Retires need higher dividends, not growth?

So, if I understand you correctly, HFEA is essentially a 60/40 stocks/bonds portfolio, but on steroids, meaning 3x leverage? Do you still follow this strategy, despite 2022? If so, could you explain why?

Worst case scenario is that IRS disallows this and you have to amend your prior years taxes and pay up as ordinary income plus interest. Read numerous articles on this tax dodge, I think I will steer clear. Also unclear about what happens during high redemptions. Among others, google... The Tax Trap Inside the BOXX

My income from all sources is below the government threshold of $47K so I pay 0% capital gains taxes. And still aggressively investing at 62 years young.

Can you explain this in more detail why dividends are had

I can largely predict when markets go down. It happens every time I buy 😆

No I don’t own it but considering it and what you think which is could be better govt or High from simplify . ? What you think ? And many than,s for the video as usual super good

Can you please do a review on the Simplify Enhanced Income ETF (HIGH)? It uses a call spread to supplement the income from T-bills and I’m thinking about adding it to my portfolio as a slightly higher risk higher return portion of my emergency fund. I love your content, thank you so much!

I learned about this strategy few years ago. The only problem , no one seems to talk about it is how these loans get paid. So the rich sell enough assets just to cover the loan? Do they roll the debt by paying with another debt? Also, the rich cannot deduct the interest rate if it is being used for personal matters ( only IRS itemized qualified purchases deductions) . So who can answer this question? I don’t know any ultra wealthy person.

Thanks for the content

Any update on these ETF

Why did longer term treasury ETF like TLT crash while BIL stayed more stable

I really cant figure out if i should add bonds to my portfolio or nah. could you possibly do a video explaining bonds and why (or why not) someone should include bonds in thier portfolio?

What about CHARLES SCHWAB versions?

Very well done

Revising this video it’s very good and it’s time for small cap stocks

Great video and I can see the rationale for your conclusions. I am a UK investor however so cannot access all of the ETF's you mention. Could you kindly recommend UK equivalents for your modified portfolio?

I hold GOVT, I like the idea of it holding all the curve. question: is it exactly the same as holding intermediate government bonds of it's average (about 8 years)? if not - then what is the difference? I heard this can become a very complex issue.

Bogleheads and Vanguard are not the same thing. That brokerage has plenty of non-Boglehead options to choose from like any other brokerage. 😉

Wouldn't long term government bond funds be better to pair with equities?

Si this etf is like a total bond treasury?

Almost got GOVT, but SPTB is similar and slightly smaller expense ratio.

So is GOVT the opposite of SGOV? Long term vs short term?

I started buying GOVT about a year and a quarter ago in my IRA. I expect it to do well as the Fed begins to lower rates, whenever that happens. All of my smallish IRA is in Treasury Bills, XTRE and GOVT. I'm in my early RMD and Roth Conversion stage.

Me atrai particularmente os investimentos no Tesouro Americano, principalmente de curto prazo como o TFLO. Como investidor fiscal no Brasil, prefiro eles do que os títulos corporativos dentro e fora dos EUA.

I'm thinking about using mutual funds in my Roth Ira (I have Schwab). Would SWTSX/SWISX/SWAGX accomplish this, or would you still go ETFS (VTI/VXUS/BND). I would use the mutual fund version of Vanguards, but Schwab charges a fee.

What do you think of the GOVT ETF from iShares for the total US Treasury bond market? Do you own it?

Um, what about VGIT?

I am glad someone said this, but I strongly agree that treasury bonds (considering the purpose of bonds in a portfolio) are significantly preferred over corporate ones. And, unlike with stocks, I don't see a major reason for international bond exposure.

Crazy thing is this- many preferred shares are issued by below investment grade companies. This below investment grade rating turns away many investors looking to buy preferred stock. Yet, many of these same investors invest in these same companies via common stock without checking their credit rating. And the common stock has greater price fluctuation and no guarantee of a dividend during financial hardship. PS only really appeals to income investors. Growth investors have no business with PS. If you buy preferred stock of investment grade companies at or below par, then there is no need to worry. Just collect a nice dividend until it’s called. Also, you mentioned missed dividends do not have to be repaid. That’s incorrect. Shares that are sold as ‘Cumulative’ will be paid all missed dividends once dividends resume. There is no guarantee of that with common stock.

Has anyone on this channel looked at the Returns Stacked series of ETFs? RSST, RSSB, and there are a few others. Love the content on the channel and I think it would be a great idea to review these ETFs that have greater capital efficiency advantages. I'd also love to hear about a contrast holding NTSX vs. RSSB or RSST in a taxable portfolio.

Damn...I just discovered this fund. I'm guessing it is a bad time to buy it because of the expectation that interest rates will be reduced in the near future.

The wisdom tree products say they track quality and momentum. Also they hold dividend paying companies. Bit annoying as I wanted value tilted and not filtered for dividends.

But why then return of vxus is lesser then veu??