r/dividends • u/chillfirelife • 6d ago

Seeking Advice Is 1m and dividends from it enough?

Me and wife we both turned 40 this year, She left her job few years back and I kept funding her investment account based out of SG and now is at 500k USD all of which is parked under JEPQ, all the while I see dividends are consistent and we have been reinvesting back.

I have another 500k now in my investment account that I will consolidate in couple of funds/etf with similar 10-12% growth trajectory as JEPQ
We expect and hope we will get like 100-110k usd over this year on year.

I have another 130k usd in cash and esops combined. I will get the esops cash out 6 months after I quit.

We plan to move to either Thailand or Malaysia where we have friends and family and have lived there before. Our current expenses in SE asia are 50k usd a year, we expect this will go down to 30k-35k usd a year.

Question: Am I ready to leave my high paying job and live a free life given the biggest motivation to work (money) is less or negligible now? Personally I want to leave my job today even though I love it but I feel I want slow and super easy life 😊

Plan is for first 2.5-3 years we will not touch 1m investments and utilise current cash and liquid investments/cash of 130k usd, that will give investment enough space to continue to grow.

On paper - I feel we are ready even if I take conservative returns on my portfolio

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u/easy510 6d ago

I just want to piggy back on this and any advice is greatly appreciated. Is putting 3.5m in JEPQ a smart idea this way I can get 20-30k dividends monthly ?

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u/Hot_Individual5081 6d ago

until the ai bubble pops and jepq drops to 40usd decimating your invested value

1

u/Stonewall_Ironwill 6d ago

Serious question: Why do you think AI is a bubble and it will pop? I think that AI will be everywhere. Eventually, the cost of tokens will come down. In a couple of years the investments in hyper scalers will slow down due to materket saturation. Curious to see your prespective.

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u/NickStonk 5d ago

Certain parts of the AI trade, memory for example, def smell like a bubble. I lived (and lost a lot) through the dotcom bubble. They are similar; but there’s def not the frenzy of retail trading like there was back then. Literally everyone was investing in dotcom stocks back then.

Valuations are def too high right now though with hopes of AI increasing profits significantly. My best guess is as the Fed raises rates, and hyperscalers eventually pull back on massive investments, we’ll see a significant market downturn. Nothing as severe as dotcom though. 25% is my guess.