Sea: 3- Ep- #13- SCHD Vs. MSTY/ULTY/SPYI/QQQI- (Which Is Better To Invest In)

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Season 3, Episode #13. Not Me, But You! Podcast. 

Connect with me, Follow me on X at: Waypa Today. I do offer 1:1/small group coaching. To arrange a FREE 14 to 20 minute call email me at: [email protected] to see if it makes sense for us to work together. 

According to 2026 data, the MEDIAN (not average bue MEAN data point) American has at retirement: $95,000 to $186,000 saved in retirement accounts. Notice it's not a MILLION dollars or even 2 or 3 MILLION dollars! 

The Median annual household income annualy  is approximately is $58,000. And target vs. reality, retirees often FEEL they need $800,000 in order to retire. Yet the MEDIAN savings is MUCH less! And 4 out of 10 workers aged 45 to 64 have ZERO retirment accounts! 

SCHD pays a yearly yield of 3.3%. Is that a "great" interest rate to earn on your money? Compare this interest rate with what banks charge for credit cards: 14% or 18% or 28% or 32% etc! Just because there is NO share price erosion with SCHD, doesn't ALONE make it a great investment. You also have to consider the INTEREST RATE you are earning on your money. And THEN you have to COMPARE that ROI with the TRUE RATE of inflation (the rate at which prices are rising for everything you buy!) 

If you had $300,000 to invest and ONLY earned 3%/year that would generate $9,000/year which means you would get on average, monthly, $750/MONTH!. Can you live on $750 per month of income?? 

Yield on SPYI is 12%/year. Yield on QQQI is 14%/year. Just because you have more MONEY in your portfolio statement this year compared to last year, does NOT automatically mean you are "doing great!" What DOES determine IF you are doing great or NOT, is to calculate what is your actual ROI (return on investment percentage) from year to year. 

If you're portfolio is NOT growing at least 14% per YEAR, then you probably are NOT doing great! Your primary goal as an investor is to OUTPACE the TRUE rate of inflation!  Not the reported inflation number which is NOT reality and not reflective of actual rise in prices in real life on a yearly basis. 

The best time to buy some Bitcoin is TODAY! Your overall retirement goals should include stacking some Bitcoin AND getting most of your cash/assets INTO your Roth IRA. Why the Roth IRA? Answer: So you can withdraw money 100% TAX FREE! 

Have courage today, to pick one thing, and work on your dreams. We will talk again soon. 

#debt, #Bitcoin, #retirment, #Stocks, #MSTY, #ULTY, #SPYI, #QQQI, #CLM, #ROTH, #IRA, #Exercise, #Credit, #coaching, #wealth 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.