JEPI

rackoblack

I'd rather farm the work out to an ETF. SPYI, JEPI something like that. I added those as I pulled the FIRE trigger. I own some AMZN that's way up, too. Rather than sell options against what I own, I added AMZY to the mix as well.

BrilliantArm5914

some JEPI and chill

ESD150

Id probably use this money to build longer term income with something like JEPI or JEPQ. If you aren’t in immediate need of the income, reinvest the dividends or put the dividends towards VTI/VOO/QQQ

goblinguide1900

I used to have problems with this a lot also. One thing that helped for me was investing in high yield dividend funds and/or high dividend yield stocks. If they move 5% I can at least take comfort that the dividend would compensate for the loss and it makes it easier to hold. JEPI and JEPQ are good ones for this

ZaneStutt

I always recommend to lock in freedom first....then take smart risks. A good move is to split between stability and upside: park 10–15% in money markets like VUSXX (5.25%) for liquidity, 15% in high-yield REITs like STWD (10%+), 20–25% in index ETFs like VOO or VTI, 15% in covered-call ETFs like JEPI (8.5% yield), 15–20% in high-growth AI stocks like NVDA or SMCI, and keep <5–10% for optional plays like the Wheel strategy or 0DTE options only if you know what you’re doing...

AVdev

JEPI and TQQQ? Technically?

Adonlude

I keep a few percent in JEPI which is a little broader. Either is a nice investment.

smartfon

Appreciate the details about the default rates and risk. I was missing that. >What I have been doing is a money market for for Cash A mix of high yield stock dividend funds and loan obligations with a goal of about 10 separate funds. Like a mixture of VMFXX, SPYI/JEPI, and JAAA/CLOZ? Here is my updated scenario based on your info: name | old | new | change ----|---|---|------ SGOV | 50K | 40K | FLOT  | 30K | 0K | dropped, underestimated JAAA's stability JAAA  | 20K | 40K | CLOI  | 20K | 0K | dropped, redundant JBBB  | 10K | 0K | dropped, redundant CLOZ  | 10K | 20K | SPYI | 0K | 40K | replaces some CLOs, tax efficient vs. JEPI/Q total | 140K | 140K | still 100K in fixed, now 40K in high-div. volatile stocks yield | 5.3% | 7.5% |

Various_Couple_764

I would go to a brokerage and just put 200k in an ETF. I am in the US so I don't know what ETFs are available there. But I can put 200K in QQQI and get a 13% yield (about 2K a month) and all for a fund feed or 0.68%. No other fees. Other similar funds in the US are JEPI, JEPQ, SPYI. Maybe one of these is available.

picklikewarren

A few interesting ones right now: * **ARK Innovation ETF (ARKK)** – High risk, but focused on disruptive innovation. * **JPMorgan Equity Premium Income ETF (JEPI)** – More defensive, with consistent income through dividends and options. * **Fidelity Blue Chip Growth ETF (FBCG)** – Exposure to large-cap U.S. growth stocks. * **T. Rowe Price U.S. Equity Research ETF (TSPA)** – A more classic active strategy with reasonable costs. Just keep in mind: Active ETFs **don’t guarantee outperformance** and fees are typically higher than passive ones. or paying off debt.

ThatBoyScout

Selling 839 shares of PSEC and putting in JEPI. 51% loss.

The-Magic-Sword

One thought is that you might go for dividend equities, that should be help the slow-but-steady you're going for, since even when it isn't actually going up, you're reinvesting the dividends either in the same equity or a different one, and growing the number of shares you're holding for when it does. Among other things, I've got JEPI, GCOW.

greenpride32

Yes JEPI distributions are treated as ordinary income and taxed according to your income bracket - rather than being qualified. IMO - it's a rather silly argument. It's like saying 22-37% tax on $7 pay (out of $100) is worse than 15% tax on $3 pay (out of that same $100).

deadcowww

Isn’t there a different tax processing for JEPI?

D_Pablo67

I put my dividend stocks and ETFs into categories. Top 4 are higher yielding and steady payers (MLPs & REITs): Energy Transfer (ET) is MLP midstream pipeline with excellent growth prospects and high quarterly dividend. Enterprise Products (EPD) is rock solid MLP and a dividend aristocrat (raised dividend every year for 25 or more years). Realty Income (O) is a REIT known as “the money dividend company.” Yields better than bonds and grows. Also a dividend aristocrat. Federal Realty Trust (FRT) is a REIT and dividend aristocrat paying higher than US Treasuries. Common Stock with lesser following, good yield and solid prospects: Sonoco Products (SON) manufactures packaging like Pringles cans, aluminum pie holders, cores for toilet paper. Yield is 4.7%, good earnings report and I think it is undervalued. Covered Call ETFs by JPMorgan paying high monthly dividends: JEPQ is built around the NASDAQ JEPI is built around solid S&P 500 companies like Visa, MasterCard, Progressive and Trane. It has less yield and less volatility than JEPQ. Papa John’s

greenpride32

I've been considering JEPQ but so far only dipped my toes into JEPI. If you look at QYLD (pure covered calls NASDAQ100) it has not preserved capital over time. There is also the newer QQQI at even higher yield. I was concerned higher volatility on NASDAQ 100 could also prove to be challenging to JEPQ - but they've done okay -much better than QYLD. I think with more time my confidence will grow in JEPQ and I'll eventually accumulate some amount.

technical-mind4300

Do you think JEPQ also covers well like JEPI? Seems like higher risk/rewardx

greenpride32

SCHD is a farily low fee. UTG / JEPI are higher for sure. SCHD fee would have served you much better than holding individual stocks such as T PFE INTC where capital deprecation gives you a net loss. Depending on when you bought VZ it's most likely flat or down for most people, where as SCHD is up in addtion to the yield. There is no guarantee that SCHD will continue on that path, but again main point is the diversification. You hold 3-7 diviend stocks - 1 or 2 go south, your dividends don't even cover the captail losses. In the case of INTC the dividend is suspended. I'm sure SCHD has had some "losers" but in a pile of 100 it won't stand out and they can just cycle it out for something else.

greenpride32

I used to have a several dividend paying stocks. But I decided to dump the ones which were mostly flat performing and keep the ones that had captial appreication. Instead of picking individual stocks I went with an ETF called SCHD. It holds roughly 100 stocks and yields about 4%. Over time the captial has appeciated as well. Keep in mind the fund is managed and not tracking any index, so in sense you are relying on the managers to do a good job. My thought process was many high yield diviend stocks are very high debt and operating and distributing solely on cash flows. Any hit the cash flows could be detrimental to the bussiness and the stock. So why risk captial used for dividend income on few to several companies, when I can get a more diversified basket? Other dividend income I have is from ETF's UTG and JEPI. They both yield roughly around 7%. UTG is a focused on utility stocks such as energy and telecommuncations. It pays a higher rate because they use some leverage with those same companies. But this is about as safe as leveraging gets. JEPI primarily sells covered calls like many other covered called based ETF's. But unlike most others, it has other activities to help mitigate risks and protect capital. If you compare it to pure covered call ETF's, it seems to preserve capital much better - but at lower yield. If you want to review pure covered call ETF's check out SPYI and QYLD.

ComprehensiveSwan698

Wealth and income are different. If you want income, consider JEPQ, JEPI, SPYI, QQQI, or SCHD. Putting into S&P500 will generate you great wealth

technical-mind4300

I am not taking profits but new investment is going into some share plays. Beyond that I think a good question is - is there a lot of money on the sidelines especially if interest rates fall and safer MM accounts have no where to go. This was true not long ago. I do think if interest rates fall I expect that to provide support dividend heavy stocks. I think for growth stocks it will depend on earnings in the light of tarrif shock even if now muted. I am not usually a believer in DCA but at the moment I think it might make sense. So bottom line - If you can afford to do it I would not sell unless the company fundamentals are now not good (like always), bolster up safer or defensive plays including CDs, MM and Dividend ETFs like JEPI or JEPQ or SCHD to reduce exposure while continuing to DCA into growth stocks.

vt2k

You beat me to it! Though I'd also throw in JEPI as an option. TTM dividend payment on JEPQ is 5.93, which is yielding about 11.50% and paid monthly. Since it makes money off of call options and added volatility will help (all these changing tariffs are increasing volatility), the ETF is going to generate a lot of cash to distribute to shareholders. Last month's announced dividend of $0.60 was 39.5% higher than the dividend in the same period a year ago! Once the tariffs and volatility begin to calm down, moving money into SCHD for long-term growth and relative stability could be a good option.

Unique_Chemical5719

You’re thinking in the right direction, but just keep in mind getting $2,500/month from $400K means you’re aiming for a 7.5% annual yield, which is doable but comes with risk. You’ll likely need a mix of high-yield ETFs like JEPI, QYLD, RYLD, and SCHD to get close, maybe with some REITs or covered call funds in the mix too. Selling the condo could make sense if the ROI is poor and the housing market there feels stagnant, but don’t forget that dividends can fluctuate, and capital preservation is key when you’re relying on that income. You could also phase the move sell half now, test the strategy, and see how steady the income really is. Aim for balance: income today, but not at the cost of eroding your principal too fast. Good luck.

therealjerseytom

I think realistically to have a steady and safe $2500 per month, aka $30000 annually, you'd need $800k-$1M. But with what you have, something like JEPI and JEPQ could work I guess.

Various_Couple_764

JEPI produces regular dividends and is not a good choice for a taxable account. QQQI is similar bu better. It incorporates tax loss harvesting to lower the tax on your dividend and it produces a modestly higher dividned of 13%.

ConsiderationFar1176

Listen if I was you……. Pay that dumb ass house down… if you miss your money so badly open a Heloc….. use that money to make big boy money and not 4% on t-bills Open Heloc once your house is paid and you’ll be allowed to borrow 80% of your homes equity at a high interest rate “due to current interest rates” but who cares… you make enough to pay back the money easily… 105k / 26 4038.46 before tax Go find a good dividend paying etf or stock that you would stand by… don’t worry nobody will agree with your choice everyone has their own risk opinions but you should borrow low and ladder up Personally SPYH, SPYI, OMAH, JEPI, ISPY would be a good start, you’ll be much happier if your money works with the market rather than t-bills, just because the market goes down every now and then doesn’t mean you stop the plan, keep at it… that’s how your 401k works and yet you keep investing in it and it keeps growing

Ok_Assignment4100

I’m thinking about JEPI. Monthly dividend payout but little growth for capital appreciation. Which I’m fine with.

Spiritual-machine1

If you wanna take a big risk, MSTY CONY PLTY PLTW CVNY FIAT and have high yields but can be volatile. Those are all from yieldmax. Could also try JEPI and O. These are all monthly payouts, PLTW is weekly.

Ok_Assignment4100

Yeah, I was actually looking at JEPI. Monthly dividends, really no upside in terms of capital appreciation due to covered calls. But that’s okay with me. Again, I have other long term investments in my 401k and Roth IRA (And enough cash for emergency).

Unique_Chemical5719

Solid plan wanting to build a small income stream, but just to set expectations pulling in $500 to $1K a month from $20K means you're aiming for a 30% to 60% annual yield, which is pretty unrealistic without taking on serious risk. That said, if you're cool with more modest monthly income (like $50–100), then ETFs like SCHD, JEPI, HDV, or QYLD are worth a look. They offer decent yields (4–7%) with a bit more stability. If the goal is to offset small bills, keep it simple and sustainable and let compounding do the heavy lifting over time.

generationxtreame

You’re better off paying off the loan and cut that expense out. Invest more into the market with every paycheck as a way to catch up. Alternatively, you can look at higher paying dividends to offset your interest on a loan. $80k into JEPQ and 20k into JEPI should give a nice monthly payout which will leave you with a surplus after loan and taxes.

filmstocky

Sorry for your loss. First off, I would talk to your accountant to avoid any unnecessary tax liabilities . As far as investing, I would max out your retirement account contributions for at least the next 10 years. I would put the money into index funds: VOO, QQQ,JEPI and JEPQ, plus choose a good international index fund. Reinvest all of the dividends to avoid taxes. I don’t think you should invest it all at once, use dollar cost averaging over the next couple of years. It probably makes sense to put all of your inheritance into a money market account with your brokerage and make investments over time from there.

Process_Pretend

100- your age = % you should put in etf like spy and qqq. You can maybe put 5% of that amount in an etf of crypto if that’s something you believe in. The rest of the money should go in strong stocks. SCHD, JEPQ, JEPI. Don’t forget to spoil yourself a bit. Money is made to be used. But best advice go see a financial specialist. A real one. Not the one pretending to be on Reddit

theduderino38

I’m adding to some core positions in both ETFs and individual tickers. Adding JEPI JEPQ SPYI VZ CCI SCHG SCGD VTI VOO QQQ Pretty much all the stuff I should’ve bought instead of weed stocks over the past 5-6 years lol

JohnWCreasy1

but i can get 4.99% promotional on my heloc for 6 months! i can earn that just buying JEPI! the nav will never go down

NeonDriftwood38031

So I (M20) am fairly new to investing as a whole. I started with a Roth IRA, putting $100 a week into VOO and JEPI. After seeing some growth, I got curious about day trading and wanted to understand how the market actually moves. Now, I get that market uncertainty doesn’t last forever. At least that’s what everyone says during every other downturn. But this one? It feels different. The POTUS tweets, and suddenly we’re up 20%. Then JPowell steps up sounding like a stressed-out dad, because 🥭 Mussolini couldn’t care less about the Fed being independent. I guess what I’m really looking for is something constant, even in the chaos. Some sort of anchor. But when I read about markets and day trading, it just feels wrong that keeping tweet alerts on for 🥭 is part of the “strategy.”

technical-mind4300

One alternative is dividend and covered call like JEPI and JEPQ. They pay a nice dividend and while can lose value tend to recovered. Volatility I believe helps the dividend.

smartfon

Great conversation, folks. What dividend ETFs would you recommend to someone with a taxable account who wants high income from dividends and doesn't mind if the value of the principal investment doesn't appreciate? That's what I assumed high-yield dividend ETFs were meant for. For example, [JEPI](https://stockanalysis.com/stocks/compare/jepi/)'s total return since 2020 has been 70% while its stock price only rose by 11%. I wouldn't even care if the stock price was +0% if I knew it would regularly return ~8.9% in dividends. So a couple of questions: 1) Are there ETFs that have been providing avg. 8+ yields consistently for many years? Any recommendations? 2) Some experts believe we are entering a "bad decade" in which stocks won't grow above 5% annually. If this is the case, could JEPI maintain its 8% annual dividend yield? The user you were debating with, and I, are under the impression that JEPI's stock price must depreciate by at least 3% if they want to maintain that 8%, while you believe there is a possibility that JEPI could continue to pay 8% in dividends while maintaining its stock value? For your scenario to materialize, would JPMorgan managers need to consistently outperform the broad market during that "bad decade"? Has this ever been done successfully? I've been told that actively managed ETFs almost always underperform the broad market.

LongLetterhead7083

i'm a JEPI boy. pulling in 2K per month

done-done-london

JEPI is real?

stubborn

I have JEPQ, JEPI, XDTE, QDTE in a roth ira. So, with no tax considerations, does it mean there is zero advantage to me holding these? Do they fall less than than corresponding spy/qqq if the market goes down? Wondering if I shd just sell these and swap with corresponding SPY or QQQ

D_Pablo67

I prefer JEPI and JEPQ, covered call ETFs that pay monthly dividends of 7-12%.

oldmanballsacks81

Sold my upro and tqqq when we hit 567.5 on SPY. Dumped all those gains into JEPI, SCHD and a teeny lil bit on QQQI

EngineerDirector

Every single hedge fund does it…. How do you think $JEPI $QYLD $RYLD $XYLD and all the other pay dividends?

No-Kings

HYG - Yes but junk bonds soar high when bond market shakes. JEPI - Yes but I also don’t believe it will perform worse in a bear market.

Short-Taro-5156

$HYG tends to be highly correlated to the equity market. It has a beta of 0.90, so that means if the market goes down 1% HYG will generally trade down ~0.9% barring idiosyncratic differences. This is not a great choice if you're pessimistic on the S&P500 unless you have another reason to believe high yield bonds will outperform. $JEPI is not a dividend equity fund, it's an equity *premium* income fund, which will mean the majority of the distributions are not from dividends, but from the fund writing covered call options on their equity portfolio (eg selling potential upside for income). Will decline less than the S&P500 in a bear market/outperform in a flat market but covered call strategies tend to perform poorly over the long-term given options skew.

No-Kings

Think beyond just SP500. $HYG Bonds - Diversified Junk Bonds will have the highest yield. Over 1k bonds represented rebalancing frequently. $JEPI - Good ol dividend equities, if their yield falls below downside losses, I’d be surprised. ESG Equal Weight International Index - Global Companies with solid moral leanings are less likely to be financially unstable. Equal weight will keep you most diversified. It’s not what you do in a bull market, but a bear market that makes you a good investor.

zitrored

You can a screener stock and ETF search on dividend yield. Examples are chevron, JEPI, hyg

Eye_Of_Charon

I’ve got JEPI in my portfolio which I quite like. ✌️

Difficult-Brush8694

Get something like JEPI if you’re risk adverse, or TQQQ if you have a strong stomach, then let it sit until you have time to learn more about investing.

RichardFlower7

Vanguard total market Ex US 20%, gold 10%, bonds 10%, VTI 50%, QQQM 5%, JEPQ/JEPI/SCHD/QQQI 5% is what I’m currently doing for new money in

Practical_Estate_325

JEPI SPLV GLD International Money Market

AdAny631

How the hell is BlackJack rug pulling you faster than crypto. It’s the best odds game in the casino if played properly. Even playing sub-optimally the house has ~7% to 8% advantage. If played optimally it’s only house advantage 0.5%. Also you have to get a 3:2 which is usually based on money these days like getting into a $100 per hand minimum area but if you have the chart memorized and don’t get shitfaced like a moron if you get up big they will comp you a room etc…anything to keep you around and play more. I enjoy the money and free shit then leave. If I lose I cry like a little baby back bitch even though my investment account is probably doing worse somehow even though I’m in gold, $JEPI, $JEPQ, $PLTR, $SVOL (anytime volatility spikes it naturally reverts to the mean. It’s always one of my favorite plays but I always protect myself with way way OTM calls or puts depending on what product I’m using). Also after I sell after a year of holding (to get LT tax percentage of 20% instead of 40%) I don’t think I’ll use $SVOL again, it got shady with what they are buying.

Zuluinstant

Mfw he could've earnt 20,000$ a month from dividends just by putting all of the money into JEPI and then just used that money to buy options for his crippling gambling addiction

freenessness

What are your thoughts on this for an education account that is currently drawing down? My daughter is just finishing Freshman year. I need 30k a year to cover her school. There's 120k left in her Coverdell. 30k is in a MM ETF for next year. 90k is in various ETFs (down from it's February high but still up nicely from 12 months ago). I was thinking MAXJ would be a decent option to guarantee I have the final 2 years of undergrad covered but still allowing for some upside so that maybe I can cover all of grad school too. If I put the 90k into a MM, it'll go up to 104k in 3 years (rate changes not withstanding). With MAXJ, it would be between 90 and $120k. I was also thinking about JEPI as an option.

EnzKiss

It’s newer, To me they’re low risk, it’s JP Morgan They sell covered calls on spy, Price basically tracks SPY, they pay 9-11% yearly in dividends. There is a group of people who tend to stray away from high dividends like that, there’s Also JEPI. Aswell as other dividend stocks, with more conservative dividends, but still above 5 percent. Even 5% of 500k can be enough for you to never work again. Personally i would put 300k in jepq for roughly 2.7k a month (remember taxes) At that point you don’t have to work. Then the remaining 200k into regular low risk diverse equities. You could really get rich with that amount of money in real estate and equities. But for purely passive, you can pull in even 7% Dividends annually, with a diversified dividend portfolio. As I said if i wanted strictly passive I would look towards JEPQ/JEPI. Risk is always involved but thats enough to not have to work. What you do with your dividends matters to, for example are you going to reinvest some, Withdraw some for living expenses, Work for an income and continue to add while essentially have a dual income, and in 5 years you could probably never have to work again, Period.

Glad-Flamingo-93

JEPI, JEPQ, or IBIT if you really want to be ahead. You lost 20% of the value on that $300k cash over the last 3 years already

JPete4985

My dividend allocation for my portfolio is 50% SCHD, 25% JEPI, 25% JEPQ. I'm astonished how well JEPI and JEPQ have done in this market down turn with their selling calls strategy while also paying me 8% and 12% monthly dividends. They actually have higher growth and less downside in this downturn as well. Both are up a percentage point or two, while schd is down 1-2%. Long term I like the balance I have and will continue doing that for the next 30 years for my dividend section of my portfolio. JEPI and JEPQ get a bad wrap for limited growth potential... but at the end of the day if you are using DRIP and reinvesting the dividends you are getting a blended rate of 10% growth annually when splitting 50/50 as you are aquiring "free" shares in a tax advantaged account. JEPI and JEPQ make far less sense outside of an IRA tax advantaged account, they are great in a 401k, IRA, and they super charge any ROTH.

aesthetics4ever

Yup, JEPI has underperformed relative to SGOV on a cumulative total return basis (trailing 1-yr) by 1.26%

AgxstinOrtiz

I’ve got JEPI and JEPQ, yeah, they’ve dipped a bit, but I still trust their strategy. Market’s volatile right now, but not stressing

Lazuli9

I wish I'd bought boring covered call funds (SPYI and JEPQ/JEPI) on the dip, and not puts today and yesterday  But at least i only spent 3% of my portfolio on puts and my individual stocks are recovering And some of my SPY puts don't expire til 5/1 and 5/2 I don't think SPY is going to 495 by then tho or TSLL to $6.70 😂

SnS2500

\> Has this changed your outlook on these funds at all? No, they are still pointless. JEPQ runs about the same as VOO and JEPI underperforms in good times while doing better in this bad market, but is still losing. Both are underperforming SGOV for the past year (VOO is slightly ahead).

AICHEngineer

Thats not how covered calls work. LETFs suffer under volatility. CC etfs will do good in a volatile sideways market because the higher IV will raise call premium, so they win as long as the underlying doesnt keep swinging high enough and hitting the strike price. Generally: Holding a covered call ETF is the same as holding the underlying, youre exposed to the downside risk. Writing calls just gives you options yield at the risk of losing out if the stock goes up past your strike price. Youre trading future potential gains for realized current gains. With implementation costs and increased skewness due to losing the right tail of the equity risk premium, covered calls will always underpeform the underlying long term. Short term, CCs outperform in down markets and constrained volatility sideways markets. Thanks to call yield (ignoring taxes) JEPI is down 6.4% and SPY is down 11.8% YTD. Another example where this can go wrong is XDTE, which is a 0dte covered call ETF. Its down worse than even SPY, because that day where tarrifs got paused and the market went up 10% in one day, XDTE only went up like 4%. Because this is a super wide swing down market, the upward spikes are lost to XDTE so it does even worse than the underlying SPY. XDTE is down 15.3% YTD vs SPY being down 11.8%. Sad!

ChairmanMeow1986

Well without the allocation % I cant be specific, you have vxus for diversification,have you thought of BND, SCHB or JEPI/Q for income earning holds? I.e. a pseudo cash position. GLD is the same and performing unsustainablely great, imo. Their are currency etfs as well. Possibly diversify out of VTI (tech). I'd focus on hedging and diversification considering your overall position.

TheObsidianHawk

Needs some JEPI, ARCC and SPY.

donky99

Learning about options is too much work, just put it on something like JEPI and get it over with. Who the hell has enough money to live off investments and spends time looking for the best contracts to sell.

ModelingDenver101

Keep buying JEPQ and JEPI each week as it goes lower. They are generating 9% and 11% dividends. JEPQ = Passive income with some risk for growth JEPI = Passive income with less risk, wealth preservation

No-Establishment8457

I use Robinhood every day. $5 into VOO, JEPI, JEPQ. Every single day.

V_for_Vandelay

I had SCHD because everybody recommended it but it’s my worst performing dividend fund over 3 years and lost about 9% in value since the dip. I’m in Canada and able to get better yield like 7% monthly dividends and better growth with SRU.UN.TO and its only come down 3% in value. Others my watch list ENB - 5.96% JEPQ - 5.15% JEPI - 8% Not a dividend but underrated are dollar stores. I also invested in DOL.TO which is a dollar store that is expanding to other countries and it has not dropped in value since tarrifs. It seems to go up like COST when everything else is Red. Maybe something to look into.

Jebusfreek666

I was just thinking about this and thought it might be ok to toss it in something like JEPI. Not gonna have huge gains obviously. But shouldn't swing too low either. And if it does take a hit, it should recover faster.

Esadissimus

Now I dont know about others, but you did what you did and believe me your life is far from over. Compare your life to a childs who lives in Gaza, Palestine or any other place that is heavily oppressed, where famin and starvation are daily reality for people and where people do not even know whether they will live to see another day. People suffer everyday, and they suffer horrible fates, unfathomable to the likes you and me. Now try feeling what they feel, the desperation, the depression and then come back and tell me is your life really over? Why? Cause you lost some money? Thats greed in your inner self that is speaking. Yeah you wanted to live like kings but thats not all what is to life. Also you have that opportunity to rise back up on your feet. Now if you want to consistently make money, you have to buy and hold stocks with occasional selling of covered calls but in your case I wouldnt even sell CCs either for now just to help you with your emotional state (too early for those). Just buy and hold. Now coming back to the second part on how to make it all back, right now its a good season to buy stocks low, dont overthink, just buy S&P500 and Nasdaq ETFs to protect you from your stupidity just in case you evaluate a single company poorly. You will ask - with what money? To make it all back you will have to work at least an additional job, lets say driving uber part time for example or anything you could do - handygurus, etc.. Patience is the key here as with your daily income from the second job you would be buying daily or monthly or byweekly, whichever you prefer to build up a solid portfolio and dollar cost average your share price. Will it be exhausting? Absolutely! Will it be challenging at times? Definetly! But think of it as a hobby and I would even buy shares daily just so that with every day I would see the progress that would motivate me for another day. Believe me accumulation is a very sweet thing 30 days of lets say additional 100$ a day (Im just making an estimation 50$ or 200$ work just as fine) makes 3000$ that you could buy lets say 12 shares of TSLA (again just an example, start with broad ETFs) or 55 shares of JEPI (it pays dividends btw). In just a month. Now think of how many shares you could buy in a year - and this is without touching your base salary... Its all possible, but impatient people cant make money in stock market, thats the rule...

Dynasty__93

Same. There is no fundamental reason for us to be bullish. At best the market should be expected to trade sideways for now until we get the next wave of tariff news (which could be the 90 day delay becoming a reality). Or China retaliating with say 200% tariffs. I am considering sitting out of the market entirely for the next 4 years. Maybe consider buying up high dividend ETFs like JEPI. As far as individual stocks? No thank you.

vt2k

If you're not a good student of the market, my suggestion would be to focus on buying a diversified ETF (like SPY or VOO) or an ETF that tries to be diversified while producing dividends (SCHD, JEPQ, JEPI). Figure out how much per month you can squirrel away and routinely dollar cost average into that ETF. (And make sure you reinvest those dividends so your returns will compound!) There's so much volatility right now with the ever changing tariff policy that you'll likely lose money for a few months before making money before losing it again and seeing it only increase later on. It'll be exhausting. But sticking to a DCA routine will help you in the long run.

mafia_kid21

The main reasoning behind going JEPI was for some stability, but I am seeing this is a poor idea. I am young with an excess of funds so I have re-assessed my ideas.

Decent_Bunch_5491

Is your goal growth or dividends? I ask bc of the JEPI mention In any case- put 10k in Bitcoin

monteasf

I think Buffet himself said that stock picking today is practically impossible unlike back in his day before interwebz. Back then, it was much harder to get data, so if you’re cool with reading financial reports all day everyday about different companies, you could get an advantage, but not today. So just split up the money and DCA into VOO and fuggedabout it. And if you’re gonna buy JEPI or anything that pays dividends, do it in a ROTH account. You don’t want to collect dividends, and have to pay taxes on it before reinvesting (I’m assuming you’re not actually spending the dividend?) But really, there’s no point in collecting dividends now. Wait until you’re like 55, then start moving into dividend stocks.

noplanman_srslynone

I personally moved money in to IGOV that I had floating around. A) I don't think the sell off is over and September 1st i think I'll reevaluate. B) I think they will try to weaken the dollar more IGOV gets a boost there. You can literally put it anywhere JEPI, VOO, BRK.B, JEPQ at 28, not look at it for 40 years and be happy. Good luck.

therealjerseytom

> 30k worth of JEPI Why? > 20k mcdonalds/google/ect Why? "McDonalds, Google, etc." like what does that even mean? What strategy is that? Just random big companies?

Lingweenie2

Consider VOO or any other low cost S&P equivalent. Maybe VTI or VT at the least. JEPI and other similar ETF’s are uninspiring if you ask me. Maybe a Nasdaq/QQQ fund that’s low cost. Or BGT/SCHG if you want to be more aggressive. Or SCHD if you want to be a bit more passive. Honestly I’d be more aggressive but also be mindful in covering your ‘blind side.’

ThinkingOfTheOldDays

I've been allocating to JEPI / JEPQ for longer term stuff. options aren't going away.

yrrag1970

That’s a really interesting question as a 55 year old. Ive been thinking about the end game. Today I was extremely fortunate that my net worth ended up being 1/4real-estate 1/2 cash 1/4 investment So when the market crashed at “liberation” day I was sitting pretty and started buying both ETFs and stocks. I’m going to end up selling my stocks when they are up 50%, whenever that might be. The ETFs I’m going to hold on to till I retire and then will end up moving them to SCHD/JEPI. My plan is to live off dividends from the two mentioned above + SS. The short answer is not a target price but a % increase !!!

cwsReddy

If a version of JEPI or JEPQ exist, that's even better. Actually dealing with the slog of manually rolling CCs and hoping you don't get blown up with huge upside moves is so much shittier than letting someone else do it. And if OP is young, doing any of this is dumb vs just investing the money in a growth fund.

Ok-Dust76

Full port JEPI and JEPQ was always the play

Tronn3000

I agree with a lot of this. I think their strategy is way too rigid and conservative for my preferred investment strategy. I also don't like how stubbornly simplistic their mindset is and how any other strategy that loosely follows theirs is vastly inferior. I'm in my early 30s and only do one part of their "3 fund portfolio." I don't do bonds because I'm not over the age of 60, which are the only people that should have bonds. I don't do much foreign index funds at the level they promote because I'm of the belief that world is so global now, that the S&P500 is pretty much a global index at this point and it's outperformed many foreign indexes (obviously this president is trying to change that be we shall see). This may have made sense pre internet days but it's irrelevant now. In my Roth, I'm pretty much just split between VOO, SCHD, and QQQ and chill but my plan is to fully transition that into income and throw it into a fund like JEPI once I hit the withdrawal age. I'll never sell any principal because all the income will be tax free and I want to treat it like a higher salary social security payment. This goes entirely against the Bogleheads advice since they fucking hate dividends but I do agree with them that dividends in non tax advantaged accounts are bad since you're effectively taxing a portion of your return that could otherwise be compounded. The one thing I heavily agree with is only having index funds if you don't know what you're doing, which is most retail investors. Most people don't beat the S&P500, so why not just do that? I have friends that spend a bunch of time researching and investing in all the latest and sexiest fintech, crispr, EV, and niche tech companies without even touching an index fund and their returns don't match the S&P. There's always some company in their portfolio that's just absolute dog shit and tanks it and a lot of those other companies never turn into anything. Index funds are great for retail investors and I think that's what the Bogleheads strategy is trying to target. They give a systematic and simplistic investment approach that any well disciplined salaried worker that wants financial independence someday can achieve. Their strategy may not beat the market but it will give a middle class salaried worker freedom when they are old.

ms-roundhill

Buy into high income ETFs like XDTE, YMAX, SPYI, JEPI etc and then use a portion of your distributions to buy into your 3 fund portfolio of VOO, SCHD, and SCHG. Make sure that your $130k is in a high yield savings account until you finish DCAing

Fa-ern-height451

Have some of you forgot the mkt drop from 11/1/2020 to 9/26/22. Dow was at 36,327 (C) on 11/1/2020 and dropped to 28,725 (C) by 9/26/22? Gas prices went from under $2 up to $4 give or take depending where you lived from early 2020 to end of 2022. Same for heating oil. The energy factor hurt most sectors due to shipping costs, etc. And then inflation whacked us down further. Where was the outrage then? I'm just saying, we got through those tough mkt times and we'll get through this one. There are some buying opportunities here. There are stocks that I can now consider to add to my portfolio like Costco, Waste Mgt., Palo Alto, and some others. I've been through the 1987 Black Monday and people considered that to be the modern day 1929 crash. We got through that event. This current mkt was predicted to correct prior to 2025 as it shot up like a rocket. How long can we expect it to have not gone into correction mode no matter what the reason was? yes, this is because of a global reset caused by the current admin's policies on tariffs but we also had a reset because of the Covid shut down which the cost was approx. 90% of GDP. After we recovered from it, the mkt took off. Look for opportunities, don't panic, stop blaming this person, that person and be strategic with your planning. My weekend research will be JEPI and JEPQ - monthly dvds, decent yield and more stability. Up in the air about buying SOXX, down 50%. Mulling over the statistic that 85% of time, tech stocks rebound which will affect my decision to avg down on some semi's. Good luck everyone.

MakingMoneyIsMe

>market sentiment being willing to run on any good news I saw this as a sign earlier this week after Monday's "fake" announcement of a 90-day tariff pause. I realized that even though the news was deemed a rumor, the market continued to go back and forth from positive to negative. I bought a couple hundred shares of JEPI this morning and was leaning towards buying calls on SPY, but I was already overextended.

John92805

You can think of your portfolio in terms of three main goals: 1. Growth – VOO, QQQM 2. Income – SCHD, JEPI, O Assuming you have $25,000 to invest each month, here’s one way to allocate it: VOO – 35% QQQM – 20% SCHD – 20% JEPI – 15% O – 10% Portfolio Breakdown: Growth-focused (VOO + QQQM = 55%) This portion is designed to build your wealth and grow your capital over time—the earlier you start, the better. Income-focused (SCHD + JEPI + O = 45%) This part of the portfolio is aimed at creating future cash flow through reliable dividend income.

Legitimate_Agency662

Why would you say skip the SCHD/JEPI? Seems to be pretty consistent payout even during market downturns?

jpcarsmedia

I'm 34, single with similar income. Similar positions in my portfolio. It would skip SCHD and JEPI unless you have over 1 million net worth. Focus more on QQQM and less on VOO. Pick a few growth stocks too. I've played with income earning ETFs and they don't get anywhere unless you dump a large lump sum into them which is pretty damn risky right now. Need the growth to happen first, then you can switch over. 

tonycarlo16

Don't touch options just buy diversified ETFs like VOO, or cash flow monthly like JEPQ JEPI etc....

Low-Environment4209

Just saying JEPI is looking pretty tasty with all this spare cash in my roth… 52 cents off its original price

DiamondMan07

Some say cash. I say JEPI, JEPQ, SPHD, SCHD. Get those monthly dividend payments

miler4salem

So I never bought or sold a stock until March 2021 when GameStop was raging and news got around to me. I started trading my 401k actively and took it out of my employers premade funds. I also tried options at first and lost a couple thousand quickly. These days I rarely will try a contract or two but I'm trading the 401k regularly. I'm beating the S&P for 4 years now. It doesn't seem all that hard really. I am a self described nerd though and definitely have ADHD so I've been researching and reading about macro economics like a monk. It is in fact hard to pick the right stocks. I have picked some losers but hit it huuuge on some. I probably would do better if I just bought ETFs and traded macro. I got lucky in 2022 and made it out about -6% that year. Last year I started selling and getting short term bonds. Later last year I started buying inverse funds, and then leveraged ones. I was down bad on them but my largest position was up 40% Friday. I've sold well over half of my shorts now and am buying JEPI and JEPQ. we might not bottom soon but I'm beating S&P nicely and am willing to start drifting with the market. Last year I just thought we had 2 years over 22% or so gains and that just doesn't continue so I was fine underperforming if I was wrong. The gains were ridiculous at that point. Then it ran another 15% so meh.

miler4salem

I've only been actively trading my IRA since 2021 and have found that I can be prepared somewhat for tops and bottoms. I got lucky I think in 2022 and ended up down only about 6% on that year. Late last year we had over something like 22% gains for 2 years straight? That just doesn't continue regardless of what happens. I started going into short term bonds in August slowly and then started inverse ETFs after that. Now I'm down to a small inverse position and am only buying JEPI. After a steep drop like this it doesn't V right back up.

miler4salem

I was DCAing into inverse ETFs and some leveraged since about August. I got up to about 15% of the port inverse by new years and another 30% short term bonds. I've sold over half my shorts now and I'm only buying JEPI and JEPQ. And a couple of small cap deep fundamental plays. I'm beating S&P by about 14% YTD so I'm fine with the high dividend JEPI

EngineerDirector

$250k into $JEPI and get $2,200 a month for life.

Jolly_Conflict999

Yeah it's easy to think that given all the emotional short sighted fear mongering on Reddit. If I had that kind of dough I'd anchor a portion to SGOV for a steady 4% and the rest in covered call funds like SPYI, TSPY, JEPI, GPIX that have a bit of upside potential and others possibly such as HIPS that pay 10% and is a combination of BDCs, REITs, CLOs, and other investment vehicles for diversification. The SGOV will lower volatility and everything will pay a steady income to hedge the downside. I'd consider SCHD as well, and my personal rule is to buy a few puts on the indexes about 10% OTM every month to "insure" my portfolio. It was up 400% percent today cutting my paper losses in half, and still has another week to go. So I'm ready for anything Monday. I'll roll it further out if it goes ITM and keep making money on the way down. I'm an income investor and this is how I personally do it. Working great so far.

Angry-for-no-reasons

SCHD, JEPI, down 10% last month VVR down more than 15% last month. Not ideal

Desperate_Kale_2055

I’m going to buy the JEPI div close to the end of each month and then sell. Got plenty of losses now to bet against any gains…lol