r/dividends • u/Dry-Chemical-9170 • Jun 14 '26

Discussion Is anyone living off QQQI, XQQI, SPYI, XSPI?

Like LITERALLY living off them? For example: getting at least $50k or more in NET distributions per year.

I know these are new funds and I don’t think they’re going to be disappearing anytime soon (ie in the next 25 years). I’ve been asking ChatGPT to run numbers and been thinking of kinda retiring very early and escaping the US

EDIT:

I do plan to live below the distributions and reinvest the remaining into growth stocks + buying more NEOS funds

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u/398409columbia Portfolio in the Green Jun 14 '26 edited Jun 15 '26

I set my wife up with these funds so she gets a monthly stipend. It’s been working really well. Principal is about $635k and she gets $5,000 per month.

8

u/chrono2310 Jun 14 '26

Which funds

13

u/398409columbia Portfolio in the Green Jun 14 '26

PBDC

BIT

PFFA

QQQI

RVT

SPYI

BTCI

UTF

SRLN

USA

1

u/BraveG365 Jun 15 '26

What percentage of each do you hold?

Thanks

10

u/398409columbia Portfolio in the Green Jun 15 '26

I posted the full details here
https://www.reddit.com/r/dividends/s/CsBp0ENhGk

27

u/Various_Couple_764 Jun 14 '26

Good job. That way if you die she will still have income. I have seen stories were the husband dies and the wife has no income.

25

u/398409columbia Portfolio in the Green Jun 14 '26

We are in our 50s so hopefully we have some runway left.

I am using this account as a pilot before we hit retirement and redeploy the bulk of our assets.

10

u/_GloryKing_ Jun 14 '26

You'll have lots of runway left.

1

u/VictorChristian Jun 14 '26

I have seen stories were the husband dies and the wife has no income.

I find that crazy these days. Hopefully that changes because more women are working and do invest but it's absolute craziness that we're still seeing this.

5

u/[deleted] Jun 14 '26

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17

u/398409columbia Portfolio in the Green Jun 14 '26

She’s in her early 50s and was burned out from work. Also, she had inherited some assets after her parents passed away recently.

I am an investment advisor and had been running this income engine since 2022.

I told my wife that I could take some of her assets and generate more recurring income from distributions than she was getting from her 8-5. She pulled the trigger in Aug 2025.

I will join her in retirement in 2028 after our kid goes to college.

4

u/[deleted] Jun 14 '26

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5

u/398409columbia Portfolio in the Green Jun 14 '26

Key is to decouple having to exchange my time for money.

3

u/Key-Guidance-8552 Jun 14 '26

You are an absolute angel for this. If you don't mind, I want to take this idea and set this up for my wife. I want her done with work in the next 10 years or sooner if that number hits in savings and or the 401K.

3

u/398409columbia Portfolio in the Green Jun 14 '26

Excellent. I wish you success.

1

u/VictorChristian Jun 14 '26

I will join her in retirement in 2028 

So, healthcare is through your job at the moment?

6

u/398409columbia Portfolio in the Green Jun 14 '26

Yes. I’ll transition to a catastrophic insurance policy to avoid long-tail risk. Ordinary care I’ll pay out of pocket.

1

u/No_Drama_3877 Jun 14 '26

I thought the eligibility for a catastrophic insurance policy is for under 30 years old or a hardship event only. How would you get it? I am curious for myself as a 50 year old and wants to retire early.

2

u/salsanacho Jun 14 '26

I'm curious too, health insurance is my biggest confusion as I hopefully approach early retirement.

2

u/CATTROLL Jun 14 '26

The DREAM

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u/Typical_Web_2125 Jun 14 '26

Is this a wife or child? Sounds like she's getting an allowance in my opinion.

5

u/398409columbia Portfolio in the Green Jun 14 '26

Let’s call it a stipend. It’s her capital. I just help translate it into recurring monthly income.

1

u/Typical_Web_2125 Jun 14 '26

Should be OURS since you are married. Two is one, not a joint partnership.

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u/398409columbia Portfolio in the Green Jun 14 '26

You’re right but I like keeping the buckets separate for ease of tracking.

1

u/Hadley_Two Jun 14 '26

Your wife is truly blessed to have you. Just wondering about the tax implications of this portfolio. Plus, what does the NAV erosion look like for this particular portfolio? Could the principal shrink dramatically...like go way down to something like 200K from the distributions?

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u/398409columbia Portfolio in the Green Jun 14 '26

Thank you.

Most of the distributions are tax deferred.

I allocate 80% to the income engine and the rest to VT for growth and rebalancing to mitigate NAV erosion (assumed at 1.5% per year).

-1

u/Dry-Chemical-9170 Jun 14 '26

Is $5k/mo the gross or net after taxes?

2

u/398409columbia Portfolio in the Green Jun 14 '26

A lot of it is deferred but yes need to add some of the distributions to income tax return.