In 2023, I started my cc ETFs investment journey with $hyld in my TFSA. With the confidence from early results, I took the plunge by converting my RRSP and LIRA from $VTI$QQQ into cc ETFs. I also finished my retirement cashflow roadmap to age 95 in my pinned post. With these in place, we started a new life in Japan in 2025. This reveal was inspired by @adrian_pii interview with Advisor Analyst. The transparency from him and @perryf gave me the confidence on PII. Today, I pay it forward. I want to help the guys sitting on the fence. Life is too short for analysis paralysis. Just don't tell my wife. My selections are mostly "Anchors" with a splash of boosters for fun. Total return is the theoretical maximum from an investment. I optimize cashflow over unrealized paper gains. Negative NAVs are unavoidable. I aim for at least flat NAV on the portfolio level. In Snowball, "income account" portfolio includes RRIF, LIF, joint Margin, sandbox Margin and my TFSA. We pull out $20K/month pre-tax (25% non-resident). The TFSA has a $5500/month standby cashflow on DRIP. The strategy has over delivered. I had to convert my wife's TFSA back to growth because of tax implications in Japan. This strategy is not fool proof. I need to monitor closely. If this blows up, I am fortunate to have a buffer portfolio. I promise to do Ben's 2.7% as plan B 😉. The Blossom peanut gallery is waiting with bated breath. $HHIS$QDAY$BANK$QQQY$HYLD$HDIV$BIGY$SDAY$ECHI$HHIC
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46 Comments
Kyle T@kyletfreedom58 · 2mo
But what about the capped upside!! 🤣🤣🤣🤣🤣
Mr Financial@mr.financial · 2mo
I don't know why I'm tagged in a random comment by you @edsam You have shared the least relevant data... As I said last time and the time before, this is a circular conversation. Important data missing... Total portfolio value in 2023. Total portfolio value today. Total invested amount and total withdrawals along the way and holding weights. Like I mentioned the other day in reply to your comment.... Vti is up over 100% since 2023... And qqq is over 170%. You could have withdrawn every dollar every year for QQQ and your "yield" would have been 21-55% ... Or vti 17-26%... And your portfolio would be the exact same some 😁 Have a good one Ed
Michael Conroy@conroy119 · 2mo
Haha tagged in a comment. Its only analysis paralysis if you aren't intellectually capable of performing the analysis. Its not obvious at first, but after enough due diligence the answer is quite obvious, objective and unanimous. Except for on this app or a subset of youtube.
onmargin @onmargin · 2mo
You have shown us a living example of CC ETFs in action that continues to work for the last three years. There is no need for plan B.
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