First position for monthly cash flow established

Alexander_Bitcoin@Alexander_Bitcoin

1Anno

Nice, 1k pro Monat Cashflow.

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Chris@1Chrischi1

1Anno

stabil

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N@Khlmysee

1Anno

@1Chrischi1 who believes it.

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mami_goes_boerse@mami_goes_boerse

1Anno

Not bad 👌

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N@Khlmysee

1Anno

Stories from the Paulaner garden.

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Erzwo@FYBSTRD

1Anno

Geringverdiener

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Carles@Carles

1Anno

Didn’t know about the existance of this kind of ETF. I think it is going to be on my savings plan.. 👌🏼
How do you feel about BDCs as dividend income options?

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Money Game@MoneyGame

1Anno

@Carles Sorry, I don't know much about BDCs.

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Carles@Carles

1Anno

@MoneyGame you should check $ARCC and $MAIN they’re amazing dividend payers with a long positive track record and stock appreciation (better total return even than this ETF). They’re basically loan facilitators to small-mid cap companies and distribute aprox 80% of their profits by law (they have good tax incentives to do so)

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1Anno

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Carles@Carles

1Anno

@Coyote980 I check on Seeking Alpha, good source of info for any american stock.

$GBDC is not a bad BDC, they’be been growing fast their porfolio of loans and income, but forecasts for next years are not as good as it has been on the income side, as interests are expected to go down (to be seen). Their Yield is higher than usual, due to supplementary distributions, but I don’t specially like it when Yield on a BDC is more than 10% as it usually means a risky play.
They have a good diversification in their portfolio (software being 27% of it and then healthcare 7%) and Top10 borrowers are 13% and top25 are 27% of it, so not concentrated risk.

In any case, I usually go for the safe plays, wich are $ARCC and $MAIN . Ares being the biggest BDC and being arround during many crisis, so good track record and increasing value of the stock over years even with a 10% yield (for comparison, $ARCC is 35% up, $MAIN is 97% up and $GBDC is 6% down). i also like $HTGC for their focus on tech and biotech. 6% down is not bad for an 11% dividend income yearly, but I still prefer to pay a premium NAV.

Many BDCs tend to go down long therm, as they distribute a high yield and don’t have big margin for failures, if an important borrower bankrupt it can has a big impact on the portfolio. Also if there is a crisis the price goes down fast and strong so carefull if you don’t have risk tolerance (they also go up fast when it’s clear they’ll survive). That’s why I usually look at their long therm performance.

I’d wait for a small “crack” to go into BDCs, you’ll get high return on the dollar if you wait to that moment and choose wisely.

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Carles@Carles

1Anno

@Coyote980 i own $ARCC , $HTGC and $OBDC and planning to sell $OBDC at some point and switch it for $MAIN or more of $ARCC. Overall they account for a 7% of my portfolio; 42% total return in 1,5 years of owning them, as they’re up since I bought

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Diogo@Gaiagenetic

1Anno

My god you buy 5900 shares 😅😅😅 don't you think it's a little bit risky ? 😅😅 Like I'm kinda new but 😅😅

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FinanzFluesterer@FinanzFluesterer

1Anno

@Gaiagenetic Are 9646 better?

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Diogo@Gaiagenetic

1Anno

@FinanzFluesterer no way you bought that many

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FinanzFluesterer@FinanzFluesterer

1Anno

@Gaiagenetic yes, I have them

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Diogo@Gaiagenetic

1Anno

@FinanzFluesterer omg 🤣☺️

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Oleg@ScorpionfromBW

1Anno

@Gaiagenetic Everyone should decide for themselves how to manage their money. I would never criticize someone who can cover their living expenses with their capital.

I also have 5230 of them and it feels good to be able to pay a monthly rent

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Diogo@Gaiagenetic

1Anno

@ScorpionfromBW ya, I would never criticize on anything about anything and in this case I will never judge anyone on there's way to do things, like I just got amaze on him that's it .😊😊

Like I'm new on this investment thing's and I read Alot on what everyone says and expressed there's way to see and act and I learn form everyone, I don't get influenced I just study and learn form everyone, like I say everyone here are more experience them me 😅

It's like the shark thank 🤣🤣 I'm Nemo here 🤣🤣 but I like to learn how everyone do and Acts, and I learn form everyone and form my mistake and victory's 😊😊😊

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Oleg@ScorpionfromBW

1Anno

@Gaiagenetic Everything is fine, everyone who invests in this ETF must also be aware of the risks. Otherwise it would be boring

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Diogo@Gaiagenetic

1Anno

@ScorpionfromBW can you advise on ETFs ? 😅

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Diogo@Gaiagenetic

1Anno

@ScorpionfromBW like things we should be aware and no 1 say, I know what it is an ETF I understand the concept I have 2 off them, but my main investment is on stocks

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Oleg@ScorpionfromBW

1Anno

@Gaiagenetic I don't think you need advice on ETFs. Unless they are theme ETFs. You can't go wrong with all world ETFs. And $VWRL is also my biggest position

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undraiser_1472@undraiser_1472

1Anno

Interesting. Only found the ETF yesterday and also invested. I will expand it 😁

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1Anno

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yieldhunter@randomdude

1Anno

@Madhatter5566 I ask myself the same question. And why sacrifice performance and even pay taxes? Mysterious. It could be so simple: reduce your savings rate 😳

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Money Game@MoneyGame

1Anno

@Madhatter5566 @randomdude Savings rate is currently close to zero. I need the cash flow to live on. Yes, that really exists :D

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yieldhunter@randomdude

1Anno

@MoneyGame Then partial sales are an option.

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profit_potential_1336@profit_potential_1336

1Anno

I'm about to try it out with a small amount for the time being. I find it exciting. As we will soon receive a larger sum from the sale of an apartment and my husband wants a secure investment, that would be an option. And then I can use the cash flow to further reduce my working hours.

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Money Game@MoneyGame

1Anno

@profit_potential_1336 I would be careful with "safe investment". These are not really "dividends" in the classic sense. The ETF earns the money with options transactions. Personally, I think it's good because it's a hedge against a sharp fall in prices and I'm already heavily invested in growth stocks and NAS100. So it's a nice diversification. As the "largest position" in the portfolio, I would be skeptical as to whether it makes sense.

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profit_potential_1336@profit_potential_1336

1Anno

@MoneyGame ok. Thank you. Do you have any ideas on how I can diversify it well? So far I have rather accumulating stocks in my portfolio and also cryptos. But since we are leaving the job in 3 years, I would like to see where I can get good dividends for our income. Thank you in advance 🙏

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profit_potential_1336@profit_potential_1336

1Anno

Super. Thank you very much. 🙏

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TomTurboInvest@TomTurboInvest

1Anno

@MoneyGame I understand the temptation of the almost 10% divi, but I don't understand a covered call in bullish markets. A consumer loan would be cheaper cash flow - have you ever compared it with the Nasdaq100?
If the market turns into a sideways trend, then no question - I'll be there too, but as long as the market is heading north... why "cap" profits and let others pocket them?

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Chandra@Chandra

1Anno

@Madhatter5566 I am currently investing primarily in covered-call ETFs because I am currently assuming a sideways market. I would sell covered calls myself, but that is forbidden in Germany and so I have to do it via an ETF. They just pay out 🤷‍♀️
But cash flow is of course also nice to look at and motivates 😄

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1Anno

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