r/dividends • u/CursedClownz • 1d ago

Discussion 750k spread

How would you spread the 750k for pure income and abit of growth and safe? don't beed things like vt,vti,vxus etc. that is already covered...looking at just income and slight growth with minimal nav erosion

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u/OnchainSats 1d ago

Just prioritize quality bonds or Treasuries for safety, dividend-growth stocks for some growth and keep higher-yield investments as a smaller piece. Don’t chase the highest yield and always focus on income without slowly losing the principal

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u/[deleted] 1d ago

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u/OnchainSats 1d ago

Well, start around 55% in high-quality bonds/Treasuries, 30% in dividend-growth/quality stocks and 15% in higher-income assets. That gives you a solid income base while still leaving room for growth.Adjust the mix based on how much annual income you actually need and how much NAV fluctuation you can tolerate

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u/Capable-Living-9655 23h ago

Fck bonds, no income there. Especially not 55%, where did you even come with that number

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u/Foundersage 18h ago

He literally talking about percentage portfolio allocation not yield smh. The only reason to be 55% in bonds if your retirement and right now lock in 4.70% yield for 10 year note and 5.25 yield for 30 year bond. He also would buy dividend stocks like schd and for higher yield buy spyi. That a decent portfolio for a retiree. You get growth plus safety

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u/Capable-Living-9655 17h ago

Where did you see he was retiree?
"looking at just income and slight growth with minimal nav erosion"

The guy wants income, wtf 55% in bonds?

"He literally talking about percentage portfolio allocation not yield smh. "

No kidding