133 - Our Conservative Portfolio Q4 Dividend Update + Stock Insights

This episode is our Q4 dividend income update for the conservative retirement portfolio — the portfolio built for stability, capital preservation, and reliable income.

We compare Q4 dividend payouts against Q3 and break down exactly how much income this portfolio generated, how it has grown, and which holdings are pulling their weight.

What we cover in this episode:

• Total dividends collected this quarter: $4,532.11 (up 7.55% from Q3)
• Full-year income: $18,416.86 — averaging $1,534.74/month
• What we sold (AFG, half of ABR), what we took profits on (BTI, MMM), and why
• New positions: AEF, KMB, DX
• Which holdings are currently overvalued vs. undervalued
• Early dividend warning signs and what decreasing payouts can tell you
• Stocks to watch heading into our upcoming 2026 macro trends & stock picks episode
• How tracking your dividends reduces research time and exposes risk early

This episode is perfect for anyone building a retirement income portfolio, dividend investors, or anyone wanting to understand how to evaluate what’s working — and what isn’t — in a portfolio designed for long-term stability.

We also walk through attached spreadsheets showing the full numbers and our valuation chart with:
 ✔ Buy-up-to prices
 ✔ Target prices
 ✔ Undervalued opportunities heading into 2026
 ✔ Stocks to avoid right now due to sentiment, fundamentals, or looming dividend risk

If you're a conservative investor who wants a clear roadmap of what to add, avoid, or research before the new year,  this episode is your guide.

Dividend Spreadsheet

Buy-Up-To Price Spreadsheet

Questions? Email Tim at debrine9@gmail.com

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Transcript

Welcome to roaming returns a podcast about generating a passive income with dividend stocks so you can secure your finances and liberate your life. 

Today we’re laying out the actual numbers this retirement portfolio produced in Q4 so you can see the real income, the real changes, and the real decisions behind the scenes.

We’ll walk through Q4’s payouts, how they compare to Q3, and what those numbers tell us about the health of the portfolio and possibly the market. 

We’re also calling out which stocks are undervalued, which are overvalued, and where we turned DRIP on, off, or trimmed positions so you can decide what to buy, avoid, or adjust heading into 2026.

And to Mike who sent us a message through the text link, sorry for the wait. I didn’t realize we aren’t able to respond directly through our podcast platform. I’ve updated our contact info at the bottom of each episode summary. Shoot Tim a direct email and we’ll make up for leaving you hanging. 

Hey, hello. All right, we're back. What did we do last week? I forget.
It's our portfolio. Doesn't matter, just start out. I hope whatever we talked about last helped.
So much going on, confused AF. This week and next week we have our portfolio updates with our dividends collected and- For the quarters. Our buy up to points and things of that nature.
So this is our Q4. So this is, yeah, it was our Q4. This is everyone's favorite stuff.
But we should say how the market has crashed, yes? Market did crash, but it rebounded a lot, so- But did it rebound before the end of the month? No. No. It started to.
But just an update from people that weren't here last time. For the period June 25 through August 25, which is our quarter three, we collected- Do you have that chart in this other chart with those things next to each other? No. Okay, I have to make a new thing again.
We collected $4,214.04 for those three months in the retirement portfolio. Versus? And there was a bunch of revisions and all that shit. We talked about all that.
In June, we collected $1,241.97, so it's $1,241.97. In July, we collected $1,165.52. And in August, we collected $1,806.55. So through the first nine months of our calendar, which would be December through August, we had collected $13,884.75 in dividends for the year. Which means on average, we were getting about $1,542, $1,543 each month around there. Did we say this is the conservative portfolio? The retirement portfolio.
I didn't know. The conservative retirement. Conservative retirement portfolio, aka my mom's.
So what do we have going on for this one? We'll give you the quick breakdown real quick, then we'll go into detail. For this quarter, which is our quarter four, which was September of 2025 through November of 2025, we actually collected a total of $4,532.11. Which is? Which was a 7.55% increase over the quarter three. Now, there's a caveat in that quarter three was really trash.
So 7.55 is not really that great. I'll show you. So how much higher was it than quarter two? Quarter two was higher.
Than quarter four? Yes. Okay. We'll go through all that.
In September, we collected $1,414.97. In October, we collected $1,401.12. And in November, we collected $1,716.02. So that means for the full 12 months, we collected $18,416.86. That on average, we were collecting about $1,535 per month. I will make a chart so you guys can compare these and see these later when we post the links to things. It's easier to read.
Okay, whatever. In this quarter, we actually sold our position in AFG, which was our insurance stock in the retirement. The reason we did that is because we were only making like $20 each quarter, which we had like thousands of dollars in it.
We're only making $20 a quarter. That doesn't really... That's not like a... Worth it. Worth it in my... And then we also cut our ARBR, our ABR position in half after ABR had just a really awful earnings report.
We just took the proactive approach to like, there's a possibility that they may have to cut their dividend more or some other shit will go shake out. So we just got rid of half of it. We kept half in case it rebounds.
And then we took profits, meaning we actually... For us, when we take profits, it means we take out our initial investment. We finally got that done in the retirement portfolio in both BTI and Triple M. Nice. Both these investments are now all profits.
You can literally just leave the drip on and just let it compound at that point. So that means in our retirement portfolio, we have NVDY, MMM, BTI, and SBSW. They're all profit.
We've taken our initial at all those. We currently have the drip off on JEPQ, XYLD, HTGC, MBXG, YMAX, and BSM. We have the drip off and we're actually recouping our initial investments in those at the current moment.
And in this last quarter, we actually initiated three positions that we started. We started a position in AEF, which is a closed-ended fund for emerging markets minus China. You mean the China? I like excluding China from it because it is unreliable data and everything.
So I like the emerging... I can't help when people get back to me on things. Women. We initiated a position at KMB, which is a severely undervalued dividend grower that basically... We made a mention of that in the podcast as well as the email.
We actually initiated a position in that one. And then we basically took our half of our proceeds... When we cut our ABR position in half, we basically took that and put it into another M-rate, a mortgage rate called DX, to basically make sure that we actually take advantage of what I think will be a pretty lucrative year in 2026 for M-rates. As of the... Which we will get to in the 2026 episode.
Yes. The last podcast of the year will be the 2026 predictions. Right now, JEPQ, NBXG, UAN, YYY, MMM, BTI, BKH, VALE, NAD, NZF, SBSW, ADM, and AEF are all overvalued at this time according to my metrics.
Other experts might have them not overvalued, but according to my metrics, they all are. At this time, HTGC, LFGY, OZK, CIVI, IIPR, SWKS, and KMB are all undervalued by at least 15%, according to the experts' price targets. I mean, when I say experts' price targets, is you combine it all and you just make a price target and you just divide it by or multiply it by 0.15 to see if it falls in that category.
We have a spreadsheet I'll show you. But that's the summary. Now we're going to dig into deets.
Deets. There's our 12-month spreadsheet. Isn't that exciting? Yeah, sure.
And what you'll notice if you scroll over to the right real quick. Right. What is over here? It breaks it down by quarter.
And the one thing I wanted to mention was that we actually have to be very conscientious of the JEPQ moving forward because its dividends have been kind of eh. Yeah, red flags have been thrown up for that one. So JEPQ, even though I'm trying to get it.
I think it's all profit in one portfolio and not all profit together. Yeah, because look at that. Q4, for our Q4, it's down a heck of a lot.
It's the lowest it's been all year. Yeah. Red flag.
So that one, I think that's the only super duper red flag. Scroll down while you're in there real quick. That second one there is one of our 4071.
That one I'm not worried about at all. It's one of our muni funds. I'm not worried about that one.
That's just it for whatever reason. That's how it came out. Yeah, but that's not much of a drop compared to what JEPQ was.
Yeah. Anything else? Nope. So that's like the oldest.
So just looking at the quarter one, quarter two, like through the quarters, the only one that we really have to watch is JEPQ. And then the one right below it, I think is XYLD. That's one that we should keep our eye on, but I'm not too worried about that one as of this time.
Oh yeah, because again, Q3 was low. Q4 was low too, but higher than Q3, but lower than Q1 and Q2 by a good chunk. So something happened with whatever those three.
But they both have the drips off. So I don't know if having the drip on actually contributed to their higher, like their dividends being like that. I don't know.
So it's something I'm just going to keep my eye on. All the ones bolded on the left are the ones that were taken in cash. I was going to ask if JEPQ and XYLD are paid back yet? No, I'm working on it.
Okay. So because those have dropped, we would be considering making sure we get our recouped initial investment or moving on. Yeah, you'll see the ABR there.
You'll see we cut it in half. It went from $116 down to $55. But that's to be expected when you cut a position in half.
QRTEP is still not paying a dividend. The QDC one? It's been two quarters now that it hasn't paid a dividend. I don't think it will.
I think that's just going to be... Yeah, we're down so much in that, there's really no point in selling it. Lost money in that one. NVDY has actually held up really well compared to a lot of other yield maxes.
And when we go through the Coney experiment... On the next one, we have a hell of an update for you guys. We'll discuss it. We got an email that I think there was 12 or 15 yield maxes actually did a reverse stock split.
And Coney was on that list. NVDY wasn't one of them, so that's good. LFGY, I really like for 2026, but it's been a pain in the ass in 2025.
But that's a crypto one through yield max that they actually hold the crypto companies in. So I'm not worried about that one as of yet. The rest of them here, they're doing what they're supposed to do for the most part.
This one's nice and easy compared to the one we're going to go through next week. Why is that? Because our van life portfolio, we have 13 or 14 weekly payers. And we have a lot of variable dividends.
Is that why it's hard? A lot of variable dividends. It's very difficult because the third month in quarter two and the third month in quarter three, which was May and August, both had five Fridays in them. And then November only had four Fridays.
So it looks like the quarter four and the van life one was really bad. But we have 14 weekly payers. So if you miss one week in dividends, even though it's technically still there.
Oh, so it's not Apple's that Apple saved you. That's annoying. Yeah, that's hard.
You'd have to add them up and have a job. The only weekly payer that her mother has in her retirement account is NVDY. And that actually held up pretty good score.
LFGY is not a monthly? Or it's a monthly? LFGY is a weekly, but it's not like one of the main ones. It's kind of that one held up pretty decently. And YMAX is a weekly.
Okay, so her mom has three. Don't lie here, Mofo. Right in front of us.
Her mom has three and NVDY held up really well. All things considered, YMAX, I think. I think that one's probably a cause because YMAX in general.
So say, repeat what I said before. I know I've said this sporadically throughout. I think the Coney updates, but like YMAX, we were just talking about how the Yieldmax have that nav decay problem.
And that goes across the board. We've been reading articles, personal experiences, Coney experiment, the whole happy thing. And because YMAX is the index fund of all the Yieldmax, you're probably also gonna be getting that nav decline over the course of things.
There's a few outliers, like Tim said, NVDY and LFGY for right now. But this is one that you should have flagged when we went down over here. We did talk about it.
For the quarters. So we have to watch it for the next quarter. It went up, so it's not- It did go up, but again, that might be that extra five week thing, right? No, no, that was the third quarter.
The second, third quarter both had the extra week in them. Okay, I retract my statement. But yeah, it's one that you should watch.
It's like 10 something right now. I think it appears that like anytime Yieldmax drops below like $5, they just do a reverse stock split. You mean any of the Yieldmax? We're not just saying YMAX right now.
But so if you are interested in like an index fund of those weekly pairs type thing, you should know, or we would absolutely 100% now get into Roundhill's version, which is YPAY, WPAY? WPAY, yeah. So that one looks very, very promising. So if you want to, you know, not take the risk on YMAX.
Well, the reason why LFGY is like an aberration compared to the rest of them is because they actually hold the stock in that one. So that one's actually pretty strong. Which is exactly like the Roundhill strategy.
So I'm guessing they're trying to maybe expand out with some of their newer ones. We'll see what happens with that. But again, until YMAX gets their shit together, they're not really incentivized to do anything other than take your money and make fees.
You'll see right there at AFG, that line right there, we were making $21, $22 a quarter on like, I think it was $2,500. It was that 50, 68 was a special payment. That's one of the ones where you're in like a small yield.
It's like one to 2% yield, but you're kind of dependent on special dividends to get you to make up for it. And to me, it wasn't worth it. So I just deployed that capital elsewhere.
Oh, so that's why you sold that one? Yeah. And what I wanted to mention about that one, and we did the same thing with Triple M whenever we actually collected, or we recouped our initial investment is I waited till after the dividend pay. So I got the last dividend before I sold anything.
Nice, nice. If you have dividend payers and you want to sell something and you have the luxury of selling it whenever, I would always wait till after it goes ex-dividend. Or that way, when you sell it, you're still getting the dividend for the shares you had.
It'll just go as cash in your account at that point. They won't actually reinvest it. Which is good.
Other than that, this one looks really good, like it's supposed to. It's doing exactly what it's supposed to do. And I like it.
So I'll go all the way to the bottom. You'll see there we have in the bold is what we made each month. And you'll see the first month, the first month of the quarter, we did well.
The second month of the quarter, we did well. The third month of the quarter, I think would have been better. But that one there had five weeks and that one only had four.
So I think this actually would have been better. If you scroll to the right. But that's still better.
It's $1,700. That's better than the first two months of that quarter. Scroll right.
And you'll see here's where it gets scary. Quarter one, we made $4,602. Quarter two, we made $5,068.
And then quarter three was so bad that anything was a step up from quarter three. So that's 7.5% increase is kind of misleading because it's still pretty shitty compared to where we were in quarter two. Yeah.
And then this quarter, $4,500. But we did sell some things and everything. So I think we'll be around the $4,200, $4,300 each month moving forward and as we compound.
So the order, for those of you just listening, it went quarter three was the lowest, quarter four second, and then it was first quarter and second quarter. Second quarter was the best quarter for this year. Now we have the buy up two points for the portfolio.
Everything we hold in the portfolio, I just got rid of, like stuff I sold, I got rid of. I'm not doing that anymore. What do you mean stuff you sold you got rid of? It's like before I just took, if we collected a dividend off it, I kept it on my ticker.
Like I got rid of it. Everything that's on this is what we currently hold in the retirement account. Okay.
And I have the buy up two points and the yields and the year to date total return. Okay. And as we said in the beginning, we went down a list of which ones are undervalued versus which ones are overvalued.
We will post this in the show notes for those of you who want to go through the full portfolio and see the buy up two prices. Well, if you're watching the podcast though, you see the bolded ones are overvalued. The red ones are undervalued.
I don't know why you do red for undervalued. It should be like a green. I don't know.
Tim goes backwards to like regular sentiment. So there's plenty of places where you can dump your money into a few because everything's so like overvalued in certain sectors. You can dump your money into an aisle though.
We can reiterate because there really aren't that many. HTGC is one you can get into. LFGY, OZK, CIVI, IIPR.
Love that pot stock. SWKS, Skyworks and KMB. Kimber or something or other.

And the bottom three are the three newest buys, the AEF, KMB, and DX. You'll see that KMB's had a really shitty year so far, so that was like a no-brainer. It's kind of like Target and UPS, LYB and shit like that, where they're just down so much and they make so much money.
It was a no-brainer. The two that'll surprise people is AEF. AEF was up 38% and I got into that when I still I think it was undervalued.
It might be fair value, I don't know. We'll see. According to the experts, its current buy up to price is $6.50 and we got it $6.58, so we overpaid for it a little bit.
But we're up in it 5% and it yields 8.5%. It's basically its exposure to emerging markets without China. And then DX, but that's like a complete backward trend that we'll cover at the end of the month whenever we go over the predictions. Emery's, I think, will have a really a banger year in 2026.
So I was repositioning my ABR because ABR just had a few, listen to the podcast previously or maybe this two podcasts ago, I forget when we mentioned it. Basically, the only way that ABR was able to afford their dividend is they actually liquidated some assets to pay for their dividend. When companies start doing that, that's a slippery slope.
Yep, that's a red flag because you don't know what's going to happen in the next coming quarters and with the way the macro trends are with this tariff situation and this massive pullback we had here towards the end of the year. And then we're going into the Santa Claus rally, but in January, people do that tax loss harvesting thing. It's the last week of December they do tax loss harvesting.
But still, you have a massive pullback normally and then people- It's one of the aspects of the YieldMax that we actually didn't discuss. I hate to talk about YieldMax more, but because people are going to be doing tax loss harvesting at the end of December, there's going to be more selling pressure on the YieldMax since people are going to be taking their losses for tax purposes. But we actually had a comment on the last Kony update and this may actually be something to consider because I was looking at our 1099 for 2024 for the first payout of the Cony experiment.
And it said that it was 100% dividend payout, which is not- Return on capital. No, it was not return on capital. But some of the YMAX and the YieldMax stuff is return on capital.
So you really don't know going out throughout the year. So that needs to be checked. And I don't even know how you find that out unless there's some way to dig into it.
But you should definitely consider that before tax loss harvesting because if it's already return on capital, if you sell that at a loss, you actually cannot do that tax loss harvesting because you're getting your original money back. You're not actually locking a loss in. So that was something that he said, the commenter said, which is definitely a very valid point.
I am really curious to see what the 1099 says for the Cony experiment throughout the year. I know I did see some return on capitals for other- I don't know if they were YMAX or just other stocks in the portfolio. They could have been LPs.
They could have been MLPs. I'm not really sure. But that is something to keep in consideration.
So if you are tax loss harvesting YieldMax, FYI, go dig into this specific one. They probably disclosed it somewhere they would have to. So you'll see when you look at our results, you'll see why I'm not too concerned about YMAX.
But I will say there's no rhyme or reason. Because you look at YMAX right here, which is line 13. We got it in 1992.
So we'd be shitting bricks if we weren't taking money out. We were actually just driven. Because it's currently at 1069.
But we have collected $13.10 in dividends. So we're actually- our cost is actually 682. So we still have $4 of wiggling room.
So fuck it, whatever it can do, whatever it does. Same thing with the NVIDIA, the NVIDIA one, NVDY. We got it at 1532, and we've actually collected $33 in dividends.
So we're well up on NVDY. So I don't care what it does. Yeah, that one we're not too worried about.
Every YMAX episode we've done has that strategy. We've discussed it ad nauseum. That's why we do that.
We don't do it with everything, but we specifically do it with some that we're not 100% sure they're going to be around in like three or five years. The more high the risk, the faster we try to recoup the initial investment. Do we have news on any other of the actual stocks throughout this portfolio? Because this one's a pretty simple portfolio, because you're actually invested higher in the better stocks and not the variable crazy ones, which is where our van life portfolio comes in.
The BMY, that one has some stuff in the works. From what perspective? They have some drugs that are getting tested that if they actually pass their test, that price is going to explode from $49.20. And if they fail, it's going to dip? Yeah, it'll dip. So that's one to watch.
If you believe, like BMY, if you recall, I forget what episode we went over, but that's one of my top five for the next decade. They just have so many things in their pipeline that even if they only hit on half of them, the share price should be in the $120, $130 range. And it's at $49 right now.
So that's that one. Vale was one that we've never mentioned, but that one had a banger year. So if you saw that one and said, hey, that's an interesting one.
That's just like iron ore pellets and shit like that. If you got into that, you're up 50% this year. That's pretty sick.
So if we never mentioned on the podcast, it must have been in the emails that I'm referencing or remembering. TRMD is one that had a really earning. So that one should be, you should be able to get in that one if you want.
But I don't know. A lot of people recommend that one. There's better, EPD is better than TRMD.
TRMD is just like oil transportation. It has a bunch of ships that transport oil across the oceans and shit. I would rather just have the pipeline type thing like EPD has where they just pipe it to their storage locations in America.
I think that's just a better play given that the cartels are all manipulating the price of oil. So the problem with TRMD is because they're manipulating the price of oil, it's so low that they have to reduce their fees to charter their boat to transport the oil. So they're not making as much in revenue.
So that one could be a really difficult one to stay in. We might actually get out of that one here in the near future. Good to know.
Glad I asked about the moves. Target, TGT. I know how a lot of people have a problem with that one because of their DEI, the policies and lack thereof and whatever else.
But from an investing standpoint, that doesn't really- I just read an article about Target. If their free cash flow keeps falling, I might actually have to reduce their dividend at some point, which I think it's 52 years in a row, but it's not anytime in the next couple of years. So you can probably get a good, I don't know, 15% in that one in the next two years total return, and then you can sell it.
That's another one that I'm not 100% sure that you should get into just based on the macro trends. A lot of people are pissed off at Target. When they're pissed off, they don't shop there.
And if they don't shop there, then Target's revenue goes down. And then when their revenue goes down, they have so much in dividends they have to pay out. So their payout ratio went from, I think it was 46% payout ratio to 78% just within a year's time, which is how much revenue they lost.
That one's a real possibility probably in 2027 or 2028 to cut their dividend. Okay. So that's one we need to keep an eye on.
So that makes sense. I actually was wondering if the DEI thing was actually going to have more of an impact from a ripple effect, and you just confirmed my theory. And the one that's two lines above it, LYB, their earnings was kind of another one, meh earnings.
They do chemicals and the chemical business isn't that great. And again, their margins and their revenue has been reduced a lot in the last couple of years. So I think this one actually might cut their dividend too.
And I think they're at like 37 years or something like that. Well, again, see, this was another one that actually threw up spidey senses for me when you got into it, because if you follow the trends that are happening, people are moving away from chemicals, people are just pissed in general of chemicals, whether they're right or wrong, doesn't matter. That's mainly an American thing.
I understand. But that doesn't mean that it's not going to trickle over somewhere else because everybody follows America. That's a worldwide thing.
I don't know. I don't know. I'm just saying I could see that potentially having a bigger ripple effect later because, you know, people outrage space.
Scroll up once. Let me look at the rest of these here. If I see anything else, Skyworks, THTA and ES is another one that I think should be on everyone's radar.
That buy up to a $70 is basically on the experts. I think that's way low. I think that ES is worth about $90 a share.
And you're getting a four and a half percent yield while you wait for that to go up to $90. I think that one and the one above it, they're both electric utilities. BKH has had a pretty good year.
ES has had a pretty good year, but there's a lot more room to run in those because of the power that's going to be necessary to run AI. So those are both ones that should be really well in 2026 and 2027. Scroll up some more.
Let's see. Blah, blah, blah, blah, blah. CIVI has just been shit since we got into it.
We were so hopeful for that one, too. But I think once the price of oil, like once the oil glut, like right now we're in the oil glut period. If you're not familiar with that, what that is, that's like where all the countries that produce oil keep producing oil.
So we have so much, so many barrels of oil. We only have a limited demand for it. There's an oversupply of oil.
At some point that will even out. Depends on how long the cartels keep trying to fuck other countries. We don't want you to produce oil, blah, blah, blah.
So that one I think is just a buy and hold. You're getting 7% return. You just collect shares while you're waiting on it to return.
NLR goes ex-dividend this month. That one might be one that we get out of in January because it went up so much. That's the nuclear power one, right? Yeah, we actually recouped our initial investment in that one and everything, and that's all profit.
And when he says the dividends coming through, that's a yearly dividend. So that's a big, big to do. I don't really like the yearly dividend one, but I just got in that one.
But nuclear, and that was a great play because you said over 100% gain, right? Yeah, you could have got like 130% gain. That's crazy. ARCC is the best BDC.
If I can't believe more people aren't in that. I actually talked to people who don't even know what it is. They're like, what are you talking about, ARCC? It's like, dude, that's like best financial play you could do.
Ozark, you'll see is in red. It's actually undervalued right now, which shocks the shit out of me. It's a regional bank in Arkansas.
And that one, I do believe will be fine. Actually, that's where we're putting like either between that and Target is where I put the cash I have in the retirement account. It keeps going in between.
That was like one week I'll do Ozark, the other week I'll do Target. I feel like you should throttle back on Target and put more on Ozark, but that's just me. Okay.
And then scroll up any more than we need to talk about. Blah, blah, blah, blah, blah. Hercules is actually undervalued, but like we have, we got that at such a good price that there's really no point in putting any money into it.
And we're up 165% in it. So, and the one that people keep talking about AI, AI, AI is an AI bubble, blah, blah, blah, blah, blah, blah, blah, AI, PI that people just get into it. Like it pays out.
You mean, are you telling people to just get into it? Oh, yeah. So yeah, we've actually had discussions with people thinking AI is in this bubble, but what, this isn't the dot-com bubble. If there is anything, this is more like crypto where it has a run and then we're going to have a pullback.
But I think we are literally still at the foothills of what AI is going to iterate into and expand into because they're now moving into robotics. They're moving into so many different facets. They're moving into the actual data storage.
Like there's so many components. AI is not just chatGPT. There's like so many components to it.
We'll discuss that at the end of the month, whenever we do the 2026 because I actually have a pretty good, pretty good breakdown of what AI is like moving forward. So this fear tactic that's happening with AI, where everybody thinks it's like going to fall off a cliff. Again, the same with contrarian.
When people are fearful, that is they sign to get in. Because basically there are, I want to say three or four segments of AI, like iterations. And we just barely just finished the first ones.
We have three more to go through. And the fact that technology doubles every like, it is just exponential. Like in theory, what people say AI is in the bubble that could be actually accurate, but some of the companies that are overvalued because of AI, expenditures, yeah, those are in a bubble, but AI itself is not a bubble.
Not at all. And like, we're just at the very foothills of the technology increase with that. But that doesn't mean again, all the companies, but that's why it's nice to be in these actual funds that find those good companies.
So AI, PI is amazing. And it pays you, what is it? 30% on that one? Yeah. So that one has a lot of freaking out 36 at current price.
Other than that, that's it for this. We will be back next week with the van. The van was much more interesting than the retirement.
The retirement was boring and slow and steady. This is the tortoise next week's the hare. But again, this is a great return on portfolio for something if you want, like tried and true, more conservative oriented, more safety secure.
I can tell you the two portfolios, this one, like we had a very big drawback in October into November and this one went down to like 178, but it's already back up to 188. So this one rebounded a lot faster. This one recovered really quickly, whereas the van life Schwab one is still at like 98,000.
So it dropped like 7,000. It hasn't recovered as quickly. I remember we were actually talking when it did that pullback.
We were like, wow, it pulled back just as much as our van life portfolio did, which it should not have done. But the fact that it rebounded like fast is I guess the light saving grace, whatever you want to call it. That's how these things work.
Again, conservative value perspective, value focus. So dividends plus the value, whereas the van one is more just on the income. So like we're still riding right around the a hundred thousand mark, which we were last year.
And I think the year before, weren't we? But again, update our closing date is on 1215. So we will have a nice like hundred fifty thousand dollar check that we're going to expand our van life portfolio significantly here soon. We're going to do a live stream.
So if you guys want to actually attend that, we'll send out information at some point during the next couple of podcasts because it is the third at this point. So if you want to be partake of that or if you have any questions, I'll probably set something up so you can submit questions if you're not going to be able to be there for it when we do it. So we should debate if we want to get in before the end of the year or next year.
We'll have to look at the values of the round hill stuff we're going to get into. Yeah. So we'll do the cash payout.
So maybe we'll break it into two episodes. We'll do the cash payout one and then we'll do another one. That way people can attend for either or.
So anyway, we'll figure it out, but you get the gist. I'm going to post links to all this stuff because those of you who are just listening to the audio, visual definitely helps. Charts definitely help.
And I will put a summary at the end of one of these because Tim never adds it in where it compares side by side. It makes it easier to see the different month breakdowns as a comparison because this month or this quarter was not as good as. It looks good.
It's still decent. It looks good, but it's like compared to the other quarters of the year. The goal is to try to get it to go up every quarter if possible and that did not happen.
We had. But we did have some massive like QRTEP or QVC or whatever it is now had a massive cut. Well, then that and I reorganized the portfolio in quarter three.
Yeah, JEPQ doing what JEPQ is doing. That's what quarter three and quarter four weren't as good as quarter two. But this is, we were actually just talking about how you don't necessarily have to be in your portfolio all the time, but having a chart like this helps you see the patterns of these different stocks unfold and I actually think gives you a better like risk mitigation awareness.
Well, if you go back to the year round of the full year thing, so this is what like this is what I have. I input like I have a spreadsheet where I input all the dividends for every month and I can just look at it and be like, wow, okay, so that's doing that's doing what's supposed to. That one's not like.
But I do like that you actually did it per quarter because you can see because if they are paying quarterly, you can see if it goes up or down, but that gets a little screwy if you have those extra weeks in there with weekly payers. But you just again, this is a great snapshot to again, keep your awareness up. So if there wasn't something in the news that explained this, like you can see the trajectory probably before the crowds and get out with more of your value preservation than most people.
So this is clutch. We realized through doing this, through sharing it with you guys, that this is probably one of the best things you could do even on an individual level for your portfolios versus following the freaking news. It'll tell you where to go look for news.
So it should save you time. I'm saying for the general people, they don't have to really do the macros. If we're already doing the macros, they can piggyback.
That's what I would do. That's what I do do. Do do.
Do do. All right, guys. Hope that was helpful.
Now I'm going to go freeze. Oh my. Shush, shush.
We will do the van life one next week. It's going to be super fun. Doosy, doosy.
Doosy. Doosy, doosy. Hold on.
I have to flash one more time. I have to flash one more time. All right.
See you guys next week.