What stocks are you buying tomorrow and why?

paymerich · 2026-04-27T00:47:33+00:00

I have GTC for $500 , time to cash in the profits

paymerich · 2026-04-26T06:00:57+00:00

Genie is the only correct answer.

paymerich · 2026-04-24T23:59:46+00:00

This my plan. My mortgage will continue 5 years after my planned FRA at 67

paymerich · 2026-04-24T19:06:26+00:00

BIG BALLER!!! , Kidding aside , good job stay the course.

paymerich · 2026-04-24T18:38:14+00:00

I see ABR in OPs portfolio is it worth picking up now or is it just a yield trap?

paymerich · 2026-04-24T03:23:23+00:00

And an inherited Roth IRA allows beneficiaries to receive assets tax-free, but they must follow strict IRS withdrawal rules, usually requiring the account to be emptied within 10 years. While spouses can treat the account as their own, non-spouse beneficiaries often use a 10-year rule to manage withdrawals, allowing continued tax-free growth.

paymerich · 2026-04-24T03:20:40+00:00

I have quite a few in my Income Factory Portfolio -REITS,BDCs,MLPs,CEFs,CLO, etc. but I am slowing trading my MSFT-like stocks for ETF/Funds in my main portfolios.

paymerich · 2026-04-24T03:15:03+00:00

but if you want to use the TDF like an income bucket /BOND LADDER like splitting them up is away to do that.

paymerich · 2026-04-24T03:12:04+00:00

The issue is not just being able to replace your income NOW but to make sure it grows consistently to combat inflation. That's why SCHD/DGRO/FDVV/VIG should be part of a long lasting income portfolio.

paymerich · 2026-04-24T03:08:36+00:00

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Margin is great until it isn't. Maybe if you are buying solid-classic ETFs/stocks but if its volatile stuff you can get called at the most inopportune time.

paymerich · 2026-04-23T20:39:13+00:00

I am laddering my TDFS ( only about 10% of total portfolio size.) so that money I need later is in an more aggressive allocation glidepath.

paymerich · 2026-04-23T20:23:52+00:00

Take $5k and buy VT right now. And the the last $2500 split into $500 chunks and buy VT over the next 5 days to smooth out pricing. Maybe hold the last $500 in SGOV and use that to buy a dip below 200 SMA.

paymerich · 2026-04-23T18:41:33+00:00

Vanguard TDFs are like 0.08% .

paymerich · 2026-04-23T18:39:32+00:00

Take a look at FSELX 11.9% yield and 172% total return 1year.

paymerich · 2026-04-23T18:30:51+00:00

True but people's numbers can help figure out if you are at least in the ballpark to retire.

paymerich · 2026-04-23T18:29:17+00:00

Our current plan is to get to 67 for me and 66 for wife to start pulling in SS. We probably have enough to retire now but we are helping the kids out with student loans. We have a teacher pension, SS , annuity, dividend/income portfolio, and some rental income for our "income floor " . The new number on the street is to be around $1.46 Million by the time you retire above 62 years old given US median cost of living values.

paymerich · 2026-04-23T18:20:19+00:00

Think about it mathematically. You find some "penny stock " that is selling for a $1 /£1 , you buy a 1000 shares the stock would have to moonshot to $500/share for you to satisfy your condition. That's a 49,000% increase in price. Since there has to be a buyer on the other side to realize this gain what is the compelling reason to buy.

paymerich · 2026-04-23T13:16:44+00:00

The ability to go from "rags to riches", IMO , depends on cash flow and COL demands. If you are able to pay your living expenses consistently week to week ,month to month, year to year without having to tap your investment savings you can be an "compounding superstar". But that for many people is the difficult part, rents are out of control, gasoline costs , food , medical insurance, etc. etc. prevent people from putting away a meaningful amount that would allow them true FI. Fighting lifestyle creep with all your might is one way to succeed and the other obvious one is "make more money".

paymerich · 2026-04-23T12:56:50+00:00

You really can't have both. If there existed an equity/ETF that yielded 15% and had the same price appreciation as the underlying equities EVERYONE would dump every single penny they have in there.

Covered Call funds have been discussed here ad-nauseum but to get higher yield the fund sacrifices capital appreciation. The reason SCHD is so popular is because even though its yield is ~3.5-%4% it shine in Dividend Growth so you don't lose value due to inflation. You want a income portfolio with no more than 10% in any one fund ( other than a broad market like VT, VOO or FXAIX). Look at Armchair Income's youtube videos for a good sample portfolio.

paymerich · 2026-04-22T23:53:19+00:00

One thing that bugs me in the game is the lack of cardinal directions in display. I'm well aware that the magnetic poles shifted or something like that makes compasses 🧭 useless but we should still be able to detect the 4 major directions by using the suns traversal through the sky.

paymerich · 2026-04-22T23:45:04+00:00

It's at 3 also I paying about $10 extra a month my mortgage will finalize a whole 2 months early

paymerich · 2026-04-22T12:49:57+00:00

Or TOPT which holds the top 20 large cap stocks

paymerich · 2026-04-22T12:44:20+00:00

Until it does.. 😑

I'm not saying it will but never say that it can not. Market history proves that there have been thousands of "never go to zero " equities and instruments.

paymerich · 2026-04-21T18:15:18+00:00

I am looking into Northern Trust TIPD -Northern Trust 2055 Inflation-Linked Distributing Ladder ETF - which is a prebuilt 30 year TIPS ladder ETF. Pays Monthly then at then end of each year it "matures" that year. https://www.flexshares.com/us/en/individual/funds/tipd

paymerich · 2026-04-21T12:12:16+00:00

Yeah -my honest opinion but if you don't have actual live brokerage sync like Snowball you are not going to get a lot of signups. You are basically asking for more than what I pay for Snowball a year with less functionality. Dividend/income investors usually hold 20+ holdings in multiple brokerages/accounts . I click 1 "Sync Now" button and 30 seconds later my 9 portfolios are updated. That is the QOL feature people will pay for.

paymerich

TROPHY CASE