Can i earn 10k a month with 3M?

I just want to earn more than a doctor

  1. 7 days ago
    Anonymous

    You could have with Luna. Now you cannot

    • 6 days ago
      Anonymous

      You still can when staking LUNC once it hits one united states dollar

    • 6 days ago
      Anonymous

      If you turn 3 million USD into 233800 AVAX and stake them you will make at current prices around 18000 USD per month.

      Check out SCHD and JEPI for income stocks.
      Go all in SCHD. Your 3 million will continue to grow (just hold through the bear market for stocks) but you will also receive 3.4% dividend, which will be 100k a year.

      Congrats on making it, you should ask more advice in smg but this is realistically your best split between growth and income.

      Ser buy my shitcoins SER 100% safe and not scam

      • 5 days ago
        Anonymous

        >JP Morgan ETF is a shitcoin
        >Charles Schwab Dividend ETF is a shitcoin

        Stay retarded biz

  2. 7 days ago
    Anonymous

    If you turn 3 million USD into 233800 AVAX and stake them you will make at current prices around 18000 USD per month.

    • 7 days ago
      Anonymous

      You will turn the 3m to 18000 in a month*

      • 6 days ago
        Anonymous

        no you will turn it in $300 million making $1.3 million a month.

    • 6 days ago
      Anonymous

      Plenty of dividend stocks from safe companies that have been around 200+ years that pay 6%+ (Canadian banks for example). That's 180k per year, so yeah.
      You could also invest in income oriented covered call ETFs like JEPI that pay a lot more. Whatever you do, don't listen to turkroaches shilling AVAX like this retard:

    • 6 days ago
      Anonymous

      Its basically free money holy shit.

      https://i.imgur.com/SG6g7oA.png

      I just want to earn more than a doctor

      wtf did a doctor steal your gf bro? t/dr chad

    • 6 days ago
      Anonymous

      Imagine putting millions of dollars onto sketchy exchanges to buy shitcoins. Just imagine.

    • 6 days ago
      Anonymous

      AVAX is going to cum on people's faces soon. Many are underrating it despite seeing top IPs like Marvel, Disney, and Family Feud building on them. I'm slurping up AVAX as if my life depends on it.

      • 5 days ago
        Anonymous

        >top IPs like Marvel, Disney, and Family Feud building on them
        None of these are building on AVAX.

      • 5 days ago
        Anonymous

        Huge ecosystem i must say, with AllianceBlock catching my attention alongside Trader Joe of recent.

    • 6 days ago
      Anonymous

      it will work for 3 months and then the whole thing collapses

  3. 7 days ago
    Anonymous

    not anymore. Especially not with any shitcoins

  4. 7 days ago
    Anonymous

    Check out SCHD and JEPI for income stocks.
    Go all in SCHD. Your 3 million will continue to grow (just hold through the bear market for stocks) but you will also receive 3.4% dividend, which will be 100k a year.

    Congrats on making it, you should ask more advice in smg but this is realistically your best split between growth and income.

  5. 7 days ago
    Anonymous

    that's 1% a month on 1m, of course you can. you can earn that on any megacap stock per month with ease

    • 6 days ago
      Anonymous

      Now do after inflation and taxes

    • 6 days ago
      Anonymous

      $10k a month is $120k a year that is not 1% of 1m you retard.

  6. 7 days ago
    Anonymous

    Easily.

  7. 7 days ago
    Anonymous

    Boglehead here.
    SP500 averages 10% nominal returns (7% real returns) each year
    sometimes it does better, sometimes it does worse
    But ON AVERAGE you will make $210,000 per year if you just park that 3M in the SP500, or $17,500 per month.

    • 7 days ago
      Anonymous

      What are your holdings? I got permanently banned from /r/bogleheads for calling Dave Ramsey a boomer grifter who offers no real wisdom. I mainly hold VT/VTI/VOO. I know there's a lot of redundancy there, but I was still learning when I bought them and I figure there's no point in selling at this point. I just automatically buy VTI now. If I want international exposure, I might just simplify and have a balance of VTI/VXUS. VT has too much international exposure for my liking (about 40% I think).

      • 7 days ago
        Anonymous

        >I got permanently banned from /r/bogleheads for calling Dave Ramsey a boomer grifter who offers no real wisdom.

        kek you insulted their savior

        • 6 days ago
          Anonymous

          What are your holdings? I got permanently banned from /r/bogleheads for calling Dave Ramsey a boomer grifter who offers no real wisdom. I mainly hold VT/VTI/VOO. I know there's a lot of redundancy there, but I was still learning when I bought them and I figure there's no point in selling at this point. I just automatically buy VTI now. If I want international exposure, I might just simplify and have a balance of VTI/VXUS. VT has too much international exposure for my liking (about 40% I think).

          How the hell did /r/bogleheads come to worship Dave Ramsey?

          • 6 days ago
            Anonymous

            they dont
            typically top comments around him are that he's good at explaining to dumb people how to get out of debt, but has very little good investing advice

            • 6 days ago
              Anonymous

              >sell your car
              >top tier advice
              ramsey is a fag

      • 6 days ago
        Anonymous

        I just hold vtsax. I find holding anything else, other than bonds to be a waste, since the market is already globalized and for the time being American centric already.

    • 7 days ago
      Anonymous

      past results not indicative of future returns
      can't wait till the fed never pivots and the bogletards lose all their money

      • 6 days ago
        Anonymous

        This. This will be the age of the stock picker/sector picker. Or trader. We are not going back to "before"

    • 6 days ago
      Anonymous

      based. boomercore kid here. S&P500 for 401k (best offering) and VTSAX otherwise, is chill

      can't win big, but certainly can't lose

      • 6 days ago
        Anonymous

        >certainly can't lose

        fucking retard

        • 6 days ago
          Anonymous

          explain how investing in a cap-weighted index of the entire market could possibly fail within 30-50 years

          • 6 days ago
            Anonymous
            • 6 days ago
              Anonymous

              chinks? ok then
              ping cheng ding dong chow fung to you

          • 6 days ago
            Anonymous

            Ever heard of the Nikkei? The old Nasdaq featuring pets and AOL? How old are you? Why aren’t you buying VEA and VWO

            • 6 days ago
              Anonymous

              VGT is ok

              • 6 days ago
                Anonymous

                It is which is why I’d rather own QQQ

  8. 7 days ago
    Anonymous

    Sdiv dividend yield is at 14% rn. That works out to 35k a month off of 3 million.

    • 7 days ago
      Anonymous

      SDIV? isnt that down like 70% in 10 years kek

      stocks are supposed to go up, who cares if you're getting 14% if stock loses 7% yearly average xd

  9. 7 days ago
    Anonymous

    Yes, very easily. Even if you invest very conservatively.

  10. 7 days ago
    Anonymous

    If you're willing to take a risk, invest it into a covered call ETF like QYLD. If you invested around 1.2 - 1.4M right now you'd have around 10k a month in dividends, give or take, assuming the payout remains roughly what it is right now.

  11. 7 days ago
    Anonymous

    Easily 10k/m = 120k/y = 4% of $3mil, and short term treasuries are yielding 4% now.

    Now if you wanted to earn $10k/month inflation-adjusted forever then you'll need to go stocks. But the typical rule is 4% for indefinite withdrawal if you meet the market So $10k/m, increasing with inflation, would be likely possible if you were 100% VTI for example.

  12. 7 days ago
    Anonymous

    >buy 10 houses
    >have rent be 1k minimum
    Really easy and that's an extreme low ball.

  13. 7 days ago
    Anonymous

    You should look at diversifying your income; public equity, dividends(preferred, common, private), interest income, royalties, rental income, private equity etc
    Throw 1% in some shitcoins

    At the end of the day it depends on your goals, tax planning, current income sources, risk appetite etc

    • 6 days ago
      Anonymous

      Diversifying is a good thing; metals, utilities, real estate, retail, tech, foreign, etc. But you also realize, depending upon the individual stock selections, you can achieve that level of diversity within the market.

      My personal rule is no employees, no inventory. Too much work and problems.

      I do it all with just growing money.

      • 6 days ago
        Anonymous

        assume this is vanguard?

        • 6 days ago
          Anonymous

          actually this account is all loaded into TD Ameritrade.

          I use Vanguard also, but TD Ameritrade is easier to navigate and offers excellent support and education on all matters of investing and trading.

          just my style.

      • 6 days ago
        Anonymous

        nice mix. pretty complex but i feel like you put alot of thought into it.

        i'd like your opinion on the "international" mix. i'd argue most everything is considered international given the rise of globalization. plenty of US companies have international exposure. i feel like those funds are simply ex-US companies for the stake of supposed diversity.

        • 5 days ago
          Anonymous

          As I review the actual holdings within the international funds - they are invested in overseas companies that are clearly headquartered outside of the USA.

          That said, I agree 100% that many US based corporations have global reach; nike, apple, microsoft, coke, ford...

  14. 7 days ago
    Anonymous

    where I live, 22.5k doing absolutely nothing with 3M

  15. 7 days ago
    Anonymous

    >3m at 4% is 120k a year or 10k a month
    literally FDIC insured CD's are offering 4% a year

    • 6 days ago
      Anonymous

      Seriously you can earn 4% in really safe ways RN, most recent 13 week US T-Bill auction was over 4%.

      • 6 days ago
        Anonymous

        only problem is if/when FED lowers the FFR, you'll be stuck reinvesting in falling yields

        if desired to lock the rate in would be better off buying 10yr bond above 4%

  16. 6 days ago
    Anonymous

    So sick of not having enough income in life bros. Career and salary gains are happening but its slow. Thinking of throwing all my money into an even split of QYLD/ RYLD/ XYLD/ JEPI/ JEPQ/ SCHD, and hopefully one day ill be free.

    • 6 days ago
      Anonymous

      >Thinking of dumping income into stocks
      You should have already started mate, your exit of the rat race would accelerate over time due to compound interest and job income + rising stocks income

    • 6 days ago
      Anonymous

      not a bad spread

  17. 6 days ago
    Anonymous

    not benig in qld right now is braindead, you caugh the bottom and you wanan buy retirement shit lol even tqqq or upro would be good

  18. 6 days ago
    Anonymous

    You could earn 10k a month with 1.2M using covered call ETFs

    • 6 days ago
      Anonymous

      Redpill me on covered calls. I was looking into all that but got focused on crypto a few years ago instead

  19. 6 days ago
    Anonymous

    Yes. I'm assuming you're ok with averaging 120k/year right? Like it doesn't really matter that you get your paychecks every week right?

    In which case, you can easily invest a your portfolio in a completely diversified manner and collect dividends for quarterly-based income. For a total portfolio size of 3 million, you could easily break a 10k/month equivalent income; probably aiming closer to around 20k-25k/month equivalent.

    And yes you could literally get somebody at vanguard to do it for you, and they'll just take their fee off the top, you'll still get a very large portion of the income. Vanguard is known for having the lowest expenses, and lowest fees of any financial company. They have a coined term called "the Vanguard effect" where once they enter a new market for the first time, their extremely competitive fee structure forces all other financial institutions to follow suit.

  20. 6 days ago
    Anonymous

    >$3mil to flow $120k year
    If I ever want to sell my business I’ll give you a call anon

  21. 6 days ago
    Anonymous

    You used to be able to with Gemini Earn but we all see how that turned out.

  22. 6 days ago
    Anonymous

    Just put it in the S&P nagger

  23. 6 days ago
    Anonymous

    Short VIX futures to make contango gains at every rollover. Just don't do it before the upcoming VIX megaspike and make sure you won't get margin called if VIX spikes hard enough.

  24. 6 days ago
    Anonymous

    Buy a 1-yr us treasury

    • 6 days ago
      Anonymous

      >negative real rate
      wouldn't 1YR TIPS be better assuming inflation doesn't drop that much?

      • 6 days ago
        Anonymous

        https://www.investopedia.com/articles/investing/102215/3-reasons-stay-away-tips.asp

        Who cares about negative real rates? If he buys stocks the risks are way too high to risk $3M. Crypto is clearly out of the question, unless he wants to anhero next year.

        A 1-yr Treasury at 4.7% is a guaranteed $141k, with almost 0 risk. Unless the dude lives in a mansion, $141k/yr will easily cover his lifestyle. TIPs just add more bullshit he has to worry about.

        Just buy the 1-yr, hold it to maturity and call it for the year.

        • 6 days ago
          Anonymous

          >A 1-yr Treasury at 4.7%
          It will most likely underperform the YoY CPI a year from now

          • 6 days ago
            Anonymous

            maybe so, but current market pricing expects 1yr inflation to be ~3.2%, thus 1yr treasury currently has an expected real yield of 1.5%

            https://fred.stlouisfed.org/graph/?g=WBiA

            • 6 days ago
              Anonymous

              Yes, but the market is wrong about future inflation, we agree on this, right? So if inflation will be much worse than priced in then TIPS will be better than expected and the real yield of 1-year bonds will be way below 1.5%, quite likely even below 0%.

              • 6 days ago
                Anonymous

                >Put $3M in a 1-yr Treasury, get a guaranteed $141k.

                >Put $3M in the stock market, risk losing $600k if the market goes into a deep recession and corrects by 20%.

              • 6 days ago
                Anonymous

                We're not talking about the stock market, we're talking about buying TIPS, like on TreasuryDirect.

              • 6 days ago
                Anonymous

                TIPS will hold a real yield better if inflation expectation goes up, if it goes down then 1yr would be better
                historically inflation comes in waves so it is more likely to see inflation drop for a period after peaking out, before coming back again later. In either case, TIPS or otherwise, it is likely to be a bumpy ride. It's just that since TIPS are longer duration (minimum 5 year), they will be more volatile and potentially more risky than a 1yr if you decided to liquidate them before maturity.

              • 6 days ago
                Anonymous

                >TIPS are longer duration
                well don't buy brand new ones then

  25. 6 days ago
    Anonymous

    You can make ~150k. What I use cuz I’m lazy: https://lite.instadapp.io/

    • 6 days ago
      Anonymous

      150k per year I mean. It’s late here.

  26. 6 days ago
    Anonymous

    >CDs and t-bonds
    OP needs to look at muni bonds and calculate the yield equivalency.

  27. 6 days ago
    Anonymous

    yes you should be looking at a purely fixed income portfolio of government bonds or highly rated corpos

  28. 6 days ago
    Anonymous

    yes, buy some dividend aristocrat - for example 3M

  29. 6 days ago
    Anonymous

    With a good trading strategy, you can easily make 10% (300k) monthly with such an amount. This money is huge enough for me to earn passively from and then have more fun time with my family to stream board games on GameStar+.

    • 6 days ago
      Anonymous

      >you can easily make 10% monthly
      >easily
      lmao fuck off

  30. 6 days ago
    Anonymous

    It's not retarded to invest $3m at this time.Privacy assets have had some good gains recenlty, may be a good industry to check with

  31. 6 days ago
    Anonymous

    $10k a month is hard because you would have to buy shit stocks with high dividend yields, but getting 3% a year in dividends or $7.5k a month is relatively easy. Combine a few huge oil stocks with a few blue chips like JNJ, P&G, MCD, etc and you could easily get the average to 3%

    • 6 days ago
      Anonymous

      And all it would cost him is massive loss to his principle as the market continues to experience seizures on the brink of a recession.

  32. 6 days ago
    Anonymous

    lol what 3rd world shit hole are you living in where docs are making 120k? My base salary is 470k and ends up being about 570k with bonuses, and I'm not even in some competitive surgical subspecialty. Nurses midlevels make more than 120k, the fucking "project managers" who do nothing all day make more than that

    But yes with 3 million you historically can make 10k a month in passive income

    • 6 days ago
      Anonymous

      Only in the Usa you will see these numbers

  33. 6 days ago
    Anonymous

    for me it's fisherman's friend

  34. 5 days ago
    Anonymous

    Buy some web3 assets, normie

    • 5 days ago
      Anonymous

      Based anon, web3 is the future of crypto and I have eyes on a few platforms in the sector like Sylo for decentralised communication and Arweave for decentralized storage

  35. 5 days ago
    Anonymous

    Can someone dumb this down for me. I don't get it but this seems like a good thread.

    Why would I want 10k/month if I already have 3 mil?

    • 5 days ago
      Anonymous

      keep the 3M and "earn" 10K per month (120K per year).

      If you apply yourself, you can grow the 3M to 4M or beyond - plus keep "earning.".

      Thank me later.

      • 5 days ago
        Anonymous

        I've been swing trading shares. Namely uranium for $100 profit per swing.

        But putting a large sum into etf or index funds, seems simpler.
        My only etf is VTI

  36. 5 days ago
    Anonymous

    >Buy 7500 shares of SPY.
    >Sell CCs with roughly .20 delta at 45DTE
    >Profit a wagie's yearly salary in one month, every month of the year.
    >Use some profits to hedge with deep OTM LEAPS Puts at .20 delta in case of negative black swans.
    >Use spare some profits for deep OTM LEAPS Calls, roughly .20, for positive black swans.
    >Literally profit from every market situation.

  37. 5 days ago
    Anonymous

    So what im able to take from this thread is to pretty much use a good index fund as my "bank account "

    Right?

  38. 5 days ago
    Anonymous

    Redpill me on triple leveraged etfs like UPRO bros
    Why shouldn’t I all in on it

  39. 5 days ago
    Anonymous

    Yes easily. Its easy to find some pretty safe bonds and money market funds that pay close to 5% per annum. That is $150k a year on a 3M investment. Thats more than 10k per month.

    Honestly fixed income is the most lucrative market out there right now. Everything else is still in a bubble.

    • 5 days ago
      Anonymous

      >Its easy to find some pretty safe bonds and money market funds that pay close to 5% per annum

      There are a number of decentralized yield farming opportunities that can would offer you this, it's worth giving a look since it's noncustodial as opposed to CeFi opportunities. You can as well leverage on SpoolFi to help diversify across multiple yield farming protocols.

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