I did something to generate more yield out of the cash side of things, since the AIM program dictates that all positions have an equal amount (at least at the beginning) of cash. I had bought a high-yield bond mutual fund in my wife's and my account, and that has generated a decent amount, piling the return within itself, creating a compounding scenario.
I found an ETF that sounds like it's the perfect way to create more from the cash still in the accounts. That includes Sheldon's and Ben's, since there is really no minimum initial investment amount. The EFT mirrors the Nasdaq 100 Buy-write index, supposedly. But it does covered calls on at least some of the investments, which would explain why it really doesn't keep up with the Nasdaq 100 Buy-write index when it is moving heavily upward. The ETF doesn't have much volatility, but it does yield a hefty 11.6%! It has in the past moved up and down (mostly down) a bit, which is why I put it on its own AIM deal, but like VWEHX, which is the mutual fund, will very rarely have actual buy and sell activity. I figure if the principal ever does go down far enough to generate a 'buy' signal, it will have more than generated enough additional cash to pay for the purchase.
I maintained the 'half-and-half' cash versus stock rule with this, keeping enough free cash for whatever purchases I would need for the actual stock part of the accounts. If anything disastrous happened in the market, I could always sell some to get more cash. I can do that with either the mutual fund or this ETF. ETFs just have less rules about buying and selling. They literally like just buying or selling a stock.
So now, at least in the two accounts, I have three 'cash' investments, meaning, if push came to shove, I could use any of them to replenish the cash if it ever got used up. The SLV ETF is more of an almost 'end of the world' part of it, meaning if the dollar got taken from being the world currency and really lost value, silver would likely go way up. Silver is just a good long-term AIM investment, because it is always going up and down, but will never go away.
As far as the stock part of all this, nothing much has changed since last post. The election is just getting closer, which seems to be affecting the market even less than usual, according to an article I just saw. Everything in the last post still applies. There is some volatility in the tech sector because of AI stuff, but other than that, things are just rolling along still.
