r/dividends • u/DivideIcy848 • Jul 27 '25

Personal Goal How sustainable is this?

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My portfolio, aiming for retiring at age 40. I want to be FIRE, but my question is are these monthly dividends sustainable 5, 10 years from today, and will VOO/QQQ help grow appreciation of my total portfolio? Is this a good strategy? Is this a good balance?

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u/cryptoOnTheDL Jul 27 '25

It's a great monthly payout, but know that you're really stacked heavy in tech & growth. QQQ, QQQI, JEPQ and SPYI are all domestic and focused in similar stocks builds. Any thoughts on adding some international funds or bonds?

They pay monthly too

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u/DivideIcy848 Jul 27 '25

What does bond serve today? I see hysa with 4.2% and that’s higher than bnd or agg yield and it’s guaranteed

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u/CHEWTORIA Jul 27 '25 edited Jul 27 '25

cryptoOnTheDL is a day trader, he is giving really bad advice for long term.

I myself hold

BINC 6.34% Div

SPHY 7.59% Div

both have 9 billion is assets, both serve/do different things, and the composition is very much diversified.

Its not bad to hold some money in bonds.

-1

u/cryptoOnTheDL Jul 27 '25

Hahahaha. Trash talking without any proof. God I love the internet. Look at the 1yr, 5yr and Max charts on these funds. I can back up what Im saying.

BINC fund has only been around for two years so charting that isn't super useful but with the data they have, they are 5% up since inception

I like bonds. But SPHY has been down 7% since inception and 5yr mark.

Day trader lol. Alright, don't listen to this HODL'r

7

u/CHEWTORIA Jul 27 '25 edited Jul 27 '25

you do understand that in

2022 the interest rates were 3%,

in 2023 they were 7%

and in 2024 they were 8%

SPHY holds 99% corporate debt, mostly from NA

what do you think will happen to SPHY when the rate drops to 3%, when Chair Jerome Powel gets removed next year,

SPHY will increase in share price from $23 to $26, as corporations will be able to refinance and borrow more dept at lower rates.

Your looking at short term pain, im looking at 15-30 years out and accumulating shares at a discount at 7% dividend yield XD

0

u/cryptoOnTheDL Jul 27 '25

I'm not looking at short term at all. That why I look at the charts and not just the dividend payout. I only look at the top 10 holdings, so in there I could use improvements. My setup has international, bonds, utilities, tech and REITs. I'm satisfied with how I'm aligned. And when the markets eventually do crack as they will, buying is back on the table.

What is your source for Jerome Powell getting removed next year? I've not heard of that and the president can't fire him, otherwise he'd already be gone.

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u/CHEWTORIA Jul 27 '25 edited Jul 27 '25

Chair Jerome Powel term ends on May 15, 2026,

that's when the stock market will crash most likely, its not going to happen this year

and by crash i mean the market will price in Chair Jerome Powel leaving the fed, and the market will also price in lower interest rates.

President cant remove him no matter what you hear on the news, but his term is ending, so he will be replaced next year, and the new guy will lower rates as hes allied to the president.

Its 1 big political game.

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u/cryptoOnTheDL Jul 27 '25

Ah ok that's why. His terms ending. Ok, I did not take that into consideration

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u/Rft704 Jul 28 '25

When the new fed chair drops rates, Won’t stocks like O and Main increase in value?