Really good day for my $HOOD position. I see Robinhood as one of my hedges against a weaker U.S. dollar because of the company’s exposure to crypto. With bond yields coming down, I like having an asset with a different set of drivers in the portfolio.
I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥 For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎 Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂 Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯 I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼 read more
Congrats, $SCHD, on reaching another new all-time high today! What an amazing ETF. Even more amazing that the ETF gave us SO MANY months of opportunity to buy at discounted levels, and I feel thankful for those months when I aggressively accumulated at low prices. (Disc: I'm long $SCHD. Not investment advice.)
What a week for crypto! 🚀 If you’ve been watching the charts, the momentum shift has been wild, with double-digit gains across the board: BTC (+19%), ETH (+26%), SOL (+14%), and XRP (+30%) leading the charge. Here’s a quick recap of everything fueling the surge: Macro Liquidity Squeeze: The US Treasury’s decision to ramp up long-dated bond buybacks triggered a massive drop in yields, sending global liquidity straight into risk assets. Leverage Flush: Over $1B+ in short liquidations hit across the market, blowing through resistance levels and forcing bears to cover fast. Supply-Side Relief: High-cost miners transitioning facilities for AI workloads have largely finished unloading spot BTC inventory, removing a huge supply overhang. Regulatory Tailwinds: The SEC advanced its new framework offering clearer exemption paths for token issuers. Institutional Demand: Spot ETFs pulled in heavy net inflows, confirming real spot buying power behind this short squeeze. Are you taking profits here or riding the wave into Q4? 👇read more
Cathie Wood's ARK disclosed a $765 million position in SpaceX, bringing the private space company to nearly 5% of the portfolio. This comes as Wood cuts Teradyne by 48%, banking a 347% gain on the semiconductor testing stock. Visit Wood's profile to see her full portfolio and recent trades this last quarter from her 13F filing.
Beskar Capital thinks one of these two stocks will win the (larger cap) stock of the decade. Between these two -who do you think it will be ? If interested, place your VOTE in a comment below! This is the Way! 🏄♀️🌊🏄♂️🌊🏄🌊
$AMD is becoming a completely different business in real time. A few years ago, revenue was spread much more evenly across client, gaming, embedded and data center. Now look at the red. Data Center has become AMD’s largest revenue engine by a wide margin, while the overall business continues hitting new highs. This is the part of the AMD thesis I think matters most. The company isn’t just participating in the AI infrastructure buildout anymore. It is increasingly being shaped by it. read more
Built a little more of my position on $TTWO with GTA 6 release down the pike. Avoided taking it midday as it was flashing green, but was able to buy it in the red at the closing bell going in the weekend. Turning green in after hours trading looks promising going into the weekend. Do you own this video game company? Thoughts?
Distribution yield tells you how much cash the fund is paying you. It does not tell you how much money the fund actually earned. Income investing is not a new way of investing, and while today's covered-call ETFs are relatively new products, the financial engineering behind many of them is not. Leverage, derivatives, managed distributions and return of capital have been used by investment funds to enhance or maintain distributions for decades. Going back to the late 1990s, when I first entered the investment space, there were already funds paying double-digit distribution yields. And the same argument people have today about high yield distribution they were having then. Though they were far less vocal as it wasn’t as easy to converse with as many people all at once. The fascinating part is that most people understand this concept perfectly when you remove the investment fund from the equation. If you ask someone whether they can spend more money than they earn without eventually depleting their savings or taking on debt they understand that. Like if your household earns $80,000 a year but spends $120,000 every year, that extra $40,000 has to come from somewhere. You can sell stuff, withdraw savings or borrow money, but none of those things magically turn an $80,000 income into $120,000 of sustainable income. Yet put that exact same concept inside an investment fund and suddenly people seem to struggle with it. A fund can absolutely pay out more cash than it earns. What it cannot do is create economic return out of thin air. @karyungtom had a well written article on this point I encourage people read it. https://www.blossomsocial.com/posts/High-Yield__POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT?commentId=COMMENT-1787188693133-kl9V1UcW-45z9lALx4jh3jnD8_POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT&parentId=POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT&parentType=POST read more
Four headliners, one story: rates 📊 1. The bond market rejected an intervention. 🏛️ The 30-year hit its highest yield in nearly two decades. Treasury pledged Wednesday to at least double buybacks of 10-, 20- and 30-year debt - yields dropped hard, then fully reversed by Thursday, climbing back above pre-announcement levels. When the market fades a direct intervention inside 24 hours, that's a repricing. 2. Hawkish FOMC minutes. 🦅 A majority judged upside inflation risk greater than labor-market risk. Rate-cut hope, gone. 3. Walmart. 🛒 Beat and raised, but US comps grew 2.6% vs. 3.7% expected - slowest in six years. Stock -9.4%, worst day since 2022, and most of Thursday's 704-point Dow drop. 4. Oil and Iran. 🛢️ Brent near $93-94 on escalating sanctions rhetoric. That's what keeps the inflation - and yield - story alive. Thursday's close: S&P 7,641, Nasdaq 26,067. Friday is repairing, led by financials and crypto, but bonds still aren't confirming. ⚖️ The honest read: this wasn't an equity problem. Earnings were fine. What broke was faith in the long end - everything else was downstream. 🎯 Next up: Jackson Hole, NVDA, PCE 👀📅read more
Since so many people ask how to invest in this sector, or this country, or this asset, I’ve decided to make a comprehensive guide on how you can invest in specific areas. This is NOT portfolio advice, simply information about tickers that you can research yourself. Save this for later so you have a list of ETFs to come back to! Canada: $XIU$XIC$ZCN All expose you to the TSX in Canada. These ETFs consist of all top Canadian companies and access to our national stock exchange. $VCB$VGV$VLB$VAB$VSB$VSC$XBB$XCB Expose you to Canadian bonds; whether it be long-term, short-term, corporate, government, etc. $VDY$XEI$CDZ Expose you to Canadian dividend companies $XRE$ZRE$VRE Give access to Canadian REITs $ZEB$XFN$RBNK Lets you buy the Canadian banks USA: $VFV$ZSP$XSP$XUS$HXS Lets you buy the S&P 500 (learn about hedged vs. unhedged in my other post) $XQQ$HXQ$ZQQ All give you access to the NASDAQ 100 $IWR$VO$VOE$VOT$IJH$SCHM Lets you buy US Midcaps $IJR$IWM$VB$VBR$VBK$SCHA Lets you buy US Smallcaps $DIV$SPYD$RDIV$DHS$VIG$SCHD$VYM$DGRO$SDY Give access from small to high dividend US companies $VTI$ITOT Lets you buy the whole US market $TLT$IEF$VGIT$GOVT$SHY$VGLT Give access to US bonds $XLC$XLY$XLP$XLE$XLF$XLV$XLI$XLB$XLRE$XLK$XLU All give you access to each sector in the S&P such as financials, energy, healthcare, etc. International: $XEQT$FEQT$VEQT$ZEQT Give you an all-in-one exposure to Canada, US, emerging and global markets. $VEA$IEFA$SCHF$SPDW$EFV$EFA Give access to general international exposure $EWJ$EWU$EWC Gives direct access to developed international countries $INDA$MCHI$EWT$EWY$EWZ$EWW$EIDO$EWM Gives direct access to emerging international countries Assets: $KILO$PHYS$CGL Let’s you buy gold directly through ETFs $SVR$HUZ Let you buy silver through ETFs Savings/Interest: $CASH$HISA$PSA$HSAV Access to Canadian savings and interest payments $HSUV-U $PSU-U $HISU-U Access to US savings and interest payments There’s so many ETFs I didn’t go into with dozens of categories, but this should give you some basic starting point to look into your ETF investments. This is simply the starting point, when choosing your investments always research the ETFs, what they provide to you, their fees, your goals, your risk, and what you’re looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com read more
Want to respond to @ronan's feedback yesterday (and the feedback in the comments) with my own post so my response doesn't get lost in the thread Will start my saying I hear the concerns and am taking them very seriously and this is something I take personal responsibility to fix. I really appreciate everyone taking the time to write out their thoughts and see a ton of passion from everyone in solving these issues. As @ronan mentioned, Blossom has always had a spark and uniqueness and it's our job to make sure that spark doesn't go away as we grow. Here's my summary of the top problems I'm hearing and my plans to fix them: 🤖 1. The rise in AI slop posts crowding quality content - This was the #1 problem raised across the comments and is one we're actively working on. We're following @jacobb's suggestion of an 'AI detection' feature with the ability to see less posts like this. This is set to go live in 3-4 weeks, will see if we can accelerate this 😢 2. Us vs them mentality, hostility especially to new creators - This one is a bit tricky as we don't want to overly police what people say. But there's one example someone gave of a new user being called a loser that are blatantly against our community guidelines of respecting one another. I think the same way we've built in spam/scam detection, we need to do the same for these kinds of comments so we can uphold these guidelines better 🏆 3. Too many milestone posts crowding out quality content - I think there is an important place on Blossom for this kind of content as the milestones are encouraging to other investors in their journey (including myself). I think the issue more so is the volume of them. Curious for folks feeling this issue whether they've tried clicking 'see less posts like this' as that should fix this issue. If not I'll investigate and perhaps not a lot of people know about this feature. I think #1 and #3 stem both stem from the feeling that quality content isn't being rewarded... let me think deeper about how to solve this problem more broadly as I definitely see this too and I don't think fixing AI slop will fully solve this. One commitment I have is to spend much more time connecting with and chatting with Blossom's creators, I want to solve this problem as much as you guys do. One good news is we recently hired our first product manager (who is a Blossom shareholder and creator) who will be fully dedicated to helping me solve this and together we'll have much more time to chat with your all and think about how to solve these problems. 🙏 Let's get Blossom back to the glory days of this community!read more
There's still TIME! 😂 You just have to know how to read and listen to it. 🤓🧠 If you are still looking for a place to lay your head, you may want to try here. Link in Bio. Natural selection is alive and well. 😐 This is the Way! 🏄♀️🌊
Coming to you LIVE from Las Vegas, tonight we are back for another Dividend Happy Hour, starting at 4:00 PM PST/7:00 PM EST! 🍹 Here's the link to tonight's Dividend Happy Hour - I'm excited to see you all there: https://www.youtube.com/watch?v=1fsry51zpdY
Hi all , i was planning to allocate the entire portfolio as VT-70%(Equities) BNDW-20% (Bonds) GLDM-5% SLVR-3% IBIT-2% Any thoughts and suggestionsread more
I don’t trust any investing strategy I haven’t tested against my own panic. 😅 Turns out there’s science behind that instinct. Kahneman and Tversky found that losses hit us roughly twice as hard as equivalent gains feel good. So when the market drops and you feel like it’s the end of the world? That’s not drama, that’s your nervous system doing exactly what it’s wired to do. Here’s the part nobody tells you: the “perfect” portfolio on paper is worthless if you can’t actually hold it. I’ve watched people build beautifully optimized portfolios, then sell everything the second things got scary, locking in losses right before the recovery. The math was right. The human wasn’t ready. So now I ask a different question before investing in anything: not “what’s the highest return?” but “can I actually sleep at night holding this?” Your body answers that faster than any risk questionnaire. Tight chest, checking your phone every 20 minutes, that’s not weakness, that’s information. 🫀
📊 U.S. stocks rebounded Friday but still closed out a losing week. The S&P 500 rose 0.43%, the Nasdaq added 0.43% while Canada's S&P/TSX Composite outperformed adding 0.70%. 💊 Moderna ($MRNA) surged 10% Friday and is pacing for its best week on record. The biotech surged nearly 177% Wednesday after its cancer vaccine with Merck ($MRK) blocked the return or spread of melanoma in a late stage trial covering more than 1,000 patients. 👗 Ross Stores ($ROST) closed up 4.39% at $239.04 after earning $2.06 per share excluding items on $6.26 billion in revenue, ahead of the $1.95 and $6.16 billion FactSet consensus. The discount retailer also issued better than expected full year guidance. 🏬 BJ's Wholesale ($BJ) ticked higher after a Q2 beat, posting $1.36 per share on $6.09 billion in revenue versus estimates of $1.17 and $5.97 billion. It raised full year EPS guidance to a range of $4.60 to $4.80, up from $4.40 to $4.60. 🚗 Tesla ($TSLA) shares were up 6% despite a voluntary recall of about 3 million vehicles in China over doorhandle safety. The Information reported earlier this week that the company is preparing an August launch of the Cybercab, a robotaxi with no steering wheel, and Nevada regulators approved its application to run an autonomous network in Clark County. 👨🏻💻 Researched and written daily by @anthony.investsread more
The other day @paulsantori commented on a post of mine talking about taxes and it got me thinking....How many times do we actually get taxed on the same money? I earn income → pay income tax. I buy a house → pay property tax every year. I buy something → pay sales tax. I take my family out for a meal -> more taxes I invest → potentially pay tax on dividends, interest or capital gains. I drive → pay taxes built into fuel. Buy a new car = taxed, buy a luxury car = taxed even more. It feels like the same dollar gets taxed over and over as it moves through the economy. Obviously, taxes pay for the services and infrastructure we all use. I’m not arguing that taxes shouldn’t exist. But it’s still pretty crazy when you stop and think about just how much of your income never actually makes it into your pocket or stays there.... Earn it. Taxed. Own it. Taxed. Spend it. Taxed. And then we wonder why building wealth takes so long. Rip to all those Etfs that I could've bought instead lol read more
Jeff Bezos's Amazon made a massive new $1.2 billion bet on XE, an outsized move that instantly became more than a quarter of the entire portfolio. Visit Bezos's profile to see his full portfolio and recent trades this last quarter from his 13F filing.
sold some schd and schg in non registered account to add to holdings inside of TFSA and RSP added some copart $CPRT for a new holding and some $BRK-B as well as $MELI
If you have been in the passive income space for any amount of time, you will inevitably run into someone saying they do not care about NAV because they are an income investor. Before getting into that argument, there is something worth pointing out because people sometimes use the term NAV when talking about their own portfolio. Your personal portfolio value is not really NAV. It is your capital, account equity or portfolio value. NAV, or Net Asset Value, is an accounting term used for a fund and represents the value of the fund’s assets minus its liabilities, usually expressed on a per-share or per-unit basis. When someone says “I don’t care about NAV, I’m an income investor,” what they usually mean is that their primary objective is the cash flow the investment produces. They are not necessarily concerned about maximizing capital appreciation or watching the market price move up and down every day. Where the argument becomes counterintuitive is that NAV is part of what supports that future income stream. The fund is using its underlying assets to generate returns and ultimately make distributions to shareholders. If that asset base is being persistently depleted because the fund is distributing more than it is economically earning, eventually there is less capital available to generate future returns and distributions. Saying you do not care about NAV at all is very different from saying you are willing to accept some NAV volatility because income is your primary objective. You can absolutely be an income investor and prioritize cash flow. But completely ignoring the value of the underlying assets producing that cash flow is where the problem starts. If a fund’s NAV is declining over time and that eventually results in lower distributions, ignoring NAV is going to create long-term problems. Income investing still requires the investor to monitor NAV and understand whether the fund is preserving enough of its asset base to support that income through different market cycles. In addition, this is where some people get mixed up between managing the fund’s NAV and managing their own capital. As an investor, you cannot personally repair a fund’s NAV. Other than choosing not to invest in the fund, selling it, or reducing your exposure, the NAV is controlled by what happens inside the fund. What you can manage is your own capital. If a fund chooses to overdistribute, it is effectively transferring some of that asset value out of the fund and into the hands of shareholders. The shareholder then gets to decide what to do with that cash. They can spend it, invest it somewhere else, or reinvest it back into additional units of the same fund. But reinvesting that distribution does not replenish the fund’s NAV. It increases your personal share count and may increase the amount of income your account generates, but it does nothing to restore the NAV per share that was lost. Those are two completely different things: the fund manages NAV, while the investor manages their own capital. read more
You have $10,000 to invest today. You can only buy 3 stocks/ETFs and you have to hold them for 10 YEARS. What are you buying? 👇 I'd go $VOO, $QQQM, & $AMZN Let’s build a list of the best long-term investments on Blossom. 📈
I’ve been running a very boring and conservative Balanced portfolio with a variety of ETFs (Index, Factor & a bit of CC) for the last few years. 😴 Since markets have been strong the past few years it’s given me more than enough to cover our expenses. 🙌 But with the popularity of CC/High Yield ETFs and so many finfluencer videos to learn from I thought I’d check a few out and see if it makes sense to jump on the ‘yield train’ to take advantage of these big monthly pay days! Before pulling the trigger though I thought I’d run the theory through a few scenarios using @karyungtom Retirement Spending Calcultor to gauge the probability of my money lasting 30yrs. https://karyungtom.com/retirement-spending-calculator/ We can’t know future return paths but we can run various assumptions based on past market performance and other tools like a Monte Carlo simulator. So let’s see what happens… CURRENT PORTFOLIO/APPROACH Plugging in my hypothetical $2M and setting my spending strategy to ‘Fixed Inflation Adjusted’ with the Withdrawal Rate = 4% starts me off with $80k for spending. Not bad! 👍 Let’s say my time horizon is 30yrs and Inflation = 2.5%. Using the ‘Historic Backtesting’ option (which pulls full history of SP500 data) I can see this Model was a near 100% SUCCESS RATE through all time periods (5-30yrs). [pic#1]✅✅ But… Unfortunately I’m not comfortable running a 100% equity portfolio. Since im running a 60/40 portfolio I need to see what that looks like. THE BALANCED MODEL ⚖️😴 The only way to see the 60/40 Model using the tool is to change my simulation model to the Monte Carlo option. From there - I can keep the 100% equity option or change to a Global, 60/40, Conservative or even a Custom option by entering my own Return/Volatility assumptions. Before moving to my current 60/40 model I hit ‘Run Simulation’ on the SP500 (all equity) just to get a BASELINE result to compare other Models against. This showed a probability of 90-100% for the shorter timeframes but 88%-84% for the 25/30yr periods [pic#2]. Still - odds would be in my favour that our money would last! ✅ Moving to my Balanced (60/40) option I expected a lower success rate due to being more conservative but surprisingly the 25/30yr success rate jumped to 95-90% [pic#3]. A bit surprising - but I’ll take it!!👍👍 That said - I WANT A CASHFLOW MACHINE! 🏧 Even though above result showed that bonds improve my probability of success one PI Finfluencer suggested ‘bonds are useless’ and from all the CC ETF portfolios I see on Blossom I have to assume that 100% equity is much better for the CC ETF approach. Another Finfluencer suggest I need to ‘create a yield at least 3x bigger than my spending needs’. This would let me receive big monthly paydays to cover my expenses and the excess could simply be reinvested! I would ‘never have to sell a share’. Sounds great! Luckily - @karyungtom calculator lets me model all of this out and link to Return/Volatility assumptions based on the preferred asset allocation. So let’s take a look at… THE CASHFLOW MODEL 💰💰 Following the guidance of the Finfluencers I switched the model back to 100% Equity/SP500. This showed Expected Return = 10.5% and Volatility = 19.7% (both seem reasonable and inline). I guess I’ll just have to accept more volatility if I want to benefit from the high yields. 🤔 I referred back to the ‘Rules/Guidance’ I saw online for CC ETFs and saw I should have a mix of 15%+ and 30%+ yielding products. Based on that I set my models Distribution Yield = 25%. YES!!! On the Model’s $2M value a 25% distribution would mean a $500k per year PAYDAY! Now we’re talking! 🤑🤑 Let’s run it! …… WTF! The SUCCESS RATE stayed the SAME. 🤷♂️🤷♂️ The 25yr = 88% and 30yr = 84% is same as baseline [pic#2&4]. So no advantage. The portfolio generated way more cashflow but since I only need 4% to cover my spending I now have to reinvest the excess to make sure I get the same result. Hmm. I guess Distribution Yields don’t influence actual longevity. ‼️ What’s nice is the calculator actually shows this in the ‘Portfolio Path Table’. It even shows a hypothetical share count if you’re interested. Under this approach I guess I at least don’t have to ‘sell my shares’ right away since I’m receiving such big distribution. I guess that’s a bit of a convenience - but kind of offset by fact I have to figure out my reinvestments. 🙃 And wait - CC ETFs have much HIGHER FEES than the Tradtional Index/Factor ETFs I was using for my Balanced Model. 🤔 My model has a total cost of 0.5%. When I calculated the MER/TER of a CC ETF Model it was closer to 1.7%. I wonder if I should lower my Return to reflect the higher cost? I wonder if that makes a difference over 30 years? After all - 0.5% on $2M is $10k per year in fees and 1.7% is $34k per year in fees. Whatever 🤷♂️ - so I’m paying a bit higher in fees ($24k/yr). I can go check out @smallbird.financial website later for his Fee Calculator to see total impact. Let’s ignore fees for now and get back to my options for boosting my MONTHLY CASHFLOW… So far I have the same expected success rate and I’m just receiving cash instead of having to sell my shares but I’m paying a $24k/yr more fees and have to make sure I reinvest all the excess cash that’s coming in. That hardly seems like much of a benefit but since I’ve seen these CC/High Yield investors pay for vacations, kitchen renos and new hot tubs with distributions I can probably afford to take a bit more out for spending right? So let’s see what happens… HIGH SPEND MODEL 🏧🏦 With $500k per year or over $40k per month coming in and a $2M portfolio I can probably just reinvest 50% and take 50% or $250k for extra spending. An extra $250k of spending buys a lot of living!! Let’s go!!! Since my Yield = 25% I can set my Withdrawal Spend Rate = 12.5%. After all - I got some ‘juicers’ now! I’m not sure what a ‘juicer’ is (seems like a made up term for higher risk products) - but I’ll buy them anyway if it means I get an extra $250k! Let’s run it ….. AGAIN - WTF??? My first 5-10yrs looks fine - but by year 15 (when I’m only 65) it shows I’d have a 70%+ chance of hitting $0!! Year 25 = 88% and Year 30 = 90% chance of running out of money [pic#5]. ‼️🤬 So based on this success/longevity is NOT ‘impossible’ it just seems to be a lot ‘less probable’. Especially since this result is the exact OPPOSITE of my Balanced Model and 4% withdrawal that had a 90% SUCCESS RATE. So if I change - I get big paydays each month and don’t have to sell units but I have to take on more risk, pay higher fees, reinvest all the excess cashflow and accept that there’s only a 10% chance that my portfolio may still have some money by the time I’m 80?? Geesh - this is getting to be a lot to swallow. ⚠️😬 Maybe I missed something. Maybe this is better for SMALLER ACCOUNTS. I can change the portfolio value from $2M to $500k and maybe we can use it for our smaller accounts? Let’s run that… FML!! Changing the portfolio value did nothing. That’s also just a 10% chance of our money lasting 30yrs and a 90% chance that it runs out [pic#5]. ⚠️⚠️ Honestly - What’s going on? Ohhhh! You know what - this tool and calculator is probably wrong and just more ‘FUD’ because @karyungtom is one of those ‘growth’ investors. Maybe I should do what the other PI guys do and just block these growth guys. 😂 Then again - I guess the Finfluencers that I watched - despite their videos, spreadsheets, followers & sponsorships - may also just be learning and trying to figure this stuff out. So maybe I should take what they’re telling me with a grain of salt? 🤔 Either way - I get that these tools and calculators are all based on historic data (since future returns are unkown) - and they rely on a variety of assumptions and inputs - but just to be on the safe side and in case this analysis/approach is NOT totally wrong - I better take some more time to think and learn about portfolio construction, distributions and withdrawal strategies before I make a change to my actual portfolio. 🎯CONCLUSION As tempting as $40k / mth looks - given the trade offs seem to lead to a less certain/positive outcome I’m going to stick to my boring Balanced Model with 4% withdrawals because this data shows it has a higher probability of creating more sustainable longterm wealth. ✅✅✅ From these results - distribution yields DONT impact longevity. Only returns and withdrawal rates do. Letting high distributions lure you into bigger spending that is unsustainable is a real risk. 💡💡💡 MY TAKEAWAY ‼️ Despite everything I’ve seen online about the high yield strategies I’ve always seen distributions as a ‘feature’ of a portfolio - not an actual strategy on their own or a reflection of quality or indicator of future returns. This exercise more or less would support that view. 🤷♂️ I can see the use case for some CC ETFs in certain situations but it’s important to consider all aspects. Currently I’m happy with the small % that I own (more as a way to capture volatility vs for the yield) so maybe I don’t need to ‘go all in’ on them and take more risk or pay the high fees across my entire portfolio? 🤔 Since we can’t control markets or returns - withdrawing too much too fast seems like one of the surest way to damage a portfolio’s longevity and we’re probably better to control what we can - asset allocation, strategy selection, fees and withdrawals/spending. ✅ Still happy to have gone through the exercise. Hope this helps and you consider doing the same type of analysis for your portfolio. 🤓 Perspective ≠ Prediction Stay open to learning and do what’s best for you! 😉👍 ————- PS. Whether you agree with my take away and analysis or not - it’s worth exploring @karyungtom tool and entering your own models/assumptions. It’s a good one! 🤓 . read more
