Income Portfolio

[CherryGaru]

  On 3/21/2025 at 11:13 PM, Konebhar6 said:

Its like saying, I will get a job with less salary so that I can pay less taxes.

I partially disagree with your statement. Like an ETF & stock portfolios, there is a place for an Income portfolio. It's proper financial planning and not just retirement planning. 

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For me, when one is earning a salary and also taxed 20% on 8-10% return on capital, I don't think Income portfolio makes sense. 

 

[allbakara]

  On 3/22/2025 at 4:01 AM, Konebhar6 said:

What strategy you want to follow is upto you. 

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Nuv already pandipoyi unnav ga bro ee matter lo, just nee approx numbers cheppu…end of the day evari comfortable range lo vallu invest chesthatu

[Konebhar6]

  On 3/22/2025 at 4:03 AM, allbakara said:

Nuv already pandipoyi unnav ga bro ee matter lo, just nee approx numbers cheppu…end of the day evari comfortable range lo vallu invest chesthatu

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I do Income, stocks, ETFs, etc. I interchange between stocks and income portfolios based on market conditions and my risk appetite.

i have good enuf portfolio (50% of my overall portfolio in income) which I sold recently since I saw more value in stocks. But I do believe S&P will fall more this year. Will book some profits in stocks and move them back to income. 

[Konebhar6]

  On 3/22/2025 at 4:02 AM, CherryGaru said:

For me, when one is earning a salary and also taxed 20% on 8-10% return on capital, I don't think Income portfolio makes sense. 

 

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Different people, different goals.
I like cash flows in my accounts and move money between stoxks and income portfolios based on opportunity. I have different brokerage accounts each serving different purpose. 

[allbakara]

  On 3/22/2025 at 4:52 AM, Konebhar6 said:

I do Income, stocks, ETFs, etc. I interchange between stocks and income portfolios based on market conditions and my risk appetite.

i have good enuf portfolio (50% of my overall portfolio in income) which I sold recently since I saw more value in stocks. But I do believe S&P will fall more this year. Will book some profits in stocks and move them back to income. 

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Fidelity lo 401k undhi bro, aa amount tho ee income portfolio build cheyocha?

[Konebhar6]

  On 3/22/2025 at 4:59 AM, allbakara said:

Fidelity lo 401k undhi bro, aa amount tho ee income portfolio build cheyocha?

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Is it company sponsored or converted to IRA? 
Company sponsored ayithe they won’t let you.

However you can invest in the index funds. Start moving money into health care and technology funds with every S&P500 drop. Once done, don’t move it. 
Check what’s available with your 401k.

[allbakara]

  On 3/22/2025 at 5:03 AM, Konebhar6 said:

Is it company sponsored or converted to IRA? 
Company sponsored ayithe they won’t let you.

However you can invest in the index funds. Start moving money into health care and technology funds with every S&P500 drop. Once done, don’t move it. 
Check what’s available with your 401k.

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Ok bro check chestha what’s available with that, adhi company sponsored for wife, she just changed to new employer, can we convert that to IRA?…if not naku oka separate fidelity account create cheskoni cheyali income pf

[Konebhar6]

  On 3/22/2025 at 5:10 AM, allbakara said:

Ok bro check chestha what’s available with that, adhi company sponsored for wife, she just changed to new employer, can we convert that to IRA?…if not naku oka separate fidelity account create cheskoni cheyali income pf

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You can convert wife 401k to an IRA and build income portfolios there. 
Alternatively you can create a stock account with fidelity and it’s just like buying and selling stocks. Just because these funds give monthly div, I call them income portfolio.

You should talk to one of your friends with stock experience. 

[allbakara]

  On 3/22/2025 at 5:20 AM, Konebhar6 said:

You can convert wife 401k to an IRA and build income portfolios there. 
Alternatively you can create a stock account with fidelity and it’s just like buying and selling stocks. Just because these funds give monthly div, I call them income portfolio.

You should talk to one of your friends with stock experience. 

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Ok bro, mavollantha robinhood, webull lo chestharu, vaatilo naku accounts unnai but I don’t do anything with that, thought to invest in stocks before covid, liquid cash avasaram vachi dropped then

[Konebhar6]

  On 3/22/2025 at 5:34 AM, allbakara said:

Ok bro, mavollantha robinhood, webull lo chestharu, vaatilo naku accounts unnai but I don’t do anything with that, thought to invest in stocks before covid, liquid cash avasaram vachi dropped then

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Robinhood won’t let you buy some securities. JEPI and JEPQ it does. pDI/GOF they don’t. I have Webull but never tried buying those there.

May be you can check

[perugu_vada]

@Konebhar6 uncle .. nuvu ichina stocks medha after doing research .. 10k each konocha ? Safe ye na ? 

[Konebhar6]

  On 3/23/2025 at 2:44 PM, perugu_vada said:

@Konebhar6 uncle .. nuvu ichina stocks medha after doing research .. 10k each konocha ? Safe ye na ? 

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Start with a SIP. Pick top 5 - PDI, GOF and SVOL, JEPQ and JEPI and do $100 each or more or less. Weekly or monthly based on your convenience. 

Be prepared to add more SVOL in bulk when S&P drops further.

Likewise PDI add in bulk when price is < $17. 

I have added a 1-yr chart and Ex-Div dates to the sheet.

[changure1]

My 2 cents:

if you are in your middle age, play safe dont buy directly the stocks, but go with ETFs (low expense ratio)

I am doing 50% each SIP  on SCHD (with DRIP) and SCHG (for growth).

Let it compound and see the magic in 10 yrs -15 or 20 yrs later. 

[SwamyRaRa]

  23 hours ago, changure1 said:

My 2 cents:

if you are in your middle age, play safe dont buy directly the stocks, but go with ETFs (low expense ratio)

I am doing 50% each SIP  on SCHD (with DRIP) and SCHG (for growth).

Let it compound and see the magic in 10 yrs -15 or 20 yrs later. 

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Drip antey Emiti 

[changure1]

  22 hours ago, SwamyRaRa said:

Drip antey Emiti 

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Dividend reinvested into the stock/ETF