Silicon Investor (SI) -- The First Internet Community

STOCKTALK

We've detected that you're using an ad content blocking browser plug-in or feature. Ads provide a critical source of revenue to the continued operation of Silicon Investor. We ask that you disable ad blocking while on Silicon Investor in the best interests of our community. If you are not using an ad blocker but are still receiving this message, make sure your browser's tracking protection is set to the 'standard' level.

Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: chowder who wrote (24489)	12/31/2025 8:29:15 PM
From: eaglebear	2 Recommendations Recommended By LCES Markbn Read Replies (1) \| Respond to of 25829

Chowder I am curious as I look it the portfolio closely in particular. My chowder number across portfolios is 9.39. Income grew 11.3%. Outside money was added but RMDs also taken. TR just close enough to call it 12%. Yield 3.89%. You have way more in tech than me, but income gained in large measure through CEF's. What was the portfolio TR and dividend growth numbers for 2025 if you have them. I am trying to add more tech but happy with my portfolio from an income and safety perspective.

To: chowder who wrote (24489)	1/1/2026 5:15:26 AM
From: chowder	3 Recommendations Recommended By ddbpaso Menominee stockpickeron Read Replies (1) \| Respond to of 25829

Re: Intrinsic Values ... This comment is linked to the updated Retirement Portfolio. In starting out the New Year, I'll be looking for value until I see what growth stocks do as we go along. Listed below are the holdings in the Retirement Portfolio that are undervalued based on their Intrinsic Value (IV). These are the companies I'll be looking to add to first. Symbol ... Discount To IV PRU ...... -51% ALL ....... -37% VZ ......... -34% OKE ...... -30% DUK ...... -29% COP ...... -20% MRVL ... -19% (with a growth factor) NEE ...... -19% AEP ...... -18% CARR ... -17% ENB ..... -16% MO ...... -16% NVDA .. -16% (with a growth factor) SO ....... -16% PEP ..... -13% O ......... -1% CVX .... Fair Value

To: chowder who wrote (24489)	1/30/2026 10:40:47 PM
From: chowder	Respond to of 25829

Re: RETIREMENT PORTFOLIO ... Updated 01/30/2026 Retirement Portfolio Objectives: This portfolio wants to focus on income with a growth element. Ideally, I would like to have the Chowder Number around 10.0, that gives me a nice up front yield with respectable dividend growth going forward. Dividends and distributions are what fund this portfolio. This person is still working, his wife is as well, and they both have 401K's and real estate other than their primary address in addition to this rollover portfolio. I only manage the rollover, not their other investments. ====================================== Portfolio Value: $929,357 Annual Income: $43,949 Portfolio Yield: 4.73% Dividend Growth: (5 years) 6.3% Chowder Number: 11.03 (need to stay above 8.0) Beta: 0.95 Holdings: 70 ======================================== DIVERSIFICATION: Technology ............ 22% Industrials ............. 15% Financials ............. 10% Staples ................. 10% Utilities .................. 10% Real Estate ............ 8% Energy ................... 7% Healthcare ............. 6% Discretionary ......... 5% Communications ... 5% Materials ............... 1% ====================================== Symbol ....... Value .... % of Portfolio (1.5% = Full Position) EQUITIES: MO ........... $37,342 ... 4.0% PRU ......... $29,809 ... 5.4% SO ........... $26,028 ... 3.1% NVDA ...... $24,628 ... 2.7% AVGO ...... $24,443 ... 2.6% DUK ........ $22,866 .... 2.5% CVX ........ $18,442 .... 2.0% VZ ........... $17,436 .... 1.9% CMI ......... $17,230 .... 1.9% COST ...... $16,387 .... 1.8% CAT ......... $16,327 .... 1.8% PEP ......... $16,227 .... 1.7% JNJ .......... $15,870 .... 1.7% PH ........... $14,973 .... 1.6% GEV ....... $14,829 .... 1.6% TXN ........ $14,220 .... 1.5% ABBV ...... $14,049 .... 1.5% LLY ......... $13,492 .... 1.5% VRT ........ $13,033 .... 1.4% ENB ........ $12,991 .... 1.4% NEE ....... $12,859 .... 1.4% FAST ..... $12,754 .... 1.4% AFL ....... $12,642 .... 1.4% TJX ....... $12,445 .... 1.3% ROK ...... $12,372 .... 1.3% HD ........ $11,760 .... 1.3% MA ........ $11,558 .... 1.2% PG ........ $11,433 .... 1.2% OKE ..... $11,301 .... 1.2% GLW ..... $9,805 ..... 1.1% GOOGL ... $9,349 ... 1.0% LIN .......... $9,076 ... 1.0% COP ........ $8,992 ... 1.0% AMZN ..... $8,933 ... 1.0% ASML ..... $8,933 .... 0.9% CARR ..... $8,195 ... 0.9% MRVL ..... $8,129 ... 0.9% NDAQ .... $8,049 ... 0.9% PLTR ..... $7,466 ... 0.8% SWK ..... $762 .... 0.1% (Just opened today) SHW ..... $534 .... 0.1% (Just opened today) ETF's: SMH ......... $35,089 ... 3.8% SPYI ......... $22,982 ... 2.5% IYRI .......... $20,266 ... 2.2% JEPQ ........ $13,966 ... 1.5% XLK .......... $12,230 ... 1.3% REIT's: O .............. $38,221 ... 2.9% BDC's: MAIN ....... $13,717 .... 1.5% CEF's: NBXG ....... $15,804 ... 1.7% UTF .......... $12,925 ... 1.4% ETW ......... $11,831 ... 1.3% AVK .......... $11,754 ... 1.3% PFN ......... $10,974 ... 1.2% ASGI ....... $10,897 .... 1.2% JRI .......... $10,791 .... 1.2% BCAT ...... $10,658 .... 1.1% NXG ....... $10,554 .... 1.1% AIO ......... $9,418 ..... 1.0% BST ........ $7,860 ..... 0.8% AOD ....... $7,819 ..... 0.8% CHW ...... $7,770 ..... 0.9% UTG ....... $7,176 ..... 0.8% FTHY ..... $7,019 ..... 0.8% PTY ....... $6,705 .... 0.7% ADX ...... $6,458 .... 0.7% ERH ...... $6,038 .... 0.6% ISD ........ $6,001 ... 0.6% ARDC ... $5,851 .... 0.6% DLY ....... $5,746 ... 0.6% WDI ....... $5,213 ... 0.6% ================================================ 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.