What does assisted living cost a month/year if you don’t mind me asking?

X10 on White17 description. Lots of variables. As far as the market being flat?? IMO. Not so much!! But again you have to decide what you want and your risk level.

I am a Nathan, Buffet

Nathan Rothschild never bought the top or the bottom. Always sold early.


Buffet. Value purchase of stocks.

I was always told. Buy what you know. Understand what you are buying and why!!!!!

It is the only way the little guy can get ahead in the market!!! I am a little guy!!!!!

The talk of tariffs since the election isnt helping. Interest rates moving down , and I think with all the layoffs on the horizon I think a lot of action will be happening in 401k accounts is a newly creeping concern…toss in stagnant stubborn interest rates just for fun,meh.

Osky

It is volatility. Use it to your advantage!!!! If you mange your own accounts!!!!!! We welcome volatility!!!!

If we knew the amount dirts friend requires?

We could reverse engineer different options/scenarios

Would be kinda fun

The market doesn't like unknowns. I think it's holding tight to figure out which direction the country is heading in during the transition between the Biden and Trump administrations.

Lots of unemployment on the way and more issues overseas in the Baltics, not helping.

Assisted living $4000.00 to $7500.00 on the low end. My advice. Live in your own home/ apartment as long as you can. Find as much help as you can to help you age in your own dwelling

Financial advisers with be one of the first casualtys of AI

To generate $7,500 per month ($90,000 per year) from bond funds, you’d need to consider the fund’s yield (the annual income it generates as a percentage of its value) and the total investment required. Bond funds typically distribute income through interest payments, and the amount you receive depends on the yield and the size of your investment. Let’s break this down with some examples, assuming you’re relying solely on the fund’s yield for income (not selling shares).

---

### Key Formula
Annual income = Investment amount × Yield
Monthly income = Annual income ÷ 12
To get $7,500/month: Investment × Yield = $90,000/year

---

### Example 1: High-Yield Bond Fund (6% Yield)
- **Yield**: 6% annually (common for riskier high-yield or "junk" bond funds).
- **Required Investment**:
$90,000 ÷ 0.06 = $1,500,000
- **How It Works**:
If you invest $1.5 million in a bond fund yielding 6%, it generates $90,000 per year ($1,500,000 × 0.06). Divide that by 12, and you get $7,500 per month.
- **Risk**: Higher yields come with higher risk—think corporate bonds from less stable companies that might default.

---

### Example 2: Intermediate-Term Treasury Bond Fund (3% Yield)
- **Yield**: 3% annually (typical for safer U.S. Treasury or investment-grade bond funds in a moderate interest rate environment).
- **Required Investment**:
$90,000 ÷ 0.03 = $3,000,000
- **How It Works**:
A $3 million investment at 3% yields $90,000 annually ($3,000,000 × 0.03), or $7,500 monthly.
- **Risk**: Lower risk since Treasuries are backed by the U.S. government, but you need more capital due to the lower yield.

---

### Example 3: Municipal Bond Fund (4% Yield, Tax-Free)
- **Yield**: 4% annually (common for municipal bond funds; varies by state and tax status).
- **Required Investment**:
$90,000 ÷ 0.04 = $2,250,000
- **How It Works**:
Investing $2.25 million at 4% generates $90,000 per year ($2,250,000 × 0.04), equaling $7,500 monthly. Plus, if it’s tax-free (e.g., for federal or state taxes), you keep more net income compared to taxable funds.
- **Risk**: Moderate—municipal bonds are generally safe but depend on the financial health of the issuing local government.

---

### Factors to Consider
1. **Yield Variability**: Bond yields fluctuate with interest rates, credit risk, and fund performance. The examples assume a steady yield, but in reality, it could change.
2. **Inflation**: $7,500/month might lose purchasing power over time unless the fund’s yield adjusts upward.
3. **Fees**: Bond funds charge expense ratios (e.g., 0.2%–1%), reducing your net income slightly.
4. **Capital Preservation**: These examples assume you don’t touch the principal. If you sell shares, the math changes, and your investment shrinks over time.

---

### Practical Scenario
Suppose you have $2 million to invest:
- A balanced bond fund yielding 4.5% generates $90,000/year ($2,000,000 × 0.045), hitting your $7,500/month goal exactly.
- If rates rise and the yield bumps to 5%, that same $2 million generates $100,000/year ($8,333/month), exceeding your target.

To pick a specific fund, you’d look at options like Vanguard’s High-Yield Corporate Fund (VWEHX, ~5-6% yield historically), iShares National Muni Bond ETF (MUB, ~3-4% tax-free), or SPDR Bloomberg Barclays Intermediate Term Treasury ETF (ITE, ~2-3%). Check current yields, as they shift with market conditions (e.g., on February 28, 2025, rates might differ from historical norms).

Does this clarify how bond funds could work for your goal? Let me know if you want to tweak the numbers or explore


To generate $7,500 per month ($90,000 per year) from equities, you’d rely primarily on dividends, capital gains, or a combination of both. Equities (stocks or stock funds) differ from bond funds because they offer growth potential but come with higher volatility and less predictable income. I’ll assume you’re asking about a sustainable approach—focusing on dividend income rather than selling shares (which depletes your principal). Here’s how it works, with examples.

---

### Key Formula
Annual income = Investment amount × Dividend yield
Monthly income = Annual income ÷ 12
To get $7,500/month: Investment × Yield = $90,000/year

---

### How Equities Generate Income
1. **Dividends**: Many stocks pay quarterly or monthly dividends, providing regular cash flow.
2. **Capital Gains**: Selling stocks at a profit can supplement income, but this isn’t sustainable long-term without eroding your investment.
3. **Growth + Reinvestment**: Over time, stock price growth can increase your portfolio’s value, allowing higher income later, though this isn’t immediate.

For simplicity, let’s focus on dividend income first, as it’s the most direct way to hit $7,500/month without selling.

---

### Example 1: High-Dividend Stock Fund (5% Yield)
- **Yield**: 5% annually (typical for high-dividend ETFs or REITs—real estate investment trusts).
- **Required Investment**:
$90,000 ÷ 0.05 = $1,800,000
- **How It Works**:
Invest $1.8 million in a fund like the Vanguard High Dividend Yield ETF (VYM), which might yield ~3-5% depending on market conditions. At 5%, it generates $90,000/year ($1,800,000 × 0.05), or $7,500/month.
- **Risk**: Higher yields often mean higher risk—think energy stocks or REITs that could cut dividends if earnings falter.

---

### Example 2: Blue-Chip Dividend Stocks (3% Yield)
- **Yield**: 3% annually (common for stable companies like Coca-Cola, Johnson & Johnson, or the SPDR S&P Dividend ETF, SDY).
- **Required Investment**:
$90,000 ÷ 0.03 = $3,000,000
- **How It Works**:
A $3 million portfolio yielding 3% produces $90,000/year ($3,000,000 × 0.03), equaling $7,500/month. These stocks (e.g., Procter & Gamble, yielding ~2.5-3%) offer reliability and modest growth.
- **Risk**: Lower risk than high-yield options, but dividends aren’t guaranteed, and stock prices can dip.

---

### Example 3: Dividend Growth Strategy (2% Initial Yield + Growth)
- **Yield**: 2% initially (e.g., S&P 500 average via SPY ETF), growing over time as companies raise dividends.
- **Required Investment**:
$90,000 ÷ 0.02 = $4,500,000
- **How It Works**:
Invest $4.5 million for $90,000/year initially ($4,500,000 × 0.02). Stocks like Microsoft or Apple (yielding ~1-2%) often increase dividends annually (e.g., 5-10% growth). After 5-10 years, the yield on your original investment could rise to 3-4%, boosting income without adding capital.
- **Risk**: Lower starting income; relies on long-term holding and company performance.

---

### Combining Dividends and Gains
If dividends alone don’t suffice, you could sell shares strategically:
- **Scenario**: $2 million in an S&P 500 ETF (SPY, ~1.5% yield).
- Dividends: $2,000,000 × 0.015 = $30,000/year ($2,500/month).
- Gap: $7,500 - $2,500 = $5,000/month ($60,000/year).
- Sell 3% of the portfolio annually: $2,000,000 × 0.03 = $60,000, covering the gap.
- **Catch**: Selling reduces your principal, but if the portfolio grows 7% yearly (S&P average), it might offset withdrawals (akin to the 4% safe withdrawal rule).

---

### Practical Examples
1. **Vanguard Dividend Appreciation ETF (VIG)**: ~2-3% yield. $3 million generates $60,000-$90,000/year ($5,000-$7,500/month). Add slight growth or sales to bridge any gap.
2. **Individual Stocks**: Mix Coca-Cola (3%), Verizon (6%), and ExxonMobil (4%) for a blended 4% yield. $2.25 million yields $90,000/year ($7,500/month).
3. **REITs**: Realty Income (O), a monthly dividend payer, yields ~5%. $1.8 million gets you $90,000/year.

---

### Factors to Consider
- **Volatility**: Stock prices fluctuate; a market crash could cut your portfolio’s value, though dividends often persist.
- **Dividend Cuts**: Riskier stocks might slash payouts in tough times.
- **Taxes**: Dividends face higher taxes than bond interest in some cases (e.g., qualified dividends at 15-20% vs. municipal bonds at 0%).
- **Growth Potential**: Unlike bonds, equities can appreciate, increasing future income.

On February 28, 2025, yields might differ—check current rates for funds like VYM or stocks like Verizon. With $2 million, a 4.5% yield (achievable with a dividend-focused portfolio) hits $7,500/month exactly. Want me to refine this further or pick a specific strategy?

To generate $7,500 per month ($90,000 per year) from dividend-paying equities, you need to invest in stocks or funds with a dividend yield that, when multiplied by your investment amount, equals your target income. The formula is:

**Annual Income = Investment Amount × Dividend Yield**
**Required Investment = $90,000 ÷ Dividend Yield**

I’ll provide examples of dividend-paying equities—individual stocks and ETFs—based on realistic yields as of February 28, 2025, assuming yields reflect current market conditions (though exact yields fluctuate). These examples focus on generating $7,500/month from dividends alone, without selling shares.

---

### Example 1: Realty Income (O) – 5% Yield
- **Type**: REIT (Real Estate Investment Trust)
- **Dividend Yield**: ~5% (monthly payer, known as "The Monthly Dividend Company")
- **Dividend Details**: Pays $0.2635/share monthly (~$3.16/year) at a stock price of ~$63.
- **Required Investment**:
$90,000 ÷ 0.05 = **$1,800,000**
- **Shares Needed**: $1,800,000 ÷ $63 ≈ 28,571 shares
- **How It Works**:
28,571 shares × $3.16/year = ~$90,264 annually, or $7,522/month.
- **Pros**: Reliable monthly dividends from a REIT with over 600 consecutive monthly payouts.
- **Cons**: Sensitive to interest rate changes; real estate sector risk.

---

### Example 2: Verizon Communications (VZ) – 6% Yield
- **Type**: Individual Stock (Telecom)
- **Dividend Yield**: ~6% (quarterly payer)
- **Dividend Details**: Pays ~$2.71/share annually at a stock price of ~$45.
- **Required Investment**:
$90,000 ÷ 0.06 = **$1,500,000**
- **Shares Needed**: $1,500,000 ÷ $45 ≈ 33,333 shares
- **How It Works**:
33,333 shares × $2.71/year = ~$90,331 annually, or $7,527/month (paid quarterly, so ~$22,582 every 3 months).
- **Pros**: Stable blue-chip stock with a high yield and consistent dividend history.
- **Cons**: Quarterly payments require budgeting; telecom growth is slow.

---

### Example 3: Vanguard High Dividend Yield ETF (VYM) – 3% Yield
- **Type**: ETF (Exchange-Traded Fund)
- **Dividend Yield**: ~3% (quarterly payer)
- **Dividend Details**: Pays ~$3.84/share annually at a price of ~$128.
- **Required Investment**:
$90,000 ÷ 0.03 = **$3,000,000**
- **Shares Needed**: $3,000,000 ÷ $128 ≈ 23,437 shares
- **How It Works**:
23,437 shares × $3.84/year = ~$89,998 annually, or $7,500/month (paid quarterly, so ~$22,500 every 3 months).
- **Pros**: Diversified across 500+ high-dividend U.S. stocks; low expense ratio (0.06%).
- **Cons**: Lower yield requires more capital; quarterly payouts.

---

### Example 4: Main Street Capital (MAIN) – 6.5% Yield
- **Type**: BDC (Business Development Company)
- **Dividend Yield**: ~6.5% (monthly payer, often with supplemental dividends)
- **Dividend Details**: Pays $0.245/share monthly (~$2.94/year base, plus extras) at ~$45/share.
- **Required Investment**:
$90,000 ÷ 0.065 = **$1,384,615**
- **Shares Needed**: $1,384,615 ÷ $45 ≈ 30,769 shares
- **How It Works**:
30,769 shares × $2.94/year = ~$90,461 annually, or $7,538/month (supplemental dividends could push it higher).
- **Pros**: Monthly dividends; potential for bonus payouts from investment gains.
- **Cons**: Higher risk due to exposure to middle-market loans.

---

### Example 5: AT&T (T) – 4.9% Yield
- **Type**: Individual Stock (Telecom)
- **Dividend Yield**: ~4.9% (quarterly payer)
- **Dividend Details**: Pays ~$1.11/share annually at ~$22.50/share.
- **Required Investment**:
$90,000 ÷ 0.049 = **$1,836,735**
- **Shares Needed**: $1,836,735 ÷ $22.50 ≈ 81,632 shares
- **How It Works**:
81,632 shares × $1.11/year = ~$90,611 annually, or $7,551/month (paid quarterly, so ~$22,653 every 3 months).
- **Pros**: High yield from a telecom giant; historically stable dividends (though cut in 2022).
- **Cons**: Quarterly payments; past dividend reduction signals caution.

---

### Key Considerations
- **Investment Size**: You’ll need $1.4M–$3M depending on yield (5% yield = $1.8M; 3% yield = $3M).
- **Payment Frequency**: Realty Income and Main Street Capital pay monthly, aligning with your $7,500/month goal. Others pay quarterly, requiring you to spread the income.
- **Risk**: Higher yields (e.g., MAIN at 6.5%) involve more risk than lower-yield options (e.g., VYM at 3%).
- **Taxes**: Dividends may be taxed as ordinary income or qualified dividends (15-20%), reducing net income unless in a tax-advantaged account.
- **Market Conditions**: Yields and prices shift daily; confirm current data before investing.

These examples—Realty Income, Verizon, VYM, Main Street Capital, and AT&T—span REITs, telecoms, ETFs, and BDCs, offering a mix of stability and yield. Want me to adjust for a specific investment amount or focus on monthly payers only?

What are other sources of revenue or inocme the person has? SS, disability, pension etc. etc. Those funds can lower the investment capital needed or the returns. Every $1K per month can lower the investment principal at 5% returns by 240 K. Another thing that can be reviewed is at age 84 , how much capital is available to be used if needed or does the person not want to spend capital. Finding a solid fixed revenue from capital may actually return more than trying to time the more higher risk investments and probably even more so for the short term then the long term.

Bryce

Sell off Monday

Some on here crack me up! Invest 3 million? You got that kind of money forget junk bonds risk of any kind
9000 a month assisted living?? Pay a live in nurse 4000 per. Take the “investments given in the 3 page example and put in CD at 4.25 at 250,000 each cd Are there ways 3 million can make more? Of course! Heck buy rental property! But I think person that this is for just wanted to be comfortable until passing. You got 3 million laying around to invest you are comfortable
4.25 on 3 million is 127,000 per year
Doing nothing
Watching nothing
Worrying none

Hence my yield max ETF example

At 84, you could live pretty comfortable without any investments for the rest of your life with a lot less than 3 million

As for selling off Monday??

Hard to say,,,,,,market rallied pretty good after the rumble in the White House

Sorry I kind of left you hanging. I was gone most of yesterday. Some good questions.

Assisted living is not a fixed cost. Went up 15% in one year after inflation spike. Will go up with inflation and may double when it is time for memory care. Currently my fixed income investments are keeping bills paid. This is only because interest rates are normal again. If they go back to near zero again, they will again be a poor option. I have been able to grow the portfolio since I took over. I want to continue this trend as long as possible and have funds to risk in the market which should pay a better return over a 5 year period than my fixed opportunities.

My cash, as fixed investments mature, is currently being held in a money market account that pays 5%. I see no reason to move this money out of this account and buy fixed investments at less or into the market at this moment in time. Hence trying to time the market. I played the same strategy with the Nasdaq in March of 2024. Am I doing something stupid by waiting to invest?

Just one person’s opinion,,,,

There’s been a significant pullback from the trump bump

I see it continuing for at least another 6 months,,,(tariff turmoil,etc)

Pullbacks are good. And a good time to dabble(not all in,,,yolo)

Trumpster is a huge fan of a strong/rising market

He’ll pull all the levers he can to have positive market going into midterms


Well it happen that way??? Remains to be seen,,,,

I'm no White17, but I know that markets do not like chaos.

If I had a 1 million or so to last me till I'm gone I wouldn't worry about investing it to make a big return. I'm 71 and come to the fact that I just want to live till I die. Maybe tomorrow or 20 years from now - nobody knows but the last thing I worry about is leaving anybody a big estate to spend on things I did without.

I am of the age to have several friends who retired right before the pandemic. They all had jobs that provided pensions. In essence they are living on pensions and social security. Each of them have remarked on how tight their budgets have become in just a few short years. I realize this is anecdotal but I think it demonstrates the importance of investing in income assets that can at least keep pace with inflation.

Personally, I don't think you are making a mistake by waiting. Too much uncertainty at the moment along with stretched valuations....IMO.

I would also suggest that while you wait you might want to look into master limited partnerships..........several pipeline companies in the US pay a healthy distribution that is also tax advantaged. Companies like EPD, ET, KMI, WMB.

I am also a fan of preferred stocks in this environment. Many of these issues are bank preferreds and offer slightly greater yields than the common or bonds of the same company. There is a slight learning curve involved but it is mostly different jargon.

you can read up on those in general here:


https://www.quantumonline.com/PfdSymbolsNames.cfm


I certainly don't see a circumstance where "one size fits all" in your situation. I think you'll have to continue to pursue a multi-legged stool

I am a fan of EPD and ET. I think LNG and electricity produced with gas are going to be important to the world for the foreseeable future. I have owned both for quite a few years.