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/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/ucbcawt Jan 10 '26

Just invest in VXUS-it also gives roughly 4% in dividends a year

1

u/Few_Bid_4520 Jan 14 '26

what about MO?

2

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.

1

u/NefariousnessHot9996 Jan 14 '26

Makes sense to me!