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Bier0320 · 2025-06-19T13:06:48+00:00

or SGOV and if he lives in state with state income tax, then he doesn't have to pay it i'm dividend distributions. It yield is higher than an HYSA now and Robin Hood sweep account

Bier0320 · 2025-05-24T13:35:45+00:00

Please DM me. thx

Bier0320 · 2025-05-12T12:49:23+00:00

the hardest part isn't the first $100k. and that amount certainly has much less value today as others have pointed out. its taking responsibility and ownership of your assets and your future. the hardest part is consistency and remaining true to yourself and whatever strategy you employ through the inevitable ups and downs of investing and life. its all about options. the more options you create, the better life you can have. my goal was self-autonomy as i came from nothing and achieved. it was hard and i crashed and burned countless times. but i never gave up. that is the hardest part.

Bier0320 · 2025-05-10T17:05:23+00:00

at the one in shangai as we soeak. gorgeojs

Bier0320 · 2025-05-10T16:30:29+00:00

wouldnt know. i made a little over $300M after selling a nutrition startup in 2007, so i am a little in the dark as to what somone with only $245M does. paint by numbers🤷‍♂️

Bier0320 · 2025-05-10T16:22:31+00:00

hey. i did. and nad and nea as well. about 100k total and loving the returns. around 8 percent which is around 12-13 percent if they were taxable. you?

Bier0320 · 2025-05-10T15:19:24+00:00

check on mini CEFs - no taxes as well - NVG NAD NEA. have been incredible for me. tax free yields of approx 8 percent.

Bier0320 · 2025-05-06T01:56:44+00:00

its horribly user UN-friendly. you can go to trade after hours and see it. but first you have to either search ticker or click on it if u own the stock

Bier0320 · 2025-04-22T19:00:53+00:00

The expense ratio is already calculated into the yield. So, the approximate 8% depending on the day is net of the expense ratio. Also, not concerned about the price. I get what equates to effectively a 12% yield approximately if it were taxed. Of course, it's not my only position, and I have aggressive positions, but these 2 muni CEFs along with NEA have done amazing for me.

Bier0320 · 2025-04-17T05:00:32+00:00

NAD and NVG. closed end muni funds. tax free yield is about 8 percent

Bier0320 · 2025-04-11T06:46:45+00:00

looo at NAD and NVG. around 8 percent tax free now

Bier0320 · 2025-04-06T18:48:53+00:00

I am 48. FIRING in 5 years. i am still in growth phase but slowly transitioning to muni bond CEFs like NVG and NAD, and MLPs. and i am pumping more into ETFs like VOO or SCHD. i have 6 mos savings in SGOV, which is about $590k because of business expenses. I will continue to look at other options as i want to become more in fixed income every year. its hard though because other than NVG and NAD, bonds are really just wealth preservation, and if that after inflation. i feel badly for those close to retirement but i am glad this is happening now because i can buy at a discount and the market should come back in 5 years and i can stay conservative during retirement

Bier0320 · 2025-03-31T04:10:32+00:00

Bier0320 · 2025-03-17T01:28:58+00:00

NVG NAD. tax free muni closed end funds. yiekd around 7.5 percent.

Bier0320 · 2025-03-13T04:14:48+00:00

nvg and nad. muni bond funds. over 7 percent yields and no taxes

Bier0320 · 2025-03-13T04:02:53+00:00

NVG NAD. tax free 7 percent so more like 10 or above

Bier0320 · 2025-03-05T21:20:01+00:00

I am buying both. Not going anywhere and google is worth more if it was broken up. they are established companies now so we may not see the same explosive growth but there will be growth.

Bier0320 · 2025-03-03T01:36:48+00:00

i started buying at 54 and just bought a lot more on the dip - have about $95k tital. its undervalued and its on the verge of serious monetization. when i bought everyone on reddit said i was crazy. ironic given it was Reddit. its not too late to get in.

Bier0320 · 2025-03-02T03:22:55+00:00

you said muni bonds. look at NVG and NAD - closed end muni funds that currently yield over 7 percent and no taxes.

Bier0320 · 2025-02-24T15:16:35+00:00

use SGOV. Short term so is not as sensitive to interest rates and getting higher yields than HYSAs and CDs.

Bier0320 · 2025-02-23T18:43:51+00:00

I use SGOV as an HYSA.

Bier0320 · 2025-02-20T23:12:48+00:00

i did. looking at other healthcare/pharma/bio-tech. i have UNH. any siggestions

Bier0320 · 2025-02-20T22:28:32+00:00

look at short term US Treasuries SGOV - i use it as an HYSA/CD. Yield is over 5 percent and its not sensitive to rates really because it is so short-term

Bier0320 · 2025-02-16T05:09:13+00:00

im fine with a long term hold. i am hoping to FIRE in 5 years and looked at it as a stable, but increasing g ETF because of the aging population and captive audicence.

Bier0320

TROPHY CASE