If I Retired, This Would Be My Income Portfolio

One of the most common groups of questions that I get revolves around what would be good to hold in an income-focused portfolio for someone who’s retired or about to retire. And it’s something I think about constantly as I prepare for my own future later on down the road. So in this video, I’m going to discuss and give my own opinions as to what I think retired income investors should prioritize when constructing their portfolios and the types of investments that I would personally hold if I either didn’t want to work or was no longer able to work. One of the biggest issues when attempting to answer what are the best holdings for retirement revolves around the size of someone's portfolio.
Someone who can only save up $500,000 for retirement is going to have a different portfolio than someone who’s saved up $5 million. If you only have $500,000 and you want to completely live off dividends, you’ll have to invest in higher-yielding holdings. If, on the other hand, you’re lucky and have several millions saved up, you can invest in a stock yielding 2 or 3% and still live comfortably. So note that when I give my own opinion as to what I’d suggest retirees hold, I’m going to assume you don’t have more than a million saved up. Although I already dedicate my portfolio to higher-yielding investments, many of them are still dedicated to growth.
/ dividendbull
#dividendinvesting #dividends #dividendstocks

[@EthanWalter-wn3mk]

Retirement has become increasingly difficult for many people, especially with low-paying jobs, rising inflation, and high rents making it harder for workers to save. Even middle-class Americans are finding it challenging to afford a home, leaving them without a secure place to retire.

[@KatelynnCox-qb5er]

The rising cost of living has impacted my retirement plans as well. I had hoped to retire at 62, work part-time, and continue saving for the future, but now I’m worried about whether that’s achievable. I can’t help but wonder if those who navigated the 2008 financial crisis had an easier time compared to the challenges I’m facing today. The combination of stock market volatility and declining income is creating significant anxiety about whether I’ll have enough funds for retirement.

[@DorothySmith-k8r]

It’s generally recommended to save at least 20% of your income in a 401(k). Joseph Nick Cahill taught me to calculate how much I should save based on my age and income. I’ve been working with him for years, and his decades of experience in the markets have added incredible value to my portfolio. He’s helped me achieve significant growth.

[@ArthurJones-v2i]

​@@DorothySmith-k8rhow can I reach out to him?

[@DorothySmith-k8r]

Google his full name

[@DorothySmith-k8r]

JOSEPH NICK CAHILL

[@mikefallert1306]

Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

[@Joeknowsball247]

target date funds made me a multimillionaire but i also watched them drop 40% in a very short time and take a long time to recover. my best suggestion is that you seek the guidance of a fiduciary to avoid mistakes

[@camille_ann3]

This is definitely worth considering! Do you have any recommendations for professionals or advisors I could speak with? I really need help with proper portfolio allocation.

[@Joeknowsball247]

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Judith Lynn Staufer turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.

[@AaronTilt]

Thanks for sharing. i searched her full name and found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.

[@Mlanderos-t9e]

I have an Investment portfolio that's worth $500k, I don't think that'll be enough for retirement. I need an average risk investment strategy in stocks that'll give me more yield. Is buying stocks now a goods idea?

[@Anessa-gibson]

The importance of mitigating risks might be why many investors are turning to advisors for guidance.

[@garnold-l5p]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@Raniyanhunter]

Could you kindly elaborate on the advisor's background and qualifications?

[@garnold-l5p]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Teresa L. Athas’’ for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@Anessa-gibson]

Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

[@Williamjame444]

Every day that passes I'm constantly thinking of ways to increase my passive income Because I know that I don't want to work until I'm 60. So, I'm doing everything in my power early on to increase the money I make while I'm not working.

[@jackwillison177]

It is much more challenging to create a strong financial portfolio therefore it would be wise to get much needed assistance from a real finance professional. You can then receive strategies that are specifically suited to your long term objectives and financial goals.

[@vivianlucy141]

Nice. People often underestimate financial advisors' importance. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 6 years, resulting in a $3 million portfolio.

[@AndreaRoberto-wm3th]

Who is this person guiding you and how can i reach them?

[@vivianlucy141]

She goes by ‘’Melissa Elise Robinson’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@AndreaRoberto-wm3th]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@TortoiseInvesting]

You're such a unique investor! Absolutely enjoy hearing your thoughts and opinions on high yield investing

[@Bobhenry-c7z]

This channel is amazing and it has been very helpful to I and my spouse, I like holding long term stocks , I'm having $300k from a house sell in NY looking out for best ways to diversify.

[@purplebliss6875]

Portfolio diversification is probably the best investment principle, but I suggest you hire a FA to manage your portfolio to reduce risk and effective investing , I do same .

[@VanPelt54u7fcyde57]

You're right Olivia most at times people tend to downplay the need for a FA , I have been netting $90k in every quarter with the help of my FA , it keeps your mind at rest 😊

[@jamesfriedrich1150]

​@@VanPelt54u7fcyde57this amazing , I have been doing this all myself in the past couple of yes and my portfolio has been performing so badly 😢😢, how can one get access to a licensed FA?

[@Bobhenry-c7z]

Amazing , my portfoli0 as been performing badly lately 😔😔 tho I've been doing great past few years on my own . How can one get a reliable FA?

[@austinbar266]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@rogerwheelers4322]

It is much more challenging to create a strong financial portfolio therefore it would be wise to get much needed assistance from a real finance professional. You can then receive strategies that are specifically suited to your long term objectives and financial goals.

[@joshbarney114]

I'm sure the idea of an investment-Adviser might sound controversial to a few, but a new study by Motley-fool found out that demand for Financial-Advisers sky-rocketed by over 42% since the pandemic and based on firsthand encounter I can say for certain their skillsets are topnotch. I've accrued north of over 880k within 16-months from an initially stagnant Portfolio.

[@FabioOdelega876]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@joshbarney114]

I definitely share your sentiment about these firms. Finding financial advisors like Colleen Janie Towe who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@FabioOdelega876]

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Colleen up and send her a message. You've truly motivated me. God's blessings on you.

[@Edgardo477]

I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. fully retired with over $3.5million, my dividends is supplementing my retirement at the moment. started saving and investing in 2010 in growth, No regrets and financially free

[@ArchieLatham502]

I'm scared but also excited to add to my positions as the market drops

[@Edgardo477]

Can't advice you on the best approach i'm not a pro but will recommend you speak with an FA, Martha Cornell Kerns, credit to her constant advice and guidance

[@Edgardo477]

is never an easy step, it takes time and dedication

[@absurdnerd7624]

@@Edgardo477 does "Martha" spit or does she swallow? Gum , 😜

[@absurdnerd7624]

@@Edgardo477 there is no truth to the rumor that "Martha" was a student of Bernie Madoff 😋 Only a very naive person would believe the apparently fake testimonial and conversation on this thread. Like they say "a fool and their money are soon parted"

[@arigutman]

Great video, all solid retirement stocks... safety and reliability is key in retirement so I think you nailed it here.

[@Javier_Rodri]

How do people manage in retirement since 401k's are nothing to write home about? My 800k turned to 250k in no time. I'm 55, will I work till God calls me?I

[@benalfredo]

I worked until 60, I was atm the top of my income game, liked my work, and we couldf both go on Medicare. I ALMOST fell into the “only one more year” trap.

[@Javier_Rodri]

How did you apportion saving, investments and expenditure?

[@benalfredo]

Finances: 35% in 5.25% secure, 40% stocks, 5% cash, 10% gold/silver, 5% Series I savings Bonds, 5% “play” stocks (TSLA, HD, CCL). Key: NO debt. I don’t need my RMDs, thus, take as QCDs. This is a unique portfolio as apportioned by my fa

[@Javier_Rodri]

Who is this person you use? And roughly how much do you pay for this service?

[@benalfredo]

Each portfolio is peculiarly apportioned according to your taste and sentiments, but Monica will straighten you out if you work with her in particular. I have a portfolio of almost a millions and her aum exceeds 500 million, you will be charged a negotiable fee in form of commission

[@MattDouglas-hj9wh]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains with months, I'm really just confused at this point.

[@trazzpalmer3199]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@SarahTaylor_]

She appears to be a true professional in her area. I Googled her and found her website, which I visited and read to learn more about her credentials, academic background, and job. She owes me a fiduciary duty to act in my best interests. I made an appointment to use her services.

[@BrettANordsiek]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.

[@yeslahykcim]

While the current market offers short-term profit potential, it's crucial to note that executing such a strategy requires expertise and skill.

[@andersonedward787]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I needed a good boost to stay afloat, hence I engaged the services of a true market strategist to help rejuvenate my $700k portfolio and boost performance and returns by 40% in a little over four years.

[@andersonedward787]

I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.

[@Tonyham198]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@bkozulla5841]

Check out Paul Merriman. He is a financial TEACHER. He has a national podcast and excellent t information. He runs a non-profit foundation. If you don’t want to spend the time to learn, you may need to work for a financial planner until you are confident. Please choose a fee-based, 100% fiduciary.

[@SpeakerBuilder]

i am at retirement age now, and plan to begin drawing from my stock investments in just a few years, and I began investing just two years ago. Following Alan's advice, I invested in BDC's, REIT's, CEF's and CC ETF's, all yielding an average of over 10%, and last year the yield in each of my accounts was over 11% of my cash investments so far, and this after just a year or so of reinvesting the dividends. Also, I plan to draw on three sources of income, my SS, two commercial property rents, and my stock portfolio. So my goal is to be able to receive 3K from each, and to achieve this, I will need just $300,000 in the market, which makes me feel ok as not too much of my assets are at risk in the market, and so whatever happens there is not the end of the world for me.

[@GrandPrix46]

My plan is DIVO, JEPQ, MAIN, PFLT, SPYI, and SCHD for the core funds. I'll have a few others just because, TSLY, APLY, OARK, and SVOL in smaller percentages, though.

[@josephammon715]

I really appreciate the dedication in each video you post. To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Desiree Madison focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. Her skills set is top notch.

[@LesterHess-t1x]

Although my investment portfolio is approximately $500k, I don't believe it will be sufficient for my retirement. I need to invest in equities with an average risk that will offer higher returns. Is it wise to purchase stocks these days?

[@wmwoods-l4f]

The significance of risk mitigation may be the reason why so many investors are seeking advice from experts.

[@wmwoods-l4f]

The importance of mitigating risks might be why many investors are turning to advisors for guidance.

[@j.ottinger]

Many people minimise the importance of advisors until their own feelings become intense. A few summers ago, following a protracted divorce, I needed a boost to keep my firm viable. I looked for licensed advisors and found someone with the highest qualifications. Despite inflation, she has helped me increase my reserve from $275k to $850k.

[@karitanaw]

Could you kindly elaborate on the advisor's background and qualifications?

[@j.ottinger]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Annette Marie Holt’’ for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@christmas10023]

Our investment choices are becoming more and more the same Usual Suspects. Thanks. I do my Own research and your videos are a big help.

[@williamstoker8027]

I got 20to 30 % in closed end funds. The important thing to me is a good management team shouldn’t have to make a decision between return of capital or cut the their monthly payments if the market allows it.

[@Mr_Glock19]

40% JEPI/SPYI/JEPQ/QQQI/SVOL 40% REITs/BDCs 10% SCHD 10% GLD/SLV/BTC

[@halwiggam5465]

I had tax problems with reits

[@7SideWays]

​@@halwiggam5465yeah, I only hold high div payers in Roth. The yield max 40% suggestion above will absolutely decimate us in taxes outside the Roth.

[@jamesleonard4713]

Great Video. I just retired this past week at 55 and I've had my investments lined up pretty similar to what you suggested, for the past couple of years. I created a target of replacing my salary with dividend income and continued to funnel money into those investments until I hit my target. Some slight differences I have, would be that I don't own any individual BDC's. I prefer to own a ETF that holds a basket of them, like BIZD, whose top 10 holdings include all 3 of the BDC's you mentioned. I also am ok with owning covered call funds like JEPI, that offer some growth, but have much higher payouts than the dividend growth funds like SCHD. The covered call strategy is a low risk way to generate more income in my opinion. I reinvest a portion of the dividends every month to hedge against inflation, so I'm not relying on growth even if I do live to 100.

[@paulbrown4649]

BIZD expense ratio 11.7% 😬😬

[@jamesleonard4713]

@@paulbrown4649 It's a fund of funds, so it has to report all the fees for all its underlying holdings. So what's listed is the fees charged by all those different funds it owns. However, its no different than going and buying all those funds on your own individually. The fee BIZD charges is .40, for screening all the funds out there and then selecting the best ones for you.

[@jamesleonard4713]

@@paulbrown4649 BIZD's management fee is only .40%. The rest of that is the accumulation of the fees for all the other funds that it owns, since it is a fund of funds. By law they have to report all the funds cumulatively, but It's no different than if you owned all the funds individually outside of the fund, except for the .40 fee that BIZD charges for doing all the research and selecting the funds for you and monitoring those funds year after year. Their fee isn't high by industry standards and I'd rather pay that fee than do all the work myself and risk buying the wrong fund and losing a bunch of money because I can't realistically diversify myself, like I can by buying the fund.

[@mmabagain]

@@paulbrown4649 Actually it's not that high. Since it is a fund of funds, it has to show the expense ratio for all of them. The actual fee for BIZD is 0.4.

[@klomax7089]

Thank you for this info 👍🏾

[@tvtriviachampion]

That’s a good list and I have a similar approach. Armchair Income just bought PFFA and I think falling interest rates will be a tailwind for it. He also bought PBDC (BDC fund). Any thoughts on that one?

[@dominiquetheeasyminimalist]

Excellent video idea! I'm retiring in 10 months and started transitioning my investments last January. I intend to keep 20% in growth stocks and ETF, 80% in income investments. I'm choosing funds and BDCs with long track records to mitigate risk, thanks to the help of your videos and hourssss of research. I own ARCC, HTGC, CSWC, MAIN, PFFA, VICI, SCHD, DIVO, JEPI, JEPQ, CP, ATD, ENB, BAM, and other Canadian funds and stocks because I'm Canadian 🙂

[@wewhoareabouttodiesaluteyo9303]

ARCC pays more than its EPS. ENB has a bad balance sheet and pays more than its EPS. BAM pays more than its EPS. Other than that, your picks look good.

[@dominiquetheeasyminimalist]

@@wewhoareabouttodiesaluteyo9303😂 couldn’t care less about your opinion

[@robertmichelotti8990]

I see BIZD etf holds quite a number of the holdings in your portfolio. Any thoughts on this ETF?

[@asphaltandtacos]

I don’t invest in closed end funds because of the high management fees. I currently own a few dividend stocks. I am considering adding a BDC to my portfolio. A fund like BND might be of benefit despite having a lower yield than some other investments. Money market funds should fit nicely into any portfolio. They pay monthly distributions. A money market fund is a great way to build up short term cash reserves.

[@AmeliaNates]

The recent activity in the IPO market is quite notable

[@TamaraTamara0280]

Indeed, it's been quite active with numerous companies going public

[@ServerError-ub8fx]

How has she specifically contributed to your financial success?

[@AustineRalph]

DESIREE RUTH HOFFMAN ??She offers comprehensive expertise across various peddle segments and her predictions have been accurate for the last 5 years

[@TamaraTamara0280]

Her amenity sound promising. I've encountered mislaying recently and could benefit from her executive guidance to navigate through these opposition

[@AmeliaNates]

You could easily goggle search her name she we’ll know in the industry, I did that myself.

[@peterfischer7084]

Depending on the jurisdiction you live in, ETNs can be quite appealing because they pay interest, not dividends, and therefore, there is no US- withholding tax.

[@Andreavince-v]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@CharlesT.Foster]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@LindaL.Fielder]

Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@briankelley-n9c]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@LindaL.Fielder]

'Stacy Lynn Staples' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@Saviourtina-c4i]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Nemo-yn1sp]

Excellent. Thank you.

[@billhaskins38]

Hands down the best content on KZbin. I am truly grateful to you my friend!!!

[@michaeljones6413]

Can you do a video on ETF if someone is retiring with 500k to 1M of assets?

[@rodrain2]

Have you thought about diversifying into alternative income assets like CTA, YBTC, SVOL, or even YGLD. Just wanted your thoughts on these types of investments

[@sabinemeier2]

I'm glad I got into crypto when I did because it’s been a turning point for me financially, been my best decision so far.

[@travisobrien09]

Inspiring! Do you think you can give me some advice on how to invest in a healthy way as you are doing?

[@KingBaldwin715]

Bitcoin has been falling for a while now and could fall further or close to rise again. The truth is that no one knows, I believe it's the right time to buy and also get a pro's assistant

[@travisobrien09]

thnks, i just message her now and she is directing me on how to start trading.

[@chev6901]

Near the end of the video, you mentioned you'll never have anything too risky like equity-linked notes. A look at profile of JEPI and JEPQ, both using ELN, so is it a good idea to hold them in a retirement portfolio? Thank you.

[@CharlesLiamh1p]

"Retirement isn’t an end goal, but a journey best secured by careful and consistent investments."

[@CharlotteNoah3]

Well said! Retirement is the reward of disciplined investing over the long term, not just a destination.

[@GraziaMacahilas]

Well said! My adviser guided me through retirement planning, ensuring my investments were strategically positioned for long-term rewards.

[@HenryLucask5l]

That's a great point! Finding a reliable financial adviser would be essential for me to ensure my retirement plans are well-structured.

[@GraziaMacahilas]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@HenryLucask5l]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

[@chev6901]

In the BDC section, you didn't mention GAIN. In one of your videos, you mentioned MAIN as your 2nd favorite and if I remembered correctly, GAIN was the first. GAIN has very impressive 1, 3, 5, 10 years and Life total return, much better than MAIN, (in fact, even better than SCHD, VTI, JEPI some of the big names) both have long track record of stable dividend, dividend growth, and paying special dividends quite generously. And with about same 6+% yield. Just wondering why GAIN wasn't included? Was that because GAIN is a smaller size company, thus perhaps less reliable?? Thank you. ( I really like the content in your channel as I'm about to enter my retirement years)

[@stoner306]

Hi, Lately I've seen people talking about what's better, paying off your mortgage, or investing. Why can't you do both? Set up an account and put $200 a month in it. Then use the dividends to pay down the mortgage. Even after you pay off the house you will still need to pay the escrow.

[@tonyherdina9142]

If your employer gives a certain percentage match to your 401k it's free money you'd be giving up if you didn't invest.

[@ChannelSyxx]

Thanks for the great info. Would you recommend BIZD for BCD investments and maybe AMLP as another high yield option?

[@דראילוןוולף-הכיווןהכלכלי]

Putnam pbdc

[@Delprete2]

Big fan. Nice video!

[@jjsc3334]

After long research, I will put 3/4 into CD, 1/4 into etf.

[@LiamThompson-cv9xy]

I am a dividend investor, and I have been for a long while, and I also own growth stocks too, a well rounded portfolio should be a mixture of both categories. One way to minimize the trepidation of stock market investing is to make sure you keep a large cash cushion. I invest in the market. But I don't put all my funds in the market.

[@HarperScott-pk6uk]

Dividend are awsome. Everyone has their method of investing. But I sometimes use my dividend to buy other dividend and growth stocks for diversification, rather than reinvesting in the same stock. What is important is that you're investing.

[@JacobWalker-jx3nf]

​@@HarperScott-pk6uk That is very correct, I totally agree. It is important to diversify investment.

[@jeffhollingworth1453]

Always appreciate your advice and insights

[@EntrepreneurInvestor]

High yield dividend investing paired with options trading (covered calls and cash secured puts) will help more people retire quickly.

[@mrsterling5306]

I appreciate you sharing your financial knowledge. 🙂

[@NormanGhali]

Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $800K in the stock market, experiencing fluctuations without substantial gains.

[@RichardMoore-jg5tl]

Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfOlio management

[@FusunTumsavas-cq7tp]

Opting for an investment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfOlio has surged by 45% since Q2.

[@DanielPanuzi]

Who is the coach that provides guidance for you? I urgently require assistance; my stock portfOlio is stagnating, and I need invest-ment advice for retirement.

[@FusunTumsavas-cq7tp]

I began working with a finan-cial advisr named Christine Ann Podgorny Her transparent approach grants me full ownership and control of my position, and her fees are remarkably reasonable, especially considering my ROI

[@DanielPanuzi]

I looked up her name up online and found her page. I emailed and made an appointment to talk with her. Thanks

[@Ramcas42]

What about PBDC? a BDC ETF. I love the bdc sector so I own 2 directly and have been building a position on PBDC to get exposure to the rest of the companies.

[@wewhoareabouttodiesaluteyo9303]

One of the highest expense ratios I have seen!

[@Robls501510]

What is the 2nd ticker symbol you said for the Equity Income Growth ETF? I keep hearing BIG, which is Big Lots. Thanks.

[@MrSummitville]

VIG - Vanguard

[@user00165]

prefered are more expensive than common and when last time anyone use them as planned insurance?

[@peoriaos6627]

Great video. I have close to 80 different div positions. It IS difficult keeping track of them. The idea is that hopefully they will remain diversified enough that pain from one won't damage my whole portfolio. I carefully try to maintain x amount of cash for spending and stock shopping. Crossing my fingers. I've been burnt a couple times.

[@wewhoareabouttodiesaluteyo9303]

As long as you have enough to keep the expenses at bay, you are doing fine.

[@zaq55]

Maybe some Master Limited Partnerships

[@mikelobb8849]

What about PIMCO Income Fund? Would you recommend that fund for a person who is just retiring now? Thanks!

[@mtoporovsky]

What im realy dont get is why ppl consider to take risk of etf with dvd.yeld less then level of inflation?

[@Riggsnic_co]

We experienced the peak of our era, and now it is gone. Recession is tanking everything including 401K. My retirement equities portfolio of $750K is in the reds. I keep losing because of inflation. This world will fall to the corrupt rulers in the same way that Rome did. I'm sorry if you're thinking about retiring and you're worried that your pension won't be enough to meet the rising cost of living. Horrible foreign policies everywhere, bad regulatory policy, bad fiscal policy, and bad energy policy.

[@martingiavarini]

For retirees and those close to retirement, I believe it's particularly challenging. All those years of labor only to lose it all to a problem you weren't responsible for, my regrets to everyone retiring during this time.

[@bob.weaver72]

I'm very worried about the future and where we're all heading, especially in terms of money and how to get by. I'm considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

[@TheJackCain-84]

After the pandemic, things became extremely difficult, which is precisely when I sought a consultant's counsel. I've been investing on my own for nearly 3 years and have built up a stagnant reserve of $280K to $570K in just over 24 months.

[@Will.iam6693]

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@bob.weaver72]

'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@thecollectiverisk]

Just a small fry here but I’ll be happy with 50k…nearing the 10k milestone and rounding out my 2nd year seriously dividend investing…im hoping to each it by year 10…I just want enough dividends where I have enough to reinvest for x amount of shares and then withdraw the remainder allowing me to slowly withdraw more and more for the next 20 years or so until retirement kicks in and I can enjoy the added pension from the job

[@Colbycrab]

I would probably add in VYMI for some international exposure, PFLT in the bdc space and MLPX and BND to give me total diversification along with your excellent choices. PFFA seems interesting, I’ll have to take a closer look. MAIN, ARCC and O are no-brainers, along with SCHD (or something similar like VYM).

[@wewhoareabouttodiesaluteyo9303]

ARCC and O pay more than their EPS.

[@jeff41873]

I hold BND and SPHY as my bond diversification. I probably prefer SPHY over BND due to the higher yield and better performance but diversification is key

[@Colbycrab]

@@jeff41873 hey I am liking the looks of SCHY. Very nice yield and low expense ratio. Can’t complain about that!

[@claireNymans]

"Yo, love the breakdown in this video, but man, retirement still feels like a long shot for me. Got my emergency fund beefed up to a solid $66k-time to start investing, right? But where the heck do I start? I mean, what’s gonna give me those sweet dividends AND let me sleep at night? Someone give me a cheat code here, 'cause I’m not trying to YOLO my future away!"

[@mixaleenalovesglitter2543]

SCHD

[@AmeliaNates]

wonder where she gets her analysis from though, I read her resume and I’m very impressed with his work. Thanks for the references.

[@TamaraTamara0280]

you mean DESIREE RUTH HOFFMAN ??

[@okboomer6201]

I own Blue Owl 🦉😃

[@Tank1608]

Greetings from Italy, many ETFs you mention here in Europe aren't here but I found 2 similar ones USDV and FGQI do you know them? They are valid?

[@jimsack1]

It is fun to invest. I have other hobbies, but this brings drama, an emotional ride and challenge. It is fun.

[@bedangtv]

LONG PFFA, PFXF

[@formerlyknownashammerofthegods]

ABR, JEPI, JEPQ, SVOL, BXMT, MAIN and SPYI

[@wewhoareabouttodiesaluteyo9303]

ABR is questionable because of the liability on its balance sheet. The other picks are good ones; although, there are ETFs that yield higher than those you have picked.

[@formerlyknownashammerofthegods]

@@wewhoareabouttodiesaluteyo9303 ABR has another hatchet job done on them by some fake website.

[@FreakyLynx]

No mention of RYLD or QYLD?

[@Chantcg]

No bonds?

[@GhanYt]

For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs.

[@kagors4491]

I don't know one person with over $1 million in retirement and everyone I know is in their late 50s and 60s

[@davesites893]

Nice 👍

[@sreekreddy73]

I hold 40 plus positions in my portfolio. Find it difficult to keep track of total returns on each position as I keep buying on dips. Does anyone know a good tool for this

[@pete9990]

Stock events app Is what I use. 30$ a year. Worth every penny

[@Owen.Gilbane]

S&P 500 is Up and will do better in 2024, as indicators for profits continue to improve, making investors like me believe that “Santa has come early” to the markets. How to boost a $250k portfolio in order to achieve 7-figures would be appreciated at this point, I only have 5 years to meet my retirement goals

[@pete9990]

I have 45 holdings as of now and yes it is kind of overwhelming at times..but after a while..once you build them up. It is awesome. Having so many different dividends coming in all month every month is awesome. The way I do it is..I take 1/2 cash then use the other half tobuy whatever is going exdividend at that preticular time. So I'm adding to all my holdings at some point or another..always having cash on hand is nice.😊

[@pete9990]

I'm surprised you haven't mentioned MPLX in your videos...that's 1 of my biggest holdings.

[@wewhoareabouttodiesaluteyo9303]

Not even if you could cut down to like three that would allow you to do the same thing?

[@1lllllllll1]

Real people of YT, please report these annoying spam bot comments, it’s a cancer!

[@krakhour2]

like stag for reit

[@1dantown]

TSLY NVDY QQQY JEPY and other option-selling ETFs are a viable option. Also JEPI and TLTW. Just an idea. Due diligence as always....

[@wewhoareabouttodiesaluteyo9303]

All those defiance ETFs are going to be like ORC soon.

[@Apeiron242]

Your future is only/always later (down the road).

[@autobotdiva9268]

VYM for the win!

[@JP-iq7pu]

Indutrial REITs aren't bad either.

[@ty-l5w9b]

SCHD etf is the best dividend play. . 3.77% monthly. Expense ratio - 0.06. Look for it when the market is in correction. Goes below $67. You can retire on 2000 shares. Just go somewhere quiet and peaceful and enjoy nature....Portugal, Brazil. You don't need a million to retire. Talking to real everyday people here, not stock traders! Always pay attention to the EXPENSE RATIO guys! Some have 0.3 ratio----too high!

[@avertactivity964]

2000 Shares would be about $400 a month (before taxes)... you got the right idea, but you may want to have more shares...even if you are playing the geo-arbitrage move.

[@wewhoareabouttodiesaluteyo9303]

VYM FTW. It is more diversified than SCHD and during the pandemic we had seen what happened to SCHD. It went down so much that people think its recovery is growth.

[@neddiego2570]

SPYD is better

[@ty-l5w9b]

@@neddiego2570 SPYD has no growth. SCHD has better growth. I bought @ $67 last year, it's $77 this year, plus dividend. Some other dividend plays barely move! So it's just like putting money in the CD if the share price is not moving.

[@DekeRadio]

My Roth is 50/50 $SCHD and $O, with dividends reinvested. Your mileage may vary.

[@wewhoareabouttodiesaluteyo9303]

O pays more than its EPS. The only reason SCHD is doing well is because of the dip during the pandemic, it will settle soon.

[@neddiego2570]

​@@wewhoareabouttodiesaluteyo9303eps useless for payout for REITs. Use ACCO. You no nothing about REITs.

[@imabeliever85]

PFFA has a surprisingly high expense ratio. At the present time , what about a Schwab or Vanguard money fund?

[@zacworld2061]

Yeah that expense ratio kind of turned me off too. I'm looking for alternatives, might consider VRP.

[@wewhoareabouttodiesaluteyo9303]

VYM FTW.

[@wewhoareabouttodiesaluteyo9303]

Expense ratio is deducted from the yield. You will always get 10% yield no matter what.

[@zacworld2061]

@wewhoareabouttodiesaluteyo9303 I guess i'm not understanding the math. So 10% yield minus expense ratio still equals 10% yield?

[@wewhoareabouttodiesaluteyo9303]

@@zacworld2061 Yield is after expense ratio has been taken out. x- expense ratio = yield

[@John-sb6uk]

I have to say thank you for the effort you make to educate. Just off your youtube videos alone, I was up 30%% last week and will be closing this week up 70%...............I appreciate you 🙏

[@Miller66520]

Wow, is really nice to see others trading with susan moore I still thank her for the level _headed financial advice. I started forex and crypto investment with $4,300 and since following her for few weeks now, I've gotten $30,700 in my portfolio.

[@slkttop]

30% in one week? do tell…

[@glennshoemake4200]

You must have bought AVGO too.

[@jackwilson8051]

The average American does not have $1 million in financial investments.

[@MrSummitville]

Average retiree has only $250,00 in 401k

[@Fezziwig-financial]

Why is the last word of every sentence drawn out weirdly, sounds funky

[@RetireandGo]

I like UTG , ET, PICK as well

[@wewhoareabouttodiesaluteyo9303]

ET is an LP, if people do not want K1s. PICK pays a semiannual dividend, not consistent enough. UTG is an INT, very risky if it delists.

[@neddiego2570]

​@@wewhoareabouttodiesaluteyo9303if you don't have braincells to understand k1 just keep your mouth shut

[@sabahhicham]

Stocks extended their year-to-date rally following the CPI report, with the S&P 500 last up 0.8% in afternoon trading. but I don't know if stocks will quickly rebound, continue to pull back or move sideways for a few weeks, or if conditions will rapidly deteriorate.I am under pressure to grow my reserve of $250k.

[@garyallen5574]

Nah

[@davemallinson4204]

Seeking guidance from an investment adviser is highly recommended for navigating the current financial /Investment market landscape, especially for those nearing retirement. I've been consistently consulting with an adviser and I've miraculously transformed a modest $70k investment into a staggering $950k and the numbers continue to climb.

[@eriklong6152]

That's captivating! I'm really intrigued. How might I reach out to your financial consultant?

[@davemallinson4204]

Sharon Sue Parker, an esteemed financial consultant, has been a beacon of guidance for me. Her name might ring a bell from a recent Newsweek feature. She's a leading luminary in the financial market, definitely worth exploring further!

[@eriklong6152]

It appears she has a wealth of knowledge and has extensively studied. Upon searching her name, I found her web-site. Thank you for sharing.

[@TheSmartLawyer]

❤bdcs and reits

[@lucasasselmeier7825]

My wife says I’m a nerd 😭

[@blackfiree91]

Why would you tell people they need an allocation to REITs? There are plenty of portfolios that outperform and don’t own REITs. 50% CDs and 50% BTC outperformed REITs at 11% over the last 12 months. Back test it. See that your REITs get decimated by 50/50 cash/bitcoin. Lolol. Lame …REITs he says. Bahahhaa

[@TheAzmountaineer]

Yeah, like Bitcoin isn't volatile as hell. Not a good retirement/income position.

[@blackfiree91]

@ sir. The dollar is volatile. They are printing billions of them. Bitcoin in a 1 year chart is up 140%. Bitcoin on a 5 year chart is up 700%. You’re saying you missed out on 100% annual gains because “its volatile.” ….bruh

[@jikert4815]

I like these plans because consuming your portfolio over time leaves nothing at the end for your kids or anyone else. That's the problem with my grandma and such is that there is no generational wealth of any kind. It's better to be able to pass on something vs hoping to die before you consume your entire retirement account

[@Nearly40s]

Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.

[@echoeversky]

JPow in no way is lowering rates anytime soon. 5% inflation and fed funds rate? What's not to like(for him)? Until it really becomes unsustainable. And the market is for some reason pricing in 4 reductions through 2024. Ooof.

[@jeddesselle2611]

👍💰💰

[@ty-l5w9b]

Remember Expense Ratio!!!

[@sonja8942]

I love this and have 57 different positions and no preferred as the value jumps around too much as these are thinly traded and my experience was not a good one in preferreds. Moving on

[@christineshannon7902]

😊

[@Defender0fDead]

If I had half a mill I'd have a 10% yield and be fine..

[@fernandoborges8472]

Please Accept The invitation of @dividend talk podcast...