@chuatnhat I could. And every post on Reddit could be a Google/library search. Every question people ask could be a personal research. Why do we botter talk each other you're right ! Seriously you could use the time you spend on your mean message to answer me
@ben77 A lot of the decisions (e.g. withdraw second pillar or not) dont need to be made early. Its maybe not about how to build wealth, rather how what they have can best serve their needs in retirement.
@strobertofsalzburg I mean they could totally invest into some nice dividend ETFs. Seeing how easy that is you can even help them set it up. These ETF are very stable and pay out a decent dividend that helps cover the loss of income. There would also be bonds for super stable income.
@escuej1 I mean if performance doesn’t matter you could also check out a REIT like $O. They pay consistently dividends (monthly even) at around 5.5-6% with current price. Performance has broken down a bit since COVID and inflation + interest hike.
@bod2411 Since they are retired they don’t have any income and therefore will pay very little on it. For me personally it’s more diversification (it’s not like 3% yield is huge) but the overlap between VOO and SCHD is super small.