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： 

• 对的。所以要看比例。你的假设是每年2%. 即使腰斩也就4%. 没什么问题。而且SPY涨了后，每年2%都不用 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 11:49:55

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

• 我觉得不会。 SPY的分红本身就是2% 左右，以前更高 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 12:02:04

• 看了一下那段时间SPY avg dividend yield is 1.88%. 拿二十万没问题 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 12:07:22

• 如果取的钱和分红相当，就没问题。所以要5M才可以。和你的CVX思路是一样的 -QQQ2074- ♂ (0 bytes) () 08/18/2024 postreply 12:11:46