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birb_cromble  2d ago (text post)   266 thread views

Weekly Finance Thread - 2026-07-11

A weekly thread to discuss financial matters - from personal all the way up to global.

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If I wanted to self-direct without using index funds, I don't know how I could cope with all the choices out there. JEPI has a crazy yield, but looks range-bound (I mean it in a good way). Then you have SCHD, yielding about the same as a HYSA, but investors expect the fund's value itself to increase over time, so a constant yield with an increasing denominator implies growing dividends.

What do you think of JEPI mr cromble? Has it found a home in your account? I myself can't quite stomach selling upside for a few bucks, even if in my head I should expect premiums on calls to be overpriced on average. As a result I only sell calls on positions I want to be rid of.

I'm in a weird place right now where I intend to relocate and buy a house at some unknown future date. I'm building a... I guess you could call it a "risk ladder" for that money.

Most of it is in an ultra short term Treasury ETF. The next tier is state specific municipal bonds and AAA CLOs. After that it's BINC and JSI.

I'm about ready to move up a risk tier, and I'm plotting out what the next steps are.

I think my immediate next tier between JSI and SCHD is something that involves equities rather than debt. Something like JEPI or SPYI seems to fit the bill fairly well. I'm also looking at PFF, but I don't love the Oracle exposure.

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