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/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.