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Are 5% yearly bonds/investments possible?

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TreyAllDay

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My business is finally, slowly taking off and although I don't have the cash yet to fully fund my money tree- I want to start looking at the long term financial aspect of my life. In mj's book he talks about creating a money tree in government (or other) bonds that yields monthly payments at 5% return.

Can someone explain to me - is this still possible in today's markets? In my research the highest yields I've seen are near 1% in safe markets at 10 years? Is it about diversifying? I'm curious because I know riskier bonds can yield closer to 3-5% but you're giving up control to the market, isn't that a big no-no in the fastlane?

Thank you for any help
 

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brickco

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Monthly? no. Not even possible to get 1% monthly in bonds unless they are complete junk. 5% per month is 79.6% per year. Bond returns are in the 1-4% range for anything that's "safe" (per year).
 
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TreyAllDay

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Monthly? no. Not even possible to get 1% monthly in bonds unless they are complete junk. 5% per month is 79.6% per year. Bond returns are in the 1-4% range for anything that's "safe" (per year).
Whoops sorry I meant 5% per year lol.
But so it is possible to find a safe bond near like 2.5-3% ? Good to hear


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JScott

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I don't know the answer to your question, but one thing I'll throw out there is -- if you have the time and inclination -- you might want to look into private lending against assets.

For example, lending against real estate, lending against accounts receivable, lending against equipment, etc. If you're conservative (keep LTV low) and can do even a half-decent job of underwriting, it's not tough to make 10-15% annually with not too much work and not too much risk.
 

aespinosa

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If you want active investing, forex can produce returns >4% per month. (yes, monthly). The "downside" is that you have to learn technical analysis.
 

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There's a thread on the Inside that MJ and IceCreamKid, the two most prominent members of the forum, both use to generate monthly income through options.

Requires ~$50-100k to get started.

I'd pick up an Insiders membership and follow along: this could mean the difference between working for money and your money working for you.
 

Scot

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There are a lot of dividend stocks out there that return 5-7%. But, with anything in the market, you entertain a certain amount of risk.
 

townhaus

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Whoops sorry I meant 5% per year lol.
But so it is possible to find a safe bond near like 2.5-3% ? Good to hear


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Good to hear? 3%...why even bother.

Only if your other options are so bad that everything else you look at is going down, banks might collapse and so it's the best alternative (explains why people would actually pay negative interest rates in places).

I'd rather borrow the money at those rates, even if i didn't know what to do with it yet.

You don't make money buying bonds, you make money selling them to fools.
 
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JScott

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Good to hear? 3%...why even bother.
Some people have already made their money, and their goal is now just preservation (keeping up with inflation). If you're looking for a 100% passive and safe investment, this is one of the few truly passive and safe investments you're going to find.
 

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TreyAllDay

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Good to hear? 3%...why even bother.

Only if your other options are so bad that everything else you look at is going down, banks might collapse and so it's the best alternative (explains why people would actually pay negative interest rates in places).

I'd rather borrow the money at those rates, even if i didn't know what to do with it yet.

You don't make money buying bonds, you make money selling them to fools.
Never really thought of investing as a way of getting rich. Might be aiming too low but I always visioned my first goal having $5,000,000 to Invest in a yield near 3%. I could do whatever I want and work on whatever business I wanted to with 20k a month of passive income.


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jmomcc

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I don't know the answer to your question, but one thing I'll throw out there is -- if you have the time and inclination -- you might want to look into private lending against assets.

For example, lending against real estate, lending against accounts receivable, lending against equipment, etc. If you're conservative (keep LTV low) and can do even a half-decent job of underwriting, it's not tough to make 10-15% annually with not too much work and not too much risk.
Is there a way to invest in this like a stock?

Edit: what i mean is a financial institution sells a product like a 'real estate lending stock' which is basically a slice of all their 'real estate lending' and you get a return on your slice depending on how well they do overall. When I write this out, I feel like I'm describing something that everyone else knows about..lol.
 
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TreyAllDay

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Elif

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Monthly? no. Not even possible to get 1% monthly in bonds unless they are complete junk. 5% per month is 79.6% per year. Bond returns are in the 1-4% range for anything that's "safe" (per year).
 
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TreyAllDay

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Monthly? no. Not even possible to get 1% monthly in bonds unless they are complete junk. 5% per month is 79.6% per year. Bond returns are in the 1-4% range for anything that's "safe" (per year).
Just a note - I think I worded this poorly. I meant, can you get bonds that pay monthly dividends near 5% for the year?

IE: $1,000 earning 5% dividends. $50 in 12 monthly payments.
 

Elif

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Just a note - I think I worded this poorly. I meant, can you get bonds that pay monthly dividends near 5% for the year?

IE: $1,000 earning 5% dividends. $50 in 12 monthly payments.
Yes, That's What I meant
 

mom

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My business is finally, slowly taking off and although I don't have the cash yet to fully fund my money tree- I want to start looking at the long term financial aspect of my life. In mj's book he talks about creating a money tree in government (or other) bonds that yields monthly payments at 5% return.

Can someone explain to me - is this still possible in today's markets? In my research the highest yields I've seen are near 1% in safe markets at 10 years? Is it about diversifying? I'm curious because I know riskier bonds can yield closer to 3-5% but you're giving up control to the market, isn't that a big no-no in the fastlane?

Thank you for any help
No way!!!

If it was possible no-one would work...

If the top hedge funds are happy with 12% per annum....why do you think you can passively make 60% per annum?

One guy always told me...if a bond ever offers you more than 10%....it is probably a scam or very high risk. Why?

BECAUSE A BOND ISSUE IS PURELY TO BORROW MONEY..If they could pay so much back with little risk a bank or fund would lend it to them at <9%

The fact a company has to try and tap into retail for money is usually a big red flag.

Investing IMHO is where to safely park your fast lane profits....not to turn it into a fast lane opportunity. Most safe investements are in the 12-18% per annum range...
 

Andreas Thiel

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(Insiders plug)

There's a thread on the Inside that MJ and IceCreamKid, the two most prominent members of the forum, both use to generate monthly income through options.

Requires ~$50-100k to get started.

I'd pick up an Insiders membership and follow along: this could mean the difference between working for money and your money working for you.
Not sure if I understood that thread correctly, but I do not think this is considered "Money System" material yet, not sure if ever.

As I understand it, it is considered a business and something that FU money should be used for.

Investing IMHO is where to safely park your fast lane profits....not to turn it into a fast lane opportunity. Most safe investements are in the 12-18% per annum range...
You have only read the first post, right?
12-18% from safe investments???
 

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JScott

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12-18% from safe investments???
5-8 years ago, this was reasonable with unleveraged real estate (single family rentals) in several markets. We still have several properties that are nearly 100% passive (managed by a full-time property management company) that are generating 15% consistently, and even in a major market downturn, should continued to generate at least 12% unleveraged. Leveraged, they would probably generate a few percent more.

These days, you can still find mostly recession-proof 8-10% returns with passive real estate in some markets, but it's getting harder and harder.
 

MJ DeMarco

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I've edited this thread to say "5% yearly" -- 5% monthly in a fixed-bond investment doesn't exist and is a scam.
 
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TreyAllDay

TreyAllDay

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I've edited this thread to say "5% yearly" -- 5% monthly in a fixed-bond investment doesn't exist and is a scam.
Thank you - I meant to edit this a long time ago to clarify I meant a 5% bond paying monthly dividends. In MFL you mentioned something like putting a $10MIL nest egg into bonds and earning $41K/Month dividends.

I've since learned a bit more in this area.
 

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