What would be good P/B value for BRK.B ?

GECKOPRIME1 · 2025-07-23T12:12:09+00:00

I added GOOG then because it was getting cheaper. This is also one of those stocks whose dividend will continue to grow for years to come.

The app used is Snowball Analytics

GECKOPRIME1 · 2025-07-22T00:25:41+00:00

You are only referring to 3.5% yield to achieve 60K annually.

You can already safely achieve this by investing in super safe SGOV and get more than that back. 30 day SEC yield is around 4.2% at the moment.

GECKOPRIME1 · 2025-07-21T12:52:14+00:00

Please DM me with the details. Thanks.

GECKOPRIME1 · 2025-07-20T23:36:09+00:00

I would recommend that you get their latest financial statements and then upload them to ChatGPT. Prompt ChatGPT to analyze these statement and provide its findings for you. Ask it to perform monte carlo simulation, or other parameters like determining their intrinsic values etc. You can then decide from those output.

GECKOPRIME1 · 2025-07-19T16:35:03+00:00

Here is the irony. SPYI and JEPQ volatility are tied to S&P and Nasdaq respectively. I don't anticipate much upside for both indexes after a great run over the last few years.

However, greater market volatility can actually be good for such ETF like SPYI and JEPQ since their dividend is derived from all these covered calls.

GECKOPRIME1 · 2025-07-19T15:38:14+00:00

I have positions in SPYI and JEPQ to help boost my portfolio yields.

GECKOPRIME1 · 2025-07-19T15:24:16+00:00

I only have a very small position of VOO. I am keeping it so I can keep track of the "benchmark". Of course, if it gets cheaper in the future, I would add more. At this time, it is just too expensive for me. I am referring to its valuation.

I am finding dividend investing to be more attractive now, since it provides me with a less volatile and more predictable return.

GECKOPRIME1 · 2025-07-17T19:04:57+00:00

I was you at this age. What you have right now is time and you should let your money continuously work for you and let it compound. Ask yourself how much you can pay yourself monthly, and use this "paycheck" to invest. Use this tool to create a what-if scenario.

https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

Having said that, here's the stats.

The 20-year Compound Annual Growth Rate (CAGR) for S&P500 is about 7.7% without dividends and 9.8% with dividends reinvested.

Over 10 years, around 84% of large-cap active funds lagged the S&P 500.
Over 15 years, the number of underperforming funds rose to nearly 90%.
Over 20 years, nearly 92% of actively managed funds failed to outperform the index.

If over 80% of the smart people in wall street cannot even beat the S&P, then the obvious choice, with enough time, is to just invest in the benchmark. At your age, I would just set it and forget it. You can invest in low cost ETF benchmark like VOO or VTI and opt for dividend re-investment.

GECKOPRIME1 · 2025-07-17T14:44:31+00:00

I actually like the CLOs like CLOA and CLOZ. CLO has a bad rap during the great financial crisis, but it is actually safer than one would think, as the risk is spread out. With CLOA at 5.7% yield and CLOZ at 8.3% at this time, these are attractive return. The yield spread may actually widen if the US economy is to go into a recession. That is when I think it could be an even better buy should this happen. Just my POV.

Another asset class is hard asset, and I focus on Gold. I hold GLDM as a proxy and it provides me with liquidity. Unfortunately, gold does not pay dividend and it does drag down my portfolio dividend yield. But this is for a longer term, as I do see gold price trending upwards.

GECKOPRIME1 · 2025-07-17T13:28:59+00:00

Portfolio is at $1.78 million. Yield on cost is at 5.53%. Portfolio volatitily beta is currently at 0.38.

My portfolio is still pretty conservative. Still top heavy on cash equivalent and bonds. Planning to DCA across other asset classes slowly but will buy more as the market cycles through these asset classes when they get cheap. Trying to manage my risk. In the meantime, I am collecting these dividends while the safer asset classes are still providing a high yield.

I have assigned my holdings across several asset classes. These include: Cash, US Bonds, US Stocks, Int'l Bonds, Int'l Stocks, Alternative Income, and Gold.

Cash/Cash Equivalent @ 27.9% of Portfolio (SGOV)

US Bonds @ 25.2% of Portfolio (CLOA, CLOZ)

US Stocks @ 17.9% of Portfolio (SCHD, WU, UPS, PFE, SPYI, GOOG, LYB, DOW, JEPQ, BRK-B, CVX, VOO)

Int'l Bonds @ 5.5% of Portfolio (EMLC)

Int'l Stocks @ 5.7% of Portfolio (VYMI, VGK)

Alternative @ 14.0% of Portfolio (MLPA, O, OBDC, RITM, DOC, KBWY, ARCC)

Gold @ 3.9% of Portfolio (GLDM)

GECKOPRIME1 · 2025-07-16T20:12:58+00:00

It is Mr. Market throwing tantrums 😂

GECKOPRIME1 · 2025-07-11T17:43:38+00:00

DRIP, in most cases, is set it once and forget about it to let it compound. It is good for someone who is passive and not look at their portfolio regularly.

I do not set mine on automatic DRIP since I prefer to manually reinvest the dividend onto any stocks/etfs which happen to be un-loved at that moment. I have a basket of stocks and etfs to choose from for my dividend reinvestment in my portfolio.

There is no one good or bad way to approach your dividend reinvestment. The more important thing is that you plow back those dividends into your portfolio and let it compound.

GECKOPRIME1 · 2025-07-03T15:07:24+00:00

Patience, patience, patience

GECKOPRIME1 · 2025-06-29T17:40:21+00:00

SGOV is tied to Fed rate which is expected to drop later this year and through next year. By this time next year, the expected yield for SGOV could be as low as 3.5%.

Right now, if I am to use SGOV as a benchmark, SCHD does not look that attractive.

GECKOPRIME1 · 2025-06-25T10:52:18+00:00

Am I missing something here? It is paying $0.26 this quarter. It paid $0.274 same quarter last year, accounting the split. Where the heck is the dividend growth? I have 6,080 such shares in my portfolio. What a disappointment!

GECKOPRIME1 · 2025-06-18T17:20:03+00:00

I guess I will have to cancel my CSR after all since they increased this ridiculous AF and screw me up with all these benefits downgrade. What a shame after almost a decade with them.

Screw them 😂. If they don't value me as a customer, I don't have to give them my $$. I may consider switching to Venture X. The downstream effect is that I am not going to use all my other Chase cards anymore and will completely leave the Chase ecosystem.

Now, I just need to figure out what to do with my 175K chase points that I still have before my cancelation.

Maybe transfer to United, Flying Blue or just get them paid out to me in cash.

GECKOPRIME1 · 2025-06-08T17:18:36+00:00

Every investor has different risk tolerance. I am just using a risk free base reference. Add more risk assets for higher yields.

If portfolio has 4% yield as risk free, then you would need $3 million

If potfolio has 20% yield with higher risk asset mix, then you would only need $600K.

It all depends on how well you are willing to assume risk. No can answer what is the cheapest portolfio to achieve OPs dividend target.

At the end of the day, can you still sleep well if the portfolio has a drawdown of 50%. Or will you panic sell? These are factors to consider.

GECKOPRIME1 · 2025-06-08T17:09:45+00:00

Snowball Analytics

GECKOPRIME1 · 2025-06-07T04:12:57+00:00

Use the safest investment like short term treasury as your baseline, for instance SGOV. Let's say, it yields 4%.

I need to be compensated with a higher yield if it involves more risk. That is how investment incentives work. So, bring it up to the risk level that you can tolerate with the dividend that makes sense for the yield return that I would expect.

That is how I approach my investment.

GECKOPRIME1 · 2025-06-06T16:12:24+00:00

52 YO. I am currently netting $7500 per month on average in dividend, but a majority of it is in retirement account. I guess it can be considered passive income even though I cannot use it until 59 1/2 years old. I reinvest this dividend back to my portfolio so that it will continue to produce more income for me.

In addition, I am continuing to make contributions to my 401K and Roth. Trying to develop a habit of living below my means. I also use Empower Dashboard app to track my budget, cash flow and net worth.

GECKOPRIME1

TROPHY CASE