DIVO
Amplify CWP Enhanced Dividend Income ETF
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I wonder if Crowdfunding Real Estate investment pays better than ETFs like SCHD, OMPL, QQQ and other
Monthly Dividend fund QYLD, JEPI, DIVO in Roth IRA
Don't Have the Courage to Lumpsum $500,000 into the Market. Do You?
Is this a good start to passive income. Set and forget?
Need advice or critique on the portfolio I'm about to start
BST/SCHD/Quadfecta -38y/o feedback/input on approach?
Performance of some well known high income ETFs. (12 month). DIVO SDY QYLD RYLD 💰
Dividend Income ETFs to replace High Yield Savings account
Revisiting Call-write ETFs, like DIVO, QYLD, over this volatile period, some are delivering in Total return space. Yield, is only part of the equation.
Mentions
LT NVDA holder here. I've been moving into dividend payers for a while now (VOO, SCHD, DIVO QQQI, pretty standard group). Diversifying into S&P seems really logical. LTCG is a bitch, put those taxes aside at the time of sale.
I’m going to start buying the VIX…I hedge with SCHD and DIVO. We’ve been swinging happy and partying…I’ve been selling off some gains the past few months but the fear will come back hopefully soon because I wanna make more moeny!!!
Lol 4mil in SCHD or DIVO nets 14k a month in dividends. Oh and in 5 years that 4mil will be 6mil
Lol. Put 2mil in DIVO or SCHD, you’ll make 70-90k a year on dividends. 7k a month. All while your investment grows 9% every year
No they are not. PBP has been around since 1985, nothing happened to it. Steady income the entire time. Many mutual funds and CEFs use covered calls too. If you look at them on average, they get about 60% the performance of a growth fund, but as immediate income. Buy the stable ones (e.g. SPYI, DIVO) and you can hold them forever. Then spend the rest of your portfolio on growth funds to capture some of the 40% lost performance long term.
>Say you're starting completely fresh and want to keep your investing simple, diversified, and long-term focused. You only get to pick three ETFs. Which do you choose, and how would you balance them? >I’m trying to find that sweet spot between growth, income, and risk management. For example, you could go: >VTI (total market), VXUS (international), and BND (bonds) for a broad mix This fits your needs then. >Or maybe a more aggressive trio like QQQ, SCHG, and JEPI How is this more aggressive? You may be mixing up realized recent returns with expected future returns. "Growth" as a style tends to under perform in the long run. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/ >Or something income-heavy like DIVO, VYM, and a REIT like VNQ Why focus on income? It comes at the expense of share price. >What’s your 3-fund recipe? Curious how others think about diversification when forced to stay lean. https://www.bogleheads.org/wiki/Three-fund_portfolio Each "fund" has a specific role and helps with diversification: they don't overlap, and since uncompensated risks (like single country), give exposure to compensated risks (emerging and possibly smaller caps), and let's you adjust the safety by assisting the amount of bonds/similar.
A mix of SGOV and < 1.0 beta but market exposed ETFs such as DIVO, FDL, and AUSF. Gives you market exposure but lower volatility and drawdowns than the market index. The portfolio weights only you can answer, how much market exposure can you stomach if we have a 30% market recession?
Look up DIVO, its the pure dividend capture strat
> Is you invest in dividend ETFs or a single stock, is that all you get is the dividend? Any capital gains after? Yes, you get capital gains (or losses!) too. This is why it can be dangerous to go “yield chasing” and buy an ETF with magnificent yield, but then the NAV of the stock itself erodes away to eventually nothing. Other ETFs out there strike a good harmony between a stable, dependable dividend, as well as growing the NAV with it. SCHD is a popular example. > What is a good distribution yield Depends on your goals. My personal rule of thumb is 3-4% is indicative of a stable, dependable income stream (SCHD, DIVO, etc). 1-2% is ok if the ETF is growing substantially in NAV (VTI, DGRO, SCHG, etc). Once you get above 4%, look carefully at whether the NAV is growing or eroding over time. Some ETFs (JEPI, JEPQ) have yielded higher than 4% and not eroded away their NAV. But then also consider whether the total return is greater or less than more stable ETFs like SCHD or DIVO. Another thibg to consider is whether the dividends from a particular ETF are qualified or not. Qualified dividends is a fancy way of saying the dividends are taxed at capital gains rate, not income tax rate.
Go look at IDVO. It is the international version of DIVO, and it has performed better than SCHY and VYMI at the same time it has a substantially higher dividend payout.
DIVO, QDVO, IDVO, SCHD, SPYI, VYMI, O. some combination will get you to the 7% you’re looking for.
Don't get sucked into the dividend yield trap. The few dividend stocks/ETFs that pay out consistently and monthly will historically fall short by a large margin compared to growth stocks/ETFs. It doesn't seem like you need the money today, so build it up and then move over to something like SCHD or DIVO once you can make it work mathematically. With $500k, you'll burn through the principal faster than you can replenish it if you start now. Then you'll really be looking for how to make it work and have less principal to work with.
Dividends are very helpful in bull market. When the share price is down you still willl get dividends. S&P500 funds have a long term average growth of about 10% So to get similar performance from dividneds you need a fund with a dividend as close as possible or higher than 10. SCHD has some good growth attributes but its dividned is very small, 3.5%. Some good options are: * KNG 9% yield, JEPI 7%, JEPQ10. These are covered call funds that use adding activities to convert share price swings (up and down) to income. So the long term growth is less than the index they follow but they have a high resonably stable dividned. There are covered call funds that produce higher yields 20% or more but they often have problems with NAV erosion and there are concerns about their long tern durability. I am not aware of any covered call fund that has failed. The covered call stratagy is about 40 years old and it is widely used. Only recently have covered call ETF become available.An old one DIVO has a field of 5%. All of these funds produce regular dividends which are taxed at the higher income rate. * SPYI 11% yield and QQQI 13% are some of the newest covered call funds but with a twist. They incoperagte tax loss harvesting to reduce teh tax you pay on the dividneds. Thee can be used in a taxable or retirement account. * BIZD 10% yield, PBDC 9%. These funds only invest in Business Development Corperatations These companes are required by law to return most of their invoke to sharholds as dividneds. So the dividneds are higher. Now these funds are currently required by law to to report teh funds expenses plus any expenses the BDCs they hold insure. However any expense incurred by the BDC is payed by the BDC not the ETF.IF you exclude this SEC requriement the expense for the fund drops form 13% too 0.75. These companes have a history of paying dividends in a bear market sucks h as the lost Decade of 2000 to 2010 when growth funds dividned have much growth.These funds all produce regular dividends. Just a note on taxes. Don't let teh fear of taxes dictate your investment choices. The tax on dividends is often less than people expect. Calculate the estimated tax impact before you invest. For my self I have determined that 100K of regular dividends in a taxable account with no work income would result in a tax of about 10K a year. leaving 90k of spending money. So 500K in a taxa le account with one or more of the above funds would make a great retiement i ncome fund or an emergency fund.
I bought DIVO and VYM today lol - no more buying weedstocks for me for now
Sold 20% of my VOO this morning, bought DIVO, VGLT and a little SLV.
diiviedned funds are great place to put money when you are worried about the market. You know about REITs and I completely with your opinion on then now. They were better in the past. REITs are required to return most of their profit to investors. So the Yield is typically higher than most other dividned funds. BDCs (Business Development cocmpanies) loan money to and sometimes invest in smaller companies. qqq They are also required to return most of their profit to investors. They frequently pay around 9%. BIZD and PBDC are two ETFs that invest in these companies. Now they are also required to list their expenses as well as the expenses the BDC insure. However in practice the BDCs pay those expenses not the ETFs. So these funds list total expenses of about 12 to 13%. The ETF only expense is less than 1%. BDC however do only produce unqualified dividends. These are a very good option. Also in the last 10 years Covered call ETFS have appeared. These use a trading activity called covered calls to gernate income. From 5 to about 13% there are a lot of good ETFs to choose from. Above that you start to get into the wild west of CC ETFs. Some generate 20 to 30% dividneds. but there can be considerable variability in the payout and NAV erosion is often visible in the share price. My favorite right now are DIVO 5%, JEPI 7%, KNG 9%, JEPQ 10% and SPYI 11% and QQQI 13%. I currently only own JEPQ and SPYI. These generally produce mainly unqualified dividends with some qualified dividends some like SPYI and QQQI also take advantage of tax loss harvesting (when possible) to help lower your tax.
I have a half billion and I'm still here /s Seriously, though, there's no way to do what op wants. Some funds like DIVO will at least pay out some cash but at income tax rates and there's still downside if the market tanks. The market seems to acknowledge no downside risk at all so it's hard to see a huge down turn without a black swan event.
We know that, we redeploy the $300 into more growth stocks and dividend related stocks like DIVO , JEPI , etc
For fire you want income. CD and municipal bonds have the lowest yileld so you would need a very large amount of money to invest to cover your living expenses. Bonds are not much better and don't keep up with inflation. You need a yield of 6% to safely stay ahead of inflation. The only way to get the yield you need is to invest in dividend stocks. There are also a lot of companies with yields around the 5 to 6% range. AT&T and Verizon are two good ones SCHY is an international dividend stocks with a yield of close to 5% There are also ETF that invest in preferred stocks like PFF, and PFFD each with a yield of 6%. And then there are covered call funds. A covered call is a trading stratagy that has been in use for about 40 years successfully. But only recently have covered call ETF become available. KNG produces a dividned of 9%, KEPII 7%, and JEPQ 10%, DIVO4.7% Some offer dividends of 20%. You can creat o mix of funds to target any yield you want. And you could add some corporate bonds bond or lower yield but long term very stable businesses Dividneds are generally less risky than index funds like S&P500 which can gain or loos 20 to 30% in a single year. During a major market correction or recession the average dividned payment only looses about 2%. During the pandemic I saw my portfolio loos e 50% of it value but the dividneds kept coming in. After the pandemic the share price recovered and the dividend payment continued. For a fire account I think it is best to have passive income equal to grater than your living expenses and reinvest anything you don't spend. Never sell you dividend stocks. You should also have some index funds for growth .You can periodically harvest the growth to increase your dividned income to compensate for inflation. Or if you get a big unexpected bill you can sell your growth funds to cover the expense. I currently have 4000 a month of dividned income with a large amount still in index funds for growth. .
I’m splitting evenly between NVDA,SCHG,SCHD,DIVO, and SHV Nvda and Schg for growth Divo and Schd for dividends+ a little growth And Shv for bonds+dividends If anything I’ll just weigh more towards the two growth stocks if I want more growth. Most etfs have the same holdings anyways. Anyone have thoughts on this? I’m new but I’ve been studying for a bit. Just started investing like a month ago
Welp I still believe in my thesis that cannabis is safe effective medicine , will be more mainstream eventually and achieved my goal of getting a lot of shares in the big LPs and MSOs ETFs. (Prior to major reform happening) Much to my regret lol - it’s cost me dearly- I lost 100% on med men, CannTrust , entourage, NUGS, New Age Beverages, and many others. I would probably be a millionaire if I put those dollars on less idiotic plays like Nvidia, Magnificent 7 or even SPY. Opportunity cost is brutal so I try not to think about it… I’m still holding unrealized losses back up to ~100k$ since we’ve cratered again after some hope from HHS earlier this year. I’ll probably trim some shares next year to rebalance as I went way too hard on putting my chips in the sector. I hope I can still hold shares in the long term winners, and I knew it was high risk play, that some companies wouldn’t survive. I had no idea it would be this long and drawn out and just getting beat down over and over again has taught me some lessons. 1- I’ll never buy OTC stocks again - 2- no margins- buy as I go and one really bad margin call was enough of a lesson for me 3- for every dollar in high risk sector- put 2 dollars on safe smart shit like DIVO JEPI SPY SCHD VYM that will pay me forever for holding.
$25,000 in CRYPTO (i.e. USDC stablecoin earning 4+%) $25,000 in Yieldmax ETFs (sky's the limit on which underlying you choose and their yields...safer YM funds would be YMax, YMag, FIVY) $25,000 in safer covered call funds with moderate growth (i.e. QDVO, JEPQ, DIVO, etc) $25,000 in alternative assets (i.e. Sportscards, Pokemon, a deposit for a Porsche collectible vehicle)...check out [RALLYRD.COM](http://RALLYRD.COM)
Accenture, Altria, Eli Lilly has me up 70%, DIVO.
I have a huge position in DIVO. I recommend getting into energy. Energy Transfer is a good one that has made me money too. That is a limited partnership, shocot has its own tax documents. I have a current plan to turn $15k of Altria(MO), into $500k in 30 years compounding with reinvestments. I bought in July and am already up 20%.
That looks really good as well. Without intruding, may I ask how many years away your target for retirement is? The only reason I ask is to get an idea of your bond percentage compared to mine. I actually dropped my % down. I'm about 10-15 years out, myself. SCHD: 30% DGRO: 20% JEPI: 15% JEPQ: 10% DIVO: 10% VNQ: 10% SCHY: 5% Roth IRA: FSKAX: 70% FSPSX: 25% FXNAX: 5%
Wrong. For the 2022 decline, VTI had a 25% drawdown while a 50/50 portfolio of DIVO/JEPI only had 13%. [https://testfol.io/?s=chrvXZjm1N7](https://testfol.io/?s=chrvXZjm1N7) Only for a huge and sudden crash like the covid crash will covered calls not help as much, but nothing is safe for crashes like that. That's why you keep dry powder available. Good covered call funds outperform during flat, bear, and slow bull markets, they underperform during raging bull markets like the one we've had the last 15 years.
coverd call funds (DIVO, JEPI) will outperform in a market decline or flat market envionrment
Hindsight is always 20/20 but lord almighty I wish I put the thousands I lost on MedMen, entourage , CannTrust, NBEV , on DIVO JEPQ SPY and NVIDIA….
Late 30s. This is the core of my portfolio, I also trade options (70% of those gains goes into my Dividend Portfolio and 30% back into plays. Aiming for "I have the finances to retire when I want" in 10 years. | **Portfolio** | **ETF/Fund** | **Percentage** | |---------------------|---------------|----------------| | **Dividend Portfolio** | SCHD | 30% | | | DGRO | 25% | | | JEPI | 15% | | | JEPQ | 10% | | | DIVO | 10% | | | SCHY | 10% | | | VNQ | 10% | | **Roth IRA** | FSKAX | 60% | | | FSPSX | 25% | | | FXNAX | 15% |
Look into ETFs instead of individual stocks. I allow myself a few individual stock plays, but the majority is in an ETF basket portfolio at certain percentages with ETFs which have low expense ratios and well diversified. This happens to be my core portfolio This portfolio is designed with a mix of U.S. dividend stocks, international exposure, and real estate. Each ETF brings unique benefits, combining to offer both growth potential and dividend income. 1. SCHD (Schwab U.S. Dividend Equity ETF) – 30% What it is: SCHD focuses on high-quality U.S. companies with a track record of strong dividends. Why it's included: SCHD is known for its stability and growth potential, thanks to a selection process that favors financially strong companies. This makes it a solid foundation for dividend income while offering growth. 2. DGRO (iShares Core Dividend Growth ETF) – 25% What it is: DGRO invests in U.S. companies with a history of consistently increasing dividends. Why it's included: This ETF focuses on dividend growth, which can help outpace inflation over time. DGRO balances current income with long-term growth potential, making it ideal for compounding. 3. JEPI (JPMorgan Equity Premium Income ETF) – 15% What it is: JEPI uses a covered call strategy on large-cap stocks to generate additional income. Why it's included: JEPI’s strategy offers a higher yield than traditional dividend ETFs, providing a reliable income stream while maintaining a balanced risk profile. It’s excellent for consistent monthly payouts. 4. JEPQ (JPMorgan Nasdaq Equity Premium Income ETF) – 10% What it is: JEPQ applies a covered call approach to NASDAQ stocks, which include tech-focused, growth-oriented companies. Why it's included: This ETF balances high-income potential with exposure to growth sectors. JEPQ’s tech exposure complements the rest of the portfolio, adding a growth element with dividends. 5. DIVO (Amplify CWP Enhanced Dividend Income ETF) – 10% What it is: DIVO focuses on high-quality large-cap U.S. stocks, with an active strategy to select companies with sustainable dividend yields. Why it's included: DIVO enhances income through dividends from blue-chip companies, offering stability. This fund is ideal for regular income, as it emphasizes quality and reliability. 6. SCHY (Schwab International Dividend Equity ETF) – 10% What it is: SCHY provides exposure to international dividend-paying stocks, focusing on developed markets outside the U.S. Why it’s included: SCHY diversifies the portfolio globally, reducing dependence on the U.S. economy. International dividend stocks can add resilience to market fluctuations, making this ETF great for long-term stability. 7. VNQ (Vanguard Real Estate ETF) – 10% What it is: VNQ invests in U.S. real estate investment trusts (REITs), which own and operate real estate properties. Why it’s included: REITs offer a different type of income-generating asset, as they are required to pay out most of their income as dividends. VNQ adds sector diversification and provides reliable income through real estate exposure. --- Portfolio Benefits This mix of ETFs balances growth and income, allowing for long-term appreciation through reinvested dividends. The inclusion of U.S., international, and real estate-focused ETFs provides diversification, lowering the risk associated with single-market exposure. This approach is structured to provide steady dividend payouts while enabling capital growth over time.
I like the fund, as well as SCHD. You got a lot of great advice and know the down side of the funds - growth potential. I have JEPQ, but balanced for where I am in my career (I'd really like to retire in 15 years). As I get closer to that time, I'll rebalance from growth to returns. Here's my current dividend portfolio just to help your research. SCHD: 30% DGRO: 25% JEPI: 15% JEPQ: 10% DIVO: 10% SCHY: 5% VNQ: 5%
im 41 collecting dividends monthly, simplify your dividend allocations, suggesting: SPYI, JEPQ, UTG, DIVO, O, and a very small amount 25k of AMZY your selection is way too heavy in REITS and that didnt go well for the last 2 years. SCHD is too slow for what you are wanting to achieve.... go heavy into SPYI and JEPQ consolidate your Reits into O
Head to a dividend sub reddit, my portfolio is about 75% dividends stock average around 6% yield its what a live on. The remainder I value hunt, swing trade/rotate each year. Really not to hard you want a mix of dividends with growth potential, adding higher dividend plays with lower growth potential until you reach desired yearly living expense. SCHD as a base, with a little diversity like DIVO XLU stuff like that etfs. Add in higher dividend lower growth like MO, AMLP/MLPA.
Average in over the next 3 months figure on being all in mid October. Mix of VOO, SCHD, DIVO would give decent diversity if looking 5 years forward. Personally I would average in very slow saving 50% for a buy in around October, just historical data point its a low month during election years.
Thanks. And that not what I had in mind, lol. I thought option 4, especially if you removed Tesla and DIVO was a reasonable option? Also, 8% is as good as it gets? Can you clarify for me please: “…Under that framework the market portfolio is still optimal for the average investor, but investors with particularly high tolerance for these new kinds of risk rationally should tilt towards them. Though those factors are generally the opposite of basically all of the options you listed, since all of your options are heavy tilts towards large caps and growth stocks, rather than small caps and value stocks.“ Thank you for taking the time to analyze this with me, btw
I am a little older…below is what I utilize. 25% in bonds and cash equivalents. This covers several years of expenses. 50% in dividend producing ETFs (includes SCHD, VYM, VIG, JEPI, DIVO). This produces enough income to cover expenses for a year. I’ll take the $$$ from this account and either re-invest it in more dividends or transfer to either 25% bucket 25% in a total market ETF. This is long term growth. I don’t need or want bitcoin. I just don’t see the need to extend my risk
> Probably underperforms SPY long term but this is my play money. Maybe, but the buy-write strategy does tend to [smooth out](https://www.gsam.com/content/gsam/us/en/advisors/resources/investment-ideas/buy-write.html) investment returns, and that can be important depending on your needs and risk tolerance. For example if you chart it against SPYD, DIVO didn’t drop [nearly as hard](https://portfolioslab.com/tools/stock-comparison/DIVO/SPYD) in 2020 or 2022. When the good times returned, SPYD started to catch up. > I'm terrible at stock picking You’re in good company, most of us are. > and I like seeing the dividend money every month. There are some professionals out there like Ben Felix who say that’s a valid reason to pursue a dividend strategy. Even if dividend aristocrats don't outperform (and on average they do pretty well), an investor who finds dividend income motivating is more likely to stick to their plan.
I'm in an ETF called DIVO that pays above 4% with monthly dividends. Probably underperforms SPY long term but this is my play money. I'm terrible at stock picking and I like seeing the dividend money every month.
Well, this isn’t financial advice but what I do is all VTI in my Roth IRA and then SCHD, DGRO, and DIVO in my regular brokerage account.
Hey hey CannTrust settlement check came through and it CLEARED the deposit lol Put it half on Tilray and MSOS calls and DIVO 🤣🍞
I’m with you man- and following a similar strategy although a larger percentage of stonks still in weedstonks I’ve been adding to mega cap tech, cloud and dividend stonks to rebalance and currently about 70% cannabis 30% cloud tech cyber I’m adding to NVDIA Apple Microsoft Polaris - Verizon , JEPI , DIVO, SCHD and MU for dividends , A lot of my (eventual ) gains from selling weed stocks will go directly to dividend stonks. - good luck and I’m still here abiding my time….
Without knowing her age or timeline, I would suggest 70-30 or 60-40 split of T Bill ladder and mix of ETFs SCHD,DIVO,JEPI,JEPQ,VOO/VIG
We have Hulu because my wife likes it and the last time I tried to use it I made it half way through a single episode. I wanted to check out the new Justified series and there were 3 commerical breaks before the episode was half over. The CC was also like 8 seconds ahead of the dialog. As someone with a wife and kids, I like to use CC in the living room so I don't have to be like my parents and tell everyone to STFU while I'm watching TV. I'm certainly not saying cable is better but when cable with old school DIVO or whatever or just pirating is a significantly better viewing experience, someone isn't doing something right.
46yo in US currently employed with hopefully another 14yrs to retirement. I have a high risk tolerance as I'm still fairly 'young'. Taxable account - VTI\\QQQM 50\\50 Traditional IRA (401K rollver) - NUSI, JEPI, QYLD, DIVO - 25% each Roth 401K (Fidelity) - Maxing this out every year. Currently in Target Date fund. Looking for advice on best growth strategy for IRA. Just discovered BrokerageLink so I want to change my Roth 401K to something better as well. Hit me with what you would do...
I Sold a few shares of my top performing cloud holdings ( Salesforce, Palo Alto networks) to buy Cresco, Trulieve, Ascend and dividend stonks O DIVO JEPI. Good luck to all longs and change is coming lickety split!!
For my stage in life , dump in my income portfolio SVOL , BST, JEPQ, CLM, JEPI , DIVO and live nicely in Querétaro Mex ……
You could dump it all in VYM. You didn't even know about VOO until it became the hottest reddit stock. By the same logic. You could dump it all in SPY. You could dump it all in SCHD or DIVO for the dividends.
Cheers thanks! I’ll likely spend it on DIVO SCHD Trulieve and GTI lol (I’m regarded)
Weedstockholm syndrome is real…. I’m cautiously optimistic Anne will come thru. Also can’t wait to blow my CannTrust class action settlement on GTI Cresco truelieve and DIVO…..
Hard to answer the question without knowing how much your dad has but if you’re looking for something very stable I would suggest schwabs high dividend stock ETFs which tend to self select for companies that are considered low growth but high value. Something like SCHD. I think DIVO is interesting too. You also may want to look into target date funds that do the work for you in terms of having a mix of stocks and bonds for people of specific ages and life expectancies. This is an unpopular opinion but a lot of people may recommend long term bonds, but I think there’s a real risk there that if Inflation kicks you, you could be screwed, and they are not as low risk as people pretend they are. I would not buy any bonds thst have a maturity of more than 5 years
Having been burned pretty bad by over extending and going mostly in on weedstocks, I’ve decided to start investing in more dividend ETFs and mega cap tech, cloud , chips. Targeting getting more passive income and reinvest dividends for a few years. Also lurking in /dividends and /coastFIRE boards…. 🤣 My dividend cannabis ETFs positions are THCX, MJ, YOLO. Outside of that I’ve been adding to Micron (MU), Apple, Microsoft, O, SCHD, DIVO , NVIDIA, JEPI for quarterly / monthly reinvesting. Watching CAT and Polaris to add later this year. Currently getting ~$51 a month in dividend reinvesting after eliminating some heavy margins last year that cut into passive income. Goal is to sell 80% of weedstonks upon mooning and get passive income up to 100, 500, 1k, 5k + per month with reinvesting and snowball effect + expeditious gains from all the weedstonks.
I got mine too! Putting all my ill gotten dollars CannTrust on DIVO haha
Investing in ETFs will make it easy, so keep doing that. BUT you need to learn. About stocks. Which are just ownership shares in a company. So you need to learn about companies and how they are bought and sold. So business. "One Up on Wall Street" by Peter Lynch comes to mind. Stocks or ETFs are not a great thing to be in if you think you are going to need that money soon. The share price of great companies will crash and burn occasionally, and you have to be able to wait those things out or take a loss. High yield account or short term treasuries won't make you much, but your money will be safe or mostly safe for when you need it. If you are putting the money into an IRA, good for you. If you want to make cash now, check out JEPI and JEPQ. They pay cash every month (taxable), 7 to 15% per year (so if you own $10,000 worth, these would pay you between $700 and $1,500 annually). Be careful of others, as not all of them are well run. SCHD is another which pays quarterly pure dividends at 3.5%. DIVO is a good one that pays 4.5%. The point of owning a stock is the same as owning any business - how does this business pay me back for my investment? The direct ones are great since they pay you cash. The indirect ones require a little more faith.
I hope you read this. There are a lot of replies. Investing psychology is key here. You said you are worried about losing money. Why do you have a job? To make money. Why do you invest? To make money. How does owning a business pay you back? 1. Dividends that the business pays you directly. 2. Share buybacks that lower the number of shares and increase the relative value of a share of stock. 3. By growing the business, where the business is not yet mature and paying out directly. With an ETF, you can own a small part of a bunch of businesses. Another way you can make money from owning a business is by using a covered call strategy, and you have to be careful here because they vary in quality. The ones that appear to work well are Jepq, Jepi, Svol, Divo, and a few others. If you own VOO, well, you could do a lot worse. If you want to trivially beat VOO, you can set up a mix of a value and a growth ETF and balance once a year. SCHD and QQQM is the last one I saw. Beat VOO pretty handily. QQQM is a bit under-diversified for me, and SCHD and SCHG also beats VOO, but not by as much. SCHD pays a 3.5% dividend. That is paying you back. DIVO is at 4.5% ish. SCHG and QQQM pay you back with growth, which also means lots of volatility. In a down market, these tend to go down a lot more than a value/dividend strategy ETF. And you can do quite well with a mix of something like SCHD, SCHY (domestic and foreign dividend), and mix in some JEPI as it is very low volatility and high payout if the account is tax protected. Also SVOL - higher payout - because it does not move like the others, since it isn't based on underlying stocks. If you find that you aren't as risk averse as you thought, you are young. It is best to have a large portion of your portfolio in growth over a long time. This is more volatile, but if you don't touch it, it will grow faster over time than the safer stuff. One other thing - dollar cost average in. Dollar cost average out. Lots of small purchases and sells. This keeps you from having big wins or big losses when moving money. Buying on dips is great if you have the stomach for it. Mostly, you want to buy consistently over time, rebalance occasionally (yearly or less, not more), and otherwise leave it alone. If you want to get into individual stocks, do the ETF thing first. Get comfortable, and then SLOWLY buy in a share or two at a time to a SMALL portion of your total portfolio. Do this until you know what you are doing REALLY well, because you WILL make mistakes, and if you make them with big dollar amounts, it is life changing bad. prove to yourself you can do better than the ETFs before you really commit to stocks over ETFs. Good luck!
You have to hedge inflation and for what the Fed/government will do in response. If it's inflation, low growth, and stimulus/easing, you'll want multifamily real estate and possibly farmland, gold, and/or some other nontraditional tangible thing; possibly also short or intermediate term Treasuries, and possibly strong balance sheet moat equities with some cc for downside protection. If it's inflation with hawkishness and higher taxes to control the deficit, probably best would be Tbills and adjustable rate products not at risk of default (some preferreds, for instance). So an example blend might be: SGOV, VGIT; FLOT, ABR-F, LANDO VOO, VIG, SCHG, DIVO, JEPI
Started at 19, first hit 100K at 25. Now again at 27 (hopefully for good this time) Now I hold QGRW, DIVO, IXN, XYLG, and SHV
There is no ETF that specifically follows a horizontal put strategy for the S&P 500. However, there are a few ETFs that use covered call strategies, which can generate similar results. Covered call ETFs sell call options on the stocks that they hold. This gives the buyer of the option the right, but not the obligation, to buy the stock at a certain price on or before a certain date. Here are a few covered call ETFs that track the S&P 500: [JEPI](https://usaheadlinewebstories.com/jepi-dividend/) (JPMorgan Equity Premium Income ETF) XYLD - Global X S&P 500 Covered Call ETF DIVO - Invesco S&P 500 Dividend ETF
Dump all 25k into TSLY then use dividends to buy DIVO 40%, SCHD 40%, VOO 20% and let drip on these 3 ETFs…for ten yrs then phase in JEPQ/SVOL to get income % desired…
DIVO/JEPI/JEPQ for income and capital preservation
I’d be doing dividend stuff like DIVO, SCHD, DGRO, (10-15% each) and throw in VONG (25%)for growth all as a solid foundation and then add in JEPI, JEPQ (15-20%), and a tiny bit of TSLY, APLY, and NVDY (say 5-10%) to juice the income.
I put almost the exact same amount into DIVO, 3 years ago, a covered call ETF. I’ve been very happy. I now have $68k ($60k now total retention money that I may have to pay back), and I’ve been spending all the dividends. 2 more years of $20k I will be putting into more DIVO!
For the average person, the strategies are fairly demanding having an advisor for investing is genius! A blend of different ETFs is my favorite way of investing. you could have some covered call etfs for dividends and other etf\`s for growth. A combination such as : JEPI , DIVO , QYLD, SCHD and JEPQ. You have to combine them according to your own personal situation. I tallied my dividends for the previous year; $102k
A blend of different ETFs is my favorite way of inveesting. For example, you could have some covered call etfs for dividends and other etf\`s for growth. A combination such as : JEPI , DIVO , QYLD, SCHD and JEPQ. You have to combine them according to your own personal situation. I tallied my dividends for the previous year; $102k. Blessed, grateful, disciplined and focused.
For the average person, the strategies are fairly demanding, A blend of different ETFs is my favorite way of investing. you could have some covered call etfs for dividends and other etf\`s for growth. A combination such as : JEPI , DIVO , QYLD, SCHD and JEPQ. You have to combine them according to your own personal situation. I tallied my dividends for the previous year; $102k
If you are worried about lawsuits such as car accidents, get a large umbrella insurance. As for your 500k, what kind of yield are you looking for? You can put it in funds such as SCHD, JEPI, JEPQ, DIVO to generate a good amount of passive income. If your tax bracket is really high, putting money in SCHD will generate qualified dividend and you will be getting tax at long term capital gain rate.
this is called the 'coffee can' strat, look it up. it can make any idiot look like a genius. OP time to sell the losers and focus on some real stocks/ETF's that will make money for you. DIS is trash time to dump it. A combo of JEPI, JEPQ, DIVO, SCHD, QQQM and SPY would net you a nice paycheck monthly
I just use my main account. As of Friday, $1.9 million in 4 ETF's. JEPI, JEPQ, SCHD & DIVO. lol
Get a lawyer quick, tell no one. Invest in some good monthly dividend payers, balance out with some general market funds and move to an isolated place on a nice island and live it up. My shopping list: JEPI, JEPQ, AMZN, ARCC, CVX, QQQ, ITOT, DIVO, TFC, MSFT
>Fixed income in a portfolio will provide income and reduce your overall portfolio decline during extended downturns. I was young and knew enough to keep contributing the max to my 401K. Now that I am retired, I have JEPI/JEPQ for income and SCHD/DIVO for income and some growth. Currently, reinvesting all dividends since stocks have been discounted over the last year.
Maybe consider some high yielding dividend stocks in your portfolio. Like Devon Energy, DIVO etf, etc. This gives you the benefit of the stock (or etf) gaining in share price and providing some income.
I'll assume this is a taxable account, so I can try to answer your question. Let's also assume your income will be much lower during retirement. Both of these funds have similar returns, although you need to be careful there, because often 'market total return' usually has a baked in assumption of dividend re-investment, which you may not be doing. A very important consideration with income generating funds. Anyhow, both funds have similar metrics, sharpe ratio, r2, etc... So it really comes down to, do you want more yield or more growth? Since yield is taxable, I'd probably go with DGRO, then switch over to DIVO once you retire. Hope this helps you make an informed decision.
I have 4 main holdings paying over $12K/month. JEPI, SCHD, JEPQ and DIVO. DIVO has been a reliable source of dividends.
DIVO, DGRO, DGRW, SCHD, VIG are all quality ETFs that have different rules and different profit curves. I recommend mixing the ones you like. I have DGRW, DIVO, and SCHD (in that order).
Why screw with DIVO and its leveraging vs SCHD?
DIVO may be fine for some, but things that would give me pause include: - relatively high expense ratio (.55%) - very concentrated portfolio (30 holdings) - low dividend growth (3yr = 3.21%, 5yr = 5.31)
you sound older and in need of some income, go w/ JEPI, JEPQ and DIVO for dividend income w/ possibility of some growth, these 3 wont decay. split 500k evenly among the 3 thank me later.
Neither smh, find a good ETF with good dividends. DIVO is pretty good. Do your research first.
Not sure why this got downvotes. Is DIVO bad? I picked it based off suggestions from the Dividends subreddit.
Right now I'm buying DIVO in my Roth and have 227 with Drip turned on. My plan was to fully fund 2022 and 2023 with one stock. I will probably buy a mix of SCHG and ICLN next in 2024, I have like 6 shares combined of each right now. Not sure what to buy in 2025 but I have time to figure that out.
Exactly. Little SCHD, VIG, DIVO, DIA wont ever hurt.
Yes good idea. DIVO ETF is great too. 5% dividend.
Yes. JEPI, BST, DIVO, etc do some variation of the same thing. Others like QYLD, XYLD, RYLD are strictly generating as much cash as possible with options and don't grow. They've got down while markets have gone up and are to be avoided IMO unless you are desperate.
What the fuck? At least buy DIVO or someshit and get 0.5% monthly dividends
I think she is happy so far. She saw my investments were doing well and hers continued to decrease. We haven't started to tap our dividends yet. Currently, reinvesting all divis into SCHD and DIVO.
Look at DIVO, it’s an S&P 500 ETF that selectively sells covered calls, giving some significant downside protection.
>What did you find terrible about SIP? Their fund picks. Whoever originally at Schwab setup my wife's account, selected her for aggressive growth. She was around 65 at the time. It was down around 30% by the time she showed it to me, in the middle of 2022. I had her call them and tell them to set it up as a income portfolio, which they did. Again, the account started tanking almost immediately. After about 3 or 4 months, I told her that I would take over and I've managed to turn it around. Only 2 of the approximately 15 funds the robo advisor selected was in the green. SCHD and HDEF. I sold off everything else and eventually sold HDEF with only SCHD remaining. Currently, holding JEPI, JEPQ, SCHD and DIVO a little over $850K. Account is up 2.7% since November 28th 2022 with an estimated $5,200 in monthly income. The Schwab robo advisor was estimating around $2,700 in monthly income, iirc.
For covered calls, I completely understand you'd not want to risk being assigned and you'd stick to far OTM calls but I think you can safely get about 0.5-1.0% per CC per month at .20 or lower delta at common supply / demand levels. That's between 6 to 12% annually. However, if you're going to use collateral to sell puts and only achieve 3% annually, I'd recommend an alternative. Since you're seeking income, you're probably better off selling near ATM puts on something like JEPI, get assigned, and enjoy better performance than its peers such as SCHD and DIVO (at this time during our volatile market swings) while collecting monthly dividends at roughly 10% annually. You can even sell covered calls on top of it and achieve about 3-4% extra on top. And because it's in your Roth account, all dividends are tax-free. Congratulations on your FIRE journey!
Your best bet currently is to hold cash and wait for the dust of the current economic drama to clear. Watch for the market to crash and burn within this year and then start to slowly buy up the best companies that will be around long after the SHTF, AAPL, AMZN, MSFT, COSTCO. then start adding global market ETF's and funds, SCHD, VTI, JEPI, JEPQ, DIVO. you are young, a great opportunity is coming your way if you can just be patient and wait a few more months, dont blow your whole wad at once, DCA into whatever you get in. ​ most will not agree w/ me on this one, but you should probably go buy physical gold/silver, not more than 10% of your current savings, hold those coins till you are 60
You don't need so many. One or two core/growth and one or two value/dividend are probably fine. *Maybe* one thematic/sector for fun if you really want but you're probably fine without any. Why VYM over SCHD? Why DIVO over JEPI/JEPQ?
Look at JEPI and DIVO. I had to buy the structured note through a financial advisor. Here’s the link: https://www.streetinsider.com/dr/news.php?id=20558615
Check out r/dividends, but the basic run down for a relatively low volatility and decent income producing portfolio could look something like this: SCHD - 40% DGRO - 30% JEPI - 10% DIVO - 10% SCHY - 10% This will only produce about 4% dividend income but will also provide capital appreciation that only slightly trails the broader market return while also generally having much lower volatility and downside. (down about 5% vs 20% for the s&p 500 last year)
I like SDIV, I think I’ll replace DIVO for it, bcuz I already hold DGRO
Two critiques: First - JEPI and QYLD are very similar strategies, as are SCHD and DIVO. Holding two similar strategies isn’t benefiting you. Second - You’re young and these are income & value based ETF’s. While there’s nothing wrong with either you need some growth exposure. Like, most of your equity exposure should be allocated towards growth. As others have said, at your age, and at these contribution amounts, you’re better off allocating to ONE total market fund or ETF. Pay attention to expense ratios as neither fund nor ETF route should be over 0.10%. The fund may make it easier for you since you can make purchases based on $ amount rather than # of shares (i.e. you can purchase $100 per month no matter what the price is)
go with VTI, JEPI, DIVO 50,30,20