WoV stock portfolio
Quote: billryan
Folks need to realize there is a massive difference between having a million dollars saved for retirement and having a million dollars saved in an IRA.
that is correct if the account is a traditional Ira, but it is not correct if it is a Roth Ira
in fact, in a Roth Ira the tax treatment for withdrawals is quite a bit better than for a non Ira account (no capital gains taxes and no dividend taxes)
a non IRA account that has been accumulating for 30 years or so with no withdrawals is very likely to generate significant capital gains tax obligations
there are also no capital gains tax obligations and no dividend taxes in a traditional Ira account
Roth IRA
Tax treatment: Contributions are made with after-tax money, meaning there is no upfront tax deduction.
Withdrawals: Qualified withdrawals in retirement are tax-free.
Mandatory withdrawals: There are no RMDs during the original owner's lifetime.
Early withdrawals: Contributions can be withdrawn penalty- and tax-free at any time.
Tax-Free Growth: All investment earnings, including dividends, interest, and capital gains, grow tax-free within the Roth IRA account. This allows your investments to compound more effectively over time without annual "tax drag".
Qualified Withdrawals are Tax-Free: When you withdraw funds in retirement, both your original contributions and all accumulated earnings (including dividends) are 100% free from federal income tax and penalties, provided two conditions are met:
You are at least 59½ years old.
The account has been open for at least five years (the 5-year rule, which starts on January 1 of the tax year of your first contribution to any Roth IRA).
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I had a bond mature today, so had some cash to either invest or put in the money market account. I bought MP. Because it is my granddaughter’s initials. Night more RGTI on its big dip today, so I’m happy with my total dollar investment there.
I do have some more of that bond money to put into stocks if someone has a suggestion!
Quote: SOOPOOI do have some more of that bond money to put into stocks if someone has a suggestion!
these are not my picks but came up when I searched "stocks that are a strong buy"
these 3 went up a lot today
I'm sure you will research them - I haven't -
"Stocks with Strong Analyst Consensus (WallStreetZen)
Wall Street analysts have given "strong buy" consensus ratings to several companies, with significant projected upside potential:
Celsius Holdings (CELH): A beverage company with a price target suggesting a potential 79% upside.
Corcept Therapeutics (CORT): A biopharmaceutical company with a price target suggesting a potential 74% upside.
Hesai Group (HSAI): An autonomous driving tech company with a price target suggesting a potential 73% upside."
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I know someone who faithfully invested in regular IRA as soon as you were allowed to do that, sometime in late 70s I think. He was never a 6 figure earner, retiring at 70 or so, not earning 6 figures then either. He says this is his first year to have an RMD and has to take out $50,000. I think he should have gone Roth, as much as possible, as he wasn't in a big tax bracket when earning. Of course I'm not sure about all that, maybe it works out about the same, but for sure he has a big tax bite. Personally, I like to combine Roth withdrawals with regular withdrawals to lower taxes
according to the RMD calculator, he has around $1,300,000 in that account. I'm not sure he realized he was telling me that as that's not like him. He even always avoided telling me his age exactly, now I know he turned 73 in 2025
Quote: odiousgambitPersonally, I like to combine Roth withdrawals with regular withdrawals to lower taxes
good for you
you're operating in a tax efficient way
better than me
I've made quite a few mistakes
most of them I rectified fairly quickly as I got older and wiser
but not the Ira thing - mine is a traditional Ira - I could have done much better with a Roth
I beat myself up about that quite often
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There is so much untaxed revenue in these tax-deferred accounts that I suspect the government will go after them in the near future.
The U.S. has roughly $45 trillion in tax-deferred accounts while facing a nearly $40 trillion deficit. Deferring much-needed revenue in a debt crisis may fall out of favor in DC.
Years ago (the 1990s), I looked into taking out a $50,000 withdrawal. There was a $5,000 penalty off the top. Then $12,000 in Federal, and $3,000 in state and NYC taxes. There was no way I was losing 40% of my withdrawal, especially as I needed $50,000 cash. I'd have to have taken out almost $85,000 to get $50,000 cash, but I didn't have it.
Quote: billryanWe must not forget the 10-15% of our neighbors who had to dig into their tax-deferred accounts before they turn 59 and pay heavily for it.
Years ago (the 1990s), I looked into taking out a $50,000 withdrawal. There was a $5,000 penalty off the top. Then $12,000 in Federal, and $3,000 in state and NYC taxes. There was no way I was losing 40% of my withdrawal, especially as I needed $50,000 cash. I'd have to have taken out almost $85,000 to get $50,000 cash, but I didn't have it.
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Bill, why are you paying New York taxes on it? I thought you lived permanently in AZ now.
Quote: billryanIt was years ago, and I was a NYC resident, so I owed New York State and NYC taxes.
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Sorry, clearly I didn't read the whole post. I thought you were speaking in the present.
Quote: DRichQuote: billryanIt was years ago, and I was a NYC resident, so I owed New York State and NYC taxes.
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Sorry, clearly I didn't read the whole post. I thought you were speaking in the present.
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You are forgiven.The older I get, the better I recall things that never happened
Quote: billryanI logged on to an infrequent occurrence. Every stock I own outside my managed portfolios was in the RED. As of now, a couple have crept into the green for the day, but ALL RED is not what I was hoping for to start the new month.
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You must own very few stocks. I’m around 50 green, 100 red as we speak. Total portfolio down 0.05% or so. A blip.
As of a few minutes ago, it looked about 50-50, but overall, it was down about a third of a percent.
I have two managed accounts- one for domestic stocks and one for international. They each own about 200 stocks, but I don't consider that owning the stocks. I'm in the process of selling a few stocks, reducing positions, and parking cash in SGOV until something better comes along.
Some of my stocks counterbalance each other, so it is rare for them all to go in the same direction.
Recent stock purchases have been throughly analyzed.
Bought MP. (Granddaughter’s initials)
RIO. (Dog’s name)
CORT. (WoV recommendation)
RGTI. (WoV recommendation).
Quote: billryanI got the last monthly payout from CEPI today. The stock is currently priced at $34 and change and paid out $17.10 for the year.
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All depends on what the price was a year ago! I found it at $51 in January! So from that date it is a ZERO! Stock price down exactly what they distributed to you!
You are aware it might be your worst investment of the year?
Anyway, new ATH at +231% today. May this bubble never burst! I do VERY SLOWLY keep increasing my money market accounts. When grandson is born early January I will buy stock with his initials….
Yes, currently trading at $34.30. And tt was "priced at" $49.22 to begin the calendar year, for a year to date loss in share price of a little over 30% of 'invested' capital. The net of published payouts (actually listed as totalling $16.998 - pretax of course), less the large loss of capital results in a total net return of $2.078 per share, for a net total annual return of just about +4%. IMO the most appropriate metric for comparison to calculate the 'opportunity cost' involved would probably be to the the NASDAQ, but depending on which indices one prefers to look at to measure the performance of the overall publicly traded US equity market, during that time the broad market (currently trading at an all-time record high as of today's closing prices) increased about 20% (S&P500), or 15% (Dow Jones Industrial Average), or 22% (NASDAQ Composite)... not counting any of the additional returns from dividends paid by those enterprises comprising the widely followed measures of 'the stock market.'.Quote: billryanI got the last monthly payout from CEPI today. The stock is currently priced at $34 and change and paid out $17.10 for the year.
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https://finance.yahoo.com/quote/CEPI/history/?filter=div]Quote:Date - - - - - Dividend
Dec 23, 2025 1.233 Dividend
Nov 26, 2025 1.228 Dividend
Oct 28, 2025 1.496 Dividend
Sep 23, 2025 1.439 Dividend
Aug 26, 2025 1.414 Dividend
Jul 29, 2025 1.456 Dividend
Jun 24, 2025 1.38 Dividend
May 29, 2025 1.388 Dividend
Apr 29, 2025 1.329 Dividend
Mar 25, 2025 1.459 Dividend
Feb 25, 2025 1.578 Dividend
Jan 28, 2025 1.698 Dividend
EDIT to add:
Or, as noted above, if purchased at the $51.13 price level of mid-January, the net was... a total seventeen cents, for a return of about zero percent, less the tax liability on the distributions.Quote: SoopooI found it at $51 in January!
I've never owned a stock that approached a fifty percent payout. Few pay more than five percent.
A person who started the year with 1,000 shares may have lost share value if they sold, but they have $17,000 in cash and still own the 1,000 shares. It's bizarre that people pick an all-time high price as the comparison point, but some have to find the worst case.
It's a horrible stock, and all should stay far away. Yeah, that's the ticket. Stay far away.
As a comparison, Bitcoin has dropped from 126K to under 90, and produced zero income this year. How is the crypto market? How is the S&P 493 doing?
Am I happy with my strategy in 2025? Heck yes. My IRA is up almost 25%, my main account is up nearly 20%, and I got through another year without touching my nest egg. My SMAs are in line with my PMAs, and both are having good years.
Am I changing my strategy in 2026? Absoutely. Will people criticize my new investments? Most certainly. Will I care? I think we know the answer to that.
Quote: billryanI do appreciate your perspective. I know exactly what the stock is and how it performed. I don't recall saying I was happy with the results, all I mentioned was that the stock ended the year with a yield of amost 50%. If you are looking for growth, it's not for you. If you want to boost your income and know the risk, I believe it has a place in a diversified portfolio.
As a comparison, Bitcoin has dropped from 126K to under 90, and produced zero income this year. How is the crypto market? How is the S&P 493 doing?
Am I happy with my strategy in 2025? Heck yes. My IRA is up almost 25%, my main account is up nearly 20%, and I got through another year without touching my nest egg. My SMAs are in line with my PMAs, and both are having good years.
Am I changing my strategy in 2026? Absoutely. Will people criticize my new investments? Most certainly. Will I care? I think we know the answer to that.
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I do like your comment on ‘the S & P 493’! I hadn’t heard/thought/ been aware of that concept until very recently. I’m sure I’m vastly overweighted in ‘the S & P’ 7! Those stocks probably dominate my ETFs and certainly do in my single Mutual Fund (TWCUX).
I think though that you saying that CEPI had a ‘yield’ of 50% is disingenuous, if not downright misleading. It really mostly just returned the money you invested in it to you. Didn’t really ‘yield’ anything.
Anyway, if you are happy with its place in your portfolio, more power to you. If you remember, I joined you!
At the current rate, an investor would recoup their investment in the stock in two years. That's a 50% yield. If and when the stock increases to $51, the yield would be 33% if payouts remain the same.
A stock's yield is not a good or bad thing; it simply is. All it indicates is potential future income. A low yield indicates a sustainable company, while a high yield indicates greater risk. Anyone who understands the market knows the higher the yield, the higher the risk. The higher the risk, the greater the potential.
If a stock sells for $50 and pays a $5 dividend, it has a 10% yield. It will pay for itself in ten years.
If it rises to $100 and still pays $5, then its yield has fallen to 5%. It will pay for itself in twenty year.s
If the stock falls to $25, it has a 20% yield. It will pay for itself in five years.
Is the $100 stock with the 5% yield better or worse than the other two options?
A younger investor might pursue the $100 stock as it shows growth potential. An older investor might seek the higher yield, as they want income, not growth. The wise investor diversifies and has all three.
Quote: billryanAs I understand it, yield is the stock's annual payout relative to its price. A stock that costs $34 and pays out $17 has a yield of 50%.
At the current rate, an investor would recoup their investment in the stock in two years. That's a 50% yield. If and when the stock increases to $51, the yield would be 33% if payouts remain the same.
A stock's yield is not a good or bad thing; it simply is. All it indicates is potential future income. A low yield indicates a sustainable company, while a high yield indicates greater risk. Anyone who understands the market knows the higher the yield, the higher the risk. The higher the risk, the greater the potential.
If a stock sells for $50 and pays a $5 dividend, it has a 10% yield. It will pay for itself in ten years.
If it rises to $100 and still pays $5, then its yield has fallen to 5%. It will pay for itself in twenty year.s
If the stock falls to $25, it has a 20% yield. It will pay for itself in five years.
Is the $100 stock with the 5% yield better or worse than the other two options?
A younger investor might pursue the $100 stock as it shows growth potential. An older investor might seek the higher yield, as they want income, not growth. The wise investor diversifies and has all three.
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You just can’t understand the simple concept that if a stock IS DESIGNED to have its value decrease over time the way you figure out its present yield is JUST WRONG. You can type as many paragraphs as you’d like but you just don’t make any real world sense.
Good luck with your portfolio.
