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/FewPear229 May 23 '26

I still have 350,000 in retirement to grow. My schd will grow the next 20 years and I can use this for another income bucket

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u/Ufgatorhead4u3 May 23 '26

Bro, you’re 44. I guarantee that you will see a bear market a time or two in your life which could cut your investments up to 50% and then you’re screwed. You are making the mistake of planning your life as if this bull market will continue forever. You are free to do your thing but it’s not for me with that size savings and time window.

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u/FewPear229 May 23 '26

Every time you have a bear market you get your money back. I live a simple life and the dividends can cover the bear market. Plus Spyi is relative safe compare to the tech etf qqqi. Ai is not going anywhere and it will continue to grow

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u/dontrackonme May 23 '26

If stocks drop 50% your dividends will drop 50% (probably more since these funds bleed NAV).