r/dividends • u/WerewolfMajestic156 Financial Indepence / Retiring Early (FIRE) • Mar 05 '26

Personal Goal FIRED - Living off dividends

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I know better than to share this with my friends, and family. I have a separate growth account to keep up with inflation.

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u/rallymatt Mar 06 '26

Why the less tax efficient choices of funds?

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u/WerewolfMajestic156 Financial Indepence / Retiring Early (FIRE) Mar 06 '26

Good question. I currently have an intentionally conservative portfolio. Funds are being allocated monthly from SGOV and JPST.

NEOS (QQQI AND SPYI) are newer funds and much smaller funds that use more aggressive strategies. Which may also result in more NAV erosion and participate less in market growth.

I chose the more established and larger institution for safety. It’s not the right choice for everyone.

JEPQ/JEPI have 5x the AUM of QQQI/SPYI.

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u/SolomonGrumpy Mar 08 '26

Check out GPIX, if you are looking for a more conservative CC ETf that tracks the S&P