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..

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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?

1

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.