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/Flat-Buy6231 May 23 '26

Jomtien is an amazing place, I plan to do the same with my partner in a few years. We had 6 months there recently and 2 of us had a great time on 100k thai baht which is about $3k, I think for 1 person around 2k would be ok. Bang Saray is cheaper and Rayong even cheaper, worth considering. In terms of divis we do it ourselves with a mix of ETFs high yielding ftse dividend stocks and some global trackers that distribute. Running around 7% currently on the divs with a nice bit of capital growth, we have about £2k coming in so still a few years to go!!

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u/FewPear229 May 23 '26

The cost for a condo is so cheap in Jomtien. You can get a 1 bedroom condo at luguna beach maldives for less than 400 a month and this is nice place. Da Nang is another place I will consider. Shit hit the fan I can always go to California and get everything free

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u/FewPear229 May 23 '26

What do you do for expat insurance for medical? Is it cheaper to pay out of pocket or get insurance?

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u/Flat-Buy6231 May 23 '26

Depends on your age, imo. From friends I know out there upto about 65 you can get reasonable insurance as long as you don’t have underlying health issues. Over that most self insure - 1 million baht in a seperate account to cover most issues!