Jivaro’s Harry Negron Public Investment Portfolio
Maximizing Monthly Income Through Strategic Choices
For years, the core of my investment strategy has been generating consistent monthly income, especially through high-yield dividends combined with stocks and ETFs showing strong growth potential. While this might sound like a balancing act, the dual focus has acted as a safety net, allowing the growth stocks and ETFs to compensate for any volatility or downturns from the high-yield section. My aim in sharing this is twofold: I want you to gain insights and possibly benefit from the knowledge I've amassed over the years. However, it's crucial to remember that this is not a one-size-fits-all guide. Every investment journey is deeply personal, influenced by individual financial situations, risk tolerance, and goals. While you can certainly draw inspiration from my approach, I encourage you to use this as a springboard for your unique investing path.
Current Portfolio Performance
My current portfolio value is around $1.1 million, and I’m averaging $6,400 a month in dividends. I reinvest most of these dividends to fuel further growth, while using the remainder to cover my bills. This strategy ensures that my investments continue to compound and grow over time, securing a stable financial future.
Assets
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SPY - SPDR S&P 500 ETF
Often seen as the benchmark for U.S stocks, SPY tracks the S&P 500, offering broad exposure to large-cap U.S. stocks. It's a staple in many portfolios due to its stability and consistent performance.
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DIA - SPDR Dow Jones Industrial Average ETF
Representing the Dow Jones Industrial Average, DIA gives exposure to 30 blue-chip U.S. stocks. It's a go-to for those looking for established companies with a proven track record.
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QTUM - Defiance Quantum ETF
Leveraging machine learning, QTUM emphasizes momentum in tech-focused stocks. It's a blend of modern stock-picking strategies with the power of AI.
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BBH - VanEck Vectors Biotech ETF
An ETF focusing on the biotech industry, BBH encapsulates innovation in healthcare, from groundbreaking treatments to futuristic biotechnologies.
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IRBO - iShares Robotics and Artificial Intelligence ETF
As an ETF for robotics, automation, and artificial intelligence, IRBO bets on the future of automation and the industries that will lead this revolution.
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MSFT - Microsoft Corporation
A titan in the tech industry, Microsoft's diversified business, from cloud computing to software and hardware, makes it a resilient choice. It has gained significant value in recent years.
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INTC - Intel Corporation
A pioneer in semiconductor manufacturing, Intel remains at the forefront of the tech world, driving innovation in the chipset space. Pays a generous dividend for a technology company.
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O - Realty Income Corporation
Known as Realty Income, this REIT is unique due to its monthly dividend payout system. Its vast array of commercial properties makes it a reliable pick for consistent returns.
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EFC - Ellington Financial Inc.
This financial services company specializes in mortgage-backed securities, offering a distinctive investment avenue different from typical stocks and bonds.
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EARN - Ellington Residential Mortgage REIT
Ellington Residential Mortgage REIT (EARN) specializes in residential mortgages. Boasting a varied mortgage collection, EARN offers a unique viewpoint for real estate investment opportunities.
Understanding My Investment Choices
Diversification is key in any investment journey. The chart here showcases the careful distribution of my assets across various stocks and ETFs. By maintaining a mix of high-yield dividend stocks, tech giants, and broad market ETFs, I aim to strike a balance between growth and consistent income. This breakdown provides an inside look at how I diversify to both mitigate risks and harness the potential of different market segments.
Asset Allocation Breakdown
Investment Strategy and Goals
Investment Mantras
Looking Ahead: The Bigger Picture
Retirement Goals
Investing is more than just a hobby for me. It's a mission to secure my future. By the time I hit 45, my aim is to generate $10,000 in monthly income. But the dream doesn't stop there; I hope to take the next leap into real estate investments, diversifying beyond just stocks.
Economic Forecast
With current trends hinting at potentially soaring living costs for retirees and the uncertainty surrounding social safety nets like social security, it's imperative to plan ahead. Investing diligently now ensures we're not caught off guard during our later years.
Why It Matters
Financial stability in retirement isn't just a dream, it's a necessity. With proper investing, we can ensure that our sunset years are spent in comfort, not in worry.
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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E*TRADE
E*TRADE offers a wide range of investments and advanced trading platforms, from stocks and bonds to futures and forex. Its educational resources and sophisticated tools attract diverse investment strategies.
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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 you diversify across other asset classes besides stocks and ETFs?
While the main focus of my portfolio is on stocks and ETFs, I have a strategic vision to diversify into real estate properties in the future, which will be funded by my investment income.
Are there any resources or tools you'd recommend for someone new to investing?
Absolutely! There are numerous online platforms and books that provide valuable insights. Personally, I started with basics like Investopedia and branched out from there. My website is also a great resource!
Where do you get the income to invest in the stock market?
Before I tell you, you should know that you can invest in the market with pocket change. From that one starbucks coffee you didn’t buy this month to whatever is left from your paycheck. With this said, I mostly rely on side hustling. You can learn more about it here.
How do you mitigate risks, especially with high-yield dividend stocks?
I balance out the high-yield dividend stocks with high growth potential assets. This balance provides a protective buffer, ensuring that growth from one segment can offset potential dips in the other.
What's your strategy regarding international stocks or assets outside the U.S?
Diversifying geographically can provide potential for growth but the taxes can be a burden to your portfolio. I would only recommend international stocks to day traders and the lot.
How do you stay updated on market trends and make informed investment decisions?
I spend a significant amount of time researching, government decisions, and reading news about the sectors I invest in. Additionally, I always keep an eye on global events, as they can influence market directions.
Have you ever faced significant losses? How did you handle them?
Every investor faces challenges. I've had my share of downturns. During such times, I remind myself of my long-term goals, avoid panic-selling, and sometimes even capitalize on buying opportunities during market lows. Since I avoid selling my investments, the portfolio always recovers.
Get in Touch
Investing isn't just about numbers; it's about the stories, the futures, and the dreams they represent. My goal in sharing my portfolio transparently is to emphasize the importance of informed decision-making in the world of finance. With the unpredictable nature of the future, especially with potential changes to key social systems and living costs, it's more crucial than ever to make informed investment choices. So, I encourage everyone to dive deep, understand the intricacies, and create a portfolio that's truly tailored to their dreams.
Your investment journey is as unique as you are. Whether you're just starting out or have tales of the tides you've weathered, I'd love to hear your story. Drop a comment, share your wisdom, or if you're looking for more insights, don't hesitate to explore other sections of this site. Together, let's learn, invest, and secure our futures!