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I like ETF's for their dividends and coverage. Some of the following have limitation on growth, but if you are looking for income the following all have advantages and disadvantages. The following are ranked in descending order for resistance to NAV erosion.
SCHD - Mostly qualified dividends, quarterly dividend payments, yield around 3.3%. ETF of the top 100 dividend paying stocks.
JEPQ - ETF, mostly taxed like ordinary income. Uses Equity Linked Notes and options to generate income. Higher yielding than SCHD and monthly payments.
JEPI - ETF. taxed as ordinary income. Option premium income through equity linked notes. Monthly Payments
SPYI - ETF, more tax efficient than JEPI/JEPQ as it is sometimes return of capital, capital gains, and then income. Hasn't been around as long as the other for longer term results. Has monthly payments, currently yielding around 12%
As you can guess, the yield goes up as potential exposure to NAV erosion and risk goes up.
All advice is worth what you paid for it. I recommend your own research before any investments.
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mostly brokerage just in case i need to access the money on a liquidity basis
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Agreed. Historically, a top 10 class has an average rating over 90 and generally at least 91-92.
Player ratings will go up a bit as the Recruiting websites generally up everyone ratings in their senior year. But I do agree that Franklin and VT will need to reel in some of the higher rated targets to stay in the top 10, and maybe even drop the lower rated recruits for some higher rated recruits as the roster maxes out. (I'm not suggesting that VT does that, just that if the goal is VT to be top 10, the lower rated recruits will need to have their rating elevated or be replaced with a higher rated recruit. And notably, OL recruits are rated lower on average than "skill" position recruits. If VT takes a 3-star OL recruit over a 4-star WR, I'm good with that.)
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Are you looking for something in a brokerage account, traditional IRA, or Roth IRA? Are you looking for income, or DRIP compounding reinvestment avoiding NAV erosion?
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I want our team to win. My point was unfortunately unless things change WBB is actually a net loss. That doesn't mean you stop playing.
Here's the actual website he used to build a TIPS Ladder (no paywall on this one) https://www.tipsladder.com/
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Bond/CD ladders are a popular strategy when you are passed the high growth phase of financial planning. Typically in the 5ish years before retirement you want to start skewing your profile to have at least a portion be low risk and cash flow generation to avoid relying on the sale of stocks (that could go down) to pay for day to day life. If you have enough of a nest egg, you can pay for your life with very low risk options through CDs/Bonds/Dividends. Objective is to avoid needing to sell at a huge loss to buy food.
