Mommy gets a deposit for Christmas.

Age: 60

Financial knowledge: zero

Interest in the topic: zero

Tax residency: Germany

Savings rate: 100 € per month

The custody account is to contain starting capital and savings plans and would probably be fed by me with €100 per month.

But how can I sensibly structure a custody account with such a short investment horizon? Because we already know that mommy will have a large pension gap and so far nothing has been done about it...

My original ideas were:

a) 100% $VWRL (+0,03 %) alternative an ACWI

or

b) 50% $VUSA (+0,14 %) or MSCI USA

35-40% $WEXU (+0,03 %) ( MSCI World ex USA)

10-15% $VFEM (-0,3 %) or $EIMI (-0,27 %)

But if you now think about the short investment horizon and the pension gap, perhaps something like the following would make more sense:

c) 50% $HMWO (+0,06 %) or $WEXU (+0,03 %) but this is only available on an accumulating basis

50% $JEPQ (+0,73 %)

What do the professionals among you say? Has anyone tackled a similar situation? What are your ideas and suggestions?

$JEPQ (+0,73 %) I had mentioned somewhere in the comments that the Etf does not yet take the partial exemption into account in the distribution.

The answer from ING's customer service:

So it's running

@Yield-Ahead

Recently, options-based ETFs have received a lot of attention here in the forum. The best-known providers and funds include:

Global X: $QYLE (-0,22 %), $XYLP (-0,3 %)

JPMorgan: $JEGP (-0,83 %), $JEPQ (+0,73 %)

iShares: $WINC (-0,36 %) , $INCU (+0,2 %)

Now another provider is entering the stage: IncomeShares from the UK.

The first products, $QQQY and $SPYY are now tradable at Scalable:

IncomeShares Nasdaq 100 Options (0DTE) ETP

IncomeShares S&P500 Options (0DTE) ETP

They promise massive payout ratios of 65% and 41% respectively. What's the catch?

For me, many questions remain unanswered, especially about the underlying option strategies, such as the use of ODTE (Options with Daily Expiry).

Presumably these are adaptations of income investing, which is already very popular in the USA and Canada, with providers such as YieldMax, Roundhill and Defiance enjoying great success. It seems that this wave is now spilling over into Europe.

One important point: these products are not ETFs, but ETPs. This could make legal differences relevant.

Among other things, it is unclear to me whether a partial exemption of distributions is possible.

Does anyone already have these products in their portfolio and could share their experiences? I would be very interested to hear reports.

https://incomeshares.com/en/etps/income-shares-nasdaq-100-options-etp/

https://incomeshares.com/en/etps/income-shares-s-p-500-options-etp/

Hello everyone, after some back and forth and a bit of learning, I have found a strategy that lets me sleep peacefully. My regular savings plans are based on $VWRL (+0,03 %) , $FGEQ (-0,14 %) , $JEGP (-0,83 %) and more recently $JEPQ (+0,73 %) . The rest (crypto, individual shares) is gambling. I would like to further expand the Bitcoin position, but I only plan to sell a portion of it when I retire (around 30 years). I hope that we might see prices of around 60/70k again after the run and am already accumulating cash in the call money for this.

My actual question, or rather I would like to hear your opinion, would be the following:

The $JEGP (-0,83 %) I'm mainly saving to build up a steady monthly cash flow, I've been thinking about shifting everything into this since the $JEPQ (+0,73 %) I've been thinking about shifting everything into it, as a single monthly payer is enough for me. I would like to hear a few opinions on this, and of course also on the rest of the portfolio.

Thank you very much and have a nice rest of the week.

$JEPQ (+0,73 %)

0.186$ will be available next month 🤤

https://www.ad-hoc-news.de/boerse/news/ueberblick/dividendenmitteilung-eqs-news-jpmorgan-etfs-ireland-icav/66440775

$JEPQ (+0,73 %)

The first dividend has been received by Trade Republik. If I have understood correctly, there will be a monthly distribution.

When will this be added to the monthly dividend preview in the Premium version? Only when a year has passed and there is a little more data?

Weekly at TR

$GGRP (+0,09 %)
$TDIV (-0,48 %)
$JEGP (-0,83 %)
$JEPQ (+0,73 %)
$FGEQ (-0,14 %)

It continues at Ing, but only monthly

On the 7. $SPYD (-0,85 %)
$VUSA (+0,14 %) and $HMWO (+0,06 %)

I hope I can keep up the pace with the savings plans 🤣 as they say @Simpson ? "For a simple man" (and I count myself among them) this will be a challenge. If so, and I hope nothing extraordinary comes up, then that's a great sum for me/us to put aside and create value.

Oskar is still marginally involved with the VL, but my employer is a bit stingy about that.

Happy new year, good luck in 2025 and, above all, stay healthy, otherwise it's all for nothing anyway. What you do for

I just thought I had forgotten myself, that's a crazy growth of the fund volume $IE000U9J8HX9 (+0,73 %) has almost doubled in the pre-Christmas period from 450 million USd on 13.12. to 860 million 23.12.

Who buys in like that?

But apparently a huge success for Jp Morgan to bring the variant to Europe.

Launched on October 29, 2024 with 19 million

https://am.jpmorgan.com/de/de/asset-management/adv/products/jpm-nasdaq-equity-premium-income-active-ucits-etf-usd-dist-ie000u9j8hx9#/overview

January distribution JPM Nasdaq Equity Premium ETF in the amount of 0.18 Euro was announced.

Ex-date on 12.12.24.

Payment date on 08.01.25.

$IE000U9J8HX9 (+0,73 %)