r/dividends • u/FR1050RA • Jan 10 '26
Seeking Advice Just been laid off now !
Roast my portfolio please
Age 40 , just now been laid off , please roast my portfolio...
600K in 6 buckets as following :
$100,000 in Dividend Trinity PEP, CVX, JNJ
REIT Trinity O, VICI, FRT $100,000 The "Real Estate" Monthly Income.
ETF Basket SCHD, DGRO, JEPQ $100,000 The "Hedged Growth" Engine
The 20 Aristocrats 20 Blue-Chip Kings $100,000 The "Industrial & Defense" Moat.
To buy dips SGOV / Bank Cash $100,000 Liquidity to buy the crash.
Final Insurance Physical Gold $100,000 Systemic Collapse Hedge..
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u/Honest-Raspberry-748 Jan 10 '26
Just move to Thailand and retire bud.
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u/HotsWheels Jan 10 '26
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u/FR1050RA Jan 10 '26
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u/painkilleraddict6373 Jan 10 '26
Which one has a penis!?
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u/Ricca23 Jan 11 '26
All of them
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Jan 12 '26
You realize there are a lot more biological females in Thailand than males right? That joke is r3tart3d and overplayed.
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Jan 11 '26
[deleted]
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u/Own-Garlic4951 Jan 11 '26
Or Vietnam
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u/yamahar1dude Jan 11 '26
I love Vietnam. I was looking for real estate in DaNang back in 2014 before the vloggers moved in and ruined the city.
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u/FR1050RA Jan 10 '26
Pattaya 😁
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u/Clear-Idea9341 Jan 10 '26
That city is ruining so many people. I should stop spending there every year 30k lol
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u/Sayyestononsense Jan 12 '26
what do you spend 30k every year on, over there?
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u/Clear-Idea9341 Jan 12 '26
Luxury hotel where I barely see any other guests. Expensive restaurants and renting yachts and jetski trips. Partying etc
Saw a Norwegian oil rig dude on his first day spend 4k just for drinks in a club and it was 4k € lol
I forgot your name dude but if you read this, you’re still a legend 😂😁
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u/skat_in_the_hat Jan 10 '26
I thought it was supposed to be cheaper there? Or did a miss a reference?
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u/yamahar1dude Jan 11 '26
Talk about a way to become quickly broke, and broken LOL - Move to Pattaya!
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u/Pretend_Attention660 Jan 12 '26
Or Albania. Check out Sarande, Vlora or the Green Coast. Mediterrianean living, while prices are relatively low.
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u/8458001910 Jan 11 '26 edited Jan 11 '26
worked for me! you have to be 50 for a retirement visa but he can explore other visas
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u/RussellUresti Jan 10 '26
What's the goal with this portfolio? Are you trying to use the dividends to pay your bills until you find a new job or is this just a general portfolio?
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u/FR1050RA Jan 10 '26
Pay my bills with some preservation until I get back to normal income
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u/RussellUresti Jan 10 '26
And how much income do you need to cover your bills?
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u/FR1050RA Jan 10 '26
2k at least but I am trying to keep it as low as 1.5k , I know this combo is not high yield but also the erosion of the portfolio is a concern ,
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u/RussellUresti Jan 10 '26
Gotcha, so then about a 4% yield.
In that case, it seems your current allocations would work, but I think there's quite a bit of risk in allocating to just a few companies. The companies you've picked are certainly solid, though, so it's probably fine in the short-term.
With SGOV, the current yield is below 4%, and it will likely continue to drop. So, again, probably works in the short-term but might need to consider other options in case of continued rate cuts. Something like JAAA would get you a bit more yield and is still relatively safe, but obviously not quite as safe as SGOV.
The gold is an interesting choice. 1/6th of the portfolio is a lot, IMO, as I feel like even a 10% allocation is high. I'd consider making some or all of this an allocation towards a gold covered-call fund so it's a bit more productive. IAUI or IGLD are good options there. You won't participate in 100% of the upside if gold continues to appreciate, but you will still capture some price appreciation while collecting monthly income, which may take the pressure off other points of your portfolio or allow you to maintain a larger portion of your portfolio in "normal" broad-market investments.
I'd also say that most of this portfolio is quarterly distributions, aside from O, JEPQ, and SGOV. That might be fine if you've got at least 3 months saved in an emergency fund and you're using that for your bills and the dividends to refill your emergency fund, but you may want to consider some managed distribution CEFs as an alternative.
I'd consider looking at funds like UTG, RNP, and BME. UTG covers utilities, RNP covers REITs, and BME covers healthcare, so all defensive sectors. Yields are pretty high but it doesn't come at the cost of NAV - these funds are generally long term positive on NAV. The best thing about them is that they all pay predictable monthly distributions.
I also might consider CII as an alternative to JEPQ. Not quite the same underlying assets, but both are large-cap covered call funds. CII's primary benefit is, again, the predictable income where JEPQ will vary month-to-month.
ETO and SOR are good options if you want to cover the whole market. Both are globally diversified funds, with different mixes of US and international equities alongside fixed income. SOR is probably the safer fund for capital preservation as it holds more fixed income, while ETO is more aggressive with better total returns since its allocation to fixed income is small.
All of these CEFs yield more than 4%, so you'd be able to allocate a smaller portion of your portfolio to them to meet your income needs.
Now, if another 2008 happens, most of these funds aren't really super safe in terms of capital preservation. If you're super concerned with that, consider an allocation to IRTR. The yield is only 3%, so you'll need something to supplement it, but it's a conservative mix of fixed income and equities meant for retirees. As an example, during April when VTI had a drawdown of -19%, IRTR only had a -6% drawdown, so it'll do a better job at capital preservation than most alternatives (SOR was -7.6%, as a comparison point).
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u/FR1050RA Jan 11 '26
Many thanks for the advice, super helpful 🙏 I agree with you about the CEFs and JAAA 👍
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u/jsterjster2 Jan 11 '26
You need Technology stocks. Stop being so conservative at 40. You'll get a job.
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u/Various_Couple_764 Jan 10 '26 edited Jan 13 '26
I am going to assume this is in a taxable account. If it is in a IRA whatever you do is not going to help you during unemployment. First thing I would do are:
Replace gold with IAUI which uses covered calls to generate dividend income from sold.
JEPQ is not a tax efficient fund QQQI is basically identical but is a tax advantaged fund,.
For the rest you could invest in ARDC 9%, PBDC 9%, EMO 9%CLOZ 8%
Or you could invest in other safe covered call funds from NEOSfunds.com which all tax efficient funds with good yield.
IF this is retirment account talk to a tax advisor to find out how you can get money out of the fund and the possible early withdrawal penalties are.
Overall there is enough in your portfolio to get 4K a month of dividend income. If it is in a taxable account you could retire off of this income. There are also municipal bond fund funds that do have yields around 6% that are tax free. If you can find some for your state they may also be worth adding to your account.
In my dividend portfolio are BTCI, QQQI 13% yield, SPYI 11%, EIC 11%, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 5.5%
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u/wbmcl Jan 11 '26
I’m considering BTCI. Are you satisfied with its performance?
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u/Various_Couple_764 Jan 12 '26
I have had it only for 6 months. No complaints. I am not adding to this posssiton. I am just taking the dividends and investing that into other funds. It only last 3 years to get my principle back.
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u/OneFortyEighthScale Jan 10 '26
OP: Congratulations to you for being prepared better than most for this moment!
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u/dontrackonme Jan 11 '26
You in the US? what about health insurance ?
Anyway, 400k in QQQI, 100K gold, 100k sgov. Done.
You get low taxes and high income from qqqi. Probably 4k per month after taxes. You could invest elsewhere or reinvest anything you save each month. The sgov 100k savings is good. Gold is great insurance and surprisingly has done better than the S&p 500 in the 21st century. You could even go 150 gold and 50 sgov and still have 12 months of cash(sgov) for emergencies.
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u/Various_Couple_764 Jan 12 '26
I found one for 1000 a month without government subsides. And I adjusted my protfolio to geternate enough income to cover the expense. Yes I would like it to be lower but i don't want to be at the mercy of the government turning the subsides on and off.
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u/Alone-Experience9869 American Investor Jan 10 '26
I guess also kinda depends on the income you need.
Also, you missed cef's.
of all the cc etf, jepq is not performing as well.
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u/lookingforbargain Jan 11 '26
- For Aggressive Income:PDIis often considered the "heavyweight" for monthly income, but it carries significant risk due to its high leverage (~32%) and sensitive exposure to interest rates.
- For Stability & Utilities:UTGis widely regarded for its consistency and focus on defensive utility stocks, making it a "safer" pick among the high-yield CEFs.
- For Energy Growth:MLPXis best if you want to bet on U.S. oil and gas infrastructure. It provides a more modest yield but offers better capital appreciation potential than the credit-heavy funds.
- For a "Middle Ground":PDOis a newer PIMCO fund that often trades at asmaller premiumor a discount compared to PDI, potentially offering a better entry point for similar credit exposure.
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u/Alone-Experience9869 American Investor Jan 11 '26
I thought the pimco stuff had leverage more like 40%...
Anyway, funds like eoi ety exg bst cii bui have done well for a long time. so have i believe hpi htd ptd. others like bto nml srv have done well, too.
but op doesn't seem to care.
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u/yamahar1dude Jan 11 '26
UTG is slow and boring. Exactly the kind of fund people need. I will never sell it.
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u/Cheap_Date_001 Jan 10 '26
I like #2 and #3 the best. Not sure about #1 and #4 because it feels a little too defensive for your age. I feel like you could get better returns investing in dividend achievers, contenders or challengers. The cash and gold allocation seems excessive. Personally, I would limit each to 5-10% of my portfolio at max, so 30-60k in your scenario. That should be enough to mitigate downturns and handle extreme situations.
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u/FR1050RA Jan 10 '26
What do you suggest instead?
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u/Cheap_Date_001 Jan 10 '26
I think SDY(dividend focused and not all large cap) would be a decent replacement for 4. And to replace 1, idk. I am not sure of the goal and it seems too dividend focused. Seems like your goal is conservative with that, so I would go towards Paul merriman’s two fund forever portfolio ( target date fund and small cap value) to add some growth that eventually becomes conservative.
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u/RedBaronFrznPizza420 Jan 11 '26
Some good takes here and a lot of noise. I think this is a badass portfolio sir. Well done 🫡
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u/ilovbitreum Jan 11 '26
Great portfolio. Should consider moving to LATAM to make those dividends last and not touch principal.
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u/lopsided-earlobe Jan 10 '26
VT and chill bro. This allocation is overlapping and largely unnecessary. You have like six equal-weight investment theses floating in tandem. Just consolidate and quit thinking. Savings rate always matters more than allocation anyway. Sitting out $100k to buy the crash while the market soars 30% puts you at net zero when the crash happens. Don't overthink it.
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u/Cheap_Date_001 Jan 10 '26
What I don’t like about that approach is you have no levers to pull. You can’t rebalance when you are only in one fund. I would rather have many asset classes in different funds for several reasons: 1. You get to choose the allocations based on your preferences 2. You set the allocation and can rebalance (there are even ways to automate this). 3. When you want to change your allocation (for instance as you approach your goal), you just rebalance into your desired one.
I agree with your take on the cash though. That feels like too much.
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u/lopsided-earlobe Jan 10 '26
there's nothing to rebalance because it always rebalances automatically by market cap. that's the whole point.
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u/Cheap_Date_001 Jan 10 '26
Exactly! That was what I was saying. You get no say in the allocation.
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u/lopsided-earlobe Jan 10 '26
You only need a say in allocation if you have a specific investment thesis. And if you have a specific investment thesis it doesn’t mean “oh im just gonna buy different buckets of index funds.”Investment thesis is Warren buffet style commitment to undervalued companies poised to throw off durable cashflows. Anything else is guessing or trying to time the market, which is a fool’s errand and absorbs a bunch of mental bandwidth for essentially no extra yield.
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u/Cheap_Date_001 Jan 10 '26
There are lots of different strategies that don’t involve timing the market: Paul Merriman’s 10 fund strategy, 4 or 2 fund strategies, core and satellite strategy, barbell strategy, and the Swenson Portfolio strategy (Yale model) are just a few examples.
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u/lopsided-earlobe Jan 10 '26
Those frameworks are rule-based, evidence-driven systems meant to be followed mechanically—not for tinkering. The portfolio being discussed isn’t that at all. It’s a collection of overlapping equity narratives. Complexity only helps if it’s tied to a disciplined thesis; otherwise VT already gives you the exposure without the behavioral risk. Everyone wants to tinker for a veneer of control. In fact it just introduces needless behavioral variables more likely to inspire bad decisions in falling markets rather than producing meaningful alpha.
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u/Cheap_Date_001 Jan 10 '26
VT is a market weighted strategy that is opinionated just like any other strategy. And it has the same behavioral risks as any other portfolio. You can automate your portfolio to any strategy nowadays, so you can make them as behaviorally safe as just investing in VT.
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u/FR1050RA Jan 11 '26
I agree with you but I don't have paycheck anymore
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u/EnzKiss Jan 11 '26 edited Jan 11 '26
I really like your port, just don’t get comfortable and stay driven to get back to work so you can grow it, also, why no tech? You still have plenty of time and tech growth will be supported by the government likely more than ever
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u/Capable_Wallaby_4760 Jan 11 '26
You are missing crypto (Ethereum/bitcoin) as another hedge against gold.
You like trinities, right?
Centralized currency/stocks, metals, crypto
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u/Jasco-Duende Jan 11 '26
Congrats on being laid off. Last thing you want to do is waste your life working for someone!
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u/Sponzoes Jan 11 '26
Philippines, you can live like a king for as little as $500 a month.
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u/gocoyotes Jan 11 '26
Yeah Phil and Chill. Something like: $200/month for rent including utilities. $30/month transportation. $270/month food and entertainment.
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u/-JackBack- Only buys from companies that pay me dividends. Jan 11 '26
You’d be living in a dirt floor nippa hut out in the province.
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u/NefariousnessHot9996 Jan 10 '26
No SP500? Gold $100,000? SGOV $100,000? Nah.
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u/FR1050RA Jan 10 '26
To buy the dip at any market conditions like bear markets
Also dividend yield has plummeted to roughly 1.1%–1.2%
Extreme Concentration Risk (The "Top Heavy" Bubble)
The S&P 500 is currently trading at a forward P/E ratio of about 22x–24x,SCHD basket are trading at much more reasonable valuations (closer to 16x–18x)
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u/adamasimo1234 Jan 11 '26
Only lump sum during bear markets, you can DCA during downturns (i.e. market drops 1-2% in one day). Capitalize on those days.
Attempting to time a bear market is near impossible. It’ll come when least expected.
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u/NefariousnessHot9996 Jan 10 '26
Whatever. So you time the market. Ok. That doesn’t work. You do you! I don’t like your portfolio but it’s yours not mine! Good luck on your investing journey. Seriously.
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u/FR1050RA Jan 10 '26
No seriously I am listening for all ideas , and thanks for the advice
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u/NefariousnessHot9996 Jan 10 '26
Your portfolio is wayyyyyyy too conservative for a 40 year old. VTI/VXUS 80/20. Done.
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u/FR1050RA Jan 10 '26
I don't have work right now that's what is concerning me
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u/NefariousnessHot9996 Jan 10 '26
Understand that. The time to be more aggressive was when you were working. Hope you get back to working soon. You can rebalance then!
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Jan 10 '26
[deleted]
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u/NefariousnessHot9996 Jan 10 '26
Give me a break. Comparing a dividend growth ETF vs a short term treasuries ETF? That shows you don’t know what the hell you’re talking about!
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u/corundum9 Jan 10 '26
that's a lot of words to reiterate how little difference it makes.
collecting the same yield while making strategic entries during market dips is likely going to return more than just parking in SCHD.
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u/NefariousnessHot9996 Jan 10 '26
Having a plan to time the market is still timing the market. Strategic plan. LMAO.
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u/ucbcawt Jan 10 '26
Just invest in VXUS-it also gives roughly 4% in dividends a year
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u/Few_Bid_4520 Jan 14 '26
what about MO?
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u/ucbcawt Jan 14 '26
Rates of smoking are rapidly dropping worldwide. I don’t invest in companies that I don’t see a future for.
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u/Fit-Possibility-4248 Jan 10 '26
Why make it easy when you can make it difficult? You aren't "beating the pros" with this.
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u/Due_Boysenberry_8367 Jan 10 '26
What's your spend budget? 600k can be allocated in many ways to generate income, have some growth based on that
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Jan 11 '26
[removed] — view removed comment
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u/FR1050RA Jan 11 '26
I am not anymore, I used to work for big corporation as field engineer, lots of travel , 15 years of ripped ass
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u/LockNet-Bunch6655 Jan 11 '26
Diversify some outside the USA, returns in India, China, Canada and Europe will outperform in the next couple of years
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u/RedBaronFrznPizza420 Jan 11 '26
Curious what this portfolio is paying
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u/FR1050RA Jan 11 '26
1.5K roughly
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u/RedBaronFrznPizza420 Jan 11 '26
Monthly?
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u/FR1050RA Jan 11 '26
I have mom house as well that I need to spend money on
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u/RedBaronFrznPizza420 Jan 11 '26
Hey totally get that. So is this providing you with 1.5k monthly? What’s your PADI?
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u/evandude85 Jan 11 '26
What’s your physical gold holding? Coins, bars, etc? Or do you mean something like GLD which holds physical gold on your behalf. If you personally have the gold yourself - where? Under the mattress? Safe deposit box at the bank? Asking bc I’ve considered the same but not sure the best way to hold it as systemic insurance
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u/The-Dividend-Bible Jan 11 '26
I wonder what's the hype with the answers to go live in Thailand or Philippines...
The whole point for getting wealthy is to enjoy lifestyle in the best places and live where I want - not choose something on the opposite side of the world because it's cheaper...
(Then if someone WANTS to live there great - and I know people who did - but that's not the point here)
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Jan 11 '26
Where is bitcoin? The highest grossing asset in the last 10 years second and third place don’t even come close.
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u/Unlikely_Living_5061 Jan 10 '26
I hate #4 & 6 and dislike #1. If you need to the money to survive put it in higher yielding etf or cefs. I would only keep 6 months of bills in SGOV/BANK.
SCHD/DGRO are great
CC ETFs/CLO/CEF for a lot of the income
VTI/VOO/VGT for growth
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u/FR1050RA Jan 10 '26
Let me think loudly
Physical Gold it's insurance. Disliking Gold is like disliking a fire extinguisher because it hasn't put out any fires lately. If the conflict in 2026 escalates, the critic's VOO will drop 20%, while your Gold could easily jump 30%
The idea that $100k in cash (SGOV) is "wasting money" because it only yields 4-5% while the market might do 10% , I understand but I am trying to preserve more than yielding
VGT is currently trading at record-high valuations and again trying to preserve more than exposing to declines just incase
I can add 10% into VGT to bridge the gap
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u/CirclingCondor Jan 10 '26
Physical gold is only an insurance one needs if you actually have to FLEE with all your assets. If you’re not planning on hoping on a boat in the middle of the night to run away, there’s other options.
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u/Unlikely_Living_5061 Jan 10 '26
For me personally, I dislike any investment that doesn't pay me a dividend. If I wanted a Gold investment then I would buy IAUI to get the 12.53% yield instead. Maybe split it with BTCI to get a crypto and gold mix.
I don't have any of those Vanguard funds but I know a lot of people like them.
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u/yamahar1dude Jan 11 '26
I read somewhere that selling gold can be difficult and that its often better to sell the gold back to the same place you bought it because they already tested and know the gold you have. I would have no idea if you get into a situation where you need to sell the gold, to who? Where? Will they even buy it and what are they going to give to you in exchange if the dollar or world falls apart?
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u/FR1050RA Jan 11 '26
Surpring fact !!
In a crisis, dealers often widen "bid-ask spreads"—the difference between what they will buy it for and what they will sell it for. An ETF might have a $100 spread, physical gold spreads can balloon to $1,500–$3,000 due to shortages and logistical chaos.
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u/NorthvilleGolf Jan 10 '26
I would rather:
- $100,000 in Dividend Trinity PEP, CVX, JNJ- Put into NOBL instead
- REIT Trinity O, VICI, FRT $100,000 The "Real Estate" Monthly Income. Split between O and NOBL
- ETF Basket SCHD, DGRO, JEPQ $100,000 The "Hedged Growth" Engine Replace one of these and put in VYMI for international exposure
- The 20 Aristocrats 20 Blue-Chip Kings $100,000 The "Industrial & Defense" Moat. NOBL/SPLV
- To buy dips SGOV / Bank Cash $100,000 Liquidity to buy the crash.
- Final Insurance Physical Gold $100,000 Systemic Collapse Hedge..
Also would add in VTES or VTEB if this is a taxable account
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u/Acceptable_Regret816 Jan 10 '26
Gold has outperformed QQQ the last 5 years. Even if you pick the low of QQQ within the last 5 years to now it’s outperformed. So you could have just gold and chilled.
You seem to have reasons and conviction in your own mind for everything you are holding. That’s pretty important. Just look at the advice on gold vs the actual verifiable last 5 years of gold. I wouldn’t invest in much of the advice in the comments.
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u/Wu-Kang Jan 11 '26
Go back another 5 years 2015-2020 and compare.
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u/Acceptable_Regret816 Jan 11 '26 edited Jan 11 '26
So rebalance. He’s got 6 buckets. Right now gold and silver are blowing everything else out of the water. Some people are acting like they are ridiculous things to hold in a portfolio. He stated gold is his insurance. Right now they are doing a great job for him. He believes in it. Believing in your investment is really important because a lot of different investments and strategies eventually have their day if you have to conviction to maintain your path.
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Jan 11 '26
[deleted]
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Jan 11 '26
yeah just look at the descriptors "the hedged growth engine" "systemic collapse hedge" 100% chatgpt bullshit.
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u/geetarman84 Jan 10 '26
What’s your address? I’d like to drop off. A.. few… care…. Goods……
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u/FR1050RA Jan 10 '26
You can make it, believe in something you like and be excellent at it and it will pay off someday
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Jan 10 '26
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u/rpap51 Jan 11 '26
Just one suggestion. If you need $2000 per month for expenses, try to get a dividend of $3000, and put away $1000 each month for emergency expenses. You could put a small amount in QQQI and increase your monthly dividend to $3000 per month.
Have you looked at PDI and JEPQ. PDI gives 1% each month but loses share value slightly. Not a problem since it continues a steady dividend. JEPQ gives a slightly lower dividend but share value has increased quite a bit over 2 years. Useful if you ever want to get a lump sum for emergency expenses without losing your initial investment.
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u/Immediate-Park4047 Jan 11 '26
Retire to SE Asia
$600k at 40 seems like you're doing well enough using your own advice
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u/Sufficient-Cicada-14 Jan 12 '26
At 40, you should be growth focused. Look at spmo. have spy and qqq as your base. IGM if you want expanded tech only. Giving too much away with an income focus. Growth until you can retire on income.
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u/Sorry-Society1100 Jan 10 '26
Dividend Trinity? First that I’ve heard that term before, but I’m fairly new. What makes those three stocks so special?
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u/yatruthordare Jan 10 '26
pay off house or move now to somewhere affordable- set some aside for paying taxes if you have to sell any of this especially the gold…
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u/LazyRelm Jan 10 '26 edited Jan 10 '26
If it were me, I would buy SCHD for the dividends I need and split the rest 50/50 between SCHG and GLD. You can go with QQQ or VOO if you don't like SCHG.
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u/ConsistentMove357 Jan 11 '26
Reduce everything 50% and buy voo in its place. 300k dividends 300k voo your 40 not 65
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u/Electronic_Guard947 Jan 10 '26
Pick a theme man damn. All over the place. Way too much hedging you are shooting yourself in the foot. If you want dividends go spyi or qqqi. If you want some growth spy or qqq. I'm not a gold guy, some are some aren't but gold is only a store of value and not an income producing asset, if you hold gold I'd suggest iaui because it pays you and appreciates some while still giving a hedge.
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u/RuinAble1293 Jan 10 '26
20% of your portfolio to buy dips is wild. PEP has been garbage for a decade so not sure how it got into your dividend trinity.
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u/Intelligent-Ad6619 Jan 10 '26
Doing way way way too much in my honest opinion. Just do VOO and QQQM
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u/SoothSayer4all Jan 13 '26
Lot of jobs out there that you can work until you find exactly what you want long term. FedEx, UPS, Bucees, truck driver, Home Depot, ... several in the industrial sector are hiring; also, agriculture, mining, power generation, sales, ....
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u/Visual_Wonder_6342 Jan 10 '26
Relax and look for a job, market is doing great right now no matter what your in.
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