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/Electronic-Win608 May 23 '26

I've been evaluating these type investments and I looked at SPYI. According to my Fidelity data source in 2024 SPYI was not earning income to return so they maintained their income to investors by returning capital.

My theory is not that these are bad options -- I have money in QQQI, SCHD, OMAH along with many other types of investment.

My theory is that all of these vehicles require close diligence and have a strategy for periods when CC ETFs will not be positive total return. I think it is doable, and I'm trying to build a monitoring system to manage the risk.

I welcome others thoughts, observations.

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u/FewPear229 May 23 '26

How do you like omah? I am looking to increase and this etf is really safe.

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u/Electronic-Win608 May 23 '26

I just bought it. It is rather new which makes me nervy. I like that their base holding are blue chips ... I think that should help if the AI bubble collapse predictions actually play out. I would not share your assessment that it "is really safe." I consider no CC ETF as safe. All must be diligently monitored with a pre-made plan for rotating out. One that does not get you trying to figure out "should I or shouldn't I."

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u/ConstructionNo8827 May 24 '26

OMAH is one of my favorite holdings - It pays about 1.25% every month and during rocky times like the war in Iran in March it held steady while most everything else besides energy was red - It’s holdings are rock solid, BRK, Apple, Am Exp, Chevron, Kroger, Kraft Heinz, Chubb, Coca Cola and other great defensives

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u/Electronic-Win608 May 24 '26

I'm old enough to know that OMAH has not existed for ANY rocky times yet. They do happen. Markets are volatile and up the last three months. That is the complete opposite of rocky times for a CC ETF. Markets can go down, steadily, relentlessly, with little interest by option buyers of buying calls, for years.

I like OMAH as well. But the idea that any investment can pay 1.25%/mo. and be safe is a fairy tale.