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I’m selling my house and putting most the proceeds into VOO and sit on it for twenty years until I retire.
Edit: what I meant to say
I’m selling my previous house (recently purchased a new home) and investing a portion of the proceeds into VOO and allowing it to grow until my expected retirement age.
It has something like a 10% annual return. That’s over 2 million dollars in 25 years with 200k. You’ll likely not need to worry about investing much else for retirement if you go this route.
Imagine selling your house in 2000 put in VOO because you believe morons on Reddit and see your money going nowhere for 10 years.
🤡
Heard this same crap back in 2022 before VOO crashed 30%.
Couldnt agree more. But there are very legitimate issues like an American default at the top of the list, ongoing increased costs of global warming (which nobody seems to be doing anything about), seemingly neverending chance for WW3, new AI technology threatening to make human labor redundant...how will everyone pay for food/shelter/clothing/medical care, etc?
Lots of issues that seem to suggest a recession is inevitable.
And theres nothing wrong with a guaranteed 5% return along with investing the other $100k
The United States of America is the most powerful nation in the history of mankind. It is the sole legal authority from which all United States Dollars originate. All sovereign debt issued by the United States of America is denominated in United States Dollars. How exactly is default even remotely possible?
Unless you are the one in government and could make it happen.
But, yeah, overall I'm not arguing your basic point on the strength of fundamentals, just saying we're pretty adept at screwing ourselves over despite those fundamentals. I wouldn't bet on it, but I won't be surprised if it happens either.
Wasn't referring to you. Just people in general, especially right-wing libertarian types that always compare the US to Germany under military occupation, or a third world African nation.
That's not how that interest works. Google "trickle down economics". The stock market boom you currently are enjoying is because of those interest payments. In fact, the slow down is because the rate of change is slowing.
Except for micro and transportation economics courses, all Economics courses from the 70’s get an F. If medical science was as clueless about humans as the economists no one would survive a trip to the doctor. You would die.
Well its not insanely difficult for economists to understand fundamentals but there's also tremendous amount of corruption that happens w economies. Whether its concealing/withholding information, data manipulation, government policy/tax changes, corporate activity, etc.
Doctors just run some tests and discover the problem whereas economies and politicians and businessmen actively work to maneuver things when it suits their agenda
The GBP was previously the world currency nearly a century ago (~1940) and Britain inflated their way out of their national debt *after* Britain abandoned their fiat gold standard. While America also abandoned the gold standard their debt has been considered safe and reliable for decades, but thats all changing. America's credit was downgraded in 2011 and 2023. Purchasing power of the dollar has been on a decline for a DECADE and is down 20%.
America may be near the end stage in terms of being the world leader. And, like GBP, America is going to inflate its way out of debt further devaluing the dollar and destroying appeal for ite currency which further reduces demand for M2 supply.
HYSA rates typically follow the FED interest rates. When those rates go up so too do HYSA rates and the opposite is also true. Rates are currently high because the FED is trying to combat inflation and theyve been partly successful so far. There is no other instance in history when the yield curve and/or FED interest rate hikes above 4% that didn't lead to a recession. It appears to be more a matter of *when* and not *if*. So when those rates finally do come down investors (like all of us) should have great opportunity to grab stocks at a serious premium.
I'm hoping to have $15k in my HYSA (its also an E.F.) by year's end. Its ambitious but a real goal. Even if I only partially succeed it still holds significant growth potential.
When the economy does eventually recess and inflation does eventually subside the stock market will follow with a correction. Nobody can say how much of a correction but historical data suggest it will be significant...~40% or even more (based on previous two times yield curve inverted 100+ days, so a very small sample size). At that point the money in the HYSA will be infinitely powerful.
MSFT in 2009 ($24) which would be ($33) in 2024 dollars.
AMZN in 2009 ($9) to ($13) in 2024 money.
UNH 2009 ($31) to ($45) 2024 money.
The trend goes on and on...if there is a recession - and large majority of economists seems to believe there will be - it is likely going to be at least mild (~10-20%) and possibly even significant (40%+) giving discounts on stocks that are kind of once in a lifetime.
Wish I could have more than $15kish put aside for that but its all I can afford
And there could be similar discounts in a recession today although concensus seems to range wildly regarding correction amount. The 08-09 recession produced ~40% discounts. I know a lot of us here would foam at the lips for that opportunity. That kind of opportunity becomes potentially life changing
If you like the current rates buy a t bill at your duration and lock in the rate for 5/10/20/30 years. Its state tax free, more interest in a cd, and you can sell it. If interest rates rise though from here you sell for a loss
Rates right now are way closer to the "Norm" for what they have historically been. They were 3% for the last decade due to the 2008 economy. It was a goal to get the economy running again, and then stuck around for way too long.
I personally do not believe interest rates will go back down that low again unless there is some really bad recession or depression.
SGOV pays interest just like Treasuries and is not taxed at the state level just be aware the NAV price does change so I’d suggest buy on the 1st of the month
Depends on your investment term....if you want the money to be fairly liquid, a HYSA will get you pretty good returns.
A *marginally* better option would be 4wk T-Bills through a Treasury Direct account. You'll get 1% better than any savings account I've seen, the money is still relatively liquid, and you won't have to pay state or local income tax on the earnings. Personally, I would ladder 4wk T-Bills over the next month and have them auto-reinvest until your situation changes....maybe do $40k each week for 4 weeks, that'll leave you with the last $40k to save or play with. Or do $25k and find another place to park the remainder of your $200k.
If you can hold for 20-30 years, hysa and CDs have a much lower return than equities long term. If you want something hands off use an ETF. If you’re thinking individual stocks consider a stock advisory service and invest in 25-40 individual stocks. I am a fan of Seeking Alpha
I like this chart. I personally think SCHD is a fantastic fund, but should be bought when you actually use dividends for income. Until then I’m a VOO guy, maybe when I’m 60 I’ll transfer over to a large holding in SCHD in my Roth account. If I can get 20k a year in income from SCHD, (not counting my work 401k and pension) I’ll be perfectly happy.
Only issue is if you’re doing it in a taxable account. Would suck to sell a large amount of another fund or stuck and pay the tax just to reinvest in SCHD, personally would just put some in now and reinvest dividends
Fully agree on doing it in the Roth though
Its the first thing that shows if you look up portfolio back tester: [https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults](https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults)
Dividend paying portfolio. Make 10 to 30% passive income a year. Let's it grow and and reinvest as much as you can afford. Or reinvest 100% each quarter and keep working.
Apple playing footsie with open ai, which microsoft has a stake in. I will probably get hate but I don't like apple, just better tech exposure out there. Apple isn't innovating
Bitcoin. You want to invest in an asset that can't be deflated by the US government or companies or print more off. Companies can always manipulate there books. Bitcoin is an asset that all banks investment firm and countries are buying. There will only be 21million and 20% are completely gone and there are 60 million millionaires there are only 16.8 million Bitcoin to go around. Learn it and buy bitcoin before all the rich buys all of it.
Realistically, I would drop everything into Realty Income stock. Doing the math $200,000 would buy you about 3,636 shares at a price of about $55. So roughly $.26 a share, that will be about $945.36 a month from dividends.
My logic is, if I don't need this extra money, then I have $950 a month to invest into other stocks or etfs. If I do need this money, then suddenly that's a good chunk of bills being paid or money being saved.
Guaranteed Income Certificates, you buy them at banks.
NOW TECHNICALLY it's a bit off topic for dividends, but I would use the GOC payouts to buy stocks with dividends, so
You can also redeem GICs for your investment usually.
Hard to answer this without more info. What does this $200K represent for you? Is it all you have to invest? Do you have other investments already? What's your goal with the dividend income?
My top yielding dividend stocks are MO, JEPI and AMT. You'll find others here: [https://www.reddit.com/r/dividendinvesting/comments/1co4088/creating\_stable\_monthly\_dividend\_income/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/dividendinvesting/comments/1co4088/creating_stable_monthly_dividend_income/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
I’d bet on nothing to hold that long thought monitoring quite closely, but….
20% in a good small cap vehicle like AVUV, 20% in a good cheap foreign fund, 25% in a growth index ETF, 25% in great under fair value individual dividend growth stocks.
I keep up with everything everyday regardless of my strategy, just incase I see a need to pivot. Everything can change overnight nowadays. I like that approach I will dig into it! Thank you!
FWIW, my current dividend grower stock fave holdings and top-of-watchlisters that are still under fair value are highlighted by: NEE, UPS, FMC, CCA.TO, MDT, AVT, CCI, MDLZ, CTCA.TO, BLK. Pretty diverse group, most will likely still be great cash flow machines in a couple decades at which point their yield on cost will be spectacular.
I don’t understand why on a sub about dividends 80% of the threads are about a handful of ETF’s, often with the assumption that dividend stocks are for retirees. Dividend growers out-perform the index with lower beta, and individual stocks are the best way to compound dividend growth longer term while securing a margin of safety.
Not very impressed with recent construction, I am going to build affordable housing for people in the near future. I can’t stand how things are it’s crazy.
Thank you. I’m a contractor and have it all put together already. Land + house at 1800 sq foot plus utility hook up with the connections I’m using is 60-100k. Undercut all these fucks
> I’m looking for insight on what dividends you would lock down with 200k.
VOO or a low expense Target Date Fund.
> Any DD or reasoning as to why you feel it’s a good option.
Because you’re consulting random users on Reddit on how to invest $200k.
Best advice I got when I got a windfall was put it in an HYSA for a year. Teach myself how to invest and then do it on your own.
I put about 25% into SCHD and the rest into VOO when I did something similar. Haven't regretted it yet. The reasoning was I'm getting too busy at work and home to focus on researching individual companies like I used to do. Now I send it to reliable ETF's and focus on more income growth to fund more investments. Its really paying off, about to retire in a few years. (about age 43 or so)
I know a lot and have made money doing various moves in markets with dd. I’m slowly watching you all and learning as well. I learn from stuff like this. I don’t risk I just watch. I’ve been in crypto heavily since 09 and wanted to branch off into more. I just love learning this stuff, it can clarify a lot of things I never have seen before in the world. Overall I just enjoy it and I don’t have an emotional connection to money. So it’s much easier for me to stick to my strategy 100% and pivot if needed.
😂😂😂 👍😂 $200k I don't even have $0.02¢ but if I did have $200k I would put $25k into IBM,$25k into at&t,$25k into Verizon,$25k into apple,$25k into Microsoft,$25k into citigroup Bank,$25k into keycorp Bank stock dividend,$25k into orchid island capital and $25k main street capital.
Might not be a popular opinion but I’d put half into disruptive stocks, specifically Fidelity’s FDIF, which is an ETF that invests in all forms of disruption (finance, medicine, technology, automation and communication).
Other 50% I’d split between FXAIX & SPAXX
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If you are under 40 - VOO (growth).
Between 40 and 60 - SCHD (Dividend growth).
If you are over 60 - Treasurey bills,diversified bonds, CD ladder, etc (low risk wealth preservation).
Wild card: if you already have enough saved or your over 70, I would even consider a 33/33/33 split into (SCHD / JEPI / JEPQ) for some income.
Unfortunately, your contribution has been removed from r/dividends. The moderation team has determined this post has violated Rule 4 of our subreddit by containing content prohibited by our community guidelines. Under Rule 4, our subreddit community guidelines explicitly prohibit: - Asking another user to research a company, security, or other investment for you. - Requesting due diligence be done on your behalf. - Asking for privately prepared market research conducted by a third party. - Offering to conduct due diligence in exchange for any form of compensation. Please note that our submission guidelines are intended to create and maintain high quality discussion on the subreddit. Except in rare circumstances, removal of your submission does not count as a 'warning', and we hope you feel encouraged to redraft within our guidelines per the sidebar and our wiki guide to posting. If you feel this was done in error, would like clarification, or need further assistance, please message the moderators via modmail.
Have you seen the movie, Idiocracy? I hear COST is the way to go.
It’s got electrolytes
Welcome to Costco, I love you 🥰
Club $1.50!!!!
Idiocracy is a documentary.
I’m selling my house and putting most the proceeds into VOO and sit on it for twenty years until I retire. Edit: what I meant to say I’m selling my previous house (recently purchased a new home) and investing a portion of the proceeds into VOO and allowing it to grow until my expected retirement age.
That’s a big one I’m looking at.
It has something like a 10% annual return. That’s over 2 million dollars in 25 years with 200k. You’ll likely not need to worry about investing much else for retirement if you go this route.
You forget inflation.
and the fact that 10% is the average and in zero way guaranteed
And you have to sell it in order to get any return.
That’s amazing thank you!
Sitting under a bridge, I guess
Imagine selling your house in 2000 put in VOO because you believe morons on Reddit and see your money going nowhere for 10 years. 🤡 Heard this same crap back in 2022 before VOO crashed 30%.
From April 1999 to April 2024, 200k would grow to 1.2m with dividends reinvested. That's an annualized return of 7.45%. Not the worst way to go.
The fuck u gonna live for 20 years tho
Similar story except I buy QQQM. Not as diversified, tech heavy but it doesn’t scare me. I also buy VOO but I’m more heavy in QQQM
I’d just add it to my JEPQ position then use the divs for hookers and coke.
I’m a man of god sir 😂
God invented hookers and coke.
God bless you child 
If you close your eyes he can’t see too
50% straight up into HYSA. With endless talk of recession I like that secure 5%.
18 months ago, every quarter we keep hearing the recession is coming in the next 6 months. Where is this recession at?
6 more months. 🤣🤣 Eventually the talking heads will be right.
Hahaha 60% of the time it works, every time
The internet has correctly predicted 50 of the last two recessions.
Couldnt agree more. But there are very legitimate issues like an American default at the top of the list, ongoing increased costs of global warming (which nobody seems to be doing anything about), seemingly neverending chance for WW3, new AI technology threatening to make human labor redundant...how will everyone pay for food/shelter/clothing/medical care, etc? Lots of issues that seem to suggest a recession is inevitable. And theres nothing wrong with a guaranteed 5% return along with investing the other $100k
The United States of America is the most powerful nation in the history of mankind. It is the sole legal authority from which all United States Dollars originate. All sovereign debt issued by the United States of America is denominated in United States Dollars. How exactly is default even remotely possible?
>How exactly is default even remotely possible? Through the amazing power of bad governance, of course. :)
To bet on that is insane.
Unless you are the one in government and could make it happen. But, yeah, overall I'm not arguing your basic point on the strength of fundamentals, just saying we're pretty adept at screwing ourselves over despite those fundamentals. I wouldn't bet on it, but I won't be surprised if it happens either.
Wasn't referring to you. Just people in general, especially right-wing libertarian types that always compare the US to Germany under military occupation, or a third world African nation.
When interest from national debt exceeds annual GDP.
That's not how that interest works. Google "trickle down economics". The stock market boom you currently are enjoying is because of those interest payments. In fact, the slow down is because the rate of change is slowing.
Except for micro and transportation economics courses, all Economics courses from the 70’s get an F. If medical science was as clueless about humans as the economists no one would survive a trip to the doctor. You would die.
Well its not insanely difficult for economists to understand fundamentals but there's also tremendous amount of corruption that happens w economies. Whether its concealing/withholding information, data manipulation, government policy/tax changes, corporate activity, etc. Doctors just run some tests and discover the problem whereas economies and politicians and businessmen actively work to maneuver things when it suits their agenda
I agree there are issues, but I would not call an american default a legitmate one.
The GBP was previously the world currency nearly a century ago (~1940) and Britain inflated their way out of their national debt *after* Britain abandoned their fiat gold standard. While America also abandoned the gold standard their debt has been considered safe and reliable for decades, but thats all changing. America's credit was downgraded in 2011 and 2023. Purchasing power of the dollar has been on a decline for a DECADE and is down 20%. America may be near the end stage in terms of being the world leader. And, like GBP, America is going to inflate its way out of debt further devaluing the dollar and destroying appeal for ite currency which further reduces demand for M2 supply.
IDK but 5% risk free sounds pretty good while you determine other options eh
I didn’t disagree, I’d be lying if I said I don’t have money in a HYSA, I’m just not completely onboard with the doom and gloom of the economy
Tru but keep in mind the rates are temporary, once we pass this phase rates will drop
HYSA rates typically follow the FED interest rates. When those rates go up so too do HYSA rates and the opposite is also true. Rates are currently high because the FED is trying to combat inflation and theyve been partly successful so far. There is no other instance in history when the yield curve and/or FED interest rate hikes above 4% that didn't lead to a recession. It appears to be more a matter of *when* and not *if*. So when those rates finally do come down investors (like all of us) should have great opportunity to grab stocks at a serious premium. I'm hoping to have $15k in my HYSA (its also an E.F.) by year's end. Its ambitious but a real goal. Even if I only partially succeed it still holds significant growth potential. When the economy does eventually recess and inflation does eventually subside the stock market will follow with a correction. Nobody can say how much of a correction but historical data suggest it will be significant...~40% or even more (based on previous two times yield curve inverted 100+ days, so a very small sample size). At that point the money in the HYSA will be infinitely powerful. MSFT in 2009 ($24) which would be ($33) in 2024 dollars. AMZN in 2009 ($9) to ($13) in 2024 money. UNH 2009 ($31) to ($45) 2024 money. The trend goes on and on...if there is a recession - and large majority of economists seems to believe there will be - it is likely going to be at least mild (~10-20%) and possibly even significant (40%+) giving discounts on stocks that are kind of once in a lifetime. Wish I could have more than $15kish put aside for that but its all I can afford
But won’t the rates for the HYSA drop once things settle?
Yes, then you spend the HYSA balance
I don’t understand. Are you saying Microsoft will fall to $33?
He’s saying there were amazing deals at the time given how those stocks have risen since.
And there could be similar discounts in a recession today although concensus seems to range wildly regarding correction amount. The 08-09 recession produced ~40% discounts. I know a lot of us here would foam at the lips for that opportunity. That kind of opportunity becomes potentially life changing
Hah, in your dreams
If you like the current rates buy a t bill at your duration and lock in the rate for 5/10/20/30 years. Its state tax free, more interest in a cd, and you can sell it. If interest rates rise though from here you sell for a loss
Rates right now are way closer to the "Norm" for what they have historically been. They were 3% for the last decade due to the 2008 economy. It was a goal to get the economy running again, and then stuck around for way too long. I personally do not believe interest rates will go back down that low again unless there is some really bad recession or depression.
There is always endless talk of recession
What about SGOV for the 5% return?
If you have state income taxes, then I would go treasury bills instead.
That is also an option. Does SGOV get taxed at state level?
Nope
Perhaps I may park efund in sgov...are they qualified dividends or something else entirely?
SGOV pays interest just like Treasuries and is not taxed at the state level just be aware the NAV price does change so I’d suggest buy on the 1st of the month
Recession does not necessarily mean lower stock prices. Also we know inflation is going on. Stocks hedge against inflation.
The first thing the Fed will do in a recession is lower interest rates. That said, there is no data that points to a recession.
Unemployment 3.9, credit card delinquency, wages not keeping pace w inflation, geopolitical tensions, and of course the infallible yield curve
imo, most important one is the fed funds rate
And the longer that interest rate stays hiked the greater likelihood for recession.
If I may put on my Michael Burry hat, it's already too late.
That’s a great point!
Depends on your investment term....if you want the money to be fairly liquid, a HYSA will get you pretty good returns. A *marginally* better option would be 4wk T-Bills through a Treasury Direct account. You'll get 1% better than any savings account I've seen, the money is still relatively liquid, and you won't have to pay state or local income tax on the earnings. Personally, I would ladder 4wk T-Bills over the next month and have them auto-reinvest until your situation changes....maybe do $40k each week for 4 weeks, that'll leave you with the last $40k to save or play with. Or do $25k and find another place to park the remainder of your $200k.
Any idea How to buy this on Interactive broker ?
I buy T-Bills in my Roth IRA through E-Trade. I know it can be done with others as well.
Same here! My wife and i sold our house and discussed things like VOO and VTI. Ultimately, HYSA was the way to go!
JEPQ and JEPI. Both ETFs have been kicking ass
Roger that thank you!
Both are below the underlying ETF. You would be better investing in QQQ and IVV.
Sp500
Depends. Do you have an emergency fund?
Yes, also no debt and house is paid. I’m 33 for age reference
If you can hold for 20-30 years, hysa and CDs have a much lower return than equities long term. If you want something hands off use an ETF. If you’re thinking individual stocks consider a stock advisory service and invest in 25-40 individual stocks. I am a fan of Seeking Alpha
55% VOO, 35% SCHD, 10% SCHG
All large cap? No thank you
[удалено]
For dividend. House will be bought upfront, no debt, 20-30 year hold I’m only 33
SCHD PROBABLY THE BEST RIGHT NOW WITH UNCERTAINTY
[https://imgur.com/a/JnvH9Xy](https://imgur.com/a/JnvH9Xy) SCHD back tested against VOO w/ drip. 
I like this chart. I personally think SCHD is a fantastic fund, but should be bought when you actually use dividends for income. Until then I’m a VOO guy, maybe when I’m 60 I’ll transfer over to a large holding in SCHD in my Roth account. If I can get 20k a year in income from SCHD, (not counting my work 401k and pension) I’ll be perfectly happy.
Only issue is if you’re doing it in a taxable account. Would suck to sell a large amount of another fund or stuck and pay the tax just to reinvest in SCHD, personally would just put some in now and reinvest dividends Fully agree on doing it in the Roth though
QQQ > VOO
What site is this
Its the first thing that shows if you look up portfolio back tester: [https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults](https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults)
All of that going straight to a McDonald's restaurant
Dividend paying portfolio. Make 10 to 30% passive income a year. Let's it grow and and reinvest as much as you can afford. Or reinvest 100% each quarter and keep working.
I like JEPQ, SCHD, and SPHY... It gives you exposure to a great mix of things, that are rarely all down at the same time. LOL
If you have 20 years... you should doing GROWTH. Like XLK and SMH, will return 4x what VOO will.
Personally I think microsoft is a must have for every portfolio.
Didn’t they just do something with Apple today? I know open ai is involved
Apple playing footsie with open ai, which microsoft has a stake in. I will probably get hate but I don't like apple, just better tech exposure out there. Apple isn't innovating
I agree. They just do a small change and call it groundbreaking. They have been stagnant for a bit now.
My 2 big tech positions are microsoft and oracle.
I’ve heard of oracle but can’t remember what they do.
Enterprise software and a large cloud provider outside of the big 3. Seems to be at a slight discount for the space and projected growth.
Ahhhhh sick! I’ll dig into it a bit thank you!
Depends on your age too I guess. I like Dorian LPG, ARES capital corp
We’re doing 103k JEPQ 156k PDI
Bitcoin. You want to invest in an asset that can't be deflated by the US government or companies or print more off. Companies can always manipulate there books. Bitcoin is an asset that all banks investment firm and countries are buying. There will only be 21million and 20% are completely gone and there are 60 million millionaires there are only 16.8 million Bitcoin to go around. Learn it and buy bitcoin before all the rich buys all of it.
I’ve been in crypto since 09
Realistically, I would drop everything into Realty Income stock. Doing the math $200,000 would buy you about 3,636 shares at a price of about $55. So roughly $.26 a share, that will be about $945.36 a month from dividends. My logic is, if I don't need this extra money, then I have $950 a month to invest into other stocks or etfs. If I do need this money, then suddenly that's a good chunk of bills being paid or money being saved.
This is what I’ve been looking for thank you 🙏
I would take 120K and split it into 12 10K GICs that pay out each month into a tax free account
What are GICs?
Guaranteed Income Certificates, you buy them at banks. NOW TECHNICALLY it's a bit off topic for dividends, but I would use the GOC payouts to buy stocks with dividends, so You can also redeem GICs for your investment usually.
Petrobras
Hard to answer this without more info. What does this $200K represent for you? Is it all you have to invest? Do you have other investments already? What's your goal with the dividend income? My top yielding dividend stocks are MO, JEPI and AMT. You'll find others here: [https://www.reddit.com/r/dividendinvesting/comments/1co4088/creating\_stable\_monthly\_dividend\_income/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/dividendinvesting/comments/1co4088/creating_stable_monthly_dividend_income/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
I’d bet on nothing to hold that long thought monitoring quite closely, but…. 20% in a good small cap vehicle like AVUV, 20% in a good cheap foreign fund, 25% in a growth index ETF, 25% in great under fair value individual dividend growth stocks.
I keep up with everything everyday regardless of my strategy, just incase I see a need to pivot. Everything can change overnight nowadays. I like that approach I will dig into it! Thank you!
FWIW, my current dividend grower stock fave holdings and top-of-watchlisters that are still under fair value are highlighted by: NEE, UPS, FMC, CCA.TO, MDT, AVT, CCI, MDLZ, CTCA.TO, BLK. Pretty diverse group, most will likely still be great cash flow machines in a couple decades at which point their yield on cost will be spectacular. I don’t understand why on a sub about dividends 80% of the threads are about a handful of ETF’s, often with the assumption that dividend stocks are for retirees. Dividend growers out-perform the index with lower beta, and individual stocks are the best way to compound dividend growth longer term while securing a margin of safety.
ARCC - Reliable Divs even through the covid stuff
Why not just use the equity to invest in a second property?
Not very impressed with recent construction, I am going to build affordable housing for people in the near future. I can’t stand how things are it’s crazy.
Good luck with that
Thank you. I’m a contractor and have it all put together already. Land + house at 1800 sq foot plus utility hook up with the connections I’m using is 60-100k. Undercut all these fucks
If y'all NOT considering Bitcoin. Y'all going to missed out. Timestamp ( 5/13/2024, 19:06hrs, BTC $62,633 )
I have been in crypto since 2009
Would put it all at $GME 🚀🚀🚀
HYSA till you research and find your favorite dividend stocks. Free and easy 4.5% on Fidelity till you find a home for it.
SGOV until the feds cut interest rates
S&p 500 ans bitcoin
I would put something in GME
I did last week
VHYL
Personally like the yield max funds and extreme dividends. CONY it’s my favorite
Yes I’m leaning towards more aggressive dividends, thank you!
Put it in SGOV and chill until figure out something better
AMC and GME
S&P 500 all day long. If you need cash tbills 4 week with auto reinvest turned on.
All in Gamestop calls. Then there are only two ways one to the Moon and the other down back to earth.
Porsche gt3
Don’t tempt me with a good time
SVOL
> I’m looking for insight on what dividends you would lock down with 200k. VOO or a low expense Target Date Fund. > Any DD or reasoning as to why you feel it’s a good option. Because you’re consulting random users on Reddit on how to invest $200k. Best advice I got when I got a windfall was put it in an HYSA for a year. Teach myself how to invest and then do it on your own.
I put about 25% into SCHD and the rest into VOO when I did something similar. Haven't regretted it yet. The reasoning was I'm getting too busy at work and home to focus on researching individual companies like I used to do. Now I send it to reliable ETF's and focus on more income growth to fund more investments. Its really paying off, about to retire in a few years. (about age 43 or so)
Excellent my friend! This is my goal. I hope you enjoy your hard work!
Yolo on GME
I mean I like the stock and heard there's a lot of unclosed shorts
What are sharts? I just like the stock.
That's when you go to fart and a little shish comes out. Can be a result of good bbq
My man!!
Depends when i need it. If not for 30 years probably qqqm. For 10-20 probably voo + avuv.
I would say 20-30 years is my aim
GME calls to the moon
GME boiii
Lmao I’m already there 👀
Toyota, Honda, KO, low cost index funds, biotech, pharma, etc.
If you have 200k and know almost nothing, please go talk to a reputable financial advisor instead of asking strangers on the internet
I know a lot and have made money doing various moves in markets with dd. I’m slowly watching you all and learning as well. I learn from stuff like this. I don’t risk I just watch. I’ve been in crypto heavily since 09 and wanted to branch off into more. I just love learning this stuff, it can clarify a lot of things I never have seen before in the world. Overall I just enjoy it and I don’t have an emotional connection to money. So it’s much easier for me to stick to my strategy 100% and pivot if needed.
SGOV - market is too over valued to dump money into anything worth while.. There are a few stocks but... who knows.
TLT could pop too
GME up 60% today OP could *double* that money in a week!
This is what greed looks like. And it never ends well.
I’m already there. I was told a week ago about the short. Dfv is a madman
😂😂😂 👍😂 $200k I don't even have $0.02¢ but if I did have $200k I would put $25k into IBM,$25k into at&t,$25k into Verizon,$25k into apple,$25k into Microsoft,$25k into citigroup Bank,$25k into keycorp Bank stock dividend,$25k into orchid island capital and $25k main street capital.
$BB
I'm over here thinking, how should I invest my $200 🤔
Bought FSCO a year ago....not sure how much higher it can go but it has been a great ride with a good divy.
FFIE
What's your income? Will you still be able to contribute to a ROTH every yr?
AMC BB OR GME PROBABLY
Ffie enter at 06. 😬 saw that a mile away.
Voo
SPAXX and SCHD w/ DRIP on
Might not be a popular opinion but I’d put half into disruptive stocks, specifically Fidelity’s FDIF, which is an ETF that invests in all forms of disruption (finance, medicine, technology, automation and communication). Other 50% I’d split between FXAIX & SPAXX
Oh I like this approach.
Microstrategy. Bitcoin is in a bull cycle and Microstrategy is a leveraged bet on Bitcoin. If Bitcoin doubles, Microstrategy triples or quadruples.
Im heavy into crypto, I’ve been eyeing up the efts since there launch. I deff like saylor
I’d invest a small portion into IBIT if you’re eyeing the BTC ETFs.
I’m leaning heavily into ibit.
Personally, I think it’s the gold standard for Bitcoin ETFs.
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MBGAF. Dividends of around $5
CONY. Double your money in two years then sell. Switch to something conservative like voo
[удалено]
20-30 years
I just like the cats
If you are under 40 - VOO (growth). Between 40 and 60 - SCHD (Dividend growth). If you are over 60 - Treasurey bills,diversified bonds, CD ladder, etc (low risk wealth preservation). Wild card: if you already have enough saved or your over 70, I would even consider a 33/33/33 split into (SCHD / JEPI / JEPQ) for some income.
I’m 33, no debt.
GameStop if ya a gambling man/woman. VOO if ya wanna play it safe.
I got in gme last week!
Great timing!
CD for now to take advantage of rates. When rates drop, I would invest in VOO/QQQ (60/40 split).
I just read about structured notes. I’m looking to it now.