{"id":7283,"date":"2026-01-25T13:14:53","date_gmt":"2026-01-25T21:14:53","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlife\/?p=7283"},"modified":"2026-04-25T14:21:54","modified_gmt":"2026-04-25T21:21:54","slug":"how-to-invest-to-get-26-at-retirement","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlife\/how-to-invest-to-get-26-at-retirement.html","title":{"rendered":"How To Invest To Get 26% At Retirement"},"content":{"rendered":"

Semiconductor is still performing extremely well, so are my accounts and my kids 4\/25\/2026<\/em><\/p>\n

\"Portfolio<\/a> \"Portfolio<\/a> \"Portfolio<\/a> \"Portfolio<\/a><\/p>\n

Since I decided to retire, no more work because there’s no job could pay me $340k+\/year as my investment would provide. This is how I invest my money. BTW, this is how I’ve been doing and not to recommend anyone, just for information only.<\/em><\/p>\n

The stock market is extremely volatile, at retirement age, I don’t want to put all my money at work because if the market goes stagnate for 10 years like in the 70’s, average 1.6%\/year unlike now about 17%.<\/em><\/p>\n

I only invest in Semiconductor ETF, SOXX and SOXL, SPAXX, FRGXX, SPYI, JEPQ since I’m home and monitor the stock market daily.<\/em><\/p>\n

1. The goal is only invest 1\/5 = 20% of total money in the ETF, 1\/5 in SPYI, JEPQ for dividend 10%+ a year. The rest is in cash to get 3.4% from Fidelity Money Market ETF SPAXX and FRGXX.<\/em><\/p>\n

2.\u00a0SOXX is Semiconductor ETF and SOXL is leveraged 3x of SOXX, which is great when the market goes up, but extremely bad when the market goes down because it’s 3 times the gain and 3 times the loss. I’ve been doing this for 3 years now and I know how to trade SOXL.<\/em><\/p>\n

3. SOXL has been having average of 70 gapdowns and 70 gapups per year, based on the notion that all gaps must be filled, if I’m disciplined and patient, my 1\/5 of money could gain 100% = 20% of total money I have and the rest can come from dividends. Buy gapdowns and sell gapups. Follow the chart to the T. Recognize pattern up 10 down 5 or down 10 up 5 and buy and sell accordingly regardless of market down or up.<\/em><\/p>\n

4. SP500 always the sure thing, but when I need money consistently, nothing is sure. Since I’m still sound with minds and body, my goal is 100% every 3 years which means 26%\/year compounded.<\/em><\/p>\n

Cheers,<\/em><\/p>\n