Re: OLDER FOLK PORTFOLIO 2.0 (OFP 2.0) ... Updated 12/28/2024
Older Folk Portfolio 2.0 objectives:
This portfolio wants to combine growth, income and capital preservation, especially capital preservation. It's a blend of objectives.
Since this portfolio is a blend of growth and income, I'm using VWELX as a benchmark as it too is a blended growth and income fund.
======================================
YTD Performance: (12/28/24) According to Schwab,
Taxable Account ... +17.81%
Tax Deferred ......... +20.28%
VWELX ................ +15.78%
VWELX site: investor.vanguard.com
Portfolio Value: $2,043,046
Annual Income: $82,822
Portfolio Yield: 4.05%
Holdings: 78
========================================
DIVERSIFICATION:
Information Technology . 34%
Financials ...................... 20%
Healthcare ..................... 10%
Industrials ...................... 9%
Utilities ........................... 7%
Cons. Discretionary ....... 7%
Consumer Staples ......... 6%
Energy ........................... 5%
Communications ............ 3%
Real Estate .................... 1%
Materials ........................ <1%
========================================
Symbol ........... % of portfolio
SGOV .... $351,015 ... 17.2% (money market fund)
SPY ........... $107,697 ... 5.3%
AAPL ......... $98,402 ..... 4.8%
MSFT ........ $81,801 ..... 4.0%
SMH .......... $68,310 ..... 3.3%
SCHG ....... $62,656 ...... 3.1%
XLK .......... $60,560 ...... 3.0%
SPMO ...... $48,295 ...... 2.4%
ISRG ........ $48,139 ...... 2.4%
NVDA ....... $47,954 ...... 2.3%
COST ....... $46,895 ...... 2.3%
CAT ......... $42,324 ....... 2.1%
ABBV ...... $41,832 ....... 2.0%
MA .......... $39,915 ....... 2.0%
AFL ......... $36,700 ....... 1.8%
BRK.B ..... $36,521 ....... 1.8%
HD .......... $35,357 ....... 1.7%
OBDC ..... $34,096 ....... 1.7% (largest BDC)
SO .......... $33,256 ....... 1.6%
PGR ....... $32,779 ....... 1.6%
ET .......... $30,848 ....... 1.5% (largest MLP)
AIO ........ $29,745 ....... 1.5% (largest CEF)
MAIN ..... $28,950 ....... 1.4%
DUK ...... $28,168 ....... 1.4%
GD ........ $26,614 ....... 1.3%
RTX ...... $26,260 ........ 1.3%
EPD ...... $22,370 ....... 1.1%
WEC ..... $19,192 ....... 1.0%
AFB ...... $19,476 ........ 0.9% (Muni Bond Fund)
EIM ....... $18,745 ....... 0.9% (Muni Bond Fund)
KO ........ $18,735 ....... 0.9%
EVN ..... $18,519 ....... 0.9% (Muni Bond Fund)
CMG .... $18,293 ....... 0.9%
EFT ...... $18,260 ...... 0.9%
EOS ..... $18,189 ...... 0.9%
AVK ...... $17,688 ...... 0.9%
ETW ..... $15,783 ...... 0.8%
ETY ...... $15,040 ...... 0.7%
JRI ........ $14,750 ...... 0.7%
ARDC ... $13,981 ...... 0.7%
EOI ....... $12,288 ...... 0.6%
JFR ........ $12.,238 ... 0.6%
NBXG ..... $11,768 .... 0.6%
CCD ........ $10,870 ... 0.5%
HTGC ..... $10,723 .... 0.5%
RA .......... $10,632 .... 0.5%
WDI ........ $9,455 ..... 0.5%
BXSL ...... $9,049 ..... 0.4%
RLTY ...... $8,984 ..... 0.4%
DPG ....... $8,853 ..... 0.4%
ASGI ...... $8,725 ..... 0.4%
FRA ....... $8,275 ...... 0.4%
BGB ....... $8,108 ..... 0.4%
PHD ....... $8,012 ..... 0.4%
OCCI ..... $7,989 ...... 0.4%
OXLC .... $7,915 ...... 0.4%
BGX ....... $7,824 ..... 0.4%
BLW ....... $7,645 ..... 0.4%
PTY ....... $7,465 ..... 0.4%
XFLT ...... $7,149 ..... 0.3%
ECC ...... $7,012 ...... 0.3%
BIT ........ $6,731 ..... 0.3%
NXG ...... $5,939 ..... 0.3%
BST ....... $5,923 ..... 0.3%
EIC ........ $5,625 ..... 0.3%
LLY ........ $5,482 ..... 0.3%
JEPQ ..... $5,428 .... 0.3%
SPYI ...... $5,258 .... 0.3%
NVO ...... $5,242 .... 0.3%
UTG ...... $5,063 .... 0.2%
FTHY ..... $4,998 ... 0.2%
UTF ....... $4,920 .... 0.2%
EXG ...... $4,886 .... 0.2%
THQ ....... $4,823 ... 0.2%
PPA ....... $2,442 .... 0.1% (new position this week)
AMP ...... $2,144 .... 0.1% (new position this week)
KR ......... $2,057 .... 0.1% (new position this week)
Note how most of the CEF's are the smallest holdings. I would prefer to own 2 to 3 times more CEF's at a small percentage than to own a few as a large sized position. I want to spread income risk since we know that most CEF's will cut their distribution, but not at the same time. |
