[Stu from NYC]

Originally Posted by retiredguy123

Not a joke. But, yes, if I had all of my money invested in a small company growth stock fund like the one you mentioned, I would have made more money over the years. Actually, the New Horizons fund has a 10-year average annual total return of about 23 percent, compared to 17 percent for the S&P 500 index. But, it is not an apples to apples comparison to compare a high risk, 100 percent growth stock portfolio to a conservative, balanced portfolio of stocks, bonds, and cash. I would not feel comfortable with all of my assets invested in any type of stocks. My point is that the cash and bond markets are being skewed by the Federal Reserve by not allowing interest rates to rise and fall based on market conditions like inflation.

Very true. The problem is we are all living longer and IMHO in order not to outlive your money needed a higher percentage invested in stocks or mutual funds to do so.

[charlieo1126@gmail.com]

I don’t pretend to know much more then the average guy does about the market , which means not much, but I have a mix of Vanguard funds for 20 years that cover everything , they have been slightly adjusted as I got older but I’m still having dollar cost averaging automatically taken every month , hardly bother to look at there progress during year because I’m not pulling out

[rsmurano]

Why bonds? I know about the magical so called formula on % of bonds related to stock holdings based on age. I ignore that.
I implemented the bucket strategy: 1 bucket with enough cash to live on for a couple years that gets replenished with dividends, and 1 bucket of diversified index funds that are low risk, pay dividends, and have above average growth.
On average with dividends, it’s much higher than the cpi

[WesMan]

Originally Posted by retiredguy123

The inflation rate is currently 5.39 percent. But, my money market fund, where I have 30 percent of my portfolio, is yielding 0.01 percent. So, I just moved 10 percent of it into my junk bond fund, which is only yielding 3 percent. My short term and intermediate term bond funds are yielding 0.6 and 1.5 percent. My only investment that has any chance to exceed inflation is my S&P stock index fund. I feel like the Federal Reserve is stealing money from me by keeping interest rates artificially low.

No reply allowed!!!!!!!!!!!!!!

[bumpa]

Originally Posted by retiredguy123

I already have 35 percent in stocks. It's the other 65 percent that I think I should at least be able to at least keep up with inflation. I don't want to increase my stock percentage.

Sorry but the stock market is the best place to increase your investment returns. Personally I think your allocation should be flipped, 65% stocks and 35% cash. Granted you may need some professional advice to help if you're not able or willing to do the work yourself. Don't let anyone push you toward crypto, to volatile.

[Catalina36]

Place your money in the SP500 up over 15% YTD

[dewilson58]

Originally Posted by Catalina36

Place your money in the SP500 up over 15% YTD

Not what he wants Mr. Obvious.

[dewilson58]

Originally Posted by ProfessorDave

I like funds - to diversify risks.
These are among the highest paying funds that seek out high dividend paying equities.


SDIV

Global X SuperDividend ETF

8.56%
DVYE
Shares Emerging Markets Dividend ETF
8.21%
SDEM
Global X MSCI SuperDividend Emerging Markets ETF
7.65%
DIV
Global X SuperDividend U.S. ETF
7.38%
EFAS
Global X MSCI SuperDividend EAFE ETF
6.25%
DEM
WisdomTree Emerging Markets High Dividend Fund
5.63%
FGD
First Trust Dow Jones Global Select Dividend Index Fund
5.60%

The OP is not looking for stocks or stock funds.

[dewilson58]

Originally Posted by sccaracer46

QYLD is an ETF that generates 10-12% dividends paid monthly using a covered call strategy with the Global X NASDAQ 100. It has consistently paid these high dividend since inception eight years ago. Net asset value will vary depending on the performance of the stocks in the NASDAQ 100 (QQQ).

This ETF is returning investment, not just paying out earnings.

[l2ridehd]

You are looking at this wrong by trying to make any single investment beat inflation. You should have a highly diversified set of investments that include stocks, bonds, domestic, international, and what you want is the total return to exceed inflation. That is the only way to maximize returns and minimize risk. I keep 6 months of cash/money market total expenses. I keep 60% stocks and 40% bonds. 42% of stocks is domestic and 18% is international. 25% of bonds is domestic and 15% is international. I use total market index funds for these 4 investments. Re-balance to those % every 6 months. This forces you to sell high buy low. This mix maintains a very low risk profile with a return that will always exceed more risky portfolios over time.

I also add a small cap tilt to the stocks and use a small % to dabble in dividend stocks and some high risk high return stocks. But the only measure of success is what is the total return, not any single investments return. That is a very dangerous way to look at your total investments.

[fcgiii]

Originally Posted by Stu from NYC

Can be but an electric utility that has nuclear power plant and it blows up might not be able to continue a dividend.

Modern nuclear power plants are very safe. Of the worst power plant disasters in history only the Chernobyl incident made the top five.

What is the worst kind of power plant disaster? Hint: It's not nuclear.

Dam and natural gas incidents have been far worse. Nuclear gets a bad rap due to Hollywood generated hysteria and breathless media coverage. But it is the only practical technology that can get us away from fossil fuel power.

[stevecmo]

Originally Posted by l2ridehd

You are looking at this wrong by trying to make any single investment beat inflation. You should have a highly diversified set of investments that include stocks, bonds, domestic, international, and what you want is the total return to exceed inflation. That is the only way to maximize returns and minimize risk. I keep 6 months of cash/money market total expenses. I keep 60% stocks and 40% bonds. 42% of stocks is domestic and 18% is international. 25% of bonds is domestic and 15% is international. I use total market index funds for these 4 investments. Re-balance to those % every 6 months. This forces you to sell high buy low. This mix maintains a very low risk profile with a return that will always exceed more risky portfolios over time.

I also add a small cap tilt to the stocks and use a small % to dabble in dividend stocks and some high risk high return stocks. But the only measure of success is what is the total return, not any single investments return. That is a very dangerous way to look at your total investments.

^^^^^^^^^^ This

[dewilson58]

Originally Posted by l2ridehd

You are looking at this wrong by trying to make any single investment beat inflation.

You missed the whole point.

[Pmarlow]

Originally Posted by retiredguy123

The inflation rate is currently 5.39 percent. But, my money market fund, where I have 30 percent of my portfolio, is yielding 0.01 percent. So, I just moved 10 percent of it into my junk bond fund, which is only yielding 3 percent. My short term and intermediate term bond funds are yielding 0.6 and 1.5 percent. My only investment that has any chance to exceed inflation is my S&P stock index fund. I feel like the Federal Reserve is stealing money from me by keeping interest rates artificially low.

Check out the Ford Interest Advantage money market account. It pays between 0.45-0.65 depending upon how much you have invested. Been using it for decades.

[KAM+6]

This is a bill/ packing slip i received showing a tariff surcharge of 17%.

We were told China was going to pay.