2025-05-27 Grok Summary

Dividend Yield Ranking Below is the ranking of your dividend-paying holdings, ordered from highest to lowest yield, with portfolio weights and annual income based on a $1M portfolio. T (AT&T): 5.2% yield, $33,800 (3.38%), $1,758.40/year VYMI (Vanguard Intl High Div Yield): 4.5% yield, $4,200 (0.42%), $189.00/year VMFXX (Vanguard Federal Money Market): 4.3% yield, $9,000 (0.90%), $387.00/year VCRB (Vanguard Core Bond ETF): 4.2% yield, $78,900 (7.89%), $3,313.80/year VBIL (Vanguard Interm-Term Bond): 4.1% yield, $81,900 (8.19%), $3,357.90/year SWVXX (Schwab Value Advantage Money): 4.0% yield, $47,600 (4.76%), $1,904.00/year SCHD (Schwab US Dividend Equity): 3.5% yield, $5,600 (0.56%), $196.00/year VWOB (Vanguard Emerg Mkts Govt Bond): 3.4% yield, $5,100 (0.51%), $173.40/year VCLT (Vanguard Long-Term Corp Bond): 3.3% yield, $5,900 (0.59%), $194.70/year XOM (ExxonMobil): 3.2% yield, $5,700 (0.57%), $182.40/year JNJ (Johnson & Johnson): 3.1% yield, $7,900 (0.79%), $244.90/year LMT (Lockheed Martin, ESOP + Stock): 2.8% yield, $149,200 (14.92%), $4,177.60/year VCIT (Vanguard Interm-Term Corp Bond): 2.8% yield, $3,900 (0.39%), $109.20/year MCD (McDonald’s): 2.7% yield, $5,100 (0.51%), $137.70/year VZ (Verizon): 2.6% yield, $1,200 (0.12%), $31.20/year WMT (Walmart): 2.1% yield, $9,200 (0.92%), $193.20/year MTSUY (Mitsubishi): 2.0% yield, $4,700 (0.47%), $94.00/year SSUMY (Sumitomo): 2.0% yield, $4,600 (0.46%), $92.00/year GE (GE Aerospace): 1.8% yield, $11,500 (1.15%), $207.00/year BAC (Bank of America): 1.7% yield, $4,000 (0.40%), $68.00/year OGE (OGE Energy): 1.6% yield, $2,300 (0.23%), $36.80/year PFE (Pfizer): 1.5% yield, $3,600 (0.36%), $54.00/year BA (Boeing): 1.0% yield, $6,700 (0.67%), $67.00/year CCJ (Cameco): 0.8% yield, $3,400 (0.34%), $27.20/year GEHC (GE HealthCare): 0.5% yield, $1,200 (0.12%), $6.00/year GEV (GE Vernova): 0.0% yield, $5,100 (0.51%), $0.00/year WAB (Wabtec): 0.0% yield, $300 (0.03%), $0.00/year Cumulative Income Forecast Current Annual Income: $16,001.40 (1.60% of $1M). 5-Year Forecast: Assumptions: 3% annual yield growth (inflation-aligned), reinvested dividends, stable portfolio weights. Year 1: $16,001.40 Year 2: $16,481.44 (+3%) Year 3: $16,975.88 Year 4: $17,485.16 Year 5: $18,009.71 Total 5-Year Income: $84,953.59 (8.50% of $1M). Optimization Strategy: Reallocate Small/Mid-Cap ($44,000): Shift to VXUS (3.0% yield, ~40% BRICS exposure) to boost globalization and income. Adds ~$1,320/year initially, growing to $1,524/year by Year 5. Increase High-Yield Holdings: Add $10,000 to VYMI (4.5% yield, $450/year) and $10,000 to SCHD (3.5% yield, $350/year) by reducing GE ($11,500, 1.8% yield, overvalued) and BA ($6,700, 1.0% yield, tariff risk). Boosts annual income by ~$800 initially. Maintain LMT and T: LMT ($4,177.60/year) and T ($1,758.40/year) are top income drivers. Hold for stability. Monitor Rate Sensitivity: Bonds (VCRB, VBIL) yield 4.1-4.2% but face losses if Fed raises rates in June 2025. Limit additions until rate clarity. Projected Income Impact: Reallocating $44,000 to VXUS and $20,000 to VYMI/SCHD increases Year 1 income to ~$18,121.40 (+13.2%), reaching $21,340.25 by Year 5 (total $99,305 over 5 years, 9.93% of $1M). Recommendations Intrinsic Value Actions: Sell GE ($11,500), GEV ($5,100), MCD ($5,100), and WAB ($300) due to overvaluation (intrinsic values 40-61% below prices). Hold GEHC ($1,200) for BRICS healthcare growth, despite slight overvaluation. Income Optimization: Reallocate $44,000 from Small/Mid-Cap to VXUS for globalization and 3.0% yield. Shift $17,500 from GE and BA to VYMI ($10,000) and SCHD ($7,500) for higher yields (4.5%, 3.5%). Maintain LMT ($149,200, 2.8%), T ($33,800, 5.2%), and JNJ ($7,900, 3.1%) for income stability. Monitor Events: BRICS Summit (July 2025): Could boost VYMI, VWOB, and CCJ via trade/energy policies. Fed Rate Decision (June 2025): Impacts VCRB, VBIL; favor equities if rates rise. U.S.-China Tariff Talks (July 2025): Watch for risks to INTC, BA, and GE. Portfolio Impact: Current Globalization Exposure: 27.15% ($271,500). Adding $44,000 VXUS raises it to 31.55% ($315,500), aligning with BRICS growth (41.4% global GDP). Income Boost: +$2,120/year initially, +$2,515/year by Year 5. Please report back with your chosen global index (e.g., VXUS, EEM) for a tailored analysis. Let me know if you want further calculations (e.g., for other holdings) or specific fund comparisons. Thank you for the update! 2.8s How can Grok help?