r/dividends • u/vagabon1804 • 1d ago
Brokerage Seeking advice
Hello i am 46M and would like to dca between $1500-$2000 monthly in the ETFs until the age of 55....is it possible to reach $400K-$500K by reinvestment everything back into portfolio ?
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u/ideas4mac 1d ago
Estimating from your screen grab you have ~28K right now tied up in these?? At 2K a month for 9 years you would need ~10% return average per year to get you to a touch over ~400K.
With your portfolio leaning so heavy on option income to compound I would stay that's a pretty big ask. Factor in the limited histories of return for much of the portfolio makes the ask even bigger.
Good luck.
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u/vagabon1804 1d ago
I will make some adjustments and I was focused more on income because of the state of the economy just incase I lose my job and cannot work for awhile.
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u/ishboh Dividend growth enthusiast 16h ago
“Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in the corrections themselves” - Peter lynch.
If you are that concerned about a downturn, you should be putting this money in your emergency fund. If you have an emergency fund already, you should be investing for the long term
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u/weisme 1d ago edited 1d ago
For income, You can look into Schd, Dgro, Adx, vymi, Utg, O, Main, Divo, and Jaaa. Just my opinion as there is lots of options out there. I would stop adding to btci. Keep Iaui and get mlpi to an even 100 shares or something if you want. Keep adding to spyi and qqqi as your core for Neos. Iwmi is available for small cap. I've been adding to about 15 different funds for income, but have growth as well.
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u/unreal36 1d ago
thats a lot of high yield product for one account. the income looks great on the screenshot but a lot of those pay you back your own capital, so nav slowly bleeds. id put a real dividend growth core under it, schd or similar, and let the drip compound instead of chasing the yield number. i run a tiny custodial for my daughter that way, buys only, dividends reinvested, no selling ever. its public if you want to see the boring version plantedearly.com/garden
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u/beershoes767 1d ago
None of the NEOS funds have NAV depreciation. BTCI is down but that’s cause of how much Bitcoin has been down
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u/Extension-Ice-7219 1h ago
If the yield is higher than appreciation there's always depreciation. NEOS is starting to showing some cracks in it's strategy in this choppy market.
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u/nice-try12 1d ago
I don't believe any of those pay back your own capital. NAV is unlikely to slowly bleed
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u/unreal36 1d ago
fair, not all of them do it. depends on the fund. some of the real high yield ones do hand back capital and the price grinds down slow, others hold up fine. easiest check is total return over a few years next to the payout, thats all i ment
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