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2025 Investment Thread

byke said:
Anyone dabble in qqqi?
Click to expand...

QQQ 12-month return = 23.6% + a 0.47% dividend
QQQI 12-month return = 5.8% + a 13.65% dividend (tho I'm not even sure they call it a dividend)

QQQ is the winner there. Yeah I understand QQQI's objective is to generate high income, for retirees I guess, but at what cost?

Not to mention their fee is more than 3 times higher than QQQ's
 
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Reli said:
QQQ 12-month return = 23.6% + a 0.47% dividend
QQQI 12-month return = 5:8% + a 13.65% dividend

QQQ is the winner there. Yeah I understand QQQI's objective is to generate high income, for retirees I guess, but at what cost?

Not to mention their fee is more than 3 times higher than QQQ's
Click to expand...
It's a covered call etf, so the fees and the at-what-cost is supposed to come in the form of stability being able to generate revenue in a bear market (without micromanagement) whereas another 2008 and just holding stocks could leave you without any revenue at all for five or six years. I think I want something like qqqi, but more tied to the euro, or euro defense.....or maybe just for the euro to take a shit, that would work too.
 
I haven’t held a fund of any kind since 2008. Been doing individual stocks only since then with a dabble in physical precious metals for a bit. Recently back into gold through the GLD. Digging that with its ease of unloading anytime I want.
So other than GLD it’s been just 7 stocks for years but isn’t that sort of what a fund is.
 
Kind of, 7 would be very very very very small, but you could have done anything but gopro since 2008 and made money.
 
“Sort off” was the key point.

Obviously the S&P has rebounded well since 2008 dragging most stocks with it.

S&P since 2008 returned around 650%.
5 of the 7 stocks I currently hold, I’ve held since 2008, averaged return 2880%.
The two I’ve added since then, making a total of 7, are NVDA and META which have not been disappointing.
Plus the GLD, added a few months ago.

I’m sticking with the buy the leaders strategy.
 
Every strategy works great when times are great, but there's far more exposure when only owning a handful of stocks when one of the specifics has a problem. There's been literally no skill required for 17 years.
 
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byke said:
Every strategy works great when times are great, but there's far more exposure when only owning a handful of stocks when one of the specifics has a problem. There's been literally no skill required for 17 years.
Click to expand...
Yep.
 
byke said:
It's a covered call etf, so the fees and the at-what-cost is supposed to come in the form of stability being able to generate revenue in a bear market (without micromanagement) whereas another 2008 and just holding stocks could leave you without any revenue at all for five or six years. I think I want something like qqqi, but more tied to the euro, or euro defense.....or maybe just for the euro to take a shit, that would work too.
Click to expand...

I guess I've never seen the advantage of exotic high-yield funds. Yeah they could help you live off dividends without being forced to sell any shares, but dividends are taxed as ordinary income. IMO it's better to just sell a few shares every month or so and deal with capital gains tax, because that's 20% max if the shares were held long-term.
 
byke said:
Every strategy works great when times are great, but there's far more exposure when only owning a handful of stocks when one of the specifics has a problem. There's been literally no skill required for 17 years.
Click to expand...

I’ll take gains over skill any day
 
Well those gains disappear in bad times if people stick with what they think are excellent strategies, but excellent strategies only reveal themselves in downturns. One of my old coworkers previously worked for some company that sold and he ended up with a million-something or other dollars in his 401k, prior to 2008. He kept working to hit some specific number goal in order to retire early, which he was maybe 40 by then. So then 2008 hits and he trusted his strategy and lost a million and it delayed his early retirement for honestly I don't know how long, but it probably turned a retire-on-the-beach-at-40-something into living a regular drone life retiring at 67 in suburbia. Gotta watch out for traps, they're everywhere.
 
Everyone loses in a downturn no matter the strategy.

I made no claims to having an excellent strategy. I merely said what I’m doing, so far it’s worked, credit given to luck.

If the purpose of the thread to to provide strategy, I yield
 
So that goes back to my interest in qqqi, maybe there's a way to not lose in a downturn if one were willing to make the tradeoff of limiting gains. It hasn't been tested because it's too new.
 
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