Legacy AF Portfolio
Full transparency. No cherry-picking. Here's exactly what I hold, why I hold it, and how it's performing. Because if I'm going to tell you this strategy works, I better show the receipts.
Last updated: April 9, 2026 · 10 positions · Cash: $9.80
Current Holdings
Every position. Every dollar. No secrets.
Monthly Dividend REITs
The Core StrategyThis is the backbone. The whole point. These REITs pay dividends every single month, which means 12 compounding events per year instead of 4. REITs are legally required to distribute 90% of taxable income — so these aren't optional payments, they're the law. Every month, dividends hit the account, get reinvested, buy more shares, and the snowball keeps rolling.
| Symbol | Shares | Mkt Value | Gain/Loss |
|---|---|---|---|
| AGNC | 28.24 | $314.88 | +18.5% |
| ARI | 80.063 | $854.27 | +17.5% |
| ARR | 64.753 | $1,156.49 | +1.9% |
| DX | 29.886 | $414.52 | +5.9% |
| STAG | 51.421 | $2,042.96 | +18.5% |
| MAIN | 26.729 | $1,540.12 | -2.9% |
The Boomer Play
Demographic InevitabilityThis is my one quarterly-paying exception, and I'll tell you exactly why. 76 million baby boomers are aging into retirement right now. Someone has to house them. Someone has to run the nursing facilities. Omega Healthcare owns those facilities, and the demographic thesis is so bulletproof I'll tolerate quarterly payments for it. This isn't speculation — it's math.
| Symbol | Shares | Mkt Value | Gain/Loss |
|---|---|---|---|
| OHI | 71.566 | $3,443.04 | +61.8% |
Premium Income
Covered Call StrategyJEPI is JPMorgan's Equity Premium Income ETF — it sells covered calls on the S&P 500 to generate monthly income. Think of it as getting paid to not chase the top of every rally. Consistent monthly distributions, lower volatility than holding the S&P directly, and it fits perfectly into the monthly compounding machine.
| Symbol | Shares | Mkt Value | Gain/Loss |
|---|---|---|---|
| JEPI | 14.70 | $872.89 | +5.4% |
The Legal Monopoly
NVIDIA & LeverageI'll be real — I didn't buy NVDA because I'm some genius stock picker who analyzed semiconductor pipelines. A friend in tech described it as a 'legal monopoly.' Every AI company, every data center, every cloud provider needs Nvidia chips. There's no alternative at scale. That's not stock picking — that's recognizing dominance. NVDL is the 2x leveraged version for when you really believe in the thesis.
| Symbol | Shares | Mkt Value | Gain/Loss |
|---|---|---|---|
| NVDA | 20.009 | $3,651.24 | +41.4% |
| NVDL | 10 | $809.00 | +85.2% |
Portfolio Snapshot
10 positions across 4 categories · 8 monthly payers, 2 quarterly, 1 growth
How the Legacy AF Portfolio Works
Buy Monthly Dividend REITs
Focus on REITs that pay dividends every month, not quarterly. More frequent compounding = more growth over time. This is the core of everything.
Reinvest Every Dividend
Every dividend gets reinvested automatically. Don't touch it. Don't spend it. Let it buy more shares that generate more dividends next month.
Add New Capital Monthly
Contribute new money every month, no matter what the market is doing. Dollar-cost averaging into income-producing assets. Simple and effective.
Ignore the Noise
Don't watch CNBC. Don't panic sell during dips. Don't chase hot tips. The strategy works because you don't mess with it. Boring is the point.
Watch the Snowball Grow
Each month, dividend income is slightly larger than the month before. More shares = more dividends = more shares. The snowball accelerates over time.
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