My Top DIVIDEND Investing Goals For 2025 (& BIG PPC Ian Channel Update)

[@ppcian]

IMPORTANT ANNOUNCEMENTS: Thanks for watching! Please don't forget to "like" and "subscribe". Please share your favorite yield-on-cost stock in the comments section! BLOSSOM SOCIAL (JOIN ME TODAY, IT'S FREE): I'm on Blossom Social, a social media platform for dividend investors co-founded by KZbinr Brandon Beavis: blossomsocialapp.page.link/PPCIan (Disclosure: This is my affiliate link, and I'm compensated for Blossom Social sign-ups.) RYNE WILLIAMS: I met up with my long-time subscriber and friend, Ryne Williams, in Las Vegas. Ryne has an AMAZING KZbin Channel. Make sure to subscribe: www.youtube.com/@rynewilliams HELPFUL RESOURCES: I went really big on Altria (MO) last December, and I'm up 40% unrealized capital appreciation with 10% simple dividend yield-on-cost: kzbin.info/www/bejne/hZ7RYYV4jpykoqMsi=wQWQSFqXy_Z0vRiq Here's a video about my favorite Treasury Bond (the 20 Year Bond): kzbin.info/www/bejne/m3iocoiJh8-rorssi=8DfWoeyjDJ8PoXjN Here's a video bout my favorite dividend ETF, SCHD: kzbin.info/www/bejne/mqK0pJluecxql5Isi=mRr1UgQ0KUgpUs3Y CHECK OUT MY PATREON: I'm sharing exclusive bonus content over on Patreon! I offer two tiers: Backyard Patreon and Corner Patreon. My Backyard Patrons see my stock trades, each accompanied by a blog post write-up. They also have access to 50 historical Patreon-exclusive videos. In addition to all Backyard Patron perks, my Corner Patrons also have access to my complete dividend stock portfolio (% allocation to each position) AND my complete bond portfolio (% allocation to each position). They additionally enjoy exclusive portfolio update videos, Corner Patreon virtual meet-ups, and more. Head on over to Patreon to join today: www.patreon.com/ppcian PPC IAN INSTAGRAM: I'm sharing some great content over on Instagram. Check out my Instagram stories and reels. I'm @ianlopuch: instagram.com/ianlopuch/ PPC IAN EMAIL LIST: Join my email list today for helpful updates, and a look at some of my historical dividend stock portfolios: www.ppcian.com/my-complete-dividend-stock-portfolio/ PPC IAN X (Formerly Twitter): I'm sharing fun updates on X. Here's my dividend investing X (I'm @ianlopuch): twitter.com/ianlopuch COOL DIVIDEND INVESTING MERCH: I offer some really amazing dividend investing merch: teeshirts, hoodies, mugs, and more! The designs are super stylish and on-point for the dividend stock investing community. Each purchase supports my KZbin channel: teespring.com/stores/ppcian Thanks so much, everyone, for your support. I hope you enjoy the video today! (Disclosure and Disclaimer: I'm long SCHD, MO, and Treasury Bonds. Please see video description for all disclosures and disclaimers.)

[@Ben-gx4eb]

Ian. Thank you for your inspiration and knowledge as well as the example you have set for the community. If you can’t post on a regular schedule, oh well. You do what you have to do for your own happiness (God, family, self, then us). Your true fans will follow you regardless. Best of luck to you brother!

[@ppcian]

Thank you for your incredibly kind words! I’ll definitely still post, just a little less frequently! God Bless and best of luck to you too!!!

[@ppcian]

Thank you for your incredibly kind words! I’ll definitely still post, just a little less frequently! God Bless and best of luck to you too!!!

[@Kzvuyp]

+1 to Ben’s comment. I been here since the backyard days and we learned the basics with you and those principles are the same for those who recently discovered this channel. Its ok if you’re here once a quarter. More meetups sound great to me!

[@evadeanu1]

I bought today 40 shares of SCHD. Good video.

[@ppcian]

Right on! Thanks for sharing! (Disc: I'm long SCHD)

[@billyjohnson9166]

Hi Ian I appreciate it. my #1 position is SCHD. By far I feel good about it #2 is VYM . I also have individual stock positions.

[@ppcian]

Thanks for sharing, my friend!!! Wishing you all the greatest!!! (Disc: I’m long SCHD)

[@Ben-gx4eb]

@billyjohnson9166 Here I thought I was weird for having SCHD/VYM as my #1/#2 positions. I like both for different reasons. Best of luck to you brother.

[@EuropeanDGI]

As always, thanks for sharing your journey Ian, it always inspires me 🙏

[@ppcian]

Thank you for your very kind words, my friend! Thank you for all of your great content and inspiration/motivation too!!! Always enjoy your podcast, and what an honor to be a guest several times!!!

[@warrenbuffett5966]

Thanks for your efforts. Even the content will be less frequently, I will enjoy it. Greetings from Germany.

[@ppcian]

Thanks for your kind words, my friend! Wishing you all the greatest!

[@malcolmbirkett1347]

Wow 10% yield 😊 that's great work. Love to see those dividends drop in.

[@XxW4FFL3MAnxX]

Liked before the video started !! 🐐

[@ppcian]

Truly appreciate your very kind support!!!

[@michaelswami]

Great video Ian, Altria the highest return stock of all time.

[@ppcian]

Thanks, my friend! Thanks for being here all these years. I always appreciate your comments. Altria has truly created so much value for shareholders!!! (Disc: I'm long MO)

[@michaelswami]

Let me add regarding the US government, I’m 30 trillion in debt, please loan me money for 10 years.

[@PIIforever]

I just started buying SCHD last week and plan on buying weekly with my high yield dividends (YMAX, YMAG, etc.). I’m also buying PFE, PEP, SHEL and V.

[@jamiedavis567]

Don’t forget MSTY!

[@richardbudzic6289]

Thank you for your videos. My advice on running is to keep it short distances but more intensive. Long distance running produces thin body with very little muscle that looks like someone that just left the concentration camp. Short distance, more intensive running results in more perfect body with the right amount of muscles and healthy appearance. Proof of this can be seen by comparing marathon runners to short distance runners during olympics.

[@rynewilliams]

You inspire ME my friend! Next time we get together, we’ll have to get a run in or something. Glad to hear you’re getting back into it! Great video all around Ian, it was nice to have a little State of the Union with you 👏

[@ppcian]

Thanks for your very kind words, my friend! Yes, a run would be awesome!!! Look forward to catching up again! Wishing you an amazing day!

[@stevec.7017]

Always excited to see a PPCIAN video pop up.

[@ppcian]

Your kind words mean the world! Thank you!

[@bryanlegarretta3404]

Thank you Ian for your videos and knowledge over the years! You’re impacting so many people and helping change financial lives! I agree with the market being overvalued, however the monthly dividend company (O) is at $55! I believe at a 5.5% yield!

[@ppcian]

Thank you for your incredibly kind words! That means the world. And, thank you for pointing out O. Under $55, I hope to add personally. I still want it to be a larger position. Wishing you a great Holiday Season! (Disc: I’m long O)

[@petrock1985]

VTI all day, bought MO around $40 as well

[@ppcian]

Thanks for sharing!

[@reptilianskin]

Great video. I also own SCHD and DGRO in my retirement account. I like them both very much. It saves me a lot of time researching and staying on top of several companies. I also own Canadian Dividend ETFs. Cumulatively ETFs now makes up about a third of my portfolio. It’s been a great decision. I could be just as happy making them 50%+.

[@ppcian]

Thank you for sharing! And, thank you for your longtime support! I could see ETFs eventually reaching 30% in my portfolio. It will take (many) years, but it’s definitely the direction I’m heading. Wishing you all the greatest! (Disc: I’m long SCHD)

[@alexmac2010]

Subscribed. I feel the pain with work and family life whilst trying to keep up with investing. And I’m not even making videos like you so hats off 🙌

[@ppcian]

Thank you for subscribing! Thank you for your very kind words!

[@ecucloud6738]

Thanks Ian for sharing the journey since 2017. A follower from EU (NL)

[@ppcian]

Thanks for your longtime support, my friend!

[@nunofontes3895]

Hey Ian, great video as usual. Also bought Altria at 40$, yoc is ~10%. Also I want tech exposure, but I'll exclude hardware makers, those tend to fade away on the longterm. I preffer the service oriented ones.

[@ppcian]

Thanks for sharing!!! Great stuff! And, good insights on tech. Wishing you all the greatest. (Disc: I’m long MO)

[@Dramyxx]

Great video per usual Ian! I've been buying schd and dgro weekly! I have kept my eye on divo though!

[@stockjock1222]

I bought more $MO around the same time you picked up another tranche. I got my cost down to $44 and I'm sitting on larger unrealized gains in $MO than I ever imagined! Loved it for the yield and now I've got the capital gains too. I'm hoping to leave my job by the end of 2025, and take time off the course correct on my life. My portfolio should sustain me until I find a way i can add value while pursuing a more meaningful career. I also want to improve my relationships and strengthen my discipline in 2025.

[@rawmean8989]

I’ve been buying GRNY for tech/growth exposure, thanks for another great insightful video!

[@ppcian]

Thank you for sharing! Thank you for your kind words!

[@RJones-Indy]

Great information Ian and thank you for the updates. Fully understand your time constraints. Do what's best for you and your family. You have been very generous with your time already and I thank you. I am now living partially off divs (just turned 60 and semi-retired). Dividends rule baby!

[@ppcian]

Thanks for your very kind words! And, congrats on that retirement! Yes, dividends rule!!!

[@SC2Kay]

Hey it's me Kevin! Happy Holidays Ian!

[@ppcian]

Hi Kevin! Happy Holidays, my friend!

[@Norfolkpaul]

Always nice video 😊🇬🇧

[@ppcian]

Thank you for your longtime support!!!

[@ppcian]

Thank you for your longtime support!!!

[@williebrown1974]

I hate tech so much. Tomorrow I'm buying some JEPQ very begrudgingly. Another great video!!

[@brucesmith9144]

“Greed is good.” Who can forget that quote? But, boring can be better. I am taking a similar approach and have been making the most of short term cash in a Treasury MMF. Over the past couple years, it has generated cash for future purchases even exceeding dividend yields, albeit without valuation gain. I agree, this market is way overbought and the exuberance to just throw money at overpriced assets thinking they’ll go higher, as warning bells are going off with some businesses showing sales weakness (ie: Target, Foot Locker) is not a good play IMHO. That may end in disappointment.

[@brandonfiest6368]

Been in crypto since 2018. My strategy is Crypto gains 1st, rolled into dividend stocks 2nd. And real crypto, not sketchy exchange crypto.

[@PIIforever]

I just hit 20 shares of SCHD, I just started buying. My goal is to buy weekly if not daily.

[@brucemckee9893]

Great video Ian. I like boring better than worrying.

[@ppcian]

Thanks, Bruce, for your kind words and longtime support! I like that! Yes, boring is so much better than worrying! Wishing you and yours a great Holiday Season!

[@evadeanu1]

Me too

[@patrickac2924]

Hi Ian, understand that you need to wind down with videos as you have a lot going on but I just wanted to say how thankful am I to have found your channel. Without finding your channel I dont think I would have got my passion for investing, I always enjoy listening to you and have gained a lot of wisdom from you. All the best Ian and I do hope we see you over next year, if you are ever in London hit me up for a Starbucks! All the best, Patrick

[@ppcian]

Thank you, Patrick, for your incredibly kind words!!! I’ll still be posting, just with a little less frequency. That Starbucks in London sounds amazing!!! Wishing you a great Holiday Season. (Disc: I’m long SBUX)

[@vincentv975]

Thank you Ian for all these years of informative videos... i stumbled upon your channel during the covid lockdown and have been an avid watcher ever since. whether bull or bear markets, you always had a great POV and i sincerely appreciate you! time to travel!!

[@ppcian]

Thank you, my friend, for your longtime support!!! I always appreciate your comments! And, enjoy following your travels on social media. I’ll still be here, just going to post a little less frequently. Have a great day!

[@loakland2773]

Great video Ian. I’ll follow you wherever you go. Really enjoy your channel and your thoughts. I love the questions you bring forth. Love Idaho. Went to college in Twin Falls. Enjoy the beauty and your nature and fitness activities. Be well.

[@ppcian]

Your kind words and support mean the world!!! Thank you, my friend. Definitely enjoying Idaho!!! Wishing you a great Holiday Season!

[@etfeasy]

Look into XDTE and QDTE also BIL ETF XDTE have good total returns

[@LassePetersen-e2c]

I love the personal goal of collecting new Starbucks Mugs! I visited the US last summer, and brought home 4 SBUX mugs from NYC, SF, Grand Canyon and Las Vegas. Awesome goal that I can relate to! :D

[@ppcian]

I love this!!! So much fun, indeed! Thanks for sharing and wishing you all the greatest!!! (Disc: I’m long SBUX)

[@robertclarkson6064]

Hi Ian! I remember way back when, when you were making videos in the middle of the night. I'm happy you are focusing more on life. I've seen a lot if burnout, including me, in my life. I did two 100 milers last year, and you're absolutely correct in how much time training takes. 2025 goals are getting three more states for my marathons, and the bug goal is getting my legs in shape for a 100 mile trail race (the others were paved). As to investing, i have to get a car so the funds will come down 😢. But thats life. I've invested for a long time so it wont hurt. I haven't hit Idaho yet on my marathon goal, but when I do, I'll let you know. Any cool marathons or ultras there? I do like timed races. Take it easy and see you in the next one.

[@ppcian]

Thanks for your longtime support, my friend! That really means a lot!!! Great work on those marathons and ultra marathons. Very impressive! Idaho had some beautiful scenery, so I hope you make it here. I’m not aware of any marathons, but will keep an eye out for anything. Wishing you an incredible Holiday Season!!!

[@etfeasy]

I think SCHD is still active management positions. It’s holdings must do well also

[@ppcian]

It is not actively managed, but is meant to track Dow Jones US 100 Index. In buying SCHD, I’m trusting that the algorithm (the underlying index) is making wise selections. (Disc: I’m long SCHD)

[@nycste1982]

Sounds good buddy! Alwyss Down for a meal or coffee meetup in nyc !

[@ppcian]

That sounds amazing, my friend!!!

[@etfeasy]

XDTE pays weekly dividends with exposure to S&P 500 and best etf for total returns

[@ppcian]

Thanks for sharing!

[@2ndLastStarfighter]

Hey Ian, sad to see you have to slow down on the KZbin vids (been watching you since the Covid days), but happy to hear you ramping up the fitness level. What good is our dividends when we arent healthy enough to spend them?💪😅 Continued success in living the Thug Life! Cheers! (Thug from Vancouver, Canada)

[@ppcian]

Thanks for your very kind words and longtime support!!! I’ll still be here, just a little more time between videos. Thug Life, my friend!

[@Chungus6910]

Maybe KZbin shorts is an option to keep up with the Algo. If you're comfortable, you can share other parts of your life such as fitness, food, travel, etc. I, too, bought SCHD at the tippy top and will continue to buy alongside you. In 10 years my monthly dividend payments will overshadow the $100 loss this week

[@ppcian]

Great suggestion!!! Yes, I could see more shorts in the future! Wishing you all the greatest. (Disc: I’m long SCHD)

[@Defy_Convention]

BLV is my favorite bond fund, pays monthly with around 50% treasuries, the rest is debt from quality companies.

[@ppcian]

Thanks so much for sharing! Will check it out!

[@PedroPeter-u2c]

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. With Magnolia Angel, my portolio is doing really great and im proud of the decisions i made last year.

[@KestyUnion]

Magnolia has normalized winning trades for me and it's a huge milestone for me looking back to how it all started.

[@FredrickBlazen]

Magnolia's analyses go beyond surface-level trends. She delves into technical, fundamental, and sentiment analysis, providing a holistic view of the market

[@MelindaTracey]

I’m new at this, how can I reach her?

[@PedroPeter-u2c]

gram with her username

[@PedroPeter-u2c]

Fxmagnolia , that's it

[@jonnes__4657]

🗽 My brother was doing the Ironman Worldchampionship 2023... it was not in Hawaii, it was in Nice (France). .

[@evadeanu1]

I’m addicted to blossom. See you there.

[@ppcian]

That is great! It really is an awesome community. Please make sure to connect with me over there!!!

[@2B_or_not_2B]

Hey Ian, how do you buy bonds? Do you have any recommendations on how to approach buying bonds? Thanks!

[@Ry_The_Investor_Guy]

Hi Ian, have you considered covered call funds like JEPQ and QQQI for tech/income exposure? There is another KZbin channel called Armchair Income where you can find an excellent interview with QQQI's fund manager. Best of luck!

[@kg3436]

Ian wouldn't like the opaque equity linked notes used by JEPQ but QQQI is def worth looking at tho.

[@normanjohnson2548]

VGT is a great tech ETF. Out performs S&P 500 and QQQ

[@ppcian]

Thanks for sharing!

[@bigalshouse3033]

Shout out from TF ID

[@ppcian]

Thank you for shout-out! Please let me know if you’re ever in Boise area!

[@AnytimeIncome]

Hey Ian! Have you ever taken a look at SCHY? Same concept as SCHD but holds international and offers a higher starting yield.

[@ppcian]

Neat! Thanks for sharing and will take a look! (Disc: I’m long SCHD)

[@I_like_turtles_67]

Buying Altria and Ruger right now.

[@ppcian]

Thanks for sharing!!! (Disc: I’m long MO)

[@fisgrisen1585]

Spending too much time on high altitude has significant impact on cellular transformation. Look up pilots and cancercases and you find out why. Moderation is best path in anything.

[@moresugartradercc2744]

You should add qdvo instead of divo if you want tech works the same as divo but it pays better

[@ppcian]

Thanks for sharing! I will take a look. Thanks for being here all these years. Wishing you and yours a fabulous Holiday Season!

[@fvid88]

2025 year of new opportunities🎉 and job growth

[@ppcian]

Yes, indeed! It will be a great year ahead!

[@chrislindsay3104]

Hey Ian. 2 questions--do you have any investment portfolios that you allow outside firms manage? I have one of these because even though I've been investing for a long time (25+ years) they are more conservative than my dividend-heavy retirement income account. They make mistakes (like chasing Cathie Wood) but they keep small positions and are safely diversified. On a different note, if SCHD rebalances making some stock (like say CSCO) becoming its top weighted holding, would you then sell your personal CSCO position if you had one? All the best in 2025. I'm 66 but I was at my physical peak at 43 a year after beating cancer.

[@ppcian]

Hi Chris, great questions!!! First, thank you for your longtime support! I always appreciate your comments! In terms of your first question, I’ve definitely thought about it (and continue to do so). Something to keep in mind… From a retirement account perspective, I do have a few conservative mutual funds (blended with stocks and bonds), and they have performed great. They may employ a different strategy than me, and I value that. In terms of SCHD, I value the portfolio changing over time to attempt to track the Dow Jones Dividend 100 Index. I’m very much a buy and hold forever investor. So, I generally don’t sell unless needed for some major reason. Because of this contrast in strategy, I value SCHD for doing what I do not. Wishing you an amazing Holiday Season! (Disc: I’m long SCHD)

[@andrewmikov8085]

What do you think about fepi. The dividend is huge. However, fepi seems a bit too good to be true.

[@ppcian]

Unfamiliar with it, but will add to the list. Thanks for sharing!

[@investingwitha-aron8055]

Great video Ian. It has been a big boom in tech and do think market is over extended. I do think AI will be huge in the next decade, so I am investing accordingly. I lost quite a bit in Voyager, but got most of it hack thankfully. Did you keep any of your investments in crypto? I am out of shape and just now getting back to running. You and me both. Take care !!!

[@ppcian]

Thanks for the kind words and for watching all these years! Yes, indeed, lots going on with AI. I do still believe in the future of crypto. (I just focus on dividends these days on my KZbin channel.) Wishing you all the greatest with your running! Wishing you an amazing Holiday Season!!!

[@AsDfler12]

You'll be missed on KZbin but it's good to set priorities. You're an inspiration for fellow boring investors (I mean boring in a endearing way as i am a boring investor as well).

[@ppcian]

Boring is the best!!! Thank you for your incredibly kind words. I'll still be here, just a little less frequently. Probably still post a video about every 10-14 days, which would be a more manageable schedule on my end. Wishing you all the greatest!

[@Noxirio]

i mean... when market overall is overvalued... then whats the reason to buy ETF? with etf you buy a lot of companies that mean maybe 90% of that ETF is overvalued... why not double down on JUST the undervalued dividend stocks right now? i am really curious.... many companies are pretty down now... for me personally i am buying vici and O is even better deal but i dont buy that one and many more... if you believe pfizer can turn it around then there you have literally company at rock bottom...

[@LiveFreeInvesting]

Have you taken into account close end funds for tech: USA, BST. You get the yield and tech exposure.

[@Choppus13]

You've diversified with bonds. You want tech exposer, why not diversify with sins SCHG? I think it has a higher yield than SPY.

[@caseydresselhouse2456]

Would you consider pepsi at 3.4% yield and JNJ at 3.3% yield a discount. I loaded up today...core subscriber right here! You got me involved in dividend investing back in 2017 I believe it was and NEVER LOOKED BACK. THANK YOU IAN!

[@ppcian]

Yes, I do personally-speaking think both are at reasonable prices. The challenge I face is both are VERY overweight in my portfolio. In an era where I'm trying to diversify a bit (and have some concerns about how MAHA may affect these companies), I have not been adding to them. But, they are are on radar and are both key stocks for me. Wishing you all the greatest! (Disc: I'm long PEP and JNJ)

[@MartinD9999]

0:20 AKA: Trump market will SUCK for investors. Good. America earned it.

[@bont1059]

Too bad csco is a sucky tech company. If want tech exposure then simplicity says buy a position directly. Wait for 2026 or 2027? Umm yea whatever by then you will have other ideas. Love the channel.

[@ppcian]

Thanks for your feedback. For me, I tend to agree CSCO would not be my 1st choice as an individual stock. However, SCHD is algorithmically-driven and the algo has not yet let investors down. So, I’m giving it a chance. I’m at the point where there are things I have to accomplish first, but I’ll eventually be able to add a few direct positions in tech. It’s a matter of limited capital and prioritization. (Disc: I’m long SCHD)

[@etfeasy]

I do not like SCHD much at all I prefer XDTE SCHD will keep changing and pays every 3 months and within 3 months anything can happen

[@ppcian]

Thanks for sharing. Yes, indeed, the holdings change. I trust in the algorithm to find value I otherwise would not see/buy. But, yes, it has an element of turnover. Wishing you all the greatest! (Disc: I’m long SCHD)

[@etfeasy]

@@ppcianlook into XDTE for weekly income

[@kevinmendoza4402]

Ian! Would you consider adding a tax efficient municipal bond fund to your bond strategy? $VTEB $HYMB ? Thank you Ian! 🚀📈💎🙌📊💰

[@ppcian]

Definitely something I need to look into again. Thank you for sharing!

[@SuperInsuranceman]

Personally, with all the debts that all these Western countries are accumulating, I have liquidated all my bonds for a while. When I see the circus yesterday in France where the Chamber of Deputies dismissed the entire government and where it will be in an institutional mess without stability because while without clear majority in the chamber for at least until 2026 and where Germany is also in full political and economic mess, it is not the time to entrust your money to any Western government, high rates or not. I much prefer to invest in companies that trade internationally, pay a good dividend and have very little debt behind them.

[@ppcian]

Incredibly valid and important point! Thanks for sharing!

[@ronpizur2627]

Ian, You said that you plan to hold your U.S. Treasuries to maturity. Aren't you concerned about losing purchasing power on your principal? I know that the rates are above the current inflation rate so you do cover inflation and that is great. But in X years when you get your princial back, that large investment hasn't been adusted for inflation and is worth less to you.

[@ppcian]

Valid point! For me, it’s more a function of capital preservation for that part of the portfolio. (Disc: I’m long Treasuries)

[@etfeasy]

SCHD is ok but it can also get overvalued because many people know about it and it’s holdings must outperform indexes such as XDTE

[@jamesflick9850]

Too bad you are missing out on VUG. Up 41% in the last year.

[@ppcian]

Thanks for sharing, will take a look!

[@PIIforever]

I’m 51 and I wouldn’t touch Bonds with your money, what a waste in my opinion. I prefer high yield ETFs.

[@jameshoak1060]

Ian! Why are you going for the Jeffrey Dahmer look…. 🤦‍♂️

[@ppcian]

I was actually going for the Brawny look, since I’m long PG. (Disc: I’m long $PG)

[@Ben-g3s1t]

SCHD is great if you like investing in ETFs that lower the share price just to pay you back your own money while underperforming the S&P at the same time.

[@ppcian]

1) Over the long-term, SCHD has been doing just fine compared to S&P. See calculator on their website. 2) My risk tolerance is unique to me. S&P will likely have higher drawdown in a correction. 3) I need predictable cash flow to pay bills now. I cannot rely on selling shares because that doesn’t work well in down markets. Just my personal situation, and all are unique. (Disc: I’m long SCHD)

[@MiYouDipplo]

Blossom is not avaiable in Germany, you need to do something about that Ian. 😢

[@KenjiEspresso]

Me 2 🎉 Let’s keep the good vibes going knock on 🪵 😂

[@ppcian]

Thanks for being 1st comment! Thanks for all of your support over the years. Wishing you all the greatest. Good vibes are key. We got this!

[@etfeasy]

Look into XDTE and QDTE also BIL ETF XDTE have good total returns

[@jamiedavis567]

And QQQI and SPYI!