You're here because you're wanting to know how you can possibly generate 40 50 or even 60 000
annually in your roth ira and by the end of this video i'm going to show you a few ways
you can do that many of the investments we're going to be looking at today can provide you a 3
yield all the way up to about an eight percent yield i even found an investment for you guys
that can provide you up to an eleven percent yield if you're up for living on the wild side
in our last video in this series we talked about growing your roth ira
to a million dollars and what investments could actually help get you there by the way if you
haven't seen that video you should really go check that out these investments are going
to provide you significantly more cash flow so hopefully we can get enough cash flow from your
roth that is tax free that you never have to touch the principal and this income will last
you for the rest of your life the etfs i'm about to show you in this video are going to be able
to give you much higher yields than your average investment so many of you requested this video i
must have got like 20 requests like just within a day or two for this video so if you want cash flow
this is where the cash flows at in the stock market the best part of all is the type of income
the government can't touch hands off our money government you've taken enough
tap the like button if you don't like the government touching your money
but no seriously it would really mean a lot to me if you did tap the like button because otherwise
you the youtube algorithm takes my videos and my whole channel and throws it over a cliff so please
save my channel from going over that cliff by hitting the like button today i really appreciate
it if you understand taxes and how to invest tax efficiently well then you're gonna understand
why these type of investments are actually best suited within your roth account these type of high
alien investments is what the roth excels at you want high streams of income tax free and that is
what the roth can do for you at the point in which you're ready to turn your roth ira account into a
cash cow this is when you want to trigger these investments if a person sells off their growth
investments too early they can actually hinder the overall growth of their account balance over
the long run especially if they don't need the income right now which is why i would stick with
growth until you're closer to retirement if you've been studying the stock market for any
given period of time you'll quickly realize like the average yield for if you're looking
for dividends is usually like two to three percent on most investments well that's not the case here
starting with the lowest yields and working our way up the lowest yielding investment
we're looking at today is vanguard's vym which is vanguard's high dividend yield fund when they say
high yielding i think it's kind of misleading now when i look at this because you can see that the
price appreciation of this investment has gone up so much that the yield has fallen to about three
less than three percent actually and so three percent if you're getting like two and a half
three percent it's really not a lot if even if you have a million dollars that's only like 25 to 30
000 a year in income it's not that much although the yield is not that high it's still an option
because it's got great price appreciation and secondly the holdings of this fund i
think are pretty stellar i think you can have a long-term sustainability of the income streams
from this investment because of the type of companies it owns if you want something closer
to the four percent yield range then take a look at spyd this is the spyder portfolio s p 500 high
dividend etf half of this etfs funds are invested in consumer cyclical type of investment so you got
about a quarter of it in real estate you got a quarter of it in financials roughly then you got
some utilities you got health care energy and things like that the price appreciation on this
fund is really nothing to brag about because if you look at the graph if you look at the period
before covid like we're looking at here you can see it really didn't appreciate much in value but
you did have steady streams of income definitely more of an income focused investment i would not
expect much growth or much appreciation from this okay let's move you into those higher yields now
let's go from like two to four percent now let's bump that up to seven or eight percent how does
that sound right let's do it rock that world rock the world nationwide risk managed income
etf is the first one i want to talk to you about ticker symbol is n-u-s-i so this investment seeks
current income with downside protection the fund is actively managed exchange traded etf that seeks
to achieve its investment objective principally by investing in a portfolio of the stocks included in
the nasdaq 100 index and an options caller mix of written sold call options and long bot put options
on the nasdaq 100 it is non-diversified we're going to be looking at a couple different covered
call option etfs and these investments are fairly new they haven't been around for a long time
but they are very high yielding and are gaining popularity quite quickly the reason these type
of etfs can collect such a high dividend yield is because essentially they are selling and writing
covered call options to investors there the fund is selling insurance to investors so the
dividend you're getting it's really not so much like earnings from a company it's more so like
more so like you're collecting insurance premiums from other investors who are buying covered call
option contracts now i know that was like a really dumbed down very very basic explanation
but there's a ton of videos on youtube that cover different covered call options you can check them
out i'm not going to produce a video on that just there's just so many already out there
that explains these type of things in much greater detail one of the things i like about nusi
is it has it buys puts which gives it downside protection if the investments go down in value
but also the graph on this and price appreciation is pretty good it's only been around for about
a year because these things are brand new but you get about a seven percent yield plus price
appreciation not a bad combo at all in my opinion oh and did i mention it pays monthly every month
it pays you the jp morgan equity premium income etf is the next covered call option
etf i would suggest you take a look at this fund gives you close to an eight percent yield
and has some pretty solid companies within it not only does it give a high income but it also
seeks capital appreciation as well it says the fund seeks to provide the majority of the return
associated with its primary benchmark the standard and forwards 500 total return index s p 500 index
while exposing investors to less risk through lower volatility and still offering incremental
income under normal circumstances the fund invests at least 80 percent of its assets and equity
securities it may also invest in other equity securities not included in the s p 500 index
this fund has not disappointed me at all thus far since i've owned it i bought it this year in 2021
it's been around i think for only about two years it's really new like like i said a lot of these
are really new in type of investments but you can see just like within a two year period it's gained
about 25 percent in capital appreciation the next type of a special investment i want to show you
and these are fairly new as well but they're business development companies
and so what they do let's read a little bit about eris capital which is one of the best
performing ones it says eris capital corporation is a business development company specializing in
acquisition recapitalization i can't even say that debt restructuring's rescue financing and leverage
buyout transactions of middle market companies it also makes growth capital and general refinancing
so they do a lot of debt restructuring and things like that now let's take a look at the yield
currently this is going for about twenty dollars a share and the yield does not disappoint
as it comes in around an eight percent annual yield looking at the graph you can see there's
quite a bit of price appreciation if you bought in after the dip from kovid but beyond that
i don't think there's as much price appreciation in this one but the income of 8 percent that's
pretty fantastic also i would suggest though doing some google searches and reading up on
what business development companies are so you can better understand how they function before
you invest in them aeris capital is just one of the business development companies i would check
out for your portfolio ticker symbol is ar cc next i want you to take a look at the blackstone
mortgage trust ticker symbol is bx mt it comes in at a whopping seven and a half percent
dividend yield basically what is it it operates just like a read so as blackstone mortgage trust
inc is a real estate finance company that originates senior loans collaterized by
commercial properties in north america europe and australia the company operates as a real estate
investment trust for federal income tax purposes this investment has actually been around 40 years
and you'll find that out if you look into the details on this but i caution you to be careful
how much you invest in this because it's not a completely stable investment and there's been
a lot of volatility in the past so just be mindful of how much money you're allocating
into an investment such as this one the last large yielding investment i want to share with you today
is ticker symbol qyld which is the global x nasdaq 100 call etf with an astounding 11.81
annual distribution yield when you see a large yield like this you should always be a little
cautious so nothing you can do if you want to invest in this i don't personally own this one but
it's a really popular one that people like online it's one of the first covered call etfs that i
actually learned about the thing i don't like about this if you're looking on screen right now
looking at the graph notice that qyld which is in the light blue has very little price appreciation
it actually if you look at the graph over the long term it's actually trending downwards which
i would hate to see you get an 11 or 12 percent yield but actually lose your principal so
principal is something i never want to lose if i if i can avoid it i don't mind some volatility you
know what i mean but if i'm losing the value of my overall investment it's just not something i
want to be invested in but that's just me a lot of people swear by this one it's a great fund
if you want income there's there's no yield like it i mean it's a fantastic yield but it comes with
some drawbacks and you can see graphed out against qylg which is one i actually do own that has
growth and a six percent yield check out qylg as an alternative to this one nuci uh jeppy and arc
the business development company you can see that all those other funds have price appreciation and
qyld doesn't but qyld if you're looking for income though it has a massive income potential knowing
the different types of investment alternatives you have out there for income can really help
you build an income stream in retirement with your roth and now maybe you have a mix of investments
that pay you two three or four percent and maybe part of your account is in these higher yielding
investments that pay six seven or eight percent or even eleven percent if you wanna be a little bit
more on the wild side overall if you can have your portfolio average let's say five percent or six
percent even four percent i mean you're looking at anywhere from like 40 to 60 000 in annual
income if your roth ira account balance is around a million dollars if you can grow to that over 30
years with all these investments make sure you do your own research don't just dive into any of them
make sure you understand what they do and what the risks are associated with these investments now i
realized we did not cover corporate bonds and we did not cover publicly traded partnerships those
are some alternatives you can look at in relation to these other investments we discussed today
but in this video i just wanted to show you more of the like unconventional type of investment
choices that are out there that most people just don't know about that can provide really high
yields i want to say thanks again for all the requests for this video topic it means a lot to
have you here as part of this community and i'll see you down in the comments let me know what you
think of these different investment choices or what are some alternatives besides the ones we
discussed today that i did not mention leave those in the comments below alright everybody
thanks so much for watching i'll see you in the next video have a wonderful week
you