Jivaro’s Harry Negron Public Investment Portfolio
Maximizing Monthly Income Through Strategic Choices
For years, the core of our investment strategy has centered on generating consistent monthly income, particularly by combining high-yield dividends with stocks and ETFs that demonstrate strong growth potential. Although this may seem like a delicate balancing act, maintaining both high-dividend and growth-oriented positions creates a safety net, where gains in one segment can offset any volatility or downturns in the other. Our goal in sharing this approach is twofold: to offer valuable insights and showcase the knowledge we have built over time. It is important to recognize, however, that this is not a universal formula—every investing journey is unique, shaped by individual financial situations, risk tolerance, and objectives. While you can certainly draw inspiration from our perspective, we encourage you to adapt these ideas as a foundation for your own, personalized path to investing success.
Assets
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ARCC - Ares Capital
Organized as a business development company (BDC), Ares Capital provides financing solutions to middle-market companies. Its diversified debt and equity investments aim to generate income and capital appreciation, appealing to those interested in higher-yield alternatives.
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DIA - SPDR Dow Jones Industrial Average ETF
DIA tracks the Dow Jones Industrial Average, consisting of 30 large-cap “blue-chip” U.S. stocks. It’s a long-standing measure of the broader market’s performance, often sought by investors favoring established, dividend-paying companies with recognizable brands.
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EARN - Ellington Residential Mortgage REIT
Traded as Ellington Residential Mortgage REIT (EARN), this fund invests primarily in residential mortgage-backed securities (RMBS). By focusing on a diversified portfolio of agency and non-agency mortgages, it aims to capture both stable income and potential price appreciation in the real estate debt market.
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EFC - Ellington Financial Inc.
Ellington Financial is a specialty finance company primarily investing in residential and commercial mortgage-backed securities, consumer loans, and other credit assets. Its strategy seeks to leverage data-driven analytics to capitalize on both agency and non-agency mortgage opportunities.
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IBM - International Business Machines Corporation
A technology pioneer, IBM (International Business Machines) has evolved from traditional hardware and IT services into a major player in hybrid cloud and AI-driven solutions. Its global footprint and extensive patent portfolio reflect ongoing efforts to modernize business processes for large enterprise clients.
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MSFT - Microsoft Corporation
A global technology leader, Microsoft spans cloud computing (Azure), enterprise software (Office 365), gaming (Xbox), and more. Its strong cash flow and ongoing innovation in AI, cloud, and productivity tools underpin its position as one of the world’s most valuable companies.
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O - Realty Income Corporation
Realty Income is a real estate investment trust (REIT) celebrated for its monthly dividend payments—a rarity among dividend payers. It owns and manages a broad portfolio of commercial real estate properties under long-term lease agreements, offering consistent income and stability.
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OBDC - Blue Owl Capital Corporation
Formerly known as Owl Rock Capital Corp., Blue Owl Capital Corporation is a BDC focusing on direct lending to U.S. middle-market businesses. It aims to deliver stable dividends by investing in a diversified portfolio of senior secured loans, mezzanine loans, and equity.
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SCHD - Schwab US Dividend Equity ETF
SCHD tracks high-dividend-yielding U.S. stocks, with a focus on quality and sustainability of dividends. It applies fundamental screens—such as strong cash flow and consistent payouts—to select its constituents, aiming for stable long-term total returns.
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SPY - SPDR S&P 500 ETF
Often viewed as the benchmark for the U.S. equity market, SPY tracks the S&P 500. It provides exposure to 500 of the largest U.S. companies, making it a core holding for many seeking broad market returns.
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SPYD - SPDR Portfolio S&P 500 High Dividend ETF
SPYD concentrates on the high-dividend-paying stocks from the S&P 500. It’s designed for investors seeking both equity exposure to large U.S. companies and reliable income through above-average dividend yields.
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QQQ - Invesco Trust
QQQ tracks the Nasdaq-100, focusing on 100 of the largest U.S. and international non-financial companies listed on the Nasdaq exchange—primarily tech and growth-oriented names. Its heavy tilt toward cutting-edge technology leaders has made it a go-to ETF for investors seeking exposure to fast-growing digital and consumer tech innovators.
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QTUM - Defiance Quantum ETF
The Defiance Quantum ETF targets innovative companies at the intersection of quantum computing, machine learning, and AI. By focusing on disruptive tech trends, QTUM offers exposure to fast-evolving sectors expected to shape the future of computing and data analysis.
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VYM - Vanguard High Dividend Yield ETF
VYM invests in large-cap U.S. companies with above-average dividend yields. Vanguard’s broad-based, low-cost approach makes it a popular choice for investors who want diversified income from established dividend payers.
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DLR - Digital Realty Trust
Digital Realty Trust is a data center REIT providing colocation, interconnection, and cloud infrastructure solutions to enterprises worldwide. As demand for secure, high-performance data infrastructure grows, DLR’s global footprint positions it to benefit from the continued expansion of cloud and digital services.
Understanding Our Investment Choices
We allocate 50% of our portfolio to high-dividend picks, 30% to mid-dividend holdings, and 20% to high-growth, dividend-paying funds to strike the perfect balance between robust monthly income and long-term upside. Our strategy captures attractive yields while diversifying risk across different market segments. Through data analysis, we found this allocation optimizes both stability and capital appreciation over time. To further enhance returns, we invest on a specific day each month—a day we identified using machine learning on 20 years of stock data as being the lowest average price, thereby guaranteeing even more yearly gains than the average 10%. If you want to know which day we deploy our capital, join our exclusive Discord server and look for the pinned message in the #signals channel, as we aim to keep this off public searches.
Asset Allocation Breakdown
Tools & Resources
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Robinhood
Robinhood transformed stock trading with commission-free trades on its easy-to-use app, ideal for beginners. Users can trade stocks, options, and cryptocurrencies, and Robinhood Gold offers professional research and after-hours trading.
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Charles Schwab
Charles Schwab, a major brokerage, offers stock trading, financial planning, trading platforms, research tools, and 24/7 support. With no minimum account sizes and competitive fees, it attracts both beginners and experienced investors.
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GroundFloor
Groundfloor offers a unique way to invest in real estate loans, starting with just $10. This allows for diversified investments in various properties, providing short-term, high-yield returns and making real estate accessible to many.
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Fundrise
Fundrise allows users to invest in diversified real estate portfolios starting at $10, offering access to commercial, residential, and mixed-use properties for potential growth and income without direct management.
FAQs
Do we diversify across other asset classes besides stocks and ETFs?
Yes. While our primary focus remains on equities and exchange-traded funds, we plan to expand into real estate investments in the future. This broader portfolio diversification aims to create additional cash flow streams and stabilize returns amidst market shifts.
What is our strategy regarding international stocks or markets outside the U.S.?
We see value in global diversification but remain mindful of tax implications and regulatory differences. Our approach involves selective research into markets where growth prospects, currency considerations, and tax efficiency align with our long-term goals.
Which day do we invest each month, and why is it significant?
We use a machine learning model trained on two decades of market data to pinpoint the historically optimal day each month to deploy capital. This data-driven approach aims to capture lower average share prices and boost overall returns.
Which resources or tools do we recommend for newcomers to investing?
We encourage exploring both reputable online platforms and well-regarded financial publications. Resources like Investopedia offer solid foundations, while professional tools such as Bloomberg, Seeking Alpha, or advanced broker research portals help refine investment strategy and analysis.
How do we stay updated on market trends and make informed investment decisions?
We rely on data-driven research, monitoring government policies, industry developments, and global economic indicators. By combining news analytics, corporate filings, and professional research reports, we stay ahead of potential market shifts and refine our decisions continuously.
How do we blend growth, dividends, and monthly cash flow in our strategy?
Our asset allocation dedicates 50% to high-dividend picks, 30% to mid-dividend assets, and 20% to high-growth, dividend-paying funds. This setup targets robust monthly income while preserving room for capital appreciation through growth stocks and cutting-edge sectors.
How do we mitigate risks, especially with high-yield dividend stocks?
We balance higher-yield positions with holdings that show strong growth potential or stable earnings. This risk management approach ensures one segment’s robust performance can offset potential volatility in another, safeguarding the overall portfolio.
Have we ever faced significant losses, and how did we handle them?
Yes. Market downturns are inevitable, and we address them by focusing on our long-term financial goals, avoiding impulsive sell-offs, and sometimes buying undervalued assets. This disciplined mindset helps us navigate setbacks while positioning for recovery.
Do we offer personalized investment consultations or portfolio reviews?
While we share our portfolio insights publicly, we also offer a Discord community where we discuss strategies in more detail. We encourage members to ask questions specific to their financial goals, although we always recommend consulting a licensed professional for personalized advice.
Get in Touch
We believe investing goes beyond mere numbers; it shapes the futures, stories, and aspirations that define us. Our commitment to sharing our portfolio transparently underscores the value of informed decision-making in today’s dynamic financial environment. With uncertain shifts in social systems and the rising cost of living, building a well-informed strategy has never been more critical. We encourage you to dive deep, grasp the complexities, and craft a portfolio aligned with your unique objectives. Whether you’re new to investing or a seasoned market participant, we value your experiences and insights—so feel free to join the conversation or explore other sections of this site. Together, we can learn, invest, and secure a meaningful future.