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12.5% each in JEPI, JEPQ, XYLD, RYLD. 50% in SPY. No need to sell anything all year. JEPI did best in 2022. Lost 13% but paid 11% dividend rate for neg 2 total return. XYLD and RYLD beat their indexes. JEPQ is only 6 months old but followed the Nasdaq but paid over 12% dividend rate.
VANGUARD EQUITY INCOME ADMIRAL CL-VEIRX-best performing equity fund
Tbills are a great investment right now.
Josh be careful here look at the pricing on the dividend stocks!!!! We can look back and note they won in 2022, however you know full well markets revert to the mean. Check price to earnings on the top ones in the funds. You have been doing this for a very long time so you know what I mean is a risk for going for the better performing fund from last year. Do you really want to buy a super slow grower for a p/e of 40 for example
Self-depreciation is a true positive character trait. I followed your advice Josh and moved some of my VGSLX into VTG. VGSLX was down over 26%, but VTG down just over 2%. S&P was down around 18.5%
Technically VOOG is S&P500 Large Cap growth, VUG is indexed to CRSP US Large Cap Growth. Slight difference in returns but point still taken.
Be careful Josh, YouTube (Left) may not like it if you keep stating your Right!!!
Nicholas Fund beats Vanguard imo
Are you taking new clients?
If so I how do I contact you ?
Jack
It's good you take credit when you are right …
You are correct …spot on…difference between good and bad advisors…
When you say down from what time what period?
25% SCHD, 25% VWELX, 25% VTI, 15% VWINX, 5% XLU & 5% individual stocks.
Strong on VTI and SCHD/DIVO and reinvest the dividends and grow for the ride
Even with the current dip in the market I'm still glad can smile back at my portfolio of $32,500 built from my weekly trade
Did you say 'ecspecially'? I have vanguard dividend growth and have been buying treasuries with my cash. Fidelity makes it pretty easy.
Hi Josh . One correction. VTV/VUG are crsp, not S&P. VOOV/VOOG are S&P. If looking for more conservative us large cap equity, I like consumer staples (VDC) and dividend growth (VIG).
SCHD until you can live on a 5% distribution. Doesn’t need to be anymore complicated than that! VTV and VWELX don’t cut it… 5 year total return 50% and 25% respectively vs 75% for SCHD.
add inflation to bond losses and equity losses – when was it ever worse historically?
My portfolio is all wellington now. Because the bonds got hit because of the rate hikes. But it has to come back to par. You didn't loose any money just DCA into wellington and you'll come out further than vtv
Did a 6 month T-Bill at 4.82%. Along with that I have Vanguard short term inflation protected fund which, is down about 2.5% and the Wellesley Admiral Fund which I think is down around 10%. So the plan is to live off cash for 2 – 3 years (checking, savings, I-bonds) while converting my wife's IRA'S and 401k's to Roth. By the time we run down the cash, the T-Bills I continue to buy and these two funds should generate enough dividend income in my IRA so that we can live off it for 1 – 3 years after that. Thinking that my wife would take Social Security at FRA, and I would wait until 70, seeing my Social Security is a little bit bigger. The trick is doing Roth Conversions in my account after we're done converting her IRA's. Two healthy Social Security payments, along with some small pensions should be enough to cover our expenses without having to tap my IRA'S once we're on Social Security. Of course we'll need to perform RMD'S at 73, but the question is how much I can convert, and should I swing the IRA'S back to more growth once we're on Social Security or maybe just reinvest the dividends into growth funds, and leave the principal in more conservative funds. I don't expect the yield curve to be inverted forever, so finding a fund to switch the T-Bill portion of the portfolio to when the time comes is also a consideration.
Yup. . . Just checked my dividend account—down less than 3% for the year. . It’s got half of my money and I’ve been reinvesting dividends. Not too bad.
So good call on the Value Fund. I only have a small amount left in the taxable account. Wellington I put a pretty good chunk in my Roth last year then exchanged more from within the Roth into it.-14% ts a lot better than the 3 major indexes did. GNMA I exchanged a fairly good chunk into keeping it in the traditional IRA thinking of it as a future cash cushion that I'd build up to be able to pull from as I start retirement withdrawals. With such a low expected return, I'm really shocked at how far it has fallen! There's no sense doing anything with it now but the Fed Money Market I have has a 4,2% annualized rate which I'm surprised to see. That's close to what 2 Year notes were going for last week.
The 3 best performers in my portfolio last year were VDIGX (Dividend Growth) with a 5% loss, VWNDX (Windsor Value) with a 3 percent loss, and VEIPX (Equity Income) which was flat no gain no loss. I have been happy with my Wellington active funds so far.
Your advice is the worst
My portfolio was up about 0.7% in 2022, invested in 99% dividend growth stocks and dividend ETFs.
Josh you are hilarious and make it entertaining to watch your videos. Thanks for being real and your self.
VGT which I took a stake in 2yrs ago has been a real stalwart and I keep buying in and reinvesting dividends.
I was holding over 10% in cash at the beginning of last year. I know bonds where likely to get crush but I did not expect the Fed to tighten as fast as they did though. I made mistake too Josh. Last Janurary I sold XOM for 71 (now 110) and bought VNQ for 110 (now 84.37) and VXUS for 63.84 (now 53.73). Thankfully this was with 3% of my portfolio but that hurt. I was following personal capital saying a was underweight international and alternatives.
Treasuries are the play this year.
Josh, know you are not a stock picker, but based on your thinking about dividend payers, I did move some into VTV in IRA account. Holding BND and VFIJX through the ditch thankful the yield has been buying at good value.
I still prefer to invest in Voo or VTI and hold for many decades. Value is down less in one year but still has less of a 5 year return. It’s the tech sector that’s really dragging down the S&P and it’s difficult to predict if value or growth will do at whichever time so I just buy the whole bundle.
What did you mean when you said “…you think the bond market isn’t going to tear up.. etc” do you mean bad tear up or good tear up?
Great stuff – next time you make a trade I'll be sure to do the opposite – LOL!
Definitely bullish on bonds this year.
SCHD. Dividend growth investor.
I've been buying dividend stocks while they are on sale, much with my roth money. Will be tax free income when I retire later this year.
I love saying that after i sneeze. Its so funny. Even at work everyone says it after a cough or sneeze. haha. 3 years later. Its awesome.
We will see where VTV ends up when earnings aren't met and dividends are cut. I doubt 2023 is going to be kind to VTV.
I bought vanguard high dividend yield ETF (VYM)
Lol and you’re so humble too.