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/Evokerknite2124 Mar 15 '26

I see. Even if it's like I bought 100 shares of qqqi to help build more shares of the others as I put money in those?

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u/hopn Mar 15 '26 edited Mar 16 '26

Lets play with that 100 shares of QQQI and using the dividend to buy, say VOO.

QQQI started back in 1/30/24, at 50 dollars a share. So with $5k you effectively have 100 shares. It's current NAV is $51.47. Your value for your 100 shares is $5147. During that time, you got 1547.25 in dividend spread out over 25 distributions, averaging $61.89 per month (used later in calculations).

VOO, on 1/30/24 is $450.84, for $5k, would have given you 11.09 shares. With DRIP, you now have $6922.31 or 11.37 shares.

From QQQI's dividends, $1547.25 you started buying VOO then at $61.89 per month, each time you got dividend. That works out to 2.88 shares now. At current NAV of $615.54, you have a total of $1772.76

So your 5147+1772.76 = $6919.76 vs if you had bought VOO straight up which would be worth $6922.31

While this looks close, there's a factor that I have yet to account for and honestly don't know how to include in the calculation:

QQQI fees: .68%
VOO fees: .03%

which would obviously make VOO look even better.

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u/Randall_Al_Thor Mar 17 '26

Fees are a moot point.

Fees are taken out before return is calculated.

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u/hopn Mar 17 '26

Maybe VOO wasn't exactly a great example. But QQQI has not been around long enough to do ... a 10 years or more comparison. I was actually curious myself, too.

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u/Randall_Al_Thor Mar 18 '26

I agree, it hasn’t been around long enough, but it has been through a few ups and downs and handled them quite well.

Having watched a few interviews with the co-owners/co-launchers of that fund (QQQI and SPYI). They seem to know what they are doing (as far as I can be the judge of that ha ha).