The problem with all in SPY is this...

During the significant bear market, SPY may return -20% to -30%, you may be forced to sell stock without reliable cash inflow, both due to necessity or due to emotion.

Having reliable cash inflow ensure you can weather those market downturns

所有跟帖： 

• 對的。所以要看比例。你的假設是每年2%. 即使腰斬也就4%. 沒什麽問題。而且SPY漲了後，每年2%都不用 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 11:49:55

• 如果隻有1M， 那SPY法就不成立。大概要5M -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 11:53:30

• 我覺得不會。 SPY的分紅本身就是2% 左右，以前更高 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 12:02:04

• 看了一下那段時間SPY avg dividend yield is 1.88%. 拿二十萬沒問題 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 12:07:22

• 如果取的錢和分紅相當，就沒問題。所以要5M才可以。和你的CVX思路是一樣的 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 12:11:46