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The amazon comparison is far and you could say the same for Google, Intel, Apple, and Microsoft. When I was out of college and told myself I should invest in Intel. But I didnt' have the many and it didn't happen. I never through about investing in google because I couldn't se…
Yes the same manufacturing equipment can be used but most solar today is may using equipment specifically for solar.
For starters many solar panels made to day are not made from ingots. Instead silicon and other elements are vaporized the to coat met or glass to make solar panels. Silicon from carolina is not pure enough to make silicon in gots. There is no source of silence on the planet pu…
yes but if people don't have spare money due to rising medical, fuel, and tarif many don't have money to spend on solar.
Additionally with the tariffs and now high fuel prices many people and companes don't have spare money to install solar on the roof.
I am using QQQI 13%\* yield, SPYI 11%\*, ARDC 9%, PBDC 9% EMO 9%\*, CLOZ 8%, PFFR 8%, UTF 7%\*, UTG 6.4%\*, fagiX 6%, PFFD 6%\*, JAAA 5.5% The \* indicates tax efficient funds that pay either qualified or ROC dividends. These are theist choice for taxable brokerage accounts .…
I is not an indicator of a covered call fund. NEOS like to put I in there funds ticker. Other covered call fund don't us the leter I.
Cov ered call funds rarely do better than the index they follow. the covered call process converts growth to income and some money is lost to fees and expenes. QQQ mainly produces growth not income. QQQI converts the growth inocme and pays that out as a divided. So the total …
Strange. Move your account to Fidelity, schwab, or Vangard and you won't have this prolblem.
This belief comes form the assumption many people make that all divined yield are very small. There are a lot of dividned funds that pay yields in the 5% to 10% range. No saving account pays these rate.
If you sell 100k in growth or have 100K in qualified dividned income the tax is exactly the is exactly the same. Because both are taxed the same way. Only real difference which many overlook is after selling 100K of gowth its gone forever. If you have 100K of dividend incom…
With dividned you get money without selling shares of stock. In fact you get the money by doing absolutely nthing .
It depends on how it is done. Some funds do it in a way that does allow the price to go up. If it is done with covered calls the NAV was still go up but some the gowth of ther underlying asset may be greater than the growth in the covered call fund.
I cannot speek about india but in the US money is only subtracted from the cost basis for only 1 type of dividned.. Mrs fund or stocks in the US thatpayg a dividend don't don't change your cost basis. In the US if a fund sell shares at a loss but otherwise earns money elsewhe…
it has been profitable in past years. The falcon 9 it the world fire partially reusable launch rocket. They can reuse the 1st stage greatly reducing there launch costs. With new it cost 74 million to put one satellite into orbit. before the falcon 9 the going rate was 300 mi…
With a new child not he way ai would focus on investments that can help you cover your expenses now instead of retirment. With QQQI 13% yield You cold get 1.8Ka month of additional income to hep cover your expense. The income from this fund is taxed at a lower rate than you…
Once think brokerages do today is use your phone number to identify you so if you change your phone number and don't inform them you might get locked out. Same goes for laptops you buy a new laptop that might trigger issues. Sometimes there ia paperwork error and the phone nu…
It doesn't mater if is stockshow or art auction ar charity auction. Go to one and just watch. you will see will see an item come up and no-one is interested and it doesn't sell, then another item comes up and a lot of people want it the price keeps going up until there is one …
I guess the part I'm still missing is that if I can cover living expenses while not selling the underlying assets/shares. How is that not "better" or at least "preferable"? Yes it is better and preferable to have enough income to cover all of your living expenses. Now of cour…
Not with 20K of income a year you will have to pay estimated taxes at come point. So make sure you learn how to do this. So when your income if high enough you will know how todo it.
Good plan but your are heavily reliant on covered call funds I would prefer to see some fund that are not covered call funds Some good ones to consider are EMO 9% yield , UTF 7%, and UTG 6.4%. not high yields but very stable and not reliant on vetoed calls. Also they produce…
for starters funds lock in the NAV version when they have to do a reverse stock split to keep the fund listed in the market. In show you will never revere the NAV that you have lost. Yeild max funds have a reverse stock split about once ever 1 to 2 years. This has to be done …
ADX 8% yield if a CEF that is 100 years old. and ther are others. FAGIX 6% yield is mutual fund that has ben producing steady yields for 40 years ETF are improved mutual funds. the first ETF appeared in the 1990s. Most ETFs as a result are less than 20 years. old.
NAV erosion is when a fund has to sell off assets to cover the dividend payment. NAV is the Net Assessed Value of the fund. So for SPYI a S&P500 over call fund the Nav is the value of the S&P500 SPYI holds. So if SPYI drops the NAV of the fund will drop as well as the share p…
Note99% of all covered call fund with yields less than 15% don't have nave erosion. I found only one fund QYLD that has NAV erosion with a yield less than 15%. Most of the NAV erosion issues everyone talks about are from junk funds with yield over 15% yield Like YieldMax and R…
Keep in mind QQQX is an older fund that that was only a couple of years old at the time. It wasn't use the dynamic cover call stratagies the at newer fund use. These newer strategies limit the ammount of damage a sudden and massive crash like 2008 can cause. And allow for the…
No brokerage has a page were they estimate your taxes. Do ing that would require you to provide data no brokerage has. What they do if provide 1099-DIV wax for which breaks done the the dollar of ROC, qualified, and regular, you then enter that into the appropriate box on you…
This is not correct information on the taxes. 1256 contracts are used by the fund but they have no effect on the taxes the investor pays. the 60% long term captial gains and 40% short term captial gains s for the fund management only. it doesn't apply to the investor. The ROC d…
Its not clear what you mean by: >For those that hold these in your regular brokerage accounts, do you find the distributions so be efficient for it? Many people has these funds and QQQI and SPYI which are very similar. they generate good income and are tax efficient in a taxab…
Focus on your needs first. There is nothing wrong with investing in dividend stocks when you are 28 if you have a need for income security. The only thing you should watch out for is the type of dividned prodcuced. You want dividend that are taxed at the lowest possible rate.…
If you dividned funds do well in the bear market most of your income should. As long as your income is higher than your expenses there is no reason to sell shares. So therefore no risk of sequence of return risk. Now preferably you want about 10 funds each one generating about…
It was written into a 1950s law that created them. If they don't return 90% of ther earning to investors they have to pay extra in taxes. I like PBDC 9% yield that invest in the best BDCs the managers can find. MLPs Master limited Parnerships are also required by law to pa…
UTF 7% yield and UTg 6.4% both existed when the 2008 crash occured. Nether has Severin there 10 year history hav cut there dividend. FAGIZ a corperate government bond fund 6 % yield has always paid it dividend in it 40 year history. I also like ARDC but it didn't exist iduri…
If you take a sample of air anywhere on earth you specs of soil viruses, bacteria, and algae and plant spores and pollen. so if algae dust land on water with the correct nutrients algae will grow. I they had filled the pool with DI water it would have been clear of algae wore a…
A person with a pension can choose ultr safe investment ornery high risk investments The risks and inflation risk are likely covered. by the pension. If you don't have a pension then in the end you either need to make your own pension in the roth or IRA or invest in growth and…
Insider trading is not a choice it is a crime.
politicians are always looking at insider information. Many law they are considering passing can favor one company over another. And when the work on the yearly budget thank are deciding on that the gov iernement is buying. Which gives them the ability to invest in a way to pr…
There are a lotoETFs available. Why don't you look for one that is not invested in an index and invest in that ETF? There is nothing that requries you to invest in grwoth index ETF.
There is no government law regarding founders shares. In fact it is quite common. A quick check on google: * **Alphabet (Google):** Founders Larry Page and Sergey Brin hold Class B shares that carry 10 votes per share, giving them majority voting power. \[[1](https://www.cii.o…
So you want fewer covered call funds for income But in terms of downturn protection ADC is probably no better than the covered call funds. ADX generates income by buying and selling assets in its portfolio. Covered call funds basically do the same thing but they the newer optio…
Does SCHD have the highest stable dividend?NO. Does SCHD have the growth in share price? Yes Does it have dividend growth? Yes. Montly dividned payments? No Quarterly SCHD is a good example of general purpose product. it is good overall but it is not great in any one thin…
The overlap concept ior just a tool that can be used to evaluate a portfolio that overlap many be good or bad depending on the investors goals and risk tolerance It should not be use to generate a yes no answer on whether you should invest in a fund or not. Often invsestory hav…
For the higher yielding covered call funds they are bast used to to generate income to be reinvested into nsomething else. Because of the high yield BTCI willl only generate tax free income for about 3 years. And there is a higher risk of NAV erosions. Currently BTCI does no…
NAV erosion occurs when a fund has to liquidate assets to pay its dividend. So the funds that pay a yield higher than the overall mareket average return are the most likely to have nav erosion . Early on I looked at ta lot of covered calls funds and notice that the ones with NA…
If you are worried abbot the index at all time highs I would put the money into something that is not in the index, Business Development Companies and Master limited partnerships are generally not in the major indexesTwo fund for investing in these companes are PBDC 9% yield, an…
preferred stocks come close. Preferred stocks have bond like atributes. So don't expect much growth. Share price is very stable. and preferred have seniority over the common stock so the dividend for preferred stocks will be payed before the common stocks so the dividned is …
Withdrawals in a roth are not taxed. 401K withdrawals are taxed. So the roth is better for dividends because there is absolutely no taxes capital gains dividend and withdrawals.
I have more than enoughgrwoth in my 401K and taxable. So my roth is all dividend funds That way I have tax free income after 60.
If you don't like QQQI or SPYI you could use UTF 7% or UTG 6.4% these existed during the market crash of 2008. 20 years of history and no dividend cuts.
about 3.5% is the best you can hop for from bank or brokerage money market. CD you might do slightly better. However you could invest it in a dividend fund like PFF 6% yield, UTG 6.4%, and UTF 7% or even EMO 9%. these all produced qualified dividend which will be taxed at a …
ARCC will recover Most BDC are still healthy. Instead of just holding one BDC I have PBDC a ETF 9% yield. and acitivly managed fund t invests in about 20 of the best BDCs. Note SEC rule require the fund to list the funds expenses plus theexpeness of the BDC it hold. This me…
Bond a debt obligations meaning when you buy one you are effectively giving the company your money which they promised to pay back with interest. So normally the price of a bond is stagnate with no growth. But for variety of reason some people deside to seek the bond before al…
I would not invest in a gold index. Gold has a tendency of going many years with minimal to no growth and then suddenly for 1 to2 year has massive gianas. I would much rather own a cold covered call fund like IAUI or IGLD These funds generate about 10% dividend yield from gold…
None of the funds on your list have no history of NAV erosion. Covered call fund with yields of 15% or more often have significant NAV erosion. You Non of funds in your list have NAV erosion and likely will never have it. Yes the fund are untested in a bear market but but the…
OP recieve an inheritance. For an inheritance can be very hard to get that money into an IRA. You canontput it in a 401K and if that inherited money was already in a IRA or roth it iyou get an inherited IRA. You can keep the money in the IRA for 9 years In the 10th year you ha…
Not all dividend are taxed at the same rate: Ordinary divined are taxed at the same rate as work income. Qualified dividends are taxed at the capital gains tax rate ROC dividned may be tax free for years and then are taxed at the capital gains tax rate. And government bond a…
One approach people take is toad the taxable account to generate income to help pay forbids and living expenes But to do that You need to consider that the type of tax generated by each fund which means avoiding if possible regurla dividends, and focusing on qualified and ROC div…
Just because it is popular doesn't mean it is the best for everyone. A lot of growth investors just aim for a 4% yield because it the 4% idividend is consistant with the 4% withdrawal rate of the 4% rule. Also may growth investors are unsure or uncomfortable with dividend and …
If he has any excess invome he canreinvest it for more inocme to compensate for inflation. Diviend grwoth rate is not the only way to compensate for inflation.
Most of his fundsare taxed as ROC dividend or qualified dividned. Worst case only 20% of the income is taxable income. Some the ROC divdeind will be tax free for a period of about 7 to 9 years and then will be taxed at the Qualified tax rate.
If you want income use dividend funds. If you wang share price grwoth invest in grwoth fund
If you want lower tisk add UTF 7% and UTG 6.4% both have a 20 year history of no dividend guts.
You constant whenever you want. How long it takes build it up to the income you wan ttakes time. And more money you deposit per mont the faster the fund will grow.
I tend to like investing in the highest yield first and then use its dividends to help buitd the other positions. they are all good funds.
I don't know anything about OVL but quick look it seems fine. One thing you have to keep in mind is taxes AND JEPI produces ordinary income so you are taxed at the same rate as work income. Which is also the highest dividned tax rate. I woulddrop this one. SPYI and GPIX a…
I would open a taxable brokerage account and invest any spare money you have into a money QQQI 13% dividend yield. Dividned are cash profit share payments to you. QQQI is a tax efficient fund so you will not pay paying a lot in taxes from the extra income. I turn off the auto…
Without knowing details of what you sold and the capital gains it is impossible to know if you tax calculations are correct. I Suspect you might be underestimating your taxes . I would personally talk to a tax professional to at least verify your work. I am concerned you are …
Acceleration has nothing to do with gravitational waves. Motion will create a bow shock gravitation wave It is velocity and very high density that creates gravitational waves So an individual black hole will slow down so bow gravitational wave will cause the black hold to slow d…
For starters the fairings are not cheep. Roughly 6 million for the set. In comparison the second stage costs 10 million. Space X would prefer to reuse the second stage but that would dramicially reduce the payload and require a larger booster. Right now SpaceX has to operate…
IF you are investing in growth index funds. I can see why you hav come to that conclusion. But if you invest in dividend funds you get cash income you can use to invest in other dividend stocks or rental properties you want. The main reason people look to real estate is the …
All growth index funds pay a dividned because the law requires them to. IF any of the stocks pay a dividend the law requires the fund to pass that dividned on to the investors. The lowest dividend I have seen on growth index funds is 0.5%.
Or you build up income in excess of your monthly income so the excess can be reinvest o grow your dividend income. Don't hope the dividends will rse with inflation. Because if it doesn't happen you could be in serious trouble. So make sure it happened .
1.5 times you average montly expenses. That way most of the time you have excess income that can be reinvest to compensate for inflation.
The issues with retirment is that inflation reduces the buying power of you income. So desirably you want your income to grow over times at a bout the rate of inflation or faster. There are basically 2 ways to compensate for inflation Now growth investors seek to soldve this…
As stated inflation isn't 7% per year. mORe like4 to 4.5% But these dividend funds have an annual dividned yield of more that is greater than inflation QQQI 13% yield, SPYI !!%, ARDC 9%, PBDC 9%, EMO 9% CLO 8%, PFFR 8%, UTF 7%.
Everyone can see the historic sharpe pice trend on nay app. But if you want a graph of cash dividend payout very few apps have it. AAeacking alfa and other sites have these graphs. And that should be checked along with the total return and and a review of ho the fund operates…
The shuttle tiles were designed to last for 100 flight but sometimes tiles would have to be remove to access some areas of the shuttle or impact damage during landing and launch often was the primary reason why the tiles were replaced.
The tiles are aver very good insulation. So during reentry hteoutside of teh shuttle tiles was hot but the aluminum skin underfeed was cool. However after landing there would pipe cool air though the shuttle wings because of the trapped heat would gradually work its way toward …
The second stage of the f alcon 9 could be made into part of the space station once the payoad and send stage achieve orbit you would vent all remains fuel the new would dock board and then open hatch to access the oxygen and fuel tanks. for more living space. Nasa turned the …
1 million in dividend depdendon on the investments used can generate 50 to 100K a year of income. That is enough to cover the living expenses of most people. So most of the time you wouldn't need to sell. any stock most of the time. And 1 million in growth can be sold and r…
Unfortunately many growth investors that have never look for dividend and they always assume 2% to 4% is typical for dividend investors. Its not Some of my favorite dividned investments are ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, PFFR 8%, UTF 7, UTG 6.5%, and FAGIX 6%. And some hav …
Keep in mind the NOBL is mostly growth fund with a small dividend. The slightly higher dividend means less grwoth than SPY So yeas it is going to unerperfrom in total returns. Did you notice what that site didn't tell you. It didn't say what the actual dividend payment wass i…
I am living off of about 70% of my dividend income. The reaminag 30% is reinvested to gradually increase my income to compensate for inflation. The last time the US had inflation of 19% was 1920 the highest I remember is 13% in 1980. were did you get you nubers.
The highest tax bracket for california is 12.3% and you have to have 700K of income to be in that tx bracket. The highest federal bracket is 37% and that requries income of 600K.
The dividends of SCHD are taxed at the captial gains tax rate. Which means worst case only 20% of the yearly total dividend is added o your taxable income. Best case you owe zero additaionaltax on the dividned income. So in summary like most people you guess of the tax is of…
No. * Some are taxed as ordinary inomce. * Qualified dividends are taxed at the capital gains tax rate which is lower than ordinary income. * And there ROC which are tax free for years before convert to qualified dividends. * And then there are municple bond and coverma…
Armchair income on youtube is good place to look for fidivend funds. He is retired and investing in dividend funds. and he makes his portfolio available. And he does detailed reviews of many of the funds ha has.
dividned retirment are diversified. Many that use invest in individual stocks often have 40 or more stocks. I have seen protfolios of 100 stocks. But the other path for dividned investing is to invest in dividned funds that generally pay more than t5% yield. With this method …
total return, what they invest in, and divided stability are more important then expenses. And for some ompanes like Master limited partnerships creat K1 taxes which complicates fund management which adds expenses. And many index don't include MLPS or BDC for because the indust…
during covid I saw no dividend cuts. only star point drop. In most recession mostcompaones don't cut the dividend. Only the most financially weak companies cut the dividend. In covid most companes that cut the dividend we restaurants, hotels, or REITs and stores sold cloth …
Those with fewer funds may see the each fund will represent a larger portion of your inocme And in a recession some funds will do worse that expected earlier. And if one has a big dividend cut you could find yourself short on income fora while. SO having more funds is in a way…
well if you have thousands of share of company that pays dividend you can choose tho recieve the dividends cash instead of rinvestingit. If it doesn't pay a dividned you can choose to see it and reinvest into Dividend ETF that pays a dividend. One of my favoritedividend funds …
Invest money in a dividend fund like QQQI 13% yeild. Dvidends are cash payments to you. you can spend the money orrienvest it. In short you can use your investment to generate income without selling any stock.
Many people have an IRA or 401k. preferably both spouses should have there own accounts. A taxable brokerage account for money that cannot be put into retirement acount And then people have a savings account. Now most just invest in growth index fund in these accounts or…
When theIRA was created there were no growth funds, noretirment funds, and mutual fund and CEFS had high fees. So most people in the 70s were not investing in the market for any reason. Most investing was done bu institutions (insurance companyes, banks, pensions). So most wer…
There can be a lot of errors or omissions in in inflation calculations. And the over all effect is inflation is probably higher than we think it is.