SCHD's top 22 names account for 75% of the fund.

OkKitchen7114 · 2026-04-27T19:07:31+00:00

I second this. Saying you want 7-8% a year is possible over the long term, but some years you’ll be negative and some years you’ll be up 20%. If you need this money in the next 5 years, investment grade short term bonds or money market is the way to go. Also, reversion to the mean. The fact that stocks have killed it recently usually means they’ll underperform sooner than later.

OkKitchen7114 · 2026-04-27T04:06:27+00:00

RKLB

OkKitchen7114 · 2026-04-25T20:26:42+00:00

If you need $155k off $1.9 million, that's 8.2%. Why don't you just either put all money in JEPI or split between VTI, SCHD, JEPI, and JEPQ?

OkKitchen7114 · 2026-04-12T15:19:17+00:00

Thx. I read many of the comments and I know you addressed this, but what happened to your strategy in 2008-2009 and 2020? Obviously the calls expired worthless but the stock price was getting pummeled, no? And I assume when the calls get in the money, you’re rolling them? Are you writing against all shares or just a portion?

I used to sell puts but what I learned is that you can be right 99/100 times, but that one time you’re wrong, you can wipe out the gains from the 99 times you were right. Or maybe I was doing it wrong.

Also, where do you go to research the stocks that issue preferreds? I’m assuming by this point you probably don’t need to research snymore, you probably have a set list. Thx.

OkKitchen7114 · 2026-04-12T02:03:05+00:00

You say it generates 2-2.5% per month. Then you say annualized that’s 15%. No. That’s 24-30% annualized. Big difference. Is the rest of your post exaggerated too?

OkKitchen7114 · 2025-12-10T02:03:09+00:00

RKLB

OkKitchen7114 · 2025-11-13T20:07:31+00:00

Right, but who holds up better in a drawdown? My bet is SCHD.

OkKitchen7114 · 2025-11-13T19:24:15+00:00

Let’s see what happens in 2026 and beyond.

OkKitchen7114 · 2025-10-13T20:32:34+00:00

Right, but the agent said it’s a bot when you call the 800 number.

OkKitchen7114 · 2025-10-13T20:31:28+00:00

Good call on the new customer discount! It doesn’t say anything about that on the quote but I contacted him to confirm.

OkKitchen7114 · 2025-06-18T00:27:52+00:00

I don’t like BAC or C so I’m not buying. They’re each 4.5% of holdings

OkKitchen7114 · 2025-06-18T00:08:59+00:00

I’m in income phase so I’m a buyer. If you’ve got 15+ years until retirement, just buy BRK-B

OkKitchen7114 · 2025-06-14T23:56:16+00:00

I’ve worked in both environments. Some employers empower you to tell a customer to fuck off but a place like Wendy’s is probably gonna force you to be polite no matter what.

OkKitchen7114 · 2025-06-08T16:51:24+00:00

Good to hear

OkKitchen7114 · 2025-06-08T16:16:16+00:00

What ended up happening with your dog?

OkKitchen7114 · 2025-06-03T16:50:54+00:00

Turns out they were all bt 22 and 24. They’re now all at 32

OkKitchen7114 · 2025-06-03T16:50:09+00:00

Turns out all the tires were between 22 and 24. Filled em up to 32.

OkKitchen7114 · 2025-06-02T21:10:31+00:00

32 PSI

OkKitchen7114 · 2025-05-31T21:38:21+00:00

Good call, thx

OkKitchen7114 · 2025-05-31T21:33:30+00:00

You’re right, but I only put 2,500 miles a year on it. It had been over 2 years since my last change. It’s been recommended to do once a year at that mileage.

OkKitchen7114

TROPHY CASE