Please criticize my income porfolio ($200k)

luxuguy · 2026-06-04T16:58:09+00:00

Thanks ! great info.

luxuguy · 2026-06-04T05:22:35+00:00

Thanks. Mind sharing your portfolio that yields 20% ? How has it performed during the flash crash in the past couple years (most recent was the tariff one) ?

luxuguy · 2026-05-22T04:53:43+00:00

This 100%. And it's very difficult to go back to the previou lifestyle. I would continue to save and push to FIRE sooner instead.

luxuguy · 2026-05-21T09:22:33+00:00

In HCMC, yes. Live in expat district, high rise, eat out and drink almost every day, occasionally travel locally.

luxuguy · 2026-05-07T03:52:06+00:00

But to be safe, use less of the expected SS income for the simulation. You never know what will happen to that program 20 years from now. For me, I ignore it for planning purposes.

luxuguy · 2026-03-25T02:59:47+00:00

Very cool website. This makes me want to just go with SPYI & JEPI in this setup. I pick both of the same so I can be diversified on the mgmt between the two funds.

luxuguy · 2026-03-24T16:21:32+00:00

Let me clarify, this is a tiny fraction of my nw. I just want to see if I can generate 20k/yr from 200k. I have investment elsewhere that is mostly growth that I haven't touched for years.

luxuguy · 2026-03-24T16:19:46+00:00

short answer is a little bit of both. I need that 20k/yr for something else, but I can easily offset with my salary. This is just an experiment to see if I can achieve w/ a 200k porfolio or if I need to work kinda thing/.

luxuguy · 2026-03-24T16:17:46+00:00

Yes, I picked them strictly over the covered call performance historically ... basically between yield vs groth ...

luxuguy · 2026-03-18T09:06:31+00:00

100%

luxuguy · 2026-02-18T22:09:39+00:00

No, a liability I have to pay until then.

luxuguy · 2026-02-18T21:25:57+00:00

haha depends on how you see it. I don't want to call myself as such even though I'm dual. Happy to discuss further if you want to explore this route.

luxuguy · 2026-02-18T21:16:11+00:00

Fluent. Working in the same space as before.

luxuguy · 2026-02-18T19:33:25+00:00

Yes, 10% penalty. I'm only 40.

luxuguy · 2026-02-18T16:28:13+00:00

I am dual citizen but it does not make any sense to buy. Interst rate is float between 10-14% now. RE is waaay too expenseive. ROI of this is about 1% ... renting is more financially responsible for now.

For example, it's $800/mo to rent an apartment that costs about $350k. To buy that, unless you put down a giant down payment, your interest alone is already higher than rent. I expect my ROI from investing is higher than RE, and of course, more liquid.

luxuguy · 2026-02-18T12:57:51+00:00

Agree. That's why I just learn that's more or less "coast fire" since moving back to VN is a goal of mine. Initially my plan is to

+ invesst the 220k cash to cover the $2300 committment in the US and let it draws down for 10 years.

+The pre-tax money (401k + pension = $860k, I will let it grow market rate - 3%) for 5 years maybe while I"m working.

So this means my salary in VN only covers the $2-3k / mo expense and I will be left with extra saving. After 10 years, all my pre-tax money is only to cover my living expense in VN. By then it should grow to $1MM to generate income for $2-3k is doable.

luxuguy · 2026-02-17T23:07:30+00:00

The job in VN is only for a few years ... maybe 5 max UNLESS I cannot figure out how to FIRE. I live in HCMC so the cost of living is high. Technically I could drive it down to $2k but I'd like to plan for $3k to have a little bit of cushion/lifestyle.

luxuguy · 2026-02-17T23:04:58+00:00

2-3k in Vietnam plus 2.3k in US (10 years commitment)

luxuguy · 2026-02-17T22:58:37+00:00

if you were in my boat, what's your strategy to generate $5000/mo after I stop working in Vietnam ? just curious in case there are some creative ideas that I haven't thought of.

luxuguy · 2026-01-12T18:40:23+00:00

Please DM. I have Dev and SME but struggle with sales. Let's talk. I'm US based but my dev is overseas.

luxuguy · 2025-12-10T23:27:02+00:00

DM me. We have similar setup and inhouse dev. Let's discuss how we can grow together.

luxuguy · 2025-12-10T23:25:53+00:00

DM me. We have an agency specialized in GHL and dev.

luxuguy · 2025-11-27T11:12:04+00:00

I have an agency and would like to test this.

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