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re: Need advice on investments
Posted on 3/1/25 at 12:16 pm to faraway
Posted on 3/1/25 at 12:16 pm to faraway
I understand your thought on buying leaps as insurance, but that cuts into profits especially if the market dips the opposite way. Your leaps will expire worthless. Weekly calls limit upside/downside. Take the premiums and be happy
0
Posted on 3/3/25 at 5:30 pm to Nachomama
Few things.. as op said just get a high yield dividend index fund. And have the dividends spin off yield…and do not trouble yourself
Or if wanting to work it a little yourself
The finance etf jepq. op mentioned is an option for a little for diversity ..it will flag as a non conventional investment.
Just buy some dividends kings .. Xom.. Bti.. Mo.. chev.. Abbie.. etc…Google dividend kings.. nice thing about them is they will appreciate and thus build in an inflation aspect for the yield.. oil.. sin stocks..etc… 3-6 percent dividend may be some bargains out there soon.. I picked up a lot of oil and others when COVID hit )
Look at some reit. ( real estate and financial) Like efc o spg. They are required to spin off a percent of profit as dividends .. so can be higher above 6.. much higher depending on risk tolerance some are very established .
Shipping company stocks also have a nice dividend profile..
If wanting corp bonds there are decent yields still.. ladder them in .. yields are good so stay with aaa- or above … imo..
I have a mix of all above
Imo I would get a low management dividend specific fund and ride with it as you explore other ideas…
Or if wanting to work it a little yourself
The finance etf jepq. op mentioned is an option for a little for diversity ..it will flag as a non conventional investment.
Just buy some dividends kings .. Xom.. Bti.. Mo.. chev.. Abbie.. etc…Google dividend kings.. nice thing about them is they will appreciate and thus build in an inflation aspect for the yield.. oil.. sin stocks..etc… 3-6 percent dividend may be some bargains out there soon.. I picked up a lot of oil and others when COVID hit )
Look at some reit. ( real estate and financial) Like efc o spg. They are required to spin off a percent of profit as dividends .. so can be higher above 6.. much higher depending on risk tolerance some are very established .
Shipping company stocks also have a nice dividend profile..
If wanting corp bonds there are decent yields still.. ladder them in .. yields are good so stay with aaa- or above … imo..
I have a mix of all above
Imo I would get a low management dividend specific fund and ride with it as you explore other ideas…
This post was edited on 3/3/25 at 5:45 pm
Posted on 3/3/25 at 5:50 pm to Thecoz
Fwiw if that is an inherited Ira and you are second person to inherit ( ie dad left it to mom… mom leaving it to you).. it has to be distributed over ten years upon you getting it.. it may be worth your time to actually consider letting a finance professional manage it.with the intent of depleting it in the most tax efficient manner.. this topic is beyond me and involves tax loss harvesting and other clever things I am not knowledgeable on..
I have a small amount of inherited ira money going through that exact process also.. he is handling it to try to keep my taxable money the govt sees low.
I have a small amount of inherited ira money going through that exact process also.. he is handling it to try to keep my taxable money the govt sees low.
Posted on 3/3/25 at 5:52 pm to makersmark1
Not targeting this specific post but just to reconfirm dividend income is taxable so post tax has to hit 20k or so? So ideally like 30k dividend income
Posted on 3/3/25 at 5:59 pm to fareplay
True. And if second time its is transferred as inheritance is has to be depleted over a ten year time frame of the person inheriting .. regardless of age ? … do got to take out 50 k a year from the Ira and pay taxes on that and then reinvest it..
dividend tax rate probably more like 15 -20percent depending on individual
dividend tax rate probably more like 15 -20percent depending on individual
This post was edited on 3/3/25 at 6:02 pm
Posted on 3/3/25 at 6:27 pm to Thecoz
quote:
Fwiw if that is an inherited Ira and you are second person to inherit ( ie dad left it to mom… mom leaving it to you).. it has to be distributed over ten years upon you getting it
10yr withdrawal is for any non spouse. Doesnt matter if they ar first or subsequent inheritor. There are exceptions for minor child and spouse as well as "Those who are disabled, chronically ill, or within 10 years of age of the deceased individual may be exempt from this withdrawal guideline."
Posted on 3/3/25 at 6:49 pm to Thecoz
Long term capital gains and qualified dividends are taxed at zero percent until you hit the 22% tax bracket. So OP may pay zero on some or all of their withdrawals. (If held in taxable brokerage)
Of course, if its an inherited traditional IRA the entire withdrawal is taxed at regular income rate or not at all for Roth IRA.
The dividend approach is going to limit OP's tax flexibility if income increases and when they draw SS. Better in my opinion to invest in index funds w lower yield and only realize additional gains on withdrwals as you actually need them.
Of course, if its an inherited traditional IRA the entire withdrawal is taxed at regular income rate or not at all for Roth IRA.
The dividend approach is going to limit OP's tax flexibility if income increases and when they draw SS. Better in my opinion to invest in index funds w lower yield and only realize additional gains on withdrwals as you actually need them.
Posted on 3/4/25 at 9:15 am to Thecoz
quote:
Fwiw if that is an inherited Ira and you are second person to inherit ( ie dad left it to mom… mom leaving it to you).. it has to be distributed over ten years upon you getting it.
Not necessarily. I have one that does not.
I've got about $74K sitting in an inherited IRA with Fidelity right now. My grandma, to my mom, to me. But my grandma was taking RMDs, and it was before the law in 2020 or what. Anyways, they don't all have to.
This QQQ thing is interesting. Does anyone have a good link or video that break it down for a really simple for a new person.
Posted on 3/4/25 at 10:17 am to HoustonChick86
I'd also like to see a thread on this covered call tactic. I just started selling calls and made a few bucks.in this down market which is nice. But going all in seems like a risky strategy long term because if the call price hits, OP would lose their shares and have to buy in and reestablish at a higher price. Would like to learn more as Im sure Im missing something as an options newb but didnt want to derail this thread.
This post was edited on 3/4/25 at 10:24 am
Posted on 3/4/25 at 10:31 am to TorchtheFlyingTiger
"if the call price hits, OP would lose their shares and have to buy in and reestablish at a higher price."
I like the idea of selling covered calls but this is what is bothering me here; would like more guidance. The rest I am leaning towards putting in dividend stocks that pay 6-7% and/or in a REIT.
I like the idea of selling covered calls but this is what is bothering me here; would like more guidance. The rest I am leaning towards putting in dividend stocks that pay 6-7% and/or in a REIT.
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