXUS - basically the whole market outside the US VEA - the whole developed markets (Europe and Japan/Australia mostly) VWO - the whole emerging markets VYMI and VIGI - international high-dividend and dividend growth ETFs: these are large-cap funds tilted slightly towards value, profitability, and lower volatility VT - the ultimate “I just want average returns” stock, it holds essentially all investable stocks on earth weighted by market cap (size), so you could just sell whatever you have, buy this, and call it a day. Some higher expense ratio options you might want for specific purposes: AVDV and AVES - these are well regarded small-cap value funds for developed and emerging markets FEZ and AIA - these are ETFs of the largest 50 companies in Europe and Asia. If your investing thesis is “I like companies that have already cornered the market because they probably have competitive advantages”, this might be for you
Force lowering interest rates is going destroy USD. VYMI and GLD are better hedges. For cash, BWZ.
VYM and VYMI. Buy and hold.
Don’t invest all of it, try to DCA (dollar cost average) $10k or $20k a month. Broad and low cost ETFs are always a safe bet, so VTI or VOO would be strong options as a core holding. I am 27 and like holding exclusive growth and value funds. I use SCHG for growth and a mix of DGRO, SCHD, SCHY, and VYMI for value and international value. Of course, do your own research. Figure out your own risk tolerance (THIS IS VERY IMPORTANT). Some of my friends lost an arm and leg during April because their nerves wore weak. I help on and have since recovered thanks to my value holdings calming me down. To each their own.
lol, fair. Just trying to educate. IRAs are for the long run. Steady income on almost zero risk options plays or investing all into dividend yielding ETF’s like VYM and/or VYMI is the way to go
BWX and GLD if you have cash sitting around. VEU for intl equities or VYMI if you want divvies. Otherwise, US equities should outpace USD devaluation and inflation. Until it doesn't.
nah. you can always buy in to VXUS/VYMI/XSX7 etc etc. diversifying is also good.
Awesome! Thanks for the info. I have used morningstar for some purchase decisions also. I actually do have VYM and VYMI. I didn't realize those were fixed-income (cause I'm a dope I guess lol). I got them for the dividends. I'm gonna check out those other ones you mentioned too.
I sold heavily in my after tax brokerage, and moved things around in my Roth, around January. Much of that went to diversify internationally. It was mostly USA/VTI type stuff before and I opened big positions in VEA and VXUS. I also added VYMI (to balance out VYM) in the Roth. This was primarily to diversify, but they've all done well compared to the original holdings. I had one lucky win, selling a big block of Amazon in the $220s then fully buying back in at 176. OTOH, I sold a block of MSFT and didn't fully buy back in when it was cheap, so I'd have been better holding there given where it's at. I repurchased some VTI in April but am still over 20% cash. The US leadership is too erratic to not bet on the potential for sale prices at any given time. It's mostly been a wash but even if there was a loss, I prefer the diversification and flexibility in my portfolio now, given the inevitable volatility and erratic leadership for the next 3.5+ years.
I'm up 13.7% YTD having shifted out of US stocks to gold, silver, VXUS ,and VYMI. I feel really good. Might rethink it soon but I have had great peace of mind. US stocks make no sense but whatever. As long as I can get good returns elsewhere.
I did. I had everything in FXIAX (Fidelity’s VOO) and sold during the slide. I didn’t time the bottom perfectly but did OK. I bought back in with a somewhat more conservative portfolio: gold, international funds, utilities, and short-term bonds, plus I put about 20% back into VUG and VOO. So far the SGOL has done the best, with VUG and VYMI running second. VYMI has been more volatile than expected causing me to doubt that choice but I’m holding on. Overall, I’m almost back to where I was in late Feb though I have a far different mix. I’m underperforming the market now but just barely.
I am invested in an international ETF, VYMI, and an international mutual fund. Both are doing very well.
I mean if you mean long term as in retirement i would highly recommend concoction of mighty 4 , you cant go wrong: SCHD: 35% VOO: 25% VYMI:25% VWO: 15% Never ever miss DCAing , cheers! 🥂 (Ps: make sure you have emergency funds aka 6 month shield for rainy days)
Long NVDA, PM, RTX, GLD, EUAD, VZ, VYMI Short SPY, TMC, ASTS
From the 5 minute investopedia and wikipedia reading, it sounds like it's a can of worms, lots of work come tax time because of PFIC - "49" hours of professional i.e. CPA work to fill out the required form. IF you're US domiciled. The suggested alternative is to invest in US based ETF's that invest only in non-US assets. Are you diversifying in order to balance your portfolio, i.e. for investment returns reasons? Is that good enough international diversity? Or are you concerned about the US financial system? Note that firms like Blackrock (ishares) and PIMCO and Invesco and etc are either too big to fail or too much of a crash catalyst if they do fail so won't be allowed to fail. In addition, if the US financial system fails, likely the global systems will fail or crash too (at least for the time being. Everyone is planning for a divorce from the US, maybe with some sort of shared custodies, but that will take years). All that being said, I too have been looking for ways not only to invest internationally (e.g. VYMI), but also to move funds off shore. Not a majority but enough. Haven't figured out the latter yet (tax implications, sacrifice of some return vs US wrt bonds).
I went big in VXUS and VYMI and barely anything in VOO a few months ago. It think the US will stall for a lot of reasons including tariffs and retaliatory tariffs, the threat of section 899 and currency changes.
Vanguard has some kick-ass ETFs. VGT beats the shit out of QQQ. VOO has more AUM than SPY. VYM and VYMI are great funds. But there is, at best, an insignificant market for options on any of these funds. Most option chains don't have recent quotes, and those that do have giant bid/ask spreads. Vanguard (or someone) could make a killing making a market on options for their funds, quoting tight bid/ask spreads. Someone there is seriously dropping the ball.
55% with China may no longer be a question, it might become fact. The we will really see how companies react. The problem with the sell off was never the reason, it was the timing. TACO and every minute is a new headline chaos wore people down where they just said, "f this" and they will wait for the economy to respond. Personally I sold near the high, bought GLD and SLV. When the TACOs arrived, I decided that foreign stocks were the right fit. I have 10% and 5% in VOO but alit of the rest still in GLD, SLV and have VXUS and VYMI. I'm up 15% YTD. Can't complain. i will stay fast until more info on Tariffs but you are all not talking about the section 899 changes in the big beautiful bill. If those pass, things will change. If they apply to treasuries, we screwed. That is the problem with this admin, there is too much to take relief at one change.
My bear thesis is that the market stays flat or drifts higher while the dollar goes down. Stupid bols will think they are making money in the market and cheer the next ATH. But in reality, their ports will be worth 20-25% less than when they started the year. VYMI is beating SPY handily this year because of this.
Lots of Europe, lots of international defense. As for China, I’m only exposed to their stocks within emerging markets ETFs. All have done really well this year. See performance charts for EUAD, SHLD, VGK, SCHE, VEA, VYMI for reference. I also bought some GRAB as a single international stock.
The gambler in me would feel like a missed opportunity. In hindsight the drop was too fast but the reasoning for it was sound. Market is a meme now. It can't react and recover before the economy is actually affected, so the near future is not good in my view But I put my money in GLD, SLV and then VYMI and VXUS and finally VOO for the final 5% of the recovery of the S&P. I'm sitting at around 14% gain for the year right now so much better if I sat and did nothing. I still don't understand the recovery, but the drop was too far, too fast. It should be down and slowly trending down further as we get more and more unhinged. But instead it's back where it was. It's weird to me to think we have the same economic outlook now than before liberation day. So I'll stay 10% in VOO and wait and see and I might drop it again. US market will have to react eventually as the economy suffers.
0%. Replace bonds with dividends. VYMI and SCHD both pay nearly the same in terms of return and have growth upside with minimal risk downside.
PM and GLD are the move, buy in if it falls but not at these levels TMC looking good too think it’s going to moon with what ive heard VYMI/EUAD also near ATH but great choices
VYMI and EUAD stay winning My long-term port is up bigly thanks to them, every position green today
I moved to GLD, SLV, ,VXUS and VYMI. I will move back in when sanity returns. The US Stock market can't react and then recover to economic issues that haven't actually happened yet. It's crazy! The market is 100% a meme stock. Now coinbase is in the S&P500 and of course TSLA is. Not for me.
Im out of the US market for now. Cash, GLD, SLV, VXUS and VYMI. Looking at more foreign ETFs and will look at some stocks also. When I have to buy Coinbase and Tesla in the S&p 500, im outa that. I dont see the coming year friendly to small caps and even mid caps, so jot that interested in anything. So much uncertainty, I'll look for gains elsewhere.
VYMI not VYM. VYM will be caught by de-dollarization.
whats with the red and blue nonsense with US investors. supposing the bulls and bears are *both wrong*. what are you going to do then ? ive dumped the US market entirely and shifted to europe. because at least that is pretty much holding steady. simply holding VXUS/XSX7/.VYMI in a US account is sufficient.
I moved 25% of my taxable into VYMI and the stability + slow increase there has been amazing compared to the constant up/down of our market
Mitigation. I have most my money in VYMI and VTI giving my primarily ex-us with some us exposure. This is balances with some long term put hedges against SPY. If the market keeps going up I lose a little as I watch the hedge go to zero. If it starts tanking I have time to sell some things and rotate.
Not monthly but you could get VYM and VYMI for dividends, and monthly there are some reits like ARR armour residential and a mexican reit called FMTY14.
Go look at IDVO. It is the international version of DIVO, and it has performed better than SCHY and VYMI at the same time it has a substantially higher dividend payout.
VYMI has outperformed VXUS substantially in both the long and short term. However it has a slightly higher expense ratio and a slightly lower dividend disbursement. Considering the last two points in terms of past behavior it is a better choice.
Make money off 60+ DTE (to not get wrecked by random Green Day’s) and then chunk your dump your profits into VYMI or other ex-US ETFs in 6+ months when the carnage is mostly over. Fayget
People’s VYMI’s taking a hit!
DIVO, QDVO, IDVO, SCHD, SPYI, VYMI, O. some combination will get you to the 7% you’re looking for.
VXUS is a standard as well as IXUS. I’m not buying them anymore but if you are into dividend plays VYMI and DIVI are nice. AVIV is a good international value play. Of course, AVDV is a good International small cap value ETF.
Not everything is crashing. Reddit has this idea everything is collapsing, because reddit loves trendy fast-growth tech and indexes that are getting rekt. many conservative, value, blue-chip type funds are up YTD or just flat (DODGX, HDV, FEQTX, LEXCX, DODBX, FEQIX etc) as are many international ETFs (VXUS, VYMI, CGIE)
VYMI is international and up 8.5%. I wonder why. Also, high dividends!! Great choice during these times
If you're wanting personal income, you'll want to balance something focused more on capital gain growth like VOO or FDMO with products that focus less on capital gain and more on income like FCO (global bonds,14% div), SRV (energy infrastructure, 12.6% div) BGT (bank loans, 11.5% div), or VYMI (international exposure, 4.5% div). VOO is great. 500 holdings for broad diversification, and follows an index that is a pretty reliable market indicator. But in a recession, or even a brief correction, it can be discouraging watching the market averages sink, and your entire portfolio right along with them. That discouragement can lead to pausing investing, or even selling at a loss. With some dividend income, you can disburse that into whatever products are doing the best at the time, so you can at least feel like you're "winning back" a little during temporary losing streaks, which are a normal part of being in the market a long time.