PFFR
ETFis Series Trust I - InfraCap REIT Preferred ETF
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SGOV has a yield of 3.8% currently inflation if 4.2%. Meaning Anyong holding cash right now is loosing money due to inflation at a rate of 0.4% per year. The goal of many investors is to have a rate of return about double the long term average rate of inflation. That means you need a savings account that pays about 6% interest. I doubt you can find a bank willing to pay 6%. but dividend funds like UTG 6.4%, UTF 7%, PFFR 8%, CLOZ 8% EMO 9%, PBDC 9%, ARDC 9%. Wutg these funds you basically grow you money at about twice the longe term average rate of inflation, and all of these funds have less volatility
Real estate involves a lot of expenses, mortgage, taxes, repairs. There is a way to generate income from market investments that doesn't involve selling stock or the expenses of real estate. Most investors today focus on share price growth in there investment accounts. There are stock and Fund that pay Dividneds. Dividends are cash profit sharing cash payments directly in your brokerage account. Now many growth index funds pay a dividend of about 1%. A dividend investor targets higher yields Typically 1% to 10%. Instead of investing in individual stocks you invest in dividend ETF. I am retired and living off of dividend income of 5k a month. I am not selling stock for this income. Since you want the money now and not in retirement you need other use a taxable account. And since dividends generate taxable income we need to invest in things that are taxed at a lower rate. Some good funds to use are QQQI 13% yield, SPYI 11%, IAUI 11% EMO 9% UTF 7%, UTG 6.4%. 100K invested in fund with a yield of 10% will produce 10K a year of income. And all of these make monthly payments. The three funds with the highest yied will be taxed at close to 0% for 7 years for QQQI and sPYI and IAUI are zero for 9 years. The other two will generate tax every year but at a very low rate. Generally you want to avoid using one fund for all of your income. Simply because if one fund develops issues you will still have others generating income. Now I also hive dividned funds in my Roth because they they are taxed at the work income tax rate. Putting dividends in a roth is a great way to to avoid taxes in retirment. My roth has all of the above funds listd plus AARDC 9%, PBDC 9%, CLOZ 8%, PFFR 8%, and JAAA 5.5% and FAGIX 5%. The dividend funds in my roth are generating 5k a month right now.whichis all reinvested right now.
If you invest in yield of 10% your money will double according to the rules of 72 /10 =7.2years. If we reduce the yield to 7% the money will double in about 10 year. You can use funds like EMO 9%, PBDCV 9%, ARDC 9%, CLOZ 8% PFFR 8%, UTF 7%, UTG 6.4% QQQI 13%, and SPYI 11%. 2 of these funds are over 20years old. 2 are about 15years. old and are CDF funds. ETF are relatively new. and the reminder are much younger but but the assets they invest in aaremuch more oldeirand pay a dividend consistently.
Sell FEPI it has serious NAV erosion issues. NAV erosion causes the star price to drop and prevent share price grwoth. As the star price drops you loose your initialinvestment. Also the dividned payout drops with the share price drop. Eventually you loosely of your initali nvesmtne and your dividned income but the NAV erosion keeps the calculated yield high. And CHPY is also at high risk for NAV erosion. The only reason why CHPY does currently have NAV version is due the AI crating a lot of chip demand. Once the AI bubble pops CHPY will have NAV erosion. on The other problem you have is you are overly reliant on covered calls funds. You could sell MLPI and instead invest in EMO with a yeild of 9%, you could also add PBDC 9%, ARDC 9%, CLOZ 8%, PFFR 8%, UTF 7%, UTG 6.4%, JAAA 5.5%, FAGIX 5%. substantial yields without covered calls. And since it is in a IRA no taxes on the income.
> Preferred stock dividend ETF Can I ask you which one you like? looking through them, they all look kinda the same. PFFA PFF PFXF SPFF PREF PFFR etc.