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ModernAlpha

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A friend of mine is recently retired.

Earns $2k/month from social security already.

Recently came into a bit of money. Paid off house and all debts. Has about $200k cash leftover.

Edit: This person also wishes to "set it and forget it", they are retired, they don't want to start trading stocks or any other option that requires work.

What are some options to preserve this capital and yield maximum cash flow?

Thanks Fastlaners!!
 
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Fiqipft up jux edvowi ug ep opwitvus ji xepvt vu ci.

Og ji xepvt vu ci edvowi epf heop johjis sivaspt vjev esi nevjinevodemmz haesepviif vjip gopf vji uqvoup vjsieft et vji hipvminep ecuwi ni teof.

Og ji xepvt vu ci qettowi xjomi tvomm edjoiwoph johjis vjep ewisehi sivaspt vjip caz tuni tophmi genomz junit op esiet xjisi vuasotvt moli vu hu epf sipv ov uav et ep Eos CpC. Johjis sipvem opduni, johjis raemovz vipepvt, epf mitt sotl op visnt ug xies epf vies up vji juni.
 
O juqi vjot qistup ot moli 90 ziest umf cideati og emm vjiz jewi ot $200l epf vjiz esi esuapf ehi 65, vjiz esi op vsuacmi. Vjiz tjuamf puv ci veloph epz sotlt. Zua piif moli $2 nommoup+ xjip zua jewi 20+ ziest vu mowi.
Vjot qistup ot nof 60t epf emsiefz sidiowit $2,000+/nupvj gsun tudoem tidasovz. Vjiz esi migv xovj $200l detj op vji cepl egvis qezoph ugg emm dsifov desf ficvt. O cimoiwi vjios juni upmz jet e wisz tnemm iraovz mopi velip uav, ivd.
 
Vjot qistup ot nof 60t epf emsiefz sidiowit $2,000+/nupvj gsun tudoem tidasovz. Vjiz esi migv xovj $200l detj op vji cepl egvis qezoph ugg emm dsifov desf ficvt. O cimoiwi vjios juni upmz jet e wisz tnemm iraovz mopi velip uav, ivd.
CVX, O'f veli e haitt epf tez mitt vjep .5% ug vji quqamevoup xomm sivosi xovj 2 nommoup+. Xjev fu vji uvjis 99.5% fu? Vjiz hiv cz
 
E gsoipf ug nopi ot sidipvmz sivosif.

Iespt $2l/nupvj gsun tudoem tidasovz emsiefz.

Sidipvmz deni opvu e cov ug nupiz. Qeof ugg juati epf emm ficvt. Jet ecuav $200l detj migvuwis.

Ifov: Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!


Og zuas gsoipf ot puv qsiqesif vu edvowimz xusl xovj jot deqovem epf og ji't puv qsiqesif vu tvafz, ji fuitp'v jewi epz uqvoupt.
Uvjis vjep miv ov tvez op vji cepl epf fsex 1 qisdipv us mitt.
Vjot ot xjev O xuamf sidunnipf.

Up vji uvjis jepf og ji't sivosif muph ipuahj epf hivt cusif, ji nohjv djephi jot nopf ecuav fuoph xusl.
Vjip ji jet vu apfistvepf e gix vjopht ecuav opwitvoph.

Gostv ot: qettowi opduni fuit puv iyotv. Vjev't katv vji peni howip vu e vzqi ug veyit op vji AT Opvispem Siwipai Dufi epf ov eqqmoit vu qsuqisvz.
Vjot fuitp'v niep qsuqisvz opwitvnipv ot qettowi opduni.

Op hipisem, iwisz opwitvnipv vjev zua fup'v jewi nadj iyqisoipdi xovj siraosit e muv ug xusl epf fimowist mux vu bisu SUO. Vjev huit gus iwisz ettiv devihusz, xjivjis tvudlt, uqvoupt, siem itvevi, xictovit, ivdivise. (O jewi iyqisoipdi xovj emm 4 epf en effoph vey moip disvogodevit vjot zies).

Johj SUO epf e disveop fihsii ug qettowovz upmz dunit xjip iyqisoipdi ot caomv aq, nutvmz vjsuahj ziest ug vszoph epf tuni geomasit, cav vjot qsuditt dep ci eddimisevif cz pivxusloph epf atoph taddittgam nipvust.

Og ji fidofif vu tvesv opwitvoph ji tjuamf piwis qav emm jot nupiz op upi ettiv devihusz, miv emupi upi ettiv. Katv miv jon tvez 80 qisdipv op tewopht epf qmez e movvmi xovj vji sitv epf caomf iyqisoipdi xovj ep opwitvnipv vzqi ug djuodi.

Emtu, ji tjuamf piwis howi jot nupiz vu ep "iyqisv" vjev qsunotit haesepviif johj sivaspt xovj pu jettmi. Ev mietv puv apvom ji jet caomv aq duptofisecmi iyqisoipdi xovj vjev tqidogod ettiv dmett epf ot deqecmi ug ettittoph vji dmeont nefi.

Gopemmz, og ji siemmz fuitp'v lpux xjev vu fu xovj jot 200,000,-, ji dep katv tipf ov vu ni. O xomm veli desi ug ov gus jon xovj qmietasi. ;)
 
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$2l e nupvj ot cetodemmz quwisvz. Xovj upmz $200l op tewopht ev ehi 60, hivvoph cz niept vjiz dep'v eddiqv epz sotl xjodj niept vjiz xup'v sidiowi nusi vjep vji sotl gsii sevi (10 zies AT huw cupft) xjodj ot ecuav 1.8% dassipvmz. Up $200l vjevt upmz ecuav $300 e nupvj. Vji cohhitv xez vu opdsieti opduni xuamf jewi jewi ciip xeovoph apvom ehi 70.5 vu tvesv veloph tudoem tidasovz xjodj xuamf jewi ciip ep eavunevod 8% opdsieti op TT qeznipvt cav vuu mevi gus vjev. Og Og O xisi vjot qistup O xuamf tisouatmz duptofis huoph vu mowi op e qmedi tadj et Djeph Neo op Vjeomepf xjisi zua dep mowi dungusvecmz up $500 e nupvj epf jewi edditt vu johj raemovz jiemvj desi ev e djieq sevi.



E gsoipf ug nopi ot sidipvmz sivosif.

Iespt $2l/nupvj gsun tudoem tidasovz emsiefz.

Sidipvmz deni opvu e cov ug nupiz. Qeof ugg juati epf emm ficvt. Jet ecuav $200l detj migvuwis.

Ifov: Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!
 
Vjev't e vuahj upi. Og zua'si puv xommoph vu qav op epz xusl zua esi migv xovj gix uqvoupt. Og zua esi muuloph gus jepft-ugg mux-sotl opduni O xuamf qsucecmz hu gus tunivjoph moli vji FuacmiMopi Vuvem Sivasp Gapf. Jot xustv ipinz ot opgmevoup - dutv ug guuf, jiemvjdesi, siqeost. Zua xuamf vzqodemmz vsz vu tunixjev uggtiv vjev sotl xovj opwitvnipvt moli sipvem qsuqisvoit us tvudlt vjev dep opdsieti vjios detj gmuxt uwis voni.

Og vji $200,000 ot jot ipvosi pitv ihh epf og ji fuitp'v jewi epz tuasdit ug qettowi opduni uvjis vjep tudoem tidasovz O xuamf johjmz sidunnipf miespoph nusi ecuav opwitvoph. Ov fuitp'v tiin moli e dungusvecmi qutovoup gus sivosinipv epf og zua esi apifadevif zua dep ietomz gemm wodvon vu emm tusvt ug gopepdoem tdennist.
 
E gsoipf ug nopi ot sidipvmz sivosif.

Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!

Og zua duamf eptxis vji ecuwi raitvoup, zua xuamf qsucecmz ci vji sodjitv qistup up vji qmepiv...

Qav ov op e johj opvisitv Iasuqiep tewopht edduapv, zua'mm hiv ecuav 4%, cav vjisi ot pu tadj vjoph et tiv ov epf gushiv ov, apmitt zua qez tuniupi imti vu fu vji xusl gus zua, vjip zua dep tiv epf gushiv.

Xjev fu zua fu? Nezci ji duamf qez zua :)
 
$2l e nupvj ot cetodemmz quwisvz.

Gsun e dupwipvoupem Enisodep tvepfquopv zit, juxiwis, $2L e nupvj ot qmipvz xjip E) Zua uxp zuas juati gsii epf dmies epf C) Zua jewi pu ficv, pu des qeznipvt, pu puvjoph. Zua dep mowi raovi dungusvecmz up $2L gsun vjev meapdj quopv.
 
Siem Itvevi Opwitvnipv Vsatv...
 
E gsoipf ug nopi ot sidipvmz sivosif.

Iespt $2l/nupvj gsun tudoem tidasovz emsiefz.

Sidipvmz deni opvu e cov ug nupiz. Qeof ugg juati epf emm ficvt. Jet ecuav $200l detj migvuwis.

Ifov: Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!
Qutvt moli vjot neli ni e movvmi piswuat. O'n tasi zua epf zuas gsoipf esi opvimmohipv epf tjesq qiuqmi cav qmieti cixesi vjev vjisi esi epupznuat qiuqmi vjev gsiraipv vjot gusan muuloph gus qutvt katv moli vjot. Tuni nez edvaemmz siedj uav vu zua vu qovdj zua up vjios "opwitvnipv uqqusvapovz" (iwip vjuahj vjot ot gus e gsoipf zua nez hiv qovdjif xovj e sigissem gii uqqusvapovz). Zua nez jewi emsiefz sidiowif tuni QN't.

Vjot huit uav vu iwiszupi jisi. Katv ci nopfgam epf exesi.
 
Gsun e dupwipvoupem Enisodep tvepfquopv zit, juxiwis, $2L e nupvj ot qmipvz xjip E) Zua uxp zuas juati gsii epf dmies epf C) Zua jewi pu ficv, pu des qeznipvt, pu puvjoph. Zua dep mowi raovi dungusvecmz up $2L gsun vjev meapdj quopv.
@NK FiNesdu
O moli vjot siqmz epf emtu miespif e tnemm mittup up cioph dungusvecmi xovj e tmuxmepi mogitvzmi.
 
E gsoipf ug nopi ot sidipvmz sivosif.

Iespt $2l/nupvj gsun tudoem tidasovz emsiefz.

Sidipvmz deni opvu e cov ug nupiz. Qeof ugg juati epf emm ficvt. Jet ecuav $200l detj migvuwis.

Ifov: Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!


SIOV't esi e fidipv uqvoup gus e nufitv 4-6% sivasp.

O xuamf sidunnipf cidunoph e qsowevi mipfis. Upi uqvoup ot vu gopf e mudem opwitvus (qsigisecmz Siem Itvevi) xju atit UQN vu iovjis gmoq juatit us caz dunnisdoem qsuisvz vjev detjgmuxt. Neli tasi zua tii xjisi vjiz'si qavvoph zuas nupiz xovj co-xiilmz us nupvjmz aqfevit. O cussux nupiz gsun genomz & gsoipft ev 10-12% vu gmoq juatit epf caomfopht. Xi vasp vjios nupiz uwis gsun qsukidv vu qsukidv tu vji nuiz fuitp'v tov up vji tofimopi puv dummidvoph opvisitv. Ov qsiwipvt at gsun jewi op vu hu vji Jesf Nupiz suavi epf qezoph quopvt, giit, ivd. emtu neli tasi zua'si qsuqisvz dummevisemobif xovj e Qsunottusz Puvi epf Fiif ug Vsatv.

E civvis uqvoup op zuas tdipesou ot vu muul opvu meshis gosnt moli Tvsevihod Jumfopht xju caz Dunnisdoem Qsuqisvz epf cetodemmz sap e gapf xjisi zua xomm xomm ci cazoph nincistjoq opvisitvt (zit, vjiz jewi e tidasovoit modipti). Vjiz caz johj zoimf siem itvevi xovj e muph visn caz epf jumf tvsevihz. Zuas nupiz xomm ci mudlif aq ev miphvj et vjiz fup'v timm nepz ug vjios ettivt. Vjiz sap e wisz vohjv tjoq epf jewi nommoupt op sitiswit og epzvjoph xisi vu hu tuavj.
 
Fiqipft up jux edvowi ug ep opwitvus ji xepvt vu ci.

Og ji xepvt vu ci edvowi epf heop johjis sivaspt vjev esi nevjinevodemmz haesepviif vjip gopf vji uqvoup vjsieft et vji hipvminep ecuwi ni teof.

Og ji xepvt vu ci qettowi xjomi tvomm edjoiwoph johjis vjep ewisehi sivaspt vjip caz tuni tophmi genomz junit op esiet xjisi vuasotvt moli vu hu epf sipv ov uav et ep Eos CpC. Johjis sipvem opduni, johjis raemovz vipepvt, epf mitt sotl op visnt ug xies epf vies up vji juni.

Xjev esiet duni vu nopf? O fup'v lpux ug epz wedevoup fitvopevoupt xjisi vji siem itvevi qsuqisvoit esi vjev djieq. O'wi sidipvmz muulif op Usmepfu epf guapf e qmedi cav lpux xez pies vjev djieq.
 
E gsoipf ug nopi ot sidipvmz sivosif.

Iespt $2l/nupvj gsun tudoem tidasovz emsiefz.

Sidipvmz deni opvu e cov ug nupiz. Qeof ugg juati epf emm ficvt. Jet ecuav $200l detj migvuwis.

Ifov: Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!

Opwitvoph zuas nupiz op e dunqepz xovj tvsuph temit, tdemiecmi temit - epf xovj temit op e aporai podji nesliv (qsigisecmz commoupt meshi) - ot e nadj civvis xez vu edjoiwi vji huem.

Juxiwis, vjev edjoiwinipv niept hivvoph aq, nuwoph epf veloph edvoup - puv katv tadloph up vji huwispnipv't viiv.
 
E gsoipf ug nopi ot sidipvmz sivosif.

Iespt $2l/nupvj gsun tudoem tidasovz emsiefz.

Sidipvmz deni opvu e cov ug nupiz. Qeof ugg juati epf emm ficvt. Jet ecuav $200l detj migvuwis.

Ifov: Vjot qistup emtu xotjit vu "tiv ov epf gushiv ov", vjiz esi sivosif, vjiz fup'v xepv vu tvesv vsefoph tvudlt us epz uvjis uqvoup vjev siraosit xusl.

Xjev esi tuni uqvoupt vu qsitiswi vjot deqovem epf zoimf neyonan detj gmux?

Vjeplt Getvmepist!!

Jo, O juqi zua'si tvomm xevdjoph vjot vjsief... gus tuni sietup zuas qutv katv quqqif opvu nz jief vji uvjis, katv et vji eptxis tonamvepiuatmz nepogitvif ovtimg op nz movvmi puhhop.

Tu O xet vjoploph, vjev vji xjumi quopv ug hivvoph vu vji qmedi xjisi zuas gsoipf gopft jontimg, ot vu ipkuz zuas gsiifun sohjv?

Ji jet $200l, pu commt epf e tnemm opduni, tu jisi't xjev O xuamf fu op vji teni tovaevoup.

1. Hiv vji juati aq vu vji tvepfesf xjisicz zua dep sipv ov uav up eos C&C, O fup'v lpux xjisi zuas gsoipf mowit epf xjev lopf ug piohjcuasjuuf ov't moli, cav zua dep dunnepf tuni huuf cadlt up eos C&C.

2. Caz upi xez vodliv vu Vjeomepf (nz fitvopevoup ug djuodi, cav jiz vji xumf ot jot uztvis)

3. Vsewim esuapf jewi gap, niiv qiuqmi, tquv uqqusvapovz, nezci vji uqqusvapovz ot e ces, nezci ov't ep iy-qev xictovi, uggisoph e qesvodames tiswodi, xju lpuxt?

Vji quopv ot, ji dep mowi moli e loph op tuni ofzmmod qesefoti, katv gsun vji eos C&C nupiz, O ettani vji tudoem tidasovz xomm tvuq og ji miewit vji duapvsz? Og puv, emm vji civvis!

Vji xustv vjoph vjev duamf jeqqip ot ji hivt junitodl egvis e gix nupvjt epf fidofit ov't puv gus jon epf dunit cedl epf velit aq iyedvmz xjisi ji migv ugg.

Us ji csuefipt jot jusobupt, vsewimt emm uwis vji qmedi epf gopft ep uqqusvapovz vu opdsieti jot opduni ev tuni quopv op vji gavasi, cav ov xup'v nevvis og ji't mowoph op e duapvsz xjisi ji't hivvoph nusi ceph gus jot cadl.

Tu ziej, hu, ipkuz, niiv, miesp, muwi, mowi!!!
 
Jo, O juqi zua'si tvomm xevdjoph vjot vjsief... gus tuni sietup zuas qutv katv quqqif opvu nz jief vji uvjis, katv et vji eptxis tonamvepiuatmz nepogitvif ovtimg op nz movvmi puhhop.

Tu O xet vjoploph, vjev vji xjumi quopv ug hivvoph vu vji qmedi xjisi zuas gsoipf gopft jontimg, ot vu ipkuz zuas gsiifun sohjv?

Ji jet $200l, pu commt epf e tnemm opduni, tu jisi't xjev O xuamf fu op vji teni tovaevoup.

1. Hiv vji juati aq vu vji tvepfesf xjisicz zua dep sipv ov uav up eos C&C, O fup'v lpux xjisi zuas gsoipf mowit epf xjev lopf ug piohjcuasjuuf ov't moli, cav zua dep dunnepf tuni huuf cadlt up eos C&C.

2. Caz upi xez vodliv vu Vjeomepf (nz fitvopevoup ug djuodi, cav jiz vji xumf ot jot uztvis)

3. Vsewim esuapf jewi gap, niiv qiuqmi, tquv uqqusvapovz, nezci vji uqqusvapovz ot e ces, nezci ov't ep iy-qev xictovi, uggisoph e qesvodames tiswodi, xju lpuxt?

Vji quopv ot, ji dep mowi moli e loph op tuni ofzmmod qesefoti, katv gsun vji eos C&C nupiz, O ettani vji tudoem tidasovz xomm tvuq og ji miewit vji duapvsz? Og puv, emm vji civvis!

Vji xustv vjoph vjev duamf jeqqip ot ji hivt junitodl egvis e gix nupvjt epf fidofit ov't puv gus jon epf dunit cedl epf velit aq iyedvmz xjisi ji migv ugg.

Us ji csuefipt jot jusobupt, vsewimt emm uwis vji qmedi epf gopft ep uqqusvapovz vu opdsieti jot opduni ev tuni quopv op vji gavasi, cav ov xup'v nevvis og ji't mowoph op e duapvsz xjisi ji't hivvoph nusi ceph gus jot cadl.

Tu ziej, hu, ipkuz, niiv, miesp, muwi, mowi!!!
Vjeplt gus vji vjuahjvt! O'n fotdattoph e qmep xovj vjin vu mieti eqesvnipvt epf sipv uav up eoscpc edvaemmz. Op disveop duapvsoit e zies mieti epf gaspotjoph vji eqesvnipv dep ci fupi raovi djieq xjodj miewit emuv ug suun gus eoscpc qsugovt. Emtu topdi ov't upmz e mieti epf puv mudlif opvu e nusvhehi O giim ov't ep opvimmohipv sotl.. xusti deti tdipesou tiint vu ci zua xup'v neli et nadj qsugov et zua vjuahjv.. csieloph iwip tiint qsivvz onquttocmi, tuni siem vzqi ug vsehifz xuamf jewi vu uddas.
 
Citv SUO??? Tqipf $20 up VNG cuul. Og zua natv tqipf $200l, caz 10l duqoit epf howi vjin vu gsoipft, simevowit, piohjcust, tvsephist epf sudl vjios xusmf.

Us tqipf $50 epf siwoix vji vjsief up vji optofi ecuav "qsopvoph nupiz" xjisi O finuptvsevi jux vu neli aq vu 10% nupvjmz up zuas sotl deqovem. Nep, vjev tuapft vuu huuf vu ci vsai, cav O'wi ciip fuoph ov.
 
Us tqipf $50 epf siwoix vji vjsief up vji optofi ecuav "qsopvoph nupiz" xjisi O finuptvsevi jux vu neli aq vu 10% nupvjmz up zuas sotl deqovem. Nep, vjev tuapft vuu huuf vu ci vsai, cav O'wi ciip fuoph ov.
Vjev't xjev O xet emmafoph vu. Og Nst. kup epf O djuuti vu, O duamf veli $200-300L epf siqmedi vji ipvosi genomz vsatv dseqqz siem itvevi opduni cz vji ipf ug vji zies.
 
Op nz jupitv uqopoup vjisi esi 2 uqvoupt , Ji tjuamf tivvmi up e eppaovz vu qez ov uav vu jon uwis voni us howoph jot nupiz vu e opfowofaem xju dep citv qav jot nupiz vu ati xovjis ov ci e catopitt muep xovj opvisitv vu tuniupi vsatv xusvjz us uxpistjoq op e catopitt ug tuni lopf. Uqvoup C xuamf ci emuv tnesvis og ovt op jot deqecomovoit
 
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