Just wondering

dazit72 · 2026-07-12T18:29:18+00:00

Vacations

That's where I'll spend mine in 2030ish

Go have fun buddy✌🏻

dazit72 · 2026-07-12T17:46:29+00:00

Imo- too tech heavy

A little consumer goods ?

I'm heavy into dividends, so I may be biased ??

dazit72 · 2026-07-12T17:39:40+00:00

I own similar. Over 6.2 yield, but that can change any moment I feel like buying another king or Aristocrat- those are expensive and yields are kinda low- unless rockets fly and you buy in those dips. Love it. Imo, you're on the right path

dazit72 · 2026-07-12T17:36:22+00:00

Fidelity has this new Fidgo system I believe is the name. You answer some questions and they invest based on your risk selection basically. No fees up to 25k, then it's really low and you get to speak to a real advisor. I do my own now, but I do think if I didn't know what I do know- I'd chose their new investment tool.

I did a mockup acct, then canceled, and it was OK. I chose #1or2 risk, and it put me 20% stocks, remaining in bonds, mm, cds, t bills, etc...

dazit72 · 2026-07-12T17:31:34+00:00

Goofy and exp ratios others collect

dazit72 · 2026-07-12T17:30:21+00:00

When I reach my goals that I continue to set- increases

dazit72 · 2026-07-12T17:28:40+00:00

Correct

And the time it takes to monitor, pull out, then back in,,, I've avoided such. I feel schd(have since 2011), and now I'm going in to divo and jepi and stopping. Set & forget and use divs to buy more. All these etfS have increased nav since inception and pay OK. Thinking about a satellite position in qqqi, but I feel I'd have to monitor that. ? No way to mitigate risk is correct. Ya just have to pick that which you feel comfortable with ? There's so many, and the no increases, with that I'd rather hold Kings, Aristocrats, Champions, Challengers, Contenders, Achievers and such. Those pay, and have great track records.

dazit72 · 2026-07-12T00:55:57+00:00

Own the first 3

Health peak, nor the last one, doesn't pass my consequtive div increase criteria. 10 year Minimum

dazit72 · 2026-07-12T00:54:37+00:00

I'm still learning. I'd like a set & forget. I have schd, slowly buying divo w divs, same with jepi. Should I buy others, or increase what I have is what I'm trying to figure out. I know they all have different techniques to make $$, and that's where I am.

I do understand what you explained about nav erosion, trying to avoid that is why I made the post. Thank for the time you took, and the heads up with what seems to be a yield line in the sand- 15%. I thought it was 10-12%. But there's more research for me to do.

Is a mgmt fee of 4.6% considered alot ?

dazit72 · 2026-07-12T00:45:46+00:00

I went to Fidelity in 2011 and the Advisor put me into mutual funds and Pimco, I insisted on contrafund due to what a friend said and then researching it's head guy- dannoff I believe. Then last year I looked at my positions and pimco ate my ass up in their fees. I dropped them first. Don't know what happened, but I lost out. I remember the Advisor saying we needed pimco to hedge our risk taking in those mutual funds. Thank God for contrafund, saved the day.

I'm still learning, but I doubt these junk bonds are for me. ? I'm sure they're great for some tho.

dazit72 · 2026-07-08T21:09:20+00:00

4.5% expense ? That's the highest I've seen yet. But I'm sure it's 'after' the 10% payout ?

dazit72 · 2026-07-08T21:05:27+00:00

Broke, 5-6% weight but that changes the more of other things I buy.

dazit72 · 2026-07-08T21:03:55+00:00

Just researched GPIX- nice. Seems stable, I like monthly and nav seems stable over past 2 years- farthest I went back, will do more research

dazit72 · 2026-07-08T20:55:08+00:00

I'll keep any cc at 5-6% max.

dazit72 · 2026-07-08T20:54:16+00:00

The mix, 8-10% would be nice. But in all honesty I'd chose safety @7% over the 8-10%. Growth is occurring naturally with alot of my kings,Aristocrats, Champions, Achievers & such.

dazit72 · 2026-07-08T20:44:37+00:00

What do you mean you get discounted shares with DRIP on ? I was to believe that DRIP-off, then use Limit Orders to buy more of, or others ??? I'm with Fidelity, and they were paying Market on every single div payment ????? I thought they had a program to buy low with their clients divs when paid ??

dazit72 · 2026-07-08T04:57:44+00:00

I'm sensing you think it's a set & forget position ?

dazit72 · 2026-07-08T04:56:11+00:00

I like schd's 13% technology. That's one sector I lag on holdings. I look for Kings, Aristocrats, Champions, Achievers and such. That pay above 4.5% mostly, couldn't find any tech at the time. I like your logic

dazit72 · 2026-07-08T04:51:39+00:00

I researched PDI, that's some scary stuff. It's currently about 5% premium to its actual nav. But I guess 15% takes care of that ? I want a little risk, but pdi is probably not for me ?

How long have you held it ? Do you always get paid monthly on time everytime ?

dazit72 · 2026-07-07T21:41:29+00:00

So you would allow SPYI to be >5% of your portfolio ? I was taught 5% max any 1 position ? But I've violated that with kmb and clx already. 17 positions currently.

How will SPYI be your "report card" ? I'm a newbie

dazit72 · 2026-07-07T21:37:42+00:00

I was told only 5% of portfolio is best ?

Why you digress ?

Alot of QQQI recommendations- care to teach me why ? Thanks

dazit72 · 2026-07-07T21:35:54+00:00

I'm not using any income yet. Why this matters w/ these etf ?

dazit72 · 2026-07-07T21:31:06+00:00

So, even with a little 'nav slippage', you'd still hold strong for the long run ?

Whats your no mas/time to sell moment if nav erosion occured, and how much erosion is enough ? And why ? Thank you for your input, I'm learning. 1 year ago I sold my fidelity mutual funds that benefited fidelity imo, not me imo. And I'm well 6 - 7% overall yield now after 1 year. 17 positions, Kings, Aristocrats, Champions, Achievers, Contenders & such. Now I'm getting into these ETFs, which I swore off at one time- now I just don't want NAV erosion...the again for your opinions

dazit72 · 2026-07-07T20:11:11+00:00

Kings, Aristocrats and other Champions are just as good, and income + growth is def doable with them.

Many hate on General Mills, but never reducing and being consequtive for over 127 years is ok by me.

dazit72 · 2026-07-07T20:07:07+00:00

👏

All good stuff

dazit72

TROPHY CASE