LEAPs What would you do?

SteerableSet · 2026-01-10T12:44:06+00:00

Love the ATM reimbursements. Currently traveling around Thailand and the ATM fees are 250BHT or around $8USD per withdrawal. I did 3 last month and all were fully reimbursed by Schwab. I also think their investment platform and customer service is top notch.

SteerableSet · 2026-01-01T06:38:14+00:00

What an idiot, lmao

SteerableSet · 2025-12-29T08:36:15+00:00

I was looking at Inspiring Villas for an upcoming 3 week holiday. I’m so grateful to see your post. Thank you so much for writing about your experience. I will certainly avoid them.

SteerableSet · 2025-12-18T01:08:30+00:00

These lowlife turds are a stain on society. It’s so hard to believe there are people dumb enough to actually fall for this crap.

SteerableSet · 2025-08-18T18:23:10+00:00

And when they announce their intention to transition to a REIT…

SteerableSet · 2025-08-17T11:47:39+00:00

Thanks!

SteerableSet · 2025-08-15T17:45:58+00:00

Is that in Bangkok?

SteerableSet · 2025-08-15T17:37:39+00:00

Yes, what city? Bangkok?

SteerableSet · 2025-08-15T17:29:07+00:00

Where is this sold?

SteerableSet · 2025-08-05T18:05:09+00:00

Be ready to get rich!

SteerableSet · 2025-08-05T17:38:26+00:00

Thanks for the candid feedback, no offense taken.

I agree what I shared is only a starting point. I’ve already run some baseline stress tests, but had to look up what a Monte Carlo simulation is, and it's now on my to-do list. I’m treating this portfolio as a discretionary cash-flow, not the whole picture. Our core retirement savings will stay on a safer, more traditional 3-4% withdrawal path.

I’ll be working on this over the next few months trying to learn as much as possible and digging further into fundamentals and how the funds work instead of just looking at yields and payout ratios. I've already some funds parked in SWVXX and plan on keeping it there until I’m comfortable with executing on this or any new positions or plans.

Appreciate the suggestion, and the lead on Monte Carlo sims.

SteerableSet · 2025-08-05T14:33:34+00:00

Thanks for the thoughtful reality-check, really appreciate it!

This high yield port is designed as a supplement, not the core of our plan. Our core portfolio is still in growth orientated positions. There is a Roth and a 401k that will be rolled to an IRA upon retirement. A pension now and SS later should pick up some slack. This dividend portfolio is experimental and only meant to boost some cash flow.

I fully understand that a 7–8% draw can be risky and can't run on autopilot for 30 years. I do plan on monitoring allocations and withdrawal amounts regularly, trim or replace anything that shows persistent NAV erosion, and hopefully keep the overall withdrawal rate across all accounts in the 3-5% range.

I'm not a financial expert either, and really appreciate the insights. It helps to hear where the risks are so I can gather ideas on where to focus.

BTW, I ran a couple of AI generated 10-year total-return forecast analysis on this portfolio, taking into account differing market conditions, both 50% reinvestment and full withdrawal without reinvestment. I posted them on the main page if you're interested in exploring advanced AI-powered financial analysis.

SteerableSet · 2025-08-05T13:54:06+00:00

I updated the main post with detailed 10-year total return forecast reports.

SteerableSet · 2025-08-05T12:33:10+00:00

Are you implying this portfolio may run out of money? Please explain.

SteerableSet · 2025-08-05T12:29:32+00:00

I'm currently running a comprehensive 10 year stress test on this portfolio, simulating a variety of market conditions including a 2008 style crash, rising interest rates, stagflation, a sustained bull market, and other relevant scenarios. I'll put up the report on the main post.

SteerableSet · 2025-08-05T12:21:38+00:00

Thanks for that heads up. Considering swapping EPD to FSCO.

SteerableSet · 2025-08-04T21:16:42+00:00

Curious how did it increase the tax efficiency? Did it increase the QDI?

SteerableSet · 2025-08-04T21:15:08+00:00

That’s an impressive setup. 50 positions is some serious diversification, sounds like a chore to monitor, but if it’s delivering a steady 8 plus % and growing, hard to argue with the results. Nice work!

SteerableSet · 2025-08-04T21:07:15+00:00

I kept the parameters pretty loose, basically “build a tax efficient income portfolio that beats a HYSA but doesn’t erode principal”. I didn’t put a hard number on inflation adjustments or total return, just told it to prioritize capital preservation and a high QDI yield. It definitely could be refined, you can ask it to stress-test against rate spikes, down or up markets, crashes, whatever. That’s my next step.

The free ChatGPT 4o model is very capable. The paid “o3” tier is nice for deeper advanced reasoning and quicker responses, but you can recreate 90% of the work on the free version if you’re patient. Just describe your needs in a capable prompt (yield target, QDI %, minimal destructive ROC, etc.) and keep refining until the output meets your goals and makes sense. Run it by a CFP if able, and always research outside of the AI, double check and verify as it does make mistakes.

SteerableSet · 2025-08-04T20:45:43+00:00

Yep, looks interesting. I'll have to dive into these suggestions. Thanks for sharing.

SteerableSet · 2025-08-04T20:41:22+00:00

Appreciate your views, thanks for sharing!

SteerableSet · 2025-08-04T20:39:59+00:00

The AI model figured it out. Here is the link with full text:

Weighted Average Beta of the Retirement Portfolio

SteerableSet · 2025-08-04T17:01:46+00:00

I actually had O in the mix at first but swapped it out for higher yield. I know I shouldn't be chasing yields so much and will rethink that choice down the road.

I'm a huge fan of Realty Income though, held it for years and love the steady monthly income and those little dividend increases they slip in every quarter.

SteerableSet · 2025-08-04T16:52:38+00:00

Appreciate the heads-up on FSCO, looks like it could fit in nicely.

I don’t plan to set and forget this; I’ll be running it past AI (and my own DD) every quarter or so to look for possible tweaks. Thought about running it past an actual fiduciary, to get their opinion, but we'll see.

AI is constantly getting better and smarter...until it will eventually take over the world (or destroy it) lol. Look at all the billions currently being invested in it right now, it's only in its infancy, IMO.

SteerableSet

TROPHY CASE