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Jivaro’s CEO Public Investment Portfolio

Maximizing Monthly Income Through Strategic Choices

For years, we’ve focused on generating reliable monthly income by blending high-yield dividend assets—such as mortgage REITs, BDCs, and select REITs—with growth-oriented stocks and ETFs. This approach may look like a balancing act, but it forms a robust safety net: when high-yield segments face market headwinds, gains in our growth positions can help smooth out potential volatility. By sharing our portfolio’s strategy and performance, we aim to offer transparent insights grounded in real-world practice. However, it’s vital to remember that every investor’s journey is different, influenced by personal risk tolerance, financial goals, and changing market conditions. We encourage you to draw inspiration from our methods while tailoring them to your own unique path toward sustainable income and long-term success.

Portfolio

Assets

  • ABBV

    AbbVie focuses on immunology, oncology, and related drugs. Its steady dividend policy attracts income-minded investors.

  • ARCC

    Ares Capital is a BDC financing middle-market firms. Its diversified debt and equity aim for steady income and potential growth.

  • AVGO

    Broadcom supplies semiconductors and enterprise software, backed by major acquisitions. Its consistent cash flow supports robust dividends.

  • DIA

    DIA tracks 30 blue-chip stocks in the Dow. It appeals to investors favoring established names and consistent dividends.

  • DLR

    Digital Realty Trust is a data center REIT serving global cloud needs. Growing digital demand underpins its future potential.

  • EARN

    EARN invests in residential mortgage-backed securities—agency and non-agency. It aims for stable income and possible price gains.

  • EFC

    Ellington Financial invests in mortgage-backed securities and other credit assets. Data-driven analytics seek reliable income and growth.

  • IBM

    IBM transitioned from hardware to cloud and AI. Its large patent portfolio and enterprise focus maintain its global tech presence.

  • JPM

    JPMorgan Chase, a top global bank, provides consumer and investment services. Strong profitability and steady dividends define its stature.

  • MSFT

    Microsoft spans cloud (Azure), enterprise software (Office), and gaming (Xbox). Its innovation and cash flow uphold a top tech status.

  • O

    Realty Income is a REIT famous for monthly dividends. It leases commercial properties on long-term deals, targeting stable cash flow.

  • OBDC

    Blue Owl Capital Corporation lends to U.S. middle-market firms. It seeks consistent dividends through senior secured loans and equity holdings.

  • PEP

    PepsiCo offers beverages and snacks under brands like Pepsi and Frito-Lay. Its strong global reach supports steady dividend payouts.

  • QTUM

    QTUM invests in quantum computing, AI, and machine learning. It targets innovative tech shaping next-generation data and computing.

  • SCHD

    Schwab US Dividend Equity ETF filters dividend-rich U.S. stocks via quality screens. It aims for steady payouts and solid returns.

  • SPY

    SPY mirrors the S&P 500, capturing leading U.S. companies. Widely used by those seeking broad market exposure.

  • SPYD

    SPYD targets high-dividend S&P 500 stocks. Investors can tap large-cap equity exposure plus above-average dividend yields.

  • TROW

    T. Rowe Price offers asset management and retirement services. Known for consistent performance and a history of dividend growth.

  • VYM

    VYM invests in large-cap U.S. stocks with higher yields. Vanguard’s broad approach suits dividend-focused long-term investors.

  • VZ

    Verizon is a leading telecom in wireless, broadband, and 5G. Reliable dividends make it attractive to income-oriented investors.

Understanding Our Investment Choices

We allocate 10% of our portfolio to bonds, seeking dependable cash flow, market-crash protection, and tax advantages. Another 5% goes to Groundfloor for higher returns than bonds while still offering a defensive buffer, and 5% is dedicated to Fundrise for retirement-focused growth. Our remaining 80% invests in dividend-paying stocks: 40% in high-dividend picks for steady income, 25% in mid-dividend holdings for moderate yields, and 15% in high-growth opportunities for additional upside. All of these positions pay dividends to ensure consistent cash flow.

To further maximize returns, we fund our portfolio on a specific day each month—a timing we identified using machine learning on two decades of historical price data—allowing us to capture incremental gains above the usual market average. If you’d like to know the exact day we deploy capital, join our private Discord and check the pinned message in the #signals channel, where we share insights and strategies away from the public eye.

Asset Allocation Breakdown

Tools & Resources

  • Green feather logo on dark background

    Robinhood

    Robinhood is a mobile-first brokerage platform offering commission-free trading in stocks, ETFs, options, and cryptocurrencies. Its intuitive app, streamlined user experience, accessible trading tools, and premium services like Robinhood Gold attract beginner investors seeking simplicity and ease when entering financial markets.

  • Charles Schwab logo on blue background.

    Fidelity Investments

    Fidelity Investments is a prominent financial services company providing brokerage services, retirement planning, mutual funds, ETFs, and wealth management. Known for robust research tools, extensive educational resources, and low-cost trading, Fidelity caters to both new and seasoned investors, offering advanced platforms and personalized advisory solutions to support long-term financial goals.

  • Black letter G inside a blue stylized arrow logo

    GroundFloor

    Groundfloor is an innovative platform enabling users to invest directly in short-term, high-yield real estate loans starting at just $10. This accessible model allows investors to diversify into property-backed debt investments, offering a straightforward alternative to traditional real estate investing.

  • Stylized white buildings icon on orange background

    Fundrise

    Fundrise provides individuals with simple access to diversified real estate investments starting at just $10. Through its user-friendly platform, investors can participate passively in residential and commercial real estate portfolios, benefiting from potential income, appreciation, and simplified asset 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.