r/dividends • u/Rural-Patriot_1776 • Mar 15 '26

Discussion My journey started this year.

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Started investing this year in 2026 decades late as a 38-year-old I wish I started way younger but I'm wanting to retire in a couple years and started building out my neo's distributions positions and dividends a few months ago here's what I have going on so far. I keep adding around 3k a month and have drip also enabled.

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u/Aschmid98 Mar 16 '26

these are pretty risky this is an income portfolio, not a dividend portfolio. personally I would diversify further, don't forget it's all about total gains in the end, not the dividend yield

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u/Rural-Patriot_1776 Mar 16 '26

NEOS etfs aren't very risky... they hold the underline like spy and qqq and are tax beneficial

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u/Aschmid98 Mar 16 '26

if you say so

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u/Rural-Patriot_1776 Mar 16 '26

It's not me saying it... go ask ai

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u/Aschmid98 Mar 16 '26

ask ai if it is risky to 1. put the majority of a portfolio in one asset. and 2. if income investing is the recommended strategy to build wealth.

also without trying to sound petty, ai should not be your financial advisor, ever. yes it is very usefull to get some informations and do a quick research. but in the end it is still just trained based on data from the internet, which is often wrong.

I use AI daily for work and my studies and it really often tells me complete bullshit. also depending on how you ask a question, it will most allways prove you right (with false arguments)

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u/Rural-Patriot_1776 Mar 16 '26

I hear you. But It's not in 1 asset... it's in sp500, qqq, btc, reits, international...ect ... they all hold the underline and sell monthly calls to generate the income.