Can i earn 10k a month with 3M?

[Anonymous No.52522071]

I just want to earn more than a doctor

[Anonymous No.52522097]

>>52522071
You could have with Luna. Now you cannot

[Anonymous No.52522099]

>>52522071
If you turn 3 million USD into 233800 AVAX and stake them you will make at current prices around 18000 USD per month.

[Anonymous No.52522178]

>>52522071
not anymore. Especially not with any shitcoins

[Anonymous No.52522250]

Check out SCHD and JEPI for income stocks.
Go all in SCHD. Your 3 million will continue to grow (just hold through the bear market for stocks) but you will also receive 3.4% dividend, which will be 100k a year.

Congrats on making it, you should ask more advice in smg but this is realistically your best split between growth and income.

[Anonymous No.52522261]

Haha, you're wasting yar cash on the trash and then cry on 4ch on every topic. Be smarter, kids, check Bspin

> Strong casino with a BTC as the playing currency
> Coming giveaway with $15K Prize Pool
> Transparency and Provably Fair

[Anonymous No.52522399]

>>52522071
that's 1% a month on 1m, of course you can. you can earn that on any megacap stock per month with ease

[Anonymous No.52522458]

>>52522071
Easily.

[Anonymous No.52523094]

>>52522071
Boglehead here.
SP500 averages 10% nominal returns (7% real returns) each year
sometimes it does better, sometimes it does worse
But ON AVERAGE you will make $210,000 per year if you just park that 3M in the SP500, or $17,500 per month.

[Anonymous No.52523277]

>>52522071
Sdiv dividend yield is at 14% rn. That works out to 35k a month off of 3 million.

[Anonymous No.52523289]

>>52522071
Yes, very easily. Even if you invest very conservatively.

[Anonymous No.52523334]

>>52523094
What are your holdings? I got permanently banned from /r/bogleheads for calling Dave Ramsey a boomer grifter who offers no real wisdom. I mainly hold VT/VTI/VOO. I know there's a lot of redundancy there, but I was still learning when I bought them and I figure there's no point in selling at this point. I just automatically buy VTI now. If I want international exposure, I might just simplify and have a balance of VTI/VXUS. VT has too much international exposure for my liking (about 40% I think).

[Anonymous No.52523387]

>>52522099
You will turn the 3m to 18000 in a month*

[Anonymous No.52523436]

>>52523277
SDIV? isnt that down like 70% in 10 years kek

stocks are supposed to go up, who cares if you're getting 14% if stock loses 7% yearly average xd

[Anonymous No.52523527]

>>52523094
past results not indicative of future returns
can't wait till the fed never pivots and the bogletards lose all their money

[Anonymous No.52523661]

>>52522071
If you're willing to take a risk, invest it into a covered call ETF like QYLD. If you invested around 1.2 - 1.4M right now you'd have around 10k a month in dividends, give or take, assuming the payout remains roughly what it is right now.

[Anonymous No.52523765]

>>52522071
Easily 10k/m = 120k/y = 4% of $3mil, and short term treasuries are yielding 4% now.

Now if you wanted to earn $10k/month inflation-adjusted forever then you'll need to go stocks. But the typical rule is 4% for indefinite withdrawal if you meet the market So $10k/m, increasing with inflation, would be likely possible if you were 100% VTI for example.

[Anonymous No.52523794]

>>52522071
>buy 10 houses
>have rent be 1k minimum
Really easy and that's an extreme low ball.

[Anonymous No.52524074]

>>52522071
You should look at diversifying your income; public equity, dividends(preferred, common, private), interest income, royalties, rental income, private equity etc
Throw 1% in some shitcoins

At the end of the day it depends on your goals, tax planning, current income sources, risk appetite etc

[Anonymous No.52524086]

>>52523334

>I got permanently banned from /r/bogleheads for calling Dave Ramsey a boomer grifter who offers no real wisdom.

kek you insulted their savior

[Anonymous No.52524107]

>>52522071
where I live, 22.5k doing absolutely nothing with 3M

[Anonymous No.52524212]

>>52522071
>3m at 4% is 120k a year or 10k a month
literally FDIC insured CD's are offering 4% a year

[Anonymous No.52525289]

So sick of not having enough income in life bros. Career and salary gains are happening but its slow. Thinking of throwing all my money into an even split of QYLD/ RYLD/ XYLD/ JEPI/ JEPQ/ SCHD, and hopefully one day ill be free.

[Anonymous No.52525297]

>>52523387
no you will turn it in $300 million making $1.3 million a month.

[Anonymous No.52525335]

>>52522071
not benig in qld right now is braindead, you caugh the bottom and you wanan buy retirement shit lol even tqqq or upro would be good

[Anonymous No.52526771]

>>52522071
You could earn 10k a month with 1.2M using covered call ETFs

[Anonymous No.52526850]

>>52522071
Plenty of dividend stocks from safe companies that have been around 200+ years that pay 6%+ (Canadian banks for example). That's 180k per year, so yeah.
You could also invest in income oriented covered call ETFs like JEPI that pay a lot more. Whatever you do, don't listen to turkroaches shilling AVAX like this retard: >>52522099

[Anonymous No.52526993]

>>52524212
Seriously you can earn 4% in really safe ways RN, most recent 13 week US T-Bill auction was over 4%.

[Anonymous No.52527250]

>>52522071
Yes. I'm assuming you're ok with averaging 120k/year right? Like it doesn't really matter that you get your paychecks every week right?

In which case, you can easily invest a your portfolio in a completely diversified manner and collect dividends for quarterly-based income. For a total portfolio size of 3 million, you could easily break a 10k/month equivalent income; probably aiming closer to around 20k-25k/month equivalent.

And yes you could literally get somebody at vanguard to do it for you, and they'll just take their fee off the top, you'll still get a very large portion of the income. Vanguard is known for having the lowest expenses, and lowest fees of any financial company. They have a coined term called "the Vanguard effect" where once they enter a new market for the first time, their extremely competitive fee structure forces all other financial institutions to follow suit.

[Anonymous No.52527312]

>>52522071
>$3mil to flow $120k year
If I ever want to sell my business I’ll give you a call anon

[Anonymous No.52527335]

>>52526771
Redpill me on covered calls. I was looking into all that but got focused on crypto a few years ago instead

[Anonymous No.52527403]

You used to be able to with Gemini Earn but we all see how that turned out.

[Anonymous No.52527504]

>>52523527
This. This will be the age of the stock picker/sector picker. Or trader. We are not going back to "before"

[Anonymous No.52527542]

>>52522071
Just put it in the S&P nigger

[Anonymous No.52527810]

>>52524086
>>52523334
How the hell did /r/bogleheads come to worship Dave Ramsey?

[Anonymous No.52527872]

>>52523094
based. boomercore kid here. S&P500 for 401k (best offering) and VTSAX otherwise, is chill

can't win big, but certainly can't lose

[Anonymous No.52527915]

>>52527872
>certainly can't lose

fucking retard

[Anonymous No.52527930]

>>52527915
explain how investing in a cap-weighted index of the entire market could possibly fail within 30-50 years

[Anonymous No.52528537]

>>52527930

[Anonymous No.52528623]

>>52528537
chinks? ok then
ping cheng ding dong chow fung to you

[Anonymous No.52528642]

>>52527930
Ever heard of the Nikkei? The old Nasdaq featuring pets and AOL? How old are you? Why aren’t you buying VEA and VWO

[Anonymous No.52528658]

>>52528642
VGT is ok

[Anonymous No.52530443]

>>52522097
You still can when staking LUNC once it hits one united states dollar

[Anonymous No.52530798]

>>52528658
It is which is why I’d rather own QQQ

[Anonymous No.52530866]

Short VIX futures to make contango gains at every rollover. Just don't do it before the upcoming VIX megaspike and make sure you won't get margin called if VIX spikes hard enough.

[Anonymous No.52531074]

>>52522071

Buy a 1-yr us treasury

[Anonymous No.52531885]

>>52526993
only problem is if/when FED lowers the FFR, you'll be stuck reinvesting in falling yields

if desired to lock the rate in would be better off buying 10yr bond above 4%

[Anonymous No.52531918]

>>52531074
>negative real rate
wouldn't 1YR TIPS be better assuming inflation doesn't drop that much?

[Anonymous No.52532464]

>>52531918

https://www.investopedia.com/articles/investing/102215/3-reasons-stay-away-tips.asp

Who cares about negative real rates? If he buys stocks the risks are way too high to risk $3M. Crypto is clearly out of the question, unless he wants to anhero next year.

A 1-yr Treasury at 4.7% is a guaranteed $141k, with almost 0 risk. Unless the dude lives in a mansion, $141k/yr will easily cover his lifestyle. TIPs just add more bullshit he has to worry about.

Just buy the 1-yr, hold it to maturity and call it for the year.

[Anonymous No.52532483]

>>52532464
>A 1-yr Treasury at 4.7%
It will most likely underperform the YoY CPI a year from now

[Anonymous No.52532496]

>>52522097
>>52522099
>>52522250
Ser buy my shitcoins SER 100% safe and not scam

[Anonymous No.52532634]

>>52532483
maybe so, but current market pricing expects 1yr inflation to be ~3.2%, thus 1yr treasury currently has an expected real yield of 1.5%

https://fred.stlouisfed.org/graph/?g=WBiA

[Anonymous No.52532690]

>>52532634
Yes, but the market is wrong about future inflation, we agree on this, right? So if inflation will be much worse than priced in then TIPS will be better than expected and the real yield of 1-year bonds will be way below 1.5%, quite likely even below 0%.

[Anonymous No.52532730]

>>52532690

>Put $3M in a 1-yr Treasury, get a guaranteed $141k.

>Put $3M in the stock market, risk losing $600k if the market goes into a deep recession and corrects by 20%.

[Anonymous No.52532751]

>>52532730
We're not talking about the stock market, we're talking about buying TIPS, like on TreasuryDirect.

[Anonymous No.52532766]

>>52525289
>Thinking of dumping income into stocks
You should have already started mate, your exit of the rat race would accelerate over time due to compound interest and job income + rising stocks income

[Anonymous No.52532784]

You can make ~150k. What I use cuz I’m lazy: https://lite.instadapp.io/

[Anonymous No.52532787]

>>52522099
Its basically free money holy shit.
>>52522071
wtf did a doctor steal your gf bro? t/dr chad

[Anonymous No.52532795]

>>52532784
150k per year I mean. It’s late here.

[Anonymous No.52533278]

>CDs and t-bonds
OP needs to look at muni bonds and calculate the yield equivalency.

[Anonymous No.52533621]

>>52532690
TIPS will hold a real yield better if inflation expectation goes up, if it goes down then 1yr would be better
historically inflation comes in waves so it is more likely to see inflation drop for a period after peaking out, before coming back again later. In either case, TIPS or otherwise, it is likely to be a bumpy ride. It's just that since TIPS are longer duration (minimum 5 year), they will be more volatile and potentially more risky than a 1yr if you decided to liquidate them before maturity.

[Anonymous No.52533656]

>>52522071
yes you should be looking at a purely fixed income portfolio of government bonds or highly rated corpos

[Anonymous No.52533671]

>>52524074

Diversifying is a good thing; metals, utilities, real estate, retail, tech, foreign, etc. But you also realize, depending upon the individual stock selections, you can achieve that level of diversity within the market.

My personal rule is no employees, no inventory. Too much work and problems.

I do it all with just growing money.

[Anonymous No.52533691]

>>52527810
they dont
typically top comments around him are that he's good at explaining to dumb people how to get out of debt, but has very little good investing advice

[Anonymous No.52533935]

>>52533621
>TIPS are longer duration
well don't buy brand new ones then

[Anonymous No.52533972]

>>52533671
assume this is vanguard?

[Anonymous No.52534016]

>>52522071
yes, buy some dividend aristocrat - for example 3M

[Anonymous No.52534163]

>>52533972

actually this account is all loaded into TD Ameritrade.

I use Vanguard also, but TD Ameritrade is easier to navigate and offers excellent support and education on all matters of investing and trading.

just my style.

[Anonymous No.52534217]

>>52522099
Imagine putting millions of dollars onto sketchy exchanges to buy shitcoins. Just imagine.

[Anonymous No.52534252]

>>52525289
not a bad spread

[Anonymous No.52534278]

>>52533691
>sell your car
>top tier advice
ramsey is a fag

[Anonymous No.52534376]

>>52533671
nice mix. pretty complex but i feel like you put alot of thought into it.

i'd like your opinion on the "international" mix. i'd argue most everything is considered international given the rise of globalization. plenty of US companies have international exposure. i feel like those funds are simply ex-US companies for the stake of supposed diversity.

[Anonymous No.52534588]

>>52522071
With a good trading strategy, you can easily make 10% (300k) monthly with such an amount. This money is huge enough for me to earn passively from and then have more fun time with my family to stream board games on GameStar+.

[Anonymous No.52534630]

>>52522099
AVAX is going to cum on people's faces soon. Many are underrating it despite seeing top IPs like Marvel, Disney, and Family Feud building on them. I'm slurping up AVAX as if my life depends on it.

[Anonymous No.52534950]

>>52534588
>you can easily make 10% monthly
>easily
lmao fuck off

[Anonymous No.52535470]

>>52522071
It's not retarded to invest $3m at this time.Privacy assets have had some good gains recenlty, may be a good industry to check with

[Anonymous No.52535527]

>>52522071
$10k a month is hard because you would have to buy shit stocks with high dividend yields, but getting 3% a year in dividends or $7.5k a month is relatively easy. Combine a few huge oil stocks with a few blue chips like JNJ, P&G, MCD, etc and you could easily get the average to 3%

[Anonymous No.52535910]

>>52522071
lol what 3rd world shit hole are you living in where docs are making 120k? My base salary is 470k and ends up being about 570k with bonuses, and I'm not even in some competitive surgical subspecialty. Nurses midlevels make more than 120k, the fucking "project managers" who do nothing all day make more than that

But yes with 3 million you historically can make 10k a month in passive income

[Anonymous No.52536694]

>>52535910
Only in the Usa you will see these numbers

[Anonymous No.52537748]

>>52535910
This has to be a joke.

[Anonymous No.52537790]

>>52522071
for me it's fisherman's friend

[Anonymous No.52537807]

>>52522399
Now do after inflation and taxes

[Anonymous No.52537831]

>>52523334
I just hold vtsax. I find holding anything else, other than bonds to be a waste, since the market is already globalized and for the time being American centric already.

[Anonymous No.52538180]

>>52522399
$10k a month is $120k a year that is not 1% of 1m you retard.

[Anonymous No.52538194]

>>52522099
it will work for 3 months and then the whole thing collapses

[Anonymous No.52538705]

>>52535527
And all it would cost him is massive loss to his principle as the market continues to experience seizures on the brink of a recession.

[Anonymous No.52539202]

>>52522071
Buy some web3 assets, normie

[Anonymous No.52539545]

Can someone dumb this down for me. I don't get it but this seems like a good thread.

Why would I want 10k/month if I already have 3 mil?

[Anonymous No.52539592]

>>52534376


As I review the actual holdings within the international funds - they are invested in overseas companies that are clearly headquartered outside of the USA.

That said, I agree 100% that many US based corporations have global reach; nike, apple, microsoft, coke, ford...

[Anonymous No.52539837]

>>52539545

keep the 3M and "earn" 10K per month (120K per year).

If you apply yourself, you can grow the 3M to 4M or beyond - plus keep "earning.".

Thank me later.

[Anonymous No.52539876]

>>52539202
Based anon, web3 is the future of crypto and I have eyes on a few platforms in the sector like Sylo for decentralised communication and Arweave for decentralized storage

[Anonymous No.52539945]

>>52534630
>top IPs like Marvel, Disney, and Family Feud building on them
None of these are building on AVAX.

[Anonymous No.52539951]

>>52532496
>JP Morgan ETF is a shitcoin
>Charles Schwab Dividend ETF is a shitcoin

Stay retarded biz

[Anonymous No.52540004]

>>52539837
I've been swing trading shares. Namely uranium for $100 profit per swing.

But putting a large sum into etf or index funds, seems simpler.
My only etf is VTI

[Anonymous No.52541508]

>>52522071
>Buy 7500 shares of SPY.
>Sell CCs with roughly .20 delta at 45DTE
>Profit a wagie's yearly salary in one month, every month of the year.
>Use some profits to hedge with deep OTM LEAPS Puts at .20 delta in case of negative black swans.
>Use spare some profits for deep OTM LEAPS Calls, roughly .20, for positive black swans.
>Literally profit from every market situation.

[Anonymous No.52541757]

So what im able to take from this thread is to pretty much use a good index fund as my "bank account "

Right?

[Anonymous No.52541921]

Redpill me on triple leveraged etfs like UPRO bros
Why shouldn’t I all in on it

[Anonymous No.52542898]

>>52534630
Huge ecosystem i must say, with AllianceBlock catching my attention alongside Trader Joe of recent.

[Anonymous No.52543020]

Yes easily. Its easy to find some pretty safe bonds and money market funds that pay close to 5% per annum. That is $150k a year on a 3M investment. Thats more than 10k per month.

Honestly fixed income is the most lucrative market out there right now. Everything else is still in a bubble.

[Anonymous No.52543595]

>>52543020
>Its easy to find some pretty safe bonds and money market funds that pay close to 5% per annum

There are a number of decentralized yield farming opportunities that can would offer you this, it's worth giving a look since it's noncustodial as opposed to CeFi opportunities. You can as well leverage on SpoolFi to help diversify across multiple yield farming protocols.

[Anonymous No.52543613]

50% VTI
50% SCHD

is this correct?