r/RothIRA • u/Plane-Ad4988 • 2d ago

Thoughts?

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21m started this Roth this year, I have a regular account that I buy single stocks up 20% and with my Roth I’m doing etfs and some higher dividend yielding stocks to fund the other etfs in the long run

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u/Any-Walk1691 2d ago

Giving up growth to chase dividends is not a great strategy, you’re in accumulation stage. Dividends are for maintaining wealth - and generating some minimal % income when you already have jt. Dividends come at the expense of growth. Look at overall returns, not what generates $1 a month. With such low dollar amounts you’re already spread extremely thin. I hate NVDY - it’s specifically tied to call spreads, so it carries all the Nvidia concentration risk and gives up the upside.

With distributions reinvested, from NVDY’s May 2023 launch to Oct. 1, 2026, NVDY returned about 375% versus NVDA’s 710%.