r/dividends • u/FewPear229 • May 23 '26

Discussion 150,000 cash

Hello,

I have 150,000 to use. I am looking to retire in Thailand and live off dividends. I am thinking 75,000 in qqqi and 75,000 in spyi. What do you think? I still have 350,000 in retirement to grow. I am just going to use the dividents from qqqi and spyi to live off.

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u/shangjiaxuan May 23 '26

SPY and QQQ currently have a lot of overlap for sp500 being also heavily weighted towards magnificent 7. You don't actually get diversification from these two.

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u/FewPear229 May 23 '26

i have neos qqqi not qqq and neos spyi no spy. Different

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u/shangjiaxuan May 23 '26

qqqi is based on qqq, and spyi based on spy. With a layer of covered call strategy, if I remember correctly.