Investing $10k Into JEPI 💰
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- เผยแพร่เมื่อ 2 ธ.ค. 2022
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The ideas and opinions presented in this video are meant for informational and entertainment purposes only, are not intended to serve as a recommendation to buy or sell any security in any account, and are not an offer or sale of a security. They are also not research reports and are not intended to serve as the basis for any investment decision.
Yes love jepi with 1200 income monthly
Dang that's awesome! How many shares do you have?
@@rynewilliams how you doing brother, i have around 2025 shares, also i have divo, jepq and schd. I will retire with this 4 ETFs in around 3 years
Dang that’s crazy! Good for you my friend
@@rynewilliams yes i have been investing for 13 years, i started with dividend growth with Microsoft, apple , PG, Pep, So, duk all the classic. Then y realized having a family know how time is so important, so i sold all my positions before the drop lucky me, and bought DIVO 25%, SCHD 25%, Jepi 30% and Jepq 20%. And my income tripled. And also the time i can retire subtracted 7 years. I am so glad i did, very difficult decisions, but worth it
@Ryne Williams wait is your video not wrong? It says Jepi pays $6.50 per dividend monthly not 0.65
Yes! I add one more share every week!
Nice!
This is a great volatility reducer and income generator for a portfolio. Excellent holdings in the fund as well.
Yea I agree man…I’m going to put out a full video on JEPI this weekend. I really like this fund
Covered call etf will ONLYwork if you reinvest dividends. There is no way around the math.
Yes I own JEPI, thanks!!
Nice, thank YOU!
Love JEPI. Only have about 8k in it for now but will add.
That's a really nice JEPI position
Why not Schd now and then JEPI later on?
@@ryants1I buy a little Jepi and a little SCHD every day
Adding to my portfolio little by little
❤ JEPI and JEPQ
Sounds like a great etf to buy and put in my Roth
Absolutely! The Roth would be a great place for it too
this is the way, focus on your income and COMPOUND FOREVER
JEPI and JEPQ have been welcome additions to my portfolio! But certainly just a small part of my overall portfolio.
Love it man!
Yes I think I will add It to my portfolio
Nice!
JEPI is my largest holding!
Nice! I bet you're really bringing in the dividends with JEPI
At over $7K in JEPIX mutual fund, im getting $45-$50 a month in dividends. How much will i need to make $1500 a month in dividends ?
I have JEPI and JEPQ
Very nice!
I been thinking about adding this to my roth.. Taxable account wouldn't make to much sense right because of the tax drag ?
Yea it'd be better in a Roth
Hell yeah!
You have some JEPI??
@@rynewilliams yes sir, picked it up in January and just accumulated all year long, as well as DRIP it. I moved out of “most” of my growth stocks and most of my portfolio is now in this and similar stocks.
JEPI and JEPQ are in my portfolio 😃
Nice Ivan!
Ditto. 😎. ChaChing
I bought in a couple years ago and I’m glad I did
Right on!
id do more jepi if i didnt have a plan i wanted to stick to. 4 etfs, money added every week to each with one getting slightly more than the other 3 getting the same. jepis a part of that 3 getting the same. doesnt quite get enough for a full share, but close enough.
I get you...good that you have a plan you're staying disciplined with though
I'm 63 YO and will retire April 2024. Currently making 5.3% with my Vanguard money market. That's 5.3% with virtually no risk. If the market crashes hard or my percentage earned drops below 4%, I will then jump into some stocks.
Is the money market totally safe? It's still a fund, could go down in value. Thoughts?
Interested in knowing if you have 100 precent in the money market account now that you're about to retire? I'm 35 and fully in stocks so I'm just getting advice. What percentage do you think you'll also withdraw?
It’s definitely a nice payer I would not count it as a primary after enough returns reached. After marina $25k invest invest the returns in other index funds like VTI and what not.
Fair enough!
What income tax rate was assumed for those reinvestment numbers?
And subtract the expense ratio
I been taking all my resources an investing into jepi normally I like to keep a lot of others around but JEPI seems more stable and I feel it safer then others. I'm getting about 30 a month and hopefully I'll be able to use the dividences to get a additional share a month. I been in the market for a lil over a year and kinda greatful to experience a bear market first hand to understand an what to expect next time another comes around. My only question is how long will JPM keep JEPI around for. But seeing as how JEPI has become know as one the largest ETF I don't see it going anywhere any time soon. I am hoping the market does turn around at some point because it does make me feel a lil uneasy. But as Warren Buffett has said "when other are fearful be greedy" I would love to see a day the total gain get in the green someday.
If it makes you feel any better, I'm at about a 12% loss with JEPI right now. I'd love to see it get back in the green someday, but we'll see what happens
Yes I got me some JEPI
Nice!
Only in a Roth etc, not a standard account
It's better in a Roth you're right
JEPI for the winnn
I added 8 share 😈
Heck yea!
JEPI's chart long term seems to be declining so I'd have to factor in the loss of the value of the stock itself and theres no guarantee the dividend will stay the same or increase throughout the years. If you lose 30% of your investment and you gain the 1000 per year how much will you actually gain?
Hi Ryne! Thanks so much for the awesome spreadsheets and newsletter! I finally downloaded your Dividend Spreadsheet Tracker! I sent a question to your email address that is sent from your newsletter (is that a good way to reach you for questions? I just had a couple questions and hoping for some guidance to fix this issue. Just let me know, thanks so much!
Thanks so much! And yea that’s perfect, feel free to shoot me an email at ryne@retirewithryne.com
Where can I buy jepi?
You should be able to buy it using any brokerage that you use to buy stocks
I have 760 shares of JEPI (approx. $41600) using dividends to buy SCHD every month so I hope it can waterfall appropriately for me.
Wow!
@@my_sideproject3815 2-3months so far and have jepi as a waterfall
Nice !! Do you have jepi in a roth or taxable? Any tax drag with it if it's in your taxable?
@@t.caskets9893 they are in ROTH & Rollover IRAs
It's good if u got more to put in
True that
I guess we will all have an opinion on this.. mine is I have no idea why you wouldn’t have jepi and jepq in your portfolio
My thoughts were build my portfolio more through growth stocks and as I get closer to retirement sell off majority and purchase a good dividends fund like jepi or schd for income. Maybe I'm doing it backwards
Imma buy schd and jepi and put it into my roth account but don't know whether to do 70 schd 30 jepi or the other way around and put money into voo and either a int or growth in a taxable account since it will be taxes less than dividends would what do you think?
I would keep a low allocation of JEPI. Better to prioritize SCHD and VOO in my opinion
@Ryne Williams ok thank you would it be bad if I just held 100 percent schd in my roth?
@@austinyoung8946 that’s up to you. SCHD contains over 100 different holdings so it’s pretty well diversified
is it better than schd?
If I had to choose between the two, I'd go with SCHD
Wow. How much will it be if you contribute to JEPI for 10 years maxing it out on your Roth IRA annually?
I don’t know the exact number, but I bet it will be a nice chunk of change!
I'm setting myself up to have one portfolio for dividend growth ETF and another for high yield dividend ETF. In the growth I have SCHD and DGRO, and I'm still deciding what to put in the high dividend portfolio, I was going to do JEPI, JEPQ, XYLD, RYLD. I don't want to join the qyld bandwagon because it's performance probably will never recover. At least with all the others like your video just mentioned should appreciate at least slightly over time. I'm okay with building up a high dividend snowball as long as I don't lose a bunch of my capital. What do you think Ryne? I couldn't decide between the two strategies I like them both so I just decided to go with them both lol. By the way I watch a lot of your videos and you have some great content keep them coming I love hearing you guys talk dividends. Have a great day!
Just pick one cover call etf.
@@hulkman4004 why do u say that? Not important to diversify with these kinds of funds as well?
I like jepi because it manage. Haven't drop much like the other cover calls fund's. Just pick one you diversifying by having some else like schd.
@@hulkman4004 what about having at least jepi and jepq? That way both s&p and nasdaq is covered?
@@SlipknotKid97666 you can I just wouldn't go to heavy on these cover call fund's. No telling how they will perform once the bull market return. They good if you need the income now.
It seems to me that JEPI (I do own some) is paying less and less per share per month. Right? The share price has dropped from around $62 to $55. I was afraid of this when the market was falling hard and it dropped to $52...in hindsight, we should have all loaded up the truck. : )
It will always go up and down
Nope. Divvys are shrinking over time.
What % of the JEPI holdings is covered calls?
I think maybe around 20-30% of the portfolio is in ETN's, but the great majority of JEPI's income comes from the covered calls
@@rynewilliams yes its up to 20% 1 month OTM calls on the S&P 500
Do you think JEPI is still a valid investment to this day?
I think it has its place in a portfolio that prioritizes current income. It’s not one I’m interested in owning these days though
Taking suggestions on my situation. I bought some QYLD when it first dipped under 20$ obviously it has since dipped further.
Is it worth holding on or maybe swapping over to another ETF like JEPI for a long term hold IYO. Not financial advice and all that good stuff 😂
Thanks
I'm personally more partial to JEPI. I used to have XYLD + JEPI but recently sold out of XYLD
@@rynewilliams Thank you!
Maybe just reinvest all the qyld dividends into jepi jepq
Do you have JEPI in your portfolio? Let me know in the comments below! 👇
What if you use this as income in a Roth IRA and used the dividends and reinvested into other stocks or ETFs?
No cuz one of the brokers that i invest doesnt have but found another that has and will start investing in to this etf
Yes I own 1000 shares drip re invest dividends
Bro, got 100 shares doing its thing in my wife’s Roth, just chilling in there…lol
Man she’s rolling in those monthly dividends, that’s awesome 😂
@@rynewilliams jepq is next, then hit it hard with schd…
👍 nothing crazy but I do own 22 shares
Nice!
Why even talk if all you have is 22 shares of JEPI ??? We only want to hear from "players" with 1000 plus shares 😂
@@pauobunyon9791 lol. Hey we can't all be ballers
@@FootballCardOlly Drives me crazy to hear about people like Kathy Woods selling like a million shares of. her VOO to purchase something ! You're right we cant all be "players" but we can try 😂
@@pauobunyon9791 right. Or they trimmed their position from like 3 million shares down to a measley 2 million shares 🤣
1900 shares.Ill buy more at $54.00.
Dang! You have quite the JEPI position my friend. Nicely done
I do $5 of JEPI every market day - this one is a must have for me!
That’s awesome!
Taxes…
What’s it like for taxes?
It pays a non-qualified dividend
@@rynewilliams ahh okay so they get taxed higher than regular dividends
@@Godfather9814 yea it just depends on your tax rate and whether or not you have it in a tax advantaged account
@@rynewilliams yeah I should put it in my 401k, but most of my own investments are in my own trading account so that’s where most of my dividends are
Isn't this for those who are in their 50s+ nearing retirement?
Dividends are great, but not at depreciating value of etf
There is a lot worse Dividend ETFs out there than JEPI.
That is certainly true
I just got out of both Jepi and jepq. Moving into pffa, nep, and ohi instead
Right on
@@rynewilliams I read a bit on both Jepi and Jepq and I think the recent returns may be more than what they typically get. Not sure what I moved in will do better.
I just wanted the change
@@InvestingWithAdamK I think that makes sense. I’m about to get out of JEPI myself
@@rynewilliams For the same reasons?
@@InvestingWithAdamK yea more or less. I don’t have any serious qualms with the fund, I’m just ready for a change, and never considered it a forever hold
Will it be around or sustainable in 10 years?
I'd be surprised if the ETF wasn't around, but I guess anything's possible. There's certainly more risk associated with this ETF compared to something like SCHD or VOO
@@rynewilliams Thanks for the response! I've been back and forth in entering a position in JEPI simply because I'm not sure how ELN's work and how CC's work during times of recessionary periods. A lot of positive sentiment though!
Not to hijack, but what about QYLD and RYLD?
I'm personally more partial to JEPI over the YLD's
Can I get long term capital gains with JEPI
Not on the dividend income. But if you sold JEPI for a profit, you could get long term capital gains tax on the profits if you held JEPI for over a year
@@rynewilliams I plan on owning it for 20 years
No capital appreciation and I am betting it's decreasing.
Yea I think my position is down about 8% right now. Lot less than XYLD haha
@@rynewilliams if you're down 8, but collecting 10 you're up 2. No?
That’s very true!
Had them for years and I’m up in share value even after this down trend
Look at the chart dummy the long term trend is rising
Hepi Is not good because you will lose the value of your purchase and and you will not get it back on the Monthly distribution
That has not been the case for me so far. I’ve made more in dividends with JEPI than I’ve lost in share price appreciation
Jepi leaves room for capital appreciation by not selling calls on everything like some covered call funds. It's also actively managed so they aren't just blindly following an index or one strategy. It's still pretty new so we'll have to wait and see longterm results.
It outperform downwords and sideways market. But it will not out performe in a bull market you will be missing out on a decent return
I’m sure the second I buy tomorrow, it’ll drop. Sorry in advance everyone.
Haha that's the way it goes sometimes
You get taxed, and as non qualified… so 27k is untrue
How do you know I didn’t account for taxes in my calculation? And what if the individual bought JEPI in their Roth IRA?
Bet most of these people aren't so thrilled now
Jepi 1283 shares and jepq 1480 ❤❤❤