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/biz/ - Business & Finance

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56643649 No.56643649 [Reply] [Original]

A 80/20 allocation to SCHD/JEPI would give 4.9% yield right now.

At a $2.5M portfolio, that would be a yearly passive cashflow of 122K. That 2.5M can be put in a LLC, and employ you as a salaried person. That would also help you to get any loan, if required.

2.5M rightly invested, is still a good lower base for making it ?

>> No.56643659

>>56643649
>forgetting to pay taxes
try again

>> No.56643725

>>56643659
he'll have 100-108k after tax. yes you made it if you can earn that passively

>> No.56643787

>>56643659
OK. With 3.2M post-tax, will net yearly a post-tax 100K, even in insanely expensive state like Cali.

>> No.56644185
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56644185

>>56643649
as someone invested in JEPI I'm not sure I like it. Seems like the dividend is bleeding capital value like a shitty REIT would. S&P is within spitting distance of ATHs while JEPI pisses and shits itself near the lows. And the yields have been shit this year as well.

>> No.56644296

>>56643787
I did a thought experiment yesterday on what my makeit amount would be and I settled on 3M liquid investments + enough for real estate as my baseline, without doing the actual math. Interesting that my intuition lines up with the math.

>> No.56644437

>>56643649
Can you really just start an LLC and “pay yourself” and qualify for loans? Like if I put my 2.5 million into an etrade account under an LLC and pay myself from the gains under the LLC name even though I own the LLC the bank will let me take the loan out?

>> No.56644605

>>56644437
yes, but the pay needs to be consistent like a payroll to qualify for good goy status

>> No.56646427

>>56643649

S-corp, not an LLC. The S-corp will allow you to take a reasonable salary and then take the rest as a distribution that is not subject to social security or medicare

>> No.56647132

>>56646427
Yes S-Corp it is.

>> No.56647239

>>56644185
lol try JEPY for more excitement

>> No.56647282
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56647282

>>56643649
I've got 2.1 in my folio outside of my current retirement funds. I need guaranteed returns, not stonks based. I currently have no debt, and haven't purchased any real estate (I've got a crazy good rent situation thats 75% below market) What would /biz/ advise?

Invest me /biz/

>> No.56647352

>>56647282
RE portfolio management is not my cup of tea. I’d depend on Divi aristocrats / SCHD etc. JEPI, the riskier one, is just a 20% allocation to get the net yield higher. SCHD will take care of the capital protection and divi growth part. /DIG/