For 2024 to today 6/30 9,591,165-8,720,519 =$ 870,646 Or 9 .98%. For 2023 , the pure investment increase is 8,720,519-7,622,002 =$ 1,098,517 Or 14.44%. For 2022 , the pure investment increase is 7,622,002-8,855,363 =$ -1,233 ,361 Or -13.92%. For 2021 , the pure investment increase is 8,855,363-7,162,979 =$1,692,384 Or 23.63%. For 2020 , the pure investment increase is 7,162,979-6,300,060 =$ 862,919 Or 13.70%. For 2019 , the pure investment increase is 6,300,060-4,945,699 =$1,354,361 Or 27.38%. For 2018 , the pure investment increase is 4.945,669
呵呵，今年开始退休前的投资准备，目标是不动用本金的前提下保持目前生活水准。所以，投资的对象大规模向分红股票和基金挪移。半年下来，今天数数钱，分红加cash带来的利息共四万五。capital gain不理想，只有两万不到，主要是在EWZ上损失三万出头，Spy500和JEPI的gain用来填补。
根据我的预算，退休后需要从投资的portfolio里每年提取六万。看来目前的portfolio投资组合数量上超过目标。考虑到本金会随通货膨胀贬值，每年能有3%的增值方能维持购买力不变，目前的组合仅靠分红还缺一点。capital gain在我这种保守的组合里不能指望，继续寻找更高分红的股票和基金是下半年的任务。
这个方案早就被领导否决了，呵呵。邻居退休前也卖掉了出租房。。。
走过了定投岁月，现在开始注重分红和现金流。。。
今年上半年，分红加利息，12.7万
DT收入7.7万
六个月纯现金流合计：20.4万
上半年生活开销：10.5万（含女儿大学开销，两次回国）；（不包括房子保险(7月份交），income tax)。
股票在手里, 得会用option strategy挣钱.
退休有啥好玩的， 天天两个人对着蹬眼左手摸右手， 恨不得踢死对方。
跟我撸卡吧， 一年能撸个万刀。
Turkey Run还能划船呢。Indy可不可以抓甲鱼啊。。。那里不少，划船经常看到它们晒太阳。
Fireworks tonight, happy 4th bro.
For 2024 to today 6/30 9,591,165-8,720,519 =$ 870,646 Or 9 .98%.
For 2023 , the pure investment increase is 8,720,519-7,622,002 =$ 1,098,517 Or 14.44%.
For 2022 , the pure investment increase is 7,622,002-8,855,363 =$ -1,233 ,361 Or -13.92%.
For 2021 , the pure investment increase is 8,855,363-7,162,979 =$1,692,384 Or 23.63%.
For 2020 , the pure investment increase is 7,162,979-6,300,060 =$ 862,919 Or 13.70%.
For 2019 , the pure investment increase is 6,300,060-4,945,699 =$1,354,361 Or 27.38%.
For 2018 , the pure investment increase is 4.945,669