Lessons Learned From Yieldmax During The Market Crash Of 24’ | High Yield Dividends #Investing #FIRE

Summary

En este video, el presentador comparte las lecciones aprendidas durante la caída del mercado en 2024, destacando cómo sigue superando los índices con fondos como Cornerstone, Yield Max, y Defiance. A pesar de los desafíos, sigue generando más de $450,000 en dividendos al año. El video también aborda la importancia de gestionar el mantenimiento y la diversificación de la cartera para evitar llamadas de margen, además de la estrategia de compra en las caídas para maximizar el rendimiento. Finalmente, se ofrece orientación personalizada a través de guías y acceso a Discord para inversores interesados.

Takeaways

• 📈 La lección principal del Yield Max durante el colapso del mercado de 2024 es que no se puede tener demasiado en una bajada, ya que puede caer muy fuerte y afectar significativamente el margen utilizado.
• 💰 El scriptor está ganando más de 450,000 dólares en dividendos con Yield Max, Cornerstone y Defiance, siguiendo superando a los mercados con un rendimiento del 99.55%.
• 📊 A pesar de las caídas, el scriptor sigue viendo un rendimiento positivo, con un aumento de 26,000 dólares en un día, destacando la importancia de la selección adecuada de fondos y estrategias.
• 🏦 Cornerstone, un fondo de 5 estrellas, es una inversión clave en la estrategia del scriptor, ofreciendo un rendimiento ascendente y oportunidades de inversión durante los correcciones del mercado.
• 📉 La caída del precio de Cornerstone en un día fue inesperada y permitió una oportunidad de compra, destacando la importancia de estar preparado para aprovechar los movimientos del mercado.
• 📝 El scriptor menciona la importancia de entender y negociar las tasas de margen y las opciones de mantenimiento para mantener una vida financieramente independiente.
• 🔄 El uso de opciones y estrategias de cobertura ayuda a proteger las inversiones en momentos de caída del mercado, como se vio en la reciente 'Black Monday'.
• 🌐 El scriptor promueve sus guías electrónicas (eguides) como herramienta para ayudar a otros a lograr la independencia financiera y superar al mercado.
• 📱 Acceso a soporte y asesoramiento personalizado, incluyendo llamadas telefónicas y chat en Discord, al adquirir las guías electrónicas del scriptor.
• 💡 La diversificación de la cartera es crucial, y el scriptor ha estado ajustando sus inversiones en Defiance, Roundhill y otros fondos para reducir el riesgo y maximizar el rendimiento.
• 📉 El Yield Max, a pesar de ofrecer altos rendimientos, puede verse afectado por la reducción de sus dividendos en momentos de crisis, lo que es un factor a considerar en la estrategia de inversión.

Q & A

¿Qué lección aprendió del Yield Max durante la caída del mercado en 2024?

La lección principal es que no se puede tener demasiada inversión en Yield Max en un momento de bajada, ya que con una mantenimiento del 50%, una caída del 10% en el mercado puede consumir la mitad del equilibrio de una cuenta en un solo día.

¿Cuál es la cantidad de dividendos que están ganando actualmente según el guion del video?

Según el guion, están ganando más de 450,000 dólares en dividendos.

¿Cómo están superando el rendimiento de los índices de mercado con sus inversiones?

Ellos están superando el rendimiento de los índices de mercado con un aumento del 99.55%, mientras que el S&P ha subido un 8%, el NASDAQ un 7%, el Dow Jones un 2% y el Russell un medio por ciento.

¿Qué estrategia siguieron durante la caída del precio de Cornerstone para mejorar su rendimiento?

Durante la caída del precio de Cornerstone, compraron más acciones en la baja y luego, cuando el precio rebotó, obtuvieron un beneficio. También boxearon Cornerstone, redujeron el mantenimiento y cubrieron sus shorts.

¿Qué es un 'box' en el contexto de la inversión mencionado en el guion?

En el contexto de la inversión, 'box' se refiere a una estrategia de cobertura de cortos que implica vender opciones de compra y opciones de venta a diferentes precios para protegerse de movimientos del mercado.

¿Por qué Cornerstone es una buena inversión según el guion?

Cornerstone es una buena inversión porque ofrece un movimiento ascendente en sus gráficos, tiene un bono de cinco estrellas, y ofrece oportunidades de ganancia a través de dividendos, drips y ofertas de derechos.

¿Qué es un 'drip' y cómo se relaciona con Cornerstone?

Un 'drip' (dividend reinvestment plan) es un plan que permite a los inversionistas reinvertir sus dividendos automáticamente en nuevas acciones. Cornerstone ofrece un 'drip' especial que permite a los inversionistas obtener dinero gratis cada mes.

¿Qué es la diferencia entre Cornerstone y Defiance en términos de mantenimiento y rendimiento en días de caída del mercado?

Cornerstone tiene un mantenimiento del 30% y puede tener un rendimiento propio en días de caída del mercado. Defiance, por otro lado, tiene un mantenimiento más alto del 50% y su rendimiento en días de caída puede ser peor que el de Cornerstone, pero también puede ofrecer una mayor participación en los días de subida del mercado.

¿Qué estrategia se utilizó para manejar la caída del Yield Max durante la caída del mercado?

Se redujo la inversión en Yield Max, se compraron más fondos Defiance y se diversificaron las inversiones con Roundhill para tener una combinación de dividendos y ganancias capital.

¿Cómo ayudan las opciones en la protección de las inversiones tecnológicas durante una caída del mercado?

Las opciones, en particular las opciones de venta (puts), pueden ayudar a reducir el impacto de la caída del mercado en las inversiones tecnológicas, ya que si las acciones disminuyen en valor, las ganancias de las opciones de venta pueden compensar las pérdidas en las acciones.

¿Qué beneficios adicionales se ofrecen al comprar los guías electrónicas (eguides) del presentador del video?

Al comprar los eguides, los compradores obtienen acceso gratuito al chat de Discord por vida y el número de teléfono del presentador por vida, lo que les permite recibir asistencia adicional y consejos sobre la inversión y estrategias de negociación.

Outlines

00:00

📈 Lecciones del crash de 2024 y el rendimiento de Yield Max

En este párrafo se discuten las lecciones aprendidas durante el crash del mercado en 2024, destacando cómo Yield Max y otros fondos como Cornerstone y Defiance han permitido superar a los índices principales. El autor comparte cómo ha realizado ajustes en su cartera para seguir obteniendo altos dividendos, superando el 99.55% de rentabilidad mientras el S&P 500 y el NASDAQ apenas subieron. Se menciona la importancia de comprar en las caídas y cubrir posiciones cortas para maximizar ganancias.

05:01

💹 Estrategia de margen y diversificación con Cornerstone y Yield Max

Aquí se aborda la estrategia del autor para negociar tasas de margen, manteniendo una alta disponibilidad de retiros. Destaca cómo Cornerstone, con un margen de mantenimiento del 30%, es una parte crucial de su cartera. Sin embargo, debido a la caída significativa de Yield Max, el autor ha reducido su exposición en este fondo, prefiriendo diversificarse en otros como Defiance y Roundhill. Se menciona la importancia de evitar riesgos específicos de acciones durante caídas significativas del mercado.

10:01

📊 Diversificación con Defiance y Roundhill para estabilidad y crecimiento

En este párrafo, el autor detalla su estrategia de diversificación adicional, alejándose de fondos cerrados como Cornerstone y buscando estabilidad y crecimiento en Defiance y Roundhill. Se discute cómo Defiance ha demostrado ser más resistente en días de caídas, mientras que Roundhill, aunque con un mayor riesgo, ofrece dividendos semanales y potencial de ganancias de capital. Se subraya la importancia de balancear dividendos altos con participación en el alza del mercado y mantener bajos los niveles de mantenimiento.

Keywords

💡Yield Max

Yield Max es mencionado como una estrategia de inversión que el narrador implementa para obtener dividendos. Es una forma de maximizar los rendimientos a través de inversiones que generan ingresos. En el video, se destaca que el narrador obtiene más de 450,000 dólares en dividendos utilizando Yield Max, lo que indica su importancia en la estrategia de inversión del narrador.

💡Dividendos

Los dividendos son una parte de las ganancias de una empresa que se distribuye a los accionistas. En el contexto del video, los dividendos son un componente clave de la rentabilidad que el narrador obtiene, mencionando que gana más de 400,000 dólares al año en dividendos, lo que demuestra la importancia de los dividendos en su estrategia de inversión.

💡Rendimiento

El rendimiento se refiere a la ganancia o pérdida que se obtiene en una inversión. En el video, el narrador habla de 'rendimiento' para comparar el desempeño de sus inversiones con los índices del mercado, destacando que su estrategia de 'Yield Max' está superando a los mercados con un rendimiento del 99.55%.

💡Mantenimiento

El mantenimiento es el monto mínimo que debe estar en una cuenta de margen para mantener una posición abierta. En el video, el narrador explica que un bajo nivel de mantenimiento es esencial para vivir financieramente independiente, y menciona que su estrategia de 'Yield Max' requiere un mantenimiento del 50%, lo que puede ser riesgoso en un mercado en caída.

💡Margen

El margen es el dinero prestado por una casa de bolsa para permitir a los inversores comprar más acciones de las que podrían comprar con su propio capital. En el video, el narrador menciona el uso de margen en su estrategia de inversión, destacando los riesgos y beneficios asociados a su uso, especialmente en un mercado volátil.

💡Cornerstone

Cornerstone es un fondo de inversiones cinco estrellas que el narrador utiliza en su estrategia. Según el video, Cornerstone es una inversión que se mueve hacia arriba en sus gráficos y ofrece oportunidades de ganancia a través de dividendos y ofertas de derechos. El narrador también menciona que ha realizado ajustes en Cornerstone para aprovechar las caídas en el mercado.

💡Defiance

Defiance es otro fondo de inversiones mencionado en el video que el narrador utiliza para diversificar su portafolio. Se destaca que Defiance tiene un rendimiento estable en días de mercado bajista y ofrece una participación en los rendimientos en días alza, lo que complementa la estrategia de 'Yield Max' del narrador.

💡Dívidendos exorbitantes

Los 'dívidendos exorbitantes' se refieren a dividendos muy altos que superan lo común en términos de rentabilidad. En el video, el narrador asocia los 'dívidendos exorbitantes' con Defiance, explicando que estos dividendos son una parte importante de su estrategia de inversión y ayudan a calificar para préstamos bancarios.

💡Opciones

Las opciones son un tipo de instrumento financiero que da el derecho, pero no la obligación, de comprar o vender una acción a un precio específico antes de una fecha específica. En el video, el narrador menciona el uso de opciones para proteger sus inversiones en tecnología y reducir su margen, destacando cómo las opciones pueden ser una herramienta de gestión de riesgos en su estrategia.

💡Roundhill

Roundhill es un proveedor de fondos de inversión que el narrador considera para diversificar su portafolio más allá de Cornerstone y Defiance. Según el video, Roundhill ofrece una combinación de dividendos y ganancias de capital, lo que atrae al narrador para balancear su estrategia de 'Yield Max'.

Highlights

Earned over 450,000 in dividends using the Yield Max strategy during the market crash of 2024.

Outperforming the market with a 99.55% increase compared to major indexes like S&P, NASDAQ, Dow, and Russell.

Financial independence achieved through 9o FS using margin with Cornerstone, Yield Max, Defiance, and other funds.

Daily earnings of 26,000, with a peak of 30,000, showcasing the impact of market fluctuations.

Cornerstone, a five-star fund, experienced a significant dip and subsequent rally, providing a buying opportunity.

Boxing Cornerstone positions and lowering maintenance to cover shorts during market corrections.

The importance of timing investments in Cornerstone for rights offerings and dividends.

Yield Max funds' vulnerability during downturns due to high maintenance requirements.

Strategic adjustment of funds to avoid margin calls and maintain a high available withdrawal.

Negotiating margin rates and understanding maintenance to secure financial independence.

Diversification strategy by consolidating stocks into yield-focused funds like YM MAG and YX.

Defiance funds' performance during market downturns and their dividend policy.

The decision to invest in Roundhill funds for diversification and dividends, despite higher maintenance.

Using options to protect tech investments and capitalize on market volatility.

The effectiveness of put options during the recent market crash for profit maximization.

Options selling strategy to lower margin requirements while maintaining upside potential.

The importance of diversification in portfolio management to mitigate risk and enhance returns.

Offering personalized guidance through e-guides, Discord access, and phone support for financial strategy optimization.

Transcripts

in today's video we're going to be

discussing the lessons I learned from

yield Max during the market crash of

2024 we're earning over 450,000 now in

dividends as you can see below if you

can't see that number just use your

fingers and zoom in and we're still

beating the markets with yield Max

Cornerstone and Defiance I just had to

make some adjustments with our funds so

that I can keep outperforming while

earning these dividends of again over

400,000 per year now we're still

outperforming all the indexes we're up

99.55% the sp's up 8 the nasdaq's up

7even the Dow's up two and the Russell

is up about a half a percent so we're

still living financially independent

from our 9o FS using margin Cornerstone

yield Max Defiance and some other funds

if you need help doing the same email me

for my eguides at aen [email protected] you

can see we're also up 26,000 today we

were up 30,000 at one point but that's

okay 2.39 is what really matters when

you look above we beat all the indexes

the NASDAQ was up one the SP was up one

the Dow was up 76 so the reason why we

are up 2% today was because of

Cornerstone Cornerstone had a dip

finally it finally got a dip we've been

waiting for Cornerstone to pull back so

we could add more to shares it's been

holding up so well during the correction

and then the stock price just plummeted

on Monday so everything fell on Monday

this was to be expected and then

Cornerstone actually rallied back so

fast you had to buy it right away in

order to take advantage of this dip so

we covered our shorts you know that I

box Cornerstone that's in my volume Five

EEG guide my hedging egide we boxed

Cornerstone we lowered our maintenance

in the process and then we covered our

shorts with Cornerstone and bought the

Longs right around here at these levels

I alerted all my members who watch my

YouTube videos live so that helped us

outperform we bought more Cornerstone on

the dip yesterday and then today it had

a really nice bounce back and this is to

be expected with a festar fun if you're

new to this channel Cornerstone is a

five-star fun and it moves upward left

to right on its charts as you can see

below but if you go to Cornerstone on a

10e chart you'll see that it goes

sideways to down that's because you have

to factor back in dividends drips and

rights offerings if you need help

playing Cornerstone that's a my volume

for Egon if you time Cornerstone between

its highs and lows between its rights

offerings again you can make a lot of

money with Cornerstone because you get

20% premiums you get the 20% dividend

and it drips the dividend down at the

bottom at the nav for free money every

month when you buy my ID you get free

access to Discord for life where we

alert you of the Cornerstone riots

offering announcements so cornerstone's

a great investment but you have to time

it once a year or so and so when it has

its rights offering we alert you but

sometimes it doesn't have a rights

offering and it'll fall big in a given

year like in 2023 or this year like

yesterday it fell pretty big and that's

why I watched the premium threshold so

closely and that's when I started boxing

my positions for Cornerstone when the

premiums were reaching more elevated

levels so Cornerstone how we got more

performance today and then also we had

some strong bounces in our Defiance and

QD te funds we'll talk more about those

in a second yield Max though the lesson

that I learned from yield Max is that

you can't have too much of it in a

downturn because pre-market it was down

about 10% at least on Monday so we saw

how much yield Max can fall and it's

already 50% maintenance so with 50%

maintenance if you're falling 10% on a

given day and using margin like me 50%

maintenance sucks up half your equity

and your account can get cannibalized by

50% in one day so if you need help

understanding maintenance that's in my

volume 3 egide maintenance is the secret

to living financially independent from

your 9 to5 you need low maintenance so

that you can have high available

withdrawal our available withdrawal is

still over

$200,000 we were at 300,000 for our

available for withdrawal but after this

15% correction in the market you can see

that we're still comfortably above the

200,000 threshold and so this means I

can withstand still another 20%

correction in the market without seeing

a margin call so that's the name of the

game living free from 9 to5 you want to

avoid margin calls wherever you can so

you keep your available withdraw High

when your available withdraw gets to

zero that's when you're in a margin call

I know a lot of people were in margin

calls yesterday and that's probably

because they buy too high of Maintenance

names or they're using too much margin I

just use a fraction of my margin to get

ahead so now it's a up to 384,000 I've

added to my margin debt significantly

because there are a lot of opportunities

in the market so my dividends though of

over 400,000 per year will pay back my

margin debt in less than one year this

margin debt does not show up on any

credit check to Banks I've negotiated my

margin interest down twice many of my

clients who bought my Ides did the same

thing because when you buy my egues you

get my phone number for free for life so

you get Discord access for free for life

and you get my phone number for life so

when you call me I can help walk you

through the negotiation process for your

margin rates or we can discuss other

things like maintenance options put

protection you name it okay so I've

negotiated my rates down twice and so my

interest is around 6% so these higher

margin levels aren't really impacting me

much the only thing I have to worry

about with these higher margin levels is

my available withrawal which is still

comfortably over 200,000 and that's

because most of my money is parked in

Cornerstone Cornerstone is 30% Main so I

have half of my portfolio in Cornerstone

which is 30% maintenance and I already

listed all the benefits of Cornerstone

earlier in the video so that's how I

have so much available for draw left is

from Cornerstone and then yield Max it's

50% maintenance so with the drop that we

saw in yield Max on Monday we see what

it's capable of doing in a crash it can

fall really hard and so this is why I

have to have less money in yield Max

going forward even ym and YX yes I

Consolidated my stock stocks into ym mag

and YX because you don't want stock

specific risk when the Market's falling

cuz stocks can fall much harder than the

indexes so I went to yield mag and yield

Max I switched from the stocks not only

because they can fall harder in a down

Market but because their maintenance was

raised at eade as you know from a few

videos back so it was actually a

blessing in disguise the maintenance

change at E Trade it happened right

before the top in the nasda so we sold

out of all those yield Max stocks bought

the funds and the funds were holding up

relatively well for the first 10% down

in the NASDAQ but then the next 5% down

we saw a true crash on Monday this week

this Black Monday and so I saw the true

colors of yag and ymax then they were

down again 10 to 11% more than the

indexes and they have 50% maintenance

you can go to Fidelity or interactive

brokers who has lower maintenance but

interactive brokers doesn't have the

special drip for Cornerstone and

Fidelity does have the special drip for

Cornerstone but the maintenance is a

little bit higher for Cornerstone at

Fidelity so just keep that in mind so

that's the first lesson I learned with

yield Max is you have to go even smaller

with yield Max I sold half of my yield

Max funds yield mag and yield Max and I

bought more Defiance as we know Defiance

was down less than the market on a down

day at first Defiance was down more than

the market but it actually ended up

performing quite well towards the end of

the day and Defiance was down less than

the market on a down day on Monday and

also today qqy was up 1.39 % look above

that beat the NASDAQ the NASDAQ was up

1.03% so not understanding the

complaints about Defiance once again

because it fell less than the indexes on

a down day and it Rose more than the

indexes today on an up day now the

problem with qqy is that you see this

erosion on the chart so it was up you

know maybe about 10% for the year before

the crash so was jeepy and iwy they're

performing quite well but people think

that with this kind of dividend yield a

70% dividend they should be seeing

better performance well again these

Dividends are helping to qualify at to

Bank of loans so they're giving me these

exorbitant dividends over 400,000 per

year and I'm qualifying to Banks for

loans so I can keep leveling up my

account okay so I need these dividends

from Defiance I need the protection on

down days from Defiance I like the

upside participation on up days with

Defiance but I do want a little bit more

participation on the upside so I went

into qdt and X DTE on the market dip

I've been waiting to get into these

funds because they have high maintenance

50% maintenance so the risk reward

wasn't good enough at the highs for qdt

in my opinion because of the 50%

maintenance but as you can see on that

chart right there they move upper left

or right some they give you some capital

gains ability with the high dividend

yield so that's why I'm buying more

roundhill because we've had the dip so

it's worth the 50% maintenance to me now

and also I again I want the upside

participation so qdt xtt should help

help offset some of the Defiance lack of

upside participation on some days but

qdt and xdt I just want more

diversification away from Defiance so we

know that I had all of my portfolio and

Cornerstone to start my channel okay a

year ago when I started my channel I had

my whole portfolio roughly in

Cornerstone and then we saw from October

of 2023 that you can have all of your

portfolio in Cornerstone so I move

Cornerstone to half of my portfolio and

then I move Defiance to the other half

well I just want diversification away

from closin funds like Cornerstone who

can have a mind of their own on a down

day like they had on Monday like we had

in October of 2023 and I don't want just

Defiance and yield Max because they're

not traditional funds so I'm trying to

get as much diversification as I can

away from Cornerstone and yield Max so

I'm buying Defiance and roundhill but I

also want diversification away from

Defiance because we don't know how

they're going to work so I want more

zero DTE diversification so I'm going

with roundhill and Defiance and

roundhill of course pays you a dividend

weekly so that helps offset some of your

margin interest a little bit better

there so you know there are many reasons

to buy roundhill but I've been waiting

to buy roundhill I've been waiting for

the dip to offset that 50% maintenance

blow okay another lesson that I learned

with yield Max during the crash is that

they cut their dividends in a crash we

already knew that was going to happen

but as expected they cut their dividends

we had lower dividend payouts this month

but yet Defiance raised its dividend

so this is exactly what we expected

defiant sales put so they're going to

raise their dividends in a down Market

yield Max sales call so they're going to

lower their dividends in a down market

and then Cornerstone keeps its dividends

the same okay they don't change their

dividends monthly they set their 20%

dividend for the year so you have to

have Cornerstone for the upward left or

right gains as you can see here on the

chart you have to have Cornerstone for

the special drip and the rights offering

opportunity that's how you really level

up your account but then you have to

have some Defiance for your exorbitant

dividend yields okay you want the growth

with Cornerstone and then you want the

dividends with Defiance and then I want

Best of Both Worlds with roundhill so

I'm going with roundhill for dividends

and capital gains but I can't have as

much in roundhill because the

maintenance is much higher QQQ y has 30%

maintenance this is why I had to have so

much of my money in qqy during the

downturn because its maintenance is much

lower than roundhill so again just be

aware that roundhill has higher

maintenance and higher beta than than

Defiance it was down more than Defiance

on a down day on Monday so Defiance

might not move up as much as roundhill

funds but it won't move down as much

either okay it was down less than

roundhill on the Black Monday I also use

options to protect my tech plays okay we

have a lot of Technology names with

Defiance yield Max and roundhill so I

have my options on they're up 1,000%

over 1,000% for all of you who bought my

options my put options I'm sure you made

a lot of money during this recent crash

my only only regret was that I didn't

let them compound okay and then we made

a killing on Monday but had I let those

options compound we could have made over

100,000 of those options so that's how I

also helped keep my outperformance was I

had those options and then I sold my

options here okay I sell options and

they move down less than the market on

down days because they are leap options

I sell options here to lower my margin

and still get participation to these key

asset classes like Bitcoin as you can

see Bitcoin was up 7004 today in our day

gains column for our options that we

sell so options help us lower our risk

because we take the strike price minus

the premiums to get our true cost bases

which is in the teens for bit X and then

we use these options that we sell to

also lower our margin and still get days

gains potential on the upside but when

we fall in these options they don't fall

as much as the market because again they

are leaps if you need help selling

options that's in my volume 6 e- guide

and again if you need help ensuring your

portfolio with options that's in my

volume 5 Eide okay so if you need more

help doing what I'm doing email me for

my eguides at akod [email protected] when you

buy my egid you get free access to the

Discord chat room for life and you get

my phone number for life so just keep

this in mind if you like the video click

like or subscribe I really mean that I

appreciate You' all liking the video

last time and I'll talk to you soon

everyone thanks