2118: Cash Flow Investments: REITs and Agency Mortgages by JT McGee

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🗓️ 30 November 2022

⏱️ 12 minutes

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Summary

JT McGee with The College Investor talks about REITs and Agency Mortgages Episode 2118: Cash Flow Investments: REITs and Agency Mortgages by JT McGee Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults. The original post is located here: https://thecollegeinvestor.com/3589/cash-flow-investments-reits-agency-mortgages/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	If you are a lover of affirmations or you've just heard about how powerful they can be,
0:07.0	then you are going to love the Daily Affirmations for Women Podcast, created by the Women's
0:13.0	Meditation Network and hosted by the amazing Jodi Aegard.
0:17.0	Every morning you'll receive an episode that is dedicated to one specific affirmation,
0:22.0	so you can have this space to reflect on it and receive the power within it.
0:26.0	Follow and start listening now to the Daily Affirmations for Women Podcast on your favorite podcast player.
0:35.0	This is Optimal Finance Daily, Episode 2118.
0:39.0	Cash Flow Investments, Reads and Agency Mortgages by J.T. McGee with the College Investor.com.
0:46.0	And I'm your host and personal finance enthusiast, Diana Mariam.
0:51.0	For now, let's get right to it and continue optimizing your life.
0:59.0	Cash Flow Investments, Reads and Agency Mortgages by J.T. McGee with the College Investor.com.
1:08.0	Real Estate Investment Trust, Reads, are a favorite among Cash Flow Seeking investors.
1:14.0	By law, Reads must return 90% of their operating earnings back to shareholders in the form of dividends.
1:21.0	While this similarity makes Reads look like cookie cutter investments, they're anything but.
1:27.0	Let's run through the several different types of mortgage read investments.
1:33.0	1. Agency Mortgage Reads
1:36.0	Agency Mortgage Reads hold mortgage-backed securities that are insured by the federal government through agencies like Freddie Mac and Fannie Mae.
1:44.0	These securities are perceived to be safer because the risk of default is insulated by Freddie and Fannie balance sheets, which are further backstopped by the financials of the US government.
1:55.0	Agency Paper is usually given a double or triple A rating consistent with the US government's credit rating.
2:02.0	2. Non-Agency Mortgage Reads
2:07.0	Non-Agency Reads hold mortgage-backed securities that do not have insurance from the major mortgage agencies.
2:13.0	The mortgages packaged into non-Agency mortgage reads are usually higher risk and typically offer higher yields to investors as there's no safety in the event of a major mortgage default.
	...

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