Home Seller With $150K Cash Asks Reddit For Advice: 'Can I Make $1,000/Month Safely With SCHD, MSTY Or VTI?' – Experts Weigh In

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Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. For many people, selling a house is a good way to open up new financial opportunities. Rather than...

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While SCHD is known for its reliability when it comes to dividends, VTI offers broad exposure to the whole market, and MSTY is noted for being high-risk, high-return.Since he’s done his research, he’s considering investing in SCHD, MSTY, VTI and perhaps other funds, but he doesn’t know how to allocate his money to achieve his goal of earning $1,000 per month.“I’d avoid high-risk funds like MSTY. With those, you could double your money, or it could drop by 80%. It’s really that risky,” a comm","collect":0,"end_time":0,"defaultTopTitle":"yahoo.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU2360107168.USD":"BGF NEXT GENERATION TECHNOLOGY \"A4\" (USD) INC","BK4211":"区域性银行","VTI":"大盘指数ETF-Vanguard MSCI","BK4077":"互动媒体与服务","BK4547":"WSB热门概念","BK4588":"碎股","HBCP":"Home合众银行","LU1861220033.SGD":"Blackrock Next Generation Technology A2 SGD-H","BK4585":"ETF&股票定投概念","RDDT":"Reddit","SCHD":"Schwab US Dividend Equity ETF","LU1861215975.USD":"贝莱德新一代科技基金 A2","LU2290526834.HKD":"BGF NEXT GENERATION TECHNOLOGY \"A2\" (HKDHDG) ACC","BK4195":"互助储蓄与抵押信贷金融服务","MSTY":"YIELDMAX MSTR OPTION INCOME STRATEGY ETF"},"translate_title":"拥有15万美元现金的房屋卖家向Reddit寻求建议：“我能通过SCHD、MSTY或VTI安全地每月赚1000美元吗？”——专家发表意见","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"MSTY":1,"VTI":1,"SCHD":1,"HBCP":1,"RDDT":0.9,"US7Y.BOND":0.84,"US6M.BOND":0.84,"US5Y.BOND":0.84,"US3Y.BOND":0.84,"US30Y.BOND":0.84,"US2Y.BOND":0.84,"US12M.BOND":0.84,"US10Y.BOND":0.84},"content_text":"Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.\nFor many people, selling a house is a good way to open up new financial opportunities. \nRather than letting the money from the sale sit idle, some people start investing in the stock market to grow their wealth or create a reliable monthly income.\nPopular funds like SCHD, VTI and MSTY have captured investors' attention for various reasons. While SCHD is known for its reliability when it comes to dividends, VTI offers broad exposure to the whole market, and MSTY is noted for being high-risk, high-return.\nDon't Miss:\n\nUnlock the hidden potential of commercial real estate — This platform allows individuals to invest in commercial real estate offering a 12% target yield with a bonus 1% return boost today!\nMaker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing — you can become an investor for $0.80 per share today.\n\nMany dream of earning a few thousand dollars each month from investments. Whether through growth-focused stocks, dividend-paying stocks or a mix of both, reaching this objective requires careful planning, some risk tolerance and a good strategy.\nOne Redditor is trying to figure this out: after selling his property, he was left with $150K. However, he plans to move into a free apartment at his dad’s home to keep costs low, which will allow him to invest all that money in stocks.\nHis goal? To make around $1,000 per month while keeping his principal safe.\n\"How should I invest this capital in order to make, say, $1,000 a month? Is that even possible? I could basically live off that,” he wrote.\nTrending: This Jeff Bezos-backed startup will allow you to become a landlord in just 10 minutes, with minimum investments as low as $100.\nSince he’s done his research, he’s considering investing in SCHD, MSTY, VTI and perhaps other funds, but he doesn’t know how to allocate his money to achieve his goal of earning $1,000 per month.\n“I've been reading all about SCHD, MSTY, VTI and all the others. Looks like MSTY provides crazy returns,” the Redditor said.\nReddit members of the r/dividends community have shared their opinions and advice, so let’s dive into the comments to pick the most relevant and common suggestions.\nTrending: The Ascent Income Fund from EquityMultiple targets stable income from senior commercial real estate debt positions and has a historical distribution yield of 12.1% backed by real assets. Earn a 1% return boost on your first EquityMultiple investment when you sign up here (accredited investors only).\nHow to Invest $150K? Reddit’s Recommendations for the Home Seller\nBe Cautious About Risky High-Yield Funds\nSeveral Reddit members in the comment section warned the investor about funds like MSTY, which guarantee high returns but come with great risks.\n“I’d avoid high-risk funds like MSTY. With those, you could double your money, or it could drop by 80%. It’s really that risky,” a comment reads.\n“MSTY is a very risky play. Looks great now. But you really need to understand it and be prepared for huge losses,” says another Redditor.\nOn the other hand, one commenter pledged for MSTY, saying that every endeavor is risky, including opening a business.\n“While people keep saying MSTY is risky and well sure it is, but has anyone opened a small business? Or heard of a stop loss? I've made consistently $2K a month with a DCA of 26, which also means I'm up 3 bucks a share on it as well. Set a stop loss and rake in money till it tanks,” he said.\nSee Also: Commercial real estate has historically outperformed the stock market, and this platform allows individuals to invest in commercial real estate with as little as $5,000 offering a 12% target yield with a bonus 1% return boost today!\nInvest in Both Growth and Dividend Stocks\nAccording to the commenters, a balanced portfolio of dividend-paying ETFs and growth-focused ETFs is a great strategy.\n“I’d suggest something like a 40% VOO, 35% SCHD, 10% XMMO & 15% AVUV and building wealth before you consider retirement,” a Redditor recommended.\nA second Reddit member advised the investor to consider a mix of growth and dividend funds.\n“If you wanna have stable income and long-term growth, look into the combination of VOO, SPYI, GPIQ, JEPQ/JEPI, SCHD and one or two aristocrat dividend stocks, such as PEP, ABBV or KO,” he said.\nWhile most commenters suggested a combo of stocks, this Redditor recommended that the poster go all-in on growth ETFs because he's young.\n“I assume you are still relatively young, probably somewhere between 20 and 35. I wouldn't put the $150K in dividends at all. A growth ETF would be more reasonable. I'm 99.99% sure if you put it into a growth ETF you will have way better results,” he wrote.\nWondering if your investments can get you to a $5,000,000 nest egg? Speak to a financial advisor today. SmartAsset’s free tool matches you up with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you.\nLooking For Higher-Yield Opportunities In A Shifting Market?\nThe changing interest rate environment has created an incredible opportunity for income-seeking investors to earn massive yields, but not through dividend stocks... Certain private market real estate investments are giving retail investors the opportunity to capitalize on these high-yield opportunities and Benzinga has identified some of the most attractive options for you to consider. \nFor instance, the Ascent Income Fund from EquityMultiple targets stable income from senior commercial real estate debt positions and has a historical distribution yield of 12.1% backed by real assets. With payment priority and flexible liquidity options, the Ascent Income Fund is a cornerstone investment vehicle for income-focused investors. First-time investors with EquityMultiple can now invest in the Ascent Income Fund with a reduced minimum of just $5,000. Benzinga Readers: Earn a 1% return boost on your first EquityMultiple investment when you sign up here (accredited investors only).\nDon't miss out on this opportunity to take advantage of high-yield investments while rates are high. Check out Benzinga's favorite high-yield offerings. \nThis article Home Seller With $150K Cash Asks Reddit For Advice: 'Can I Make $1,000/Month Safely With SCHD, MSTY Or VTI?' – Experts Weigh In originally appeared on Benzinga.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.30.2","shortVersion":"4.30.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2507512969"}