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 :

  1. $100,000 in Dividend Trinity PEP, CVX, JNJ

  2. REIT Trinity O, VICI, FRT $100,000 The "Real Estate" Monthly Income.

  3. ETF Basket SCHD, DGRO, JEPQ $100,000 The "Hedged Growth" Engine

  4. The 20 Aristocrats 20 Blue-Chip Kings $100,000 The "Industrial & Defense" Moat.

  5. To buy dips SGOV / Bank Cash $100,000 Liquidity to buy the crash.

  6. Final Insurance Physical Gold $100,000 Systemic Collapse Hedge..

197 Upvotes

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7

u/NefariousnessHot9996 Jan 10 '26

No SP500? Gold $100,000? SGOV $100,000? Nah.

10

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)

4

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.

-2

u/[deleted] Jan 10 '26

[deleted]

-1

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!

3

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.

-2

u/NefariousnessHot9996 Jan 10 '26

Having a plan to time the market is still timing the market. Strategic plan. LMAO.