JEPI

InspectorDabbit_

JEPI wants to thank all the wsb bulls for their contributions in what has been an absolutely stellar year for the fund

InspectorDabbit_

Buy more NVDA calls, boys, it could moon at any second - JEPI fund manager

InspectorDabbit_

JEPI wants you to buy another lotto "It could moon, bro, take the risk, fortune favors the bold"

InspectorDabbit_

JPMorgan loves NVDA, JEPI loves selling NVDA calls

Nim0y

I could live off that return. I’ve read about degens in r/dividends living off Spyi, JEPI, and the other covered call ETFs. Combo of that and bonds when they are this high. A man could dream

CD274

JEPI is such crap

Bio_Menace

Consider JEPI? 

EngineerDirector

$10M on $JEPI is \~$1M/yr bro

junbun2

oh i forgot, I owned a bit of JEPI ... It's tied to S&P500 but they sell options for income i think. last year i think the div were 8.5% . how do you think this compares to REIT? I saw O div was 5.5% which is good. seems like both of them have -alpha compared to s&p 500 last few years.

taxotere

This doesn’t apply to all countries. Some countries have zero capital gains taxes (eg Switzerland, Singapore come to mind), some have zero distribution taxes too (eg Greece where I’m from, from UCITS ETFs). Switzerland also only taxes dividends but not options premium, so only the dividends part of JEPI’s distributions are taxed, but option premium doesn’t. Also losses can’t be deducted in many countries (usually if losses are deductible then capital gains are also taxable). All in all I am simply challenging that CC ETFs are the devil. I don’t hold any, but long for the day I will ;) Peace

Spiritual_Bat7343

the JEPI/JEPQ critique people are giving you is half right and half lazy gatekeeping. half right because those funds don't really sell calls on the underlying basket, they use equity linked notes and the option overlay is closer to selling SPX index calls. that's why income is smoother but upside capture is less than rolling your own CCs on individual names. for limited capital, one to two CCs per month on a single high IV ticker you already hold can match JEPI/JEPQ yield with better tax treatment (LTCG on shares, STCG on premium vs ordinary income, plus you save the 35bps expense ratio). minimum around 2 to 3k per position. timing matters: track iv rank on names you'd be happy holding, the pattern that works is writing when iv rank above 50 and skipping below. been pulling iv rank on thetaedge alongside the underlying chart on tradingview. more work than buying JEPI but a real lever if you feel stuck.

Shadowrunner138

I was honestly thinking of going 50/50 with JEPI & JEPQ so I'm basically just following the S&P with a bit of overlap in the tech sector that seems advantageous for the next few years. If yields hold I'd average about 9% between the two of them and after about $20k cost basis I'd finally start generating over $100/mo and beyond in passive income to redistribute. At this point I really just need something more serious than corporate bonds and junk bonds in terms of percentages and I'm willing to upscale a little in terms of risks as long as a "hold or die" mentality can get me through a market correction that lasts a few years, I have bond funds growing for that.

apurimac777

in addition to what the other retards are saying \- bond prices are the inverse of their yield. Higher yields mean the price of the bonds goes down \- basically everyone owns treasuries, so them getting cheaper means more bag holding for everyone \- treasury rates underpin all the other interest rates you pay for, so if the government pays more for money, you pay more for money \- higher yields on safer assets like treasuries cause people to dump riskier assets like stocks and real estate - why sweat risking your ass a bit for an 8% return on JEPI when you can get 5% practically risk free from uncle sam. As long as your ahead of inflation your still making money with your money \- wrinkle brain forex shit my tiny ape brain no understand at all, me thinky higher rates make dollar more expensive but that bad for export bros

Ok-Blood4340

Specifically when it comes to covered call, return of capital, ETFs like JEPI, JEPQ, QQQI, SPYI, etc, you are not receiving a “dividend” from free cash flow, you are receiving the profits from selling the calls as a distribution or return or capital. This is a performance risk, or execution risk. Meaning, the active investors have to perform, execute correctly, and make the correct calls about market direction. If they mess up, and do not receive the expected income from the covered calls, the distribution will be cut. Only some 1-3% of the return of capital is actual dividend from free cash flow from the underlying companies. So this means, you are borrowing money, hoping the active investors don’t screw up, so you can have your capital returned to you. If they make a mistake, distribution is cut, margin doesn’t get paid back. Furthermore, when it comes to covered call ETFs, they are exposed to 100% of the downside, but cap the upside at some percentage out of the money. This means that in bull markets, the share price of the ETF does not go up as much as the underlying index (because they are selling covered calls to pay that return of capital distribution.) TLDR: Covered call ETFs are not free money hacks. If they were, everyone would do it. They are exposed to certain risks.

CraftyMeet4571

Congrats to you. I went full tilt at the right time. I sold off 1/4 of my position and bought about 1M in JEPI and JEPQ to lock in some gains. Gonna ride or die on my original gamble.

CraftyMeet4571

I turned 163k into 4M off a penny stock. I did sell a quarter of my position and bought JEPI and JEPQ. I'm still at the casino but I don't play with options.

HungerSTGF

Or put a mil into a market indexed covered call etf like JEPI/JEPQ designed for retirement income and have a solid monthly income from the dividends

InvestingNerd2020

If you sell, the tax hit is massive. 38% to 50% in California depending on long-term capital gains Federal taxes. Every other state, the tax only gets lower. However, you still walk away with over $2 million from selling the stocks alone in the worst-case scenario. Reinvest $1 million in VTI and $1 million into JEPI for covered call income at 8.41% paid out monthly. JEPI struggles to keep up with inflation, but it will pay the vacation bills comfortably.

Wickrest

I'm 26 I buy a mix of SPY, SPYI,SCHD,VXUS,VYMI and JEPI I just buy whatever's down, I never buy anything at its ATH. I've been buying JEPI only the past few weeks cause it's the only holding I have not near its ATH. I could buy spy yeah l, but I don't buy anything at its highest price it's ever been. That's just a me thing, I'd rather see spy go to 750 and drop down to 720 and buy rather than buy rn at 720.

Pendulumswingsfreely

JEPI or jepq?

Reasonablyaccurate

Does anyone have advise on going dividend accumulation vs index growth fund. Like SCHD is doing +3% and JEPI at 8% vs broad exposure voo, or spy, etc. I understand what they all are and how they work but long term can anyone in their 40s or 50s say they should have gone one way or the other? I get mathematically tech heavy index funds would have been the grand slam choice here but something about the cashflow certainly that could replace my lifestyle income in 15-20 years and have FIRE at 45-50 years old vs 50-60 years old just feels like a better bet with the way things are going… *the David Ramseys keep telling me to pay off the house with the 5.25 rate first though. $375k left. $800ARV. No other debt. I’m 31 with $200k in HYS/jepi shares /private placements. Thoughts? Thanks 🙏🏻

KemShafu

I took all my profits on Monday and am holding in SGOV until June and then reallocating in tranches starting in June. I am not timing the market, to be clear although it sounds like this. I follow Marc Chaikin and he forecasts a 65% chance of a bear market, he said it was going to happen in April and his timing might be off, but I do think we are headed into a bear market. As soon as we hit -10%, I am reallocating to SCHD, VYM, JEPI and VGSH. I don't trust anything right now.

National-Log5203

Yes, premiums can drop. I think looking at JEPI today might be somewhat of a relevant example of how S&P 500 would work in a low volatility scenario, as it already screens out everything volatile in its stock selection.

InvestingNerd2020

Only use JEPI if you have $2+ million in your IRA. Use $1+ million for a Total USA fund, and $1 million for JEPI.

D_Pablo67

JEPI has more value oriented stocks. JEPQ is more NASDAQ 100 and a higher yield, over 10%. I like them both and own both. You buy these for income and some appreciation, and less volatility than the index.

lightjon

JEPI is like holding SPY, except when the index goes up you lose the gains. If the index goes down, you keep the losses. (Used to hold JEPI)

CornerOne238

Sorry I meant partial conversion to JEPI/JEPQ or dividend stocks.

charliekunkel

I'm avout years out and my Roth is now all JEPI/Q, and 1/2 of my 401k is SPYI. That way if there's another recession coming, I'll be fine. The other half of my 401k and my personal brokerage is target date funds, VTI/VTSAX/VTWAX, and a few individual companies. I worked too hard for my money to put it in anything riskier than that just for the sake of greed. Will i miss out on some gains? Probably. Will i also not get set back from retirement by 10 years if theres a crash? Yup. Totally worth it IMO.

GiGiAGoGroove

Ok all - I came across an in-depth JEPI post in “dividends” forum about JEPI - their prospectus and hype seems a bit misleading. Thanks for all your insights. :D

Muy_Division

Should I max out my credit cards and buy all the JEPI and JEPQ I can get?

BeautifulAuthor9167

The best way to understand JEPI isn't just reading the prospectus, but seeing how peers manage the distributions. Learning how others balance the 0.35% expense ratio against the monthly yield helps demystify if it’s actually beating a simple index.

GiGiAGoGroove

Thank you for your response. I hear people lose money in it but I can’t really understand how as it seems rather stable unless of course they go all in. I avoid tech and defense for moral reasons and so there isn’t much left to choose from to “grow” our balance. JEPI would be the only active ETF we have which is another reason to have it with some push under it. Also looking at IDVO but not sure if that is similar or safer I will have to do more research.

GiGiAGoGroove

I can’t find any growth that isn’t purely tech or AI-do you know of any? I’m morally opposed to most of the tech broligarchs destroying our democracy with their surveillance, data centers and AI which may take my partner’s job away. Same goes for military and defense which is why I like more general ETFs and JEPI’s return looks juicy…what else could I choose? Also looking at IDVO but the expense seems high.

Good_Ride_2508

This is the best Answer. JEPI is inferior than VOO/SPY both ER and the Long term ROI. Same way, JEPQ is inferior than QQQ/QQQM both ER and the Long term ROI. JEPI/JEPQ is JP Morgan's marketing ETFs for wealthy people. JEPI/JEPQ looks like winning on concept, but both are not giving any benefit compared to VOO and QQQ. Better to stay invested in VOO or SPY or QQQ index ETFs.

ajaykumar2023

JEPI is a solid contender for an IRA when you're 5 years out from retirement, but it's important to understand exactly what you're buying. Here’s a breakdown for your situation: Income vs. Growth: JEPI is designed for income and lower volatility, not capital appreciation. It uses a covered call strategy (via ELNs). In a massive bull market, it will underperform the S&P 500, but in a sideways or slightly bearish market, it shines because of the monthly dividends. The Expense Ratio: At 0.35%, the expense ratio is actually very reasonable for an actively managed income fund. It won't 'eat up' your returns as long as you value the monthly cash flow and lower beta. The DRIP Strategy: Since you have 5 years left, DRIP-ing those monthly payouts is a great way to compound. By the time you retire, you’ll have a larger share count generating the 'supplemental income' you mentioned. Market Outlook: You're right that it's better in choppy markets. It won't protect you from a total market crash (it will still go down), but the volatility will likely be much lower than a pure equity fund. One tip: Since it's in an IRA, you don't have to worry about the tax drag on those monthly distributions, which makes JEPI even more attractive there compared to a taxable account. Overall, at 7%-12% of your portfolio, it sounds like a well-measured allocation for a 'sleep-well-at-night' income stream.

BrilliantArm5914

JP Morgan Chase has two ETFs JEPI and JEPQ that use this method of providing income.

jt1994863

Both have a lower overall return than the indexes they sell the covered calls on (SP500 for JEPI, Nasdaq100 for JEPQ) AND because it’s paid out in mostly in dividends rather than share price appreciation, it’s a forced taxable event if it’s not in a retirement account. It is not possible for them to exceed the returns of the underlying index. You are who the first comment calling out dividend seekers is referring to, because you fundamentally don’t understand the asset you are hyping up.

SNCOsmash

SCHD is also focused on growth (share price), which is has proven since its inception. Others like JEPI which has great monthly payouts, lack growth and eventually lag behind in the long run.

Long_Abrocoma_8480

Looks like you’ve got a solid mix with VOO and VXUS for broad exposure, and adding JEPI gives some income flavor. Since you’ve got bonds covered in the 403b, I wonder how you’re thinking about risk as you get closer to retirement—do you plan to tilt more conservative over the next decade?

Unusual-Fortune-7380

The percentage I hold in bonds and securities is used as security for unexpected expenses (housing, healthcare, etc.). The rest is in dividend ETFs. JEPQ JEPI and WINC are practically the only ones available in Europe. I'm aware of the risk of some NAV erosion. However, they seem fairly reliable, at least for now.

Unusual-Fortune-7380

Yes, I wrote that I also have JEPI and JEPQ.

SNCOsmash

JEPI for monthly payouts. Would give you about a good amount of money to spend or reinvest.

Sad_Gate_7099

Hello ! Alors oui, votre votre portefeuille est globalement solide et déjà assez prudent, surtout avec 50% en obligations / court terme. À 62 ans avec 2 000€ de revenu mensuel vous êtes dans une bonne situation ! Mon avis principal : simplifier un peu la partie actions. Plusieurs de vos ETF se recoupent (VHYL, TDIV, EUDV, VWRL, JEPI/JEPQ), trop de lignes ça complexifie le suivi sans vraiment améliorer les performances. Un ETF monde principal + une petite part income et vous allégez le reste. Sur les dividendes : ils apportent un confort psychologique réel mais sont souvent moins efficaces fiscalement que la croissance du capital selon votre pays de résidence. Une option intéressante : réinvestir une partie des dividendes dans un ETF global capitalisant tout en gardant une part distribution pour vos revenus mensuels. Pour le réinvestissement, je ferais simple : si les actions baissent → renforcer actions, si les obligations deviennent attractives → renforcer obligations, sinon → ETF monde diversifié. Et garder 1-2 ans de dépenses en liquidités c'est vraiment rassurant à la retraite, ça évite de vendre au mauvais moment. En résumé : bon portefeuille, mais je privilégierais plus de simplicité et d'optimisation fiscale plutôt que la recherche maximale de dividendes !

Thepandashirt

Bro you have $2M. Literally could drop all this in like JEPI and go fuck off to thailand or vietnam to live on a beach. You could afford like a hooker a week with that sort of money in SEA. But no, you have to go gamble on a garbage name in their main competitors app. This is peak WSB

Barbie_and_KenM

I had to pay 60k in taxes for last years gainz. Set it aside and put it in JEPI getting some dividends out of it for 4 months at least.

InvestingNerd2020

You are fine. At your age you have more than enough to retire in the stock market. Especially if you maxed out your Solo Roth 401k. You could put $100k into a dividend/covered call ETF to earn money from it. SCHD, DGRO, or JEPI. The latter (JEPI) doesn't keep up with inflation.

ImAnonymous135

JEPQ, JEPI, QQQI, SPYI you name it. But you will sacrifice the high yield for growth

Jebusfreek666

I like JEPI

breakyourteethnow

JPMorgan funds rely on equity linked notes ELNs which are typically taxed as ordinary income, GPIQ utilizes Section 1256 index options, which benefit from **6**0/40 rule (60% long-term and 40% short-term capital gains rates). Also, a massive portion of distributions over 90% is categorized as Return of Capital (ROC**)**. This doesn't just lower the tax, it defers it entirely by reducing cost basis rather than creating an immediate tax liability. You’re applying a tax drag argument to a fund specifically engineered to avoid it through Section 1256 contracts and ROC treatment. It's not like JEPQ/JEPI.

breakyourteethnow

Actually, you're wrong here GPIQ isn't taxed like those other funds. While JEPI/JEPQ get hit with high income taxes, GPIQ uses 60/40 rule where most of the profit is taxed at a much lower rate or long term capital gains. And a huge part of its payout is just Return of Capital, which means you don't even pay taxes on it right now. You're treating a tax-smart fund like a tax-heavy one.

Perfect-Obligation60

You are not thinking about after tax yield. Dividend are taxed more than capital gains. which makes JEPI/JEPQ less attractive unless you need the monthly cash flow.

BejahungEnjoyer

For every person who buys an option, another person sells it. Some of these sellers might be delta hedging to capture the vol premium but I think the p/c ratio isn't that great an indicator. Plus cov call ETFs like JEPI are super popular nowadays.

deadlyvagina

JEPI isn’t dividend income anyway

Sure_Smf

JEPI is great from an income/dividend standpoint, but it's all dividends with zero appreciation. For a more balanced total return (dividend and appreciation), I think SCHD is a better play. JEPI's dividend is 7%, I understand, but compare their total return over the past 5 years. Good Luck!

jt1994863

JEPI just sells covered calls on SP500 and distributes the proceeds to investors as a dividend. By design this cannot outperform the underlying SP500 index, AND it’s a forced distribution that will be taxed as ordinary income, not as capital gains. Dividends aren’t free money, especially in a taxable account.

Alternative-Neat1957

TW. Each of the funds I listed write options on the S&P 500 similar to JEPI. However, unlike JEPI, their distributions are classified as Return of Capital. Similar funds that use the Nasdaq as its underlying would be QQQI, GPIQ and ROCQ (similar to JEPQ). ROCY and ROCQ are new funds from JP Morgan (the managers of JEPI) to take advantage of the ROC tax treatment that other funds employ.

rugby_hurries

If you’re cautious but still want some exposure, you could look at dividend ETFs like covered call funds from JPMorgan such as JEPI or JEPQ. They aim to generate steady income and will give up some upside in strong markets, which can suit a more defensive approach near retirement.

EmbarrassedAd9057

Solid foundation — VOO + SCHD as your core with VXUS for international is a smart framework. A few things the numbers show: **Your biggest gap is international exposure.** VXUS at $1,500 is only about 3% of your portfolio, which means you're almost entirely betting on the US continuing to outperform global markets for the next decade. That's been the right bet recently, but over a 10-11 year horizon it's a real concentration risk. Your plan to build up VXUS is the right instinct — I'd actually go further and direct your entire $500-1000 monthly contribution to VXUS for the next 10-12 months until you're at 15% international. Your VOO and SCHD positions are already large enough to compound on their own. **JEPI is worth rethinking at your timeline.** Covered call strategies generate great income but they cap your upside in bull markets by design. At 10-11 years from retirement with a late start, you arguably need growth more than yield right now. JEPI makes a lot more sense 2-3 years before retirement when you're transitioning to income. The $6,000 there could be working harder in VOO or VXUS during your accumulation years. **MU is your wild card.** At \~5% of the portfolio with roughly 2x the volatility of the broad market, it's your single biggest source of downside risk in a severe tech downturn. Not portfolio-threatening at this size, but worth knowing it'll swing twice as hard as everything else. NVDA at 3% is fine. **What's working well:** Your effective diversification through the ETFs is excellent — you're exposed to thousands of underlying companies despite holding only 8 positions. Your portfolio shows strong defensive characteristics, losing roughly 23% in simulated crash scenarios versus 30% for the S&P 500. Your sector coverage is solid through VOO and SCHD — you've got good healthcare, tech, financials, consumer, and energy exposure baked in. The only real gaps are utilities and basic materials, which are small sectors and not worth chasing. And your 3.0% yield is more than double the market average, so the income engine is solid. **If I had to prioritize:** VXUS contributions first, reconsider JEPI's role second, everything else is fine to hold and let compound. I ran your portfolio through an analysis tool I've been building — it simulates crash scenarios, calculates sector coverage, and flags risk concentrations. In a 2008-style market crash your portfolio drops about 23% vs 30% for the S&P, and in a tech-specific crash it holds up even better thanks to the SCHD/JEPI buffer. Happy to share the full breakdown if you're interested.

myrrhsea

The only thing useful about all the media is that it provides information about different investment strategies that you can cross reference with each other. For example, I can watch a video about using SCHD and JEPI to form a dividend snowball, and then watch a video about how focusing on growth first beats dividend reinvestment long term. If you already have a strategy that works for you and meets your goals, then it's all noise. If you're still developing your strategy, then it's education to take with a grain of salt. Treat it like research and put everything to scrutiny. Then you can find the best strategy and it all becomes noise again.

Beginners_tech

I am looking for an investment strategy to fund my vacations. I already have retirement accounts and traditional accounts and all that fun stuff but I want to set up an investment account that pays me out in dividends or some sort of pay out every year. I figure I need about $2500 a year for the trips id like to do. Any suggestions on what to invest in? I was looking into SCHD, or JEPI or something similar. I was also thinking about t bills or CDs. Just looking for some ideas

apurimac777

Protip: if you are fucking tired of buring through your gambling money buy a dividend fund like JEPI / JEPQ with it and delete the app

Moccabean70

I started out with SCHD ($14K) and JEPI ($6K), did a little research and realized VOO would be a great growth stock, NVDA and MU gives me tech exposure, LMT (possibly good with the current geopolitical situation), VXUS covers international and O for real estate. Basically I was looking to add structured diversity. The amounts are allocated based on when I have $$ available and what I feel is a good dip. I’m still learning…

cdude

I'd get rid of SCHD and JEPI. Did you watch a tiktok influencer mention the terms DRIP, cash flow, or passive income?

Nearsite

QQQI, SPYI, JEPI, ARCC, BXSL, QQQT, SPYT, GIAX, ULTY, ULTI, NVDY, etc. etc. I have around 30 different ones to spread out the risk. It's all about RISK MANAGEMENT.

apurimac777

Im staying with my safe bitch JEPI but seriously thinking about talking up USO or CVX when she goes to the bathroom Im too chickenshit to talk to the insane smokeshows dancing on the bar (QQQ puts, UVIX)

_____1983

Creo que no es tan mala idea. El problema lo tienes con el 8%. En Europa un credito personal está por el 4%. Si puedes pagarlo con tu sueldo, yo lo invertiria en un CC ETF, tipo JEPI que te renta mensualmente entre un 7-8%, con eso cubririas un 50% de la cuota del prestamo. Y al cabo de 5 años cual es tu mayor riesgo? Que la bolsa haya caido un 30%-40%.. tampoco es tanto ( si puedes cubrir con tu sueldo la cuota), al final tendras 25-50k “gratis” en 5 años. Yo lo veo una buena jugada. Hay que tener en cuenta que el secreto del capitalismo es la deuda. Deuda buena para comprar activos. Deuda mala para comprar gastos (kiyosaki)

West_Lavishness6689

i cannot answer that fully right now. I am doing a mental reset and need to reevaluate the market as a whole and calculate a strategy to get back in. my mind is leaning towards dividend stocks. something like: JEPI, JEPQ, QYLD, PFFD, BIZD, ARCC, TRIN, PFLT, AGNC part of this is some aggressive high yielding with more risk attached.

sjohnson11

I have a position of 1100 shares of JEPI with an average cost basis of 58.59 and it has been getting hammered

CommonSensei-_

DCA slowly with under valued stocks that I already have a position in. ( mostly) Tsco, UPS, AMT, Some tech stocks that are speculative. Oklo, SMR, circ, Mara, And sitting on a larger pile of cash to buy a crash if it happens ( I’d buy in JEPI , SPYI, or a total us market index fund)

Apart_Lab7069

what about 60% of your asset into (DIVO, JEPI, SCHD) and 40% into allwather portfolio

GaylrdFocker

I believe it's just selling covered calls on Google stock. Similar to IQQQ, QQQI, JEPQ, JEPI, etc. but focused on 1 stock instead of an ETF

Stock_Advertising718

If that happens again we are all screwed. I’m going to increase international like everyone else is apparently doing and keeping 30% on bonds BND, MM (until yields drop below 2.5%) and alternatives like GLD and BITC ETH GRNI JEPI JEPQ

Reasonable_Ant80

Coming from a background in Enterprise Sales, I treat my portfolio like a business. * **REITs** are like your 'Recurring Revenue'—stable but sensitive to 'cost of goods' (interest rates). With the Fed starting to ease rates in 2026, REITs are finally seeing some NAV recovery. * **Covered Call ETFs** (like JEPI or the Indian equivalent) are like 'Consulting Fees'—great for immediate cash, but they don't scale because you’re capped on the upside. If you're young, don't trade your 'Future Growth' for 'Current Income.' I use a 70/30 split: 70% in high-conviction growth to build the principal, and 30% in REITs to provide the psychological 'paycheck' that keeps me from panic-selling during volatility."

Signal-Shoe-6670

Honestly this already looks pretty thoughtful. 55% equities / 45% defensive assets is a pretty common range for someone a few years into retirement, and having a 30% cash buffer gives you a lot of optionality during volatility. One way I tend to look at portfolios that helps simplify the overlap question is thinking in “sleeves” rather than individual funds. For example something like: • Core market sleeve – broad exposure (VOO, VTI, etc.) • Income / dividend sleeve – SCHD, VIG, JEPI style funds • Ballast sleeve – bonds, CDs, cash • Optional satellite sleeve – anything tactical or opportunistic When you zoom out that way, some overlap between funds matters a lot less, because the job and intent of the sleeve is clear. The sleeve structure also makes rebalancing easier since you’re adjusting exposure at the sleeve level instead of constantly swapping individual funds. From what you described, you already kind of have that structure forming naturally — especially with the growth vs dividend split and the large cash reserve. Your plan to gradually move CD maturities into bonds also sounds pretty reasonable.

alaric422

JEPI, JEPQ sell options on Q's. Not one for one but income helps offset declines.

Dull_Principle2761

Does anyone own JEPI just to collect that 8-9% monthly dividend or not worth it because of how it’s taxed

MOAB11

Covered call ETFs like SPYI, JEPI and QQQI.

IncomingAxofKindness

My 10% position in JEPI / JEPQ is a shining star in my port.

Moccabean70

This is the portfolio I’m concentrating on. Not sure what I want to trim and what I want to build up. Definitely will keep adding VOO/SCHD and probably JEPI. SCHD 15,866.62 JEPI $6,155.79 MU $3293.28 VOO $3,134.45 NVDA $1,645.29 QQQM $743.49 VYMI $497.35 VNQ $472.95 SCHG $365.16 SHLD $76.79

FreeHelthcareforall

I’m i’m 70 and I trade Stocks and Options for living. I and I have made many mistakes like that as well. My advice is don’t sweat it you may benefit from your mistake. It’s not the end of the world. Live and learn. Most my gains have come from dollar cost, averaging into S&P 500 funds like VOO, JEPI and some international funds like FEZ , EEM. Every month I buy a few shares of each fund.

Chimaera1075

Might consider adding JEPI as well for the dividend.

couchst

Covered call ETFs. JEPI, JEPQ, QQQI, TDAX etc.

Faultyassasin18

Hey everyone, i've been really kicking around two different investment strategies for the next 20 years to build wealth and create passive income, and wanted some input on both- an initial $10k investment in high dividend stocks (either VZ or GAIN) and then DRIPing and a constant $500 a month investment vs a diversified ETF Strategy with the same initial investment and monty contribution. The strategy would be 60% VTI, 30% VOO, and 10% VUG. To offset the dividend income gap, i'd switch that over to 50% SCHD and 50% JEPI towards the last few years. I have a high risk tolerance, which is why I don't mind putting it all in a single stock vs diversification. All this to say: which have you seen be more successful- Dividend investing or ETFs for long term wealth?

Hugostrang3

I'm not sure what I'm doing. Just dumping into monthly dividends DX CSWC AGNC MAIN O JEPI PFLT SCM GOOY - I would like to test weekly dividend and dump into safer dividend stocks.

millenialismistical

Can't look into the future but can look at the past: 45k into JEPI in 2025 would have gotten you between $250-$400 per month depending on the market volatility. For comparison, 45k into an ETF like IYM would have gained 13.8k between Feb 25-Feb 26, or just over 1k per month. But who knows what the next 12 months will look like.

sirzoop

yeah JEPI and JEPQ are great options

Morning6655

What is the long term plan? At what age do you want to retire? What is your expected income from social security and retirement account? About how much are you short each month? Is there anyway to find a cheaper apartment or do a side gig to make the difference? Using these funds while 100% employed is not a long term viable solution. If you absolutely have to, then I will prefer some good dividend etf's instead of CC funds like JEPI. The dividend funds usually increase dividends every year. 45,000 is not a lot of money to generate passive income and if this is short term, you can buy funds like SPYI or QQQI. Long term these will probably will not maintain the purchasing power.

trsx5

SCHD and JEPI are a vibe rn.

Garbage-Disposal-938

I don't own any of these, but in some cases their 1Y price performance is better than XDTE and QDTE: TSPY, GPIQ, JEPI, JEPQ, YLDE, DIVO

trsx5

100k in JEPI / SCHD - and chill

ThinkingOfTheOldDays

sold JEPI. this thing is supposed to be an income & bond replacement, but the capital appreciation was too significant and RSI on the 5 yr is pushing into the mid 80s

ThinkingOfTheOldDays

keep pounding JEPI

ThinkingOfTheOldDays

JEPI, little stud lately

Jealous_Educator_557

Just invest in covered call ETFs like JEPI JEPQ GPIQ etc…..the 400k you lost would have generated close to 40k/year

drazayn99

JEPI, VDC, PFIX and some RSP might do the trick I guess?

deadlyviperx

JEPI and JEPQ have 8% and 9% interest. 100k is 8-9k a year in dividends without trading

power_gas

You'll be alright. Flatten your time sensitive positions and step away. Your risk management sucks. Should revisit your methodology while youre still up overall. Harvest the losses for taxes. Park the money in something like JEPI or VOO. Then come back once you get out of your head.

Uzunzatu

Buy low and sell covered calls would be better than JEPI

ThinkingOfTheOldDays

humble little JEPI, a nice diversifier

Extension-Temporary4

bonds, bond funds, TIPS, USFR. Depending on risk tolerance, some high yield  funds like jepq, JEPI, sphy . . . Get an advisor. But a fixed income bond ladder is probably your safest bet — it won’t generate 5% but it will get you part of the way there. Mix in some dividends and diversity, you have a decent upside with a known/limited downside.