Aug Income: $19,185.66 YTD: $154,988.52 My portfolio is now 3 yrs old and doing exactly what I wanted to do during my retirement. Total return now at over 84% or $945,000 as I continue to withdraw monthly. I did reduce some more risk to my portfolio by selling 30% of my $HHIS position. The funds were directed into $ZWT as I’m still building out this position. I will always look for opportunities to do again in the future. Posts: Our borrow to investment program 2.0 2K followers I sold 30% of my HHIS position 3yr Portfolio anniversary Buys: $ZWT $UTIL $HEQL $IDVO Sell: $HHIS I am currently maintaining a steady monthly income around 19K which is more than twice my needs. Income is not my flex but total return which is the golden standard for all investors. All my retirement updates will be tagged to the new “retirement “ option. Screen shots: Monthly dividends and YTD Market value Total return Top 10 total return Stay engaged and stay invested 💹 Always do your own research 🧐 and analysis 📊
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28 Comments
yield @yield · 21dEdited
Great explanation for someone like us who was thinking about FIRE Sooner. I still have 25+ years to go for retirement. Me and my wife wanna be financially independent when we hit 100,000$/year household income. Now at 70k. Planned in 2 years from now. So we could reinvest at least 50% of the distributions received and the rest we could use it for living expenses. Ofcourse we will do some sort of freelance work after FIRE. But don’t wanna be working for pay check to pay check. What’s your taught on this.
Catherine @ffcatherine · 21d
Very impressive! With over 19k a month income how much do you usually withdraw for your own enjoyment & reinvest the rest back in Love your thought process lowering yield & still growing & having more than enough income CONGRATULATIONS
Golden Pancake@free2068 · 21d
Three years in, what an incredible milestone! Congratulations on building a portfolio that not only covers your needs but continues to grow. An 84%+ total return while making monthly withdrawals is truly impressive, and it reflects the discipline, patience, and thoughtful risk management you’ve brought to every decision. You’ve clearly stayed focused, adapted carefully when needed, and built something that works for you. You should feel genuinely proud of what you’ve accomplished.
Paul N@pauln · 19d
I’m with you on this, however holding on to my 8000 shares of HHIS, but reinvesting all my various monthly accumulated dividends into the 10% distribution all in ones. Or my favourite Brompton split share funds (which have been killing it for several years now) or down sector ETFs. I think for those starting out, it’s better to reinvest until you have accumulated enough dividends per month to start targeting like this if you have a high trading fee. If there are no fees then you could do that on less. All my best total returns (including HHIS) come from targeting down sectors that are down because of politics or a temporary distress that really is easily identifiable. You hear them in daily headlines. Healthcare was a good example of that. I want to be ready for the next recession by being mostly in ETFs with a decent yield and can weather the drops and bounce back. I feel the too high yield and single company themed ones with leverage will be vulnerable in a sustained downturn.
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