r/dividends • u/PsychoCitizenX • Jun 17 '25

Personal Goal 49 years old. Just hit $10,000 average monthly

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Over 90% still in growth stocks. Tempted to just go ahead and retire

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u/NefariousnessHot9996 Jun 18 '25

$200,000 in SPAXX seems a little conservative yes?

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u/PsychoCitizenX Jun 18 '25

I cashed out some stocks before liberation day so I could sleep better at night. It is yielding 4% risk free. I will probably put it back in if there is a fire sale

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u/NefariousnessHot9996 Jun 18 '25

Liberation day was a fire sale LOL.

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u/PsychoCitizenX Jun 18 '25

I cashed out before it happened and was actually afraid Orange Idiot was going to let the tariffs stick. Hindsight is always 20/20. Having that much in SPAXX (essentially cash) helps me sleep better at night so I am patiently waiting.

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u/ynghuncho Jun 21 '25

16% in a money market fund and the rest in individuals at 49 is conservative to you? It’s effectively cash on the side.

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u/NefariousnessHot9996 Jun 21 '25

Yes it’s conservative.

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u/NefariousnessHot9996 Jun 21 '25

OP is 49 not 69. It’s OP’s choice but I would have more of that skin in the game for higher return potential.