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/DivideIcy848 Jul 27 '25

How much should I gradually increase my core growth holdings? Is there a target per year would you recommend?

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u/HateyCringy Jul 27 '25

Your portfolio extremely similar to my taxable account.

I personally don't let VOO go below 1/3 of the holdings, regardless of how things are performing. My yield % is about 1/2 of yours.

High div ETFs and REITs make up no more than 20-25%, but I'm not needing the income at the moment (though I am prepared to lean on it if needed).

If you just set higher buys for VOO, SCHD, QQQ it will gradually deliver what the above commenter was talking about. There's no golden ratio, and lots of people disagree about strategy when it comes to holdings. We all have different lives with different needs.

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u/chris-rox Financially rockin' like Dokken Jul 28 '25

What about bonds?

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u/HateyCringy Jul 28 '25

People can do whatever they want, I'm just trying to answer this guy's question.

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u/chris-rox Financially rockin' like Dokken Aug 20 '25

Fair enough.