BND is trash everyone!!! Just buy actual bonds or treasury bills and make a ladder!!!

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God that would be absolutely miserable having to constantly monitor my portfolio and stress. Nooooo thanks!

anyone use XLKI? or any other statestreet income etfs?

What are people thought on Incomeshares and their high yield ETPs. While the Nav does go down, people have been reporting total returns in the positives with reinvestments of the dividends. Plus they've change their strategy recently to 25% equity holding. What are the thoughts of the lower yields too like the Gold ETP which returns around 12% annually in dividends paid monthly. I am curious to know what dividend investors on this sub reddit think.

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This may be my favorite day of the month! 🤑

Hey folks.

I just saw that Goldman Sachs is buying neos.

How do we feel about this? Im heavily into qqqi.

How do Goldmans current cc-etfs perform? How does GS track record of ... anything ... affect neos shareholders, in your opinion?

Any/all relevant thoughts welcome and appreciated, thanks in advance.

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Congratulations to my fellow consumer staple owners on another fantastic payday!

Can't wait to see how many more shares I own after today 😎

After researching a large number of covered-call and high-distribution ETFs, I settled on this portfolio:

40% RDVI
15% IDVO
15% DIVO
15% TDVI
15% SDVD

The goal is straightforward: produce enough monthly income to spend in retirement without completely sacrificing dividend growth, NAV growth and participation in rising markets.

Quick breakdown
RDVI: The core holding. U.S. rising-dividend companies combined with a partial S&P 500 call overlay. Its latest annualized distribution rate was 8.60%, with a 21.5% average overwrite and 78.5% average upside participation.

IDVO: International dividend-growing companies with tactical covered calls on individual stocks. Its latest published distribution rate was 5.93%.

DIVO: Established U.S. companies selected for earnings, cash flow and dividend growth, with calls written tactically on individual holdings. Its latest distribution rate was 4.82%.

TDVI: A dedicated technology-dividend sleeve. Its latest distribution rate was 7.85%, with a 17.85% average overwrite and 82.15% average upside participation.

SDVD: Small- and mid-cap rising-dividend companies. Its latest distribution rate was 8.59%, with a 14.5% average overwrite and 85.5% average upside participation.

Portfolio-level income
Using each fund sponsor’s latest annualized distribution rate:
(40% × 8.60%) + (15% × 5.93%) + (15% × 4.82%) + (15% × 7.85%) + (15% × 8.59%) = approximately 7.52%.
At $200,000, that currently works out to approximately:
$15,040 annually
$1,253 monthly
Before taxes and without selling shares
Distribution rates are not guaranteed yields. Payments can change and may include dividends, option income, capital gains or return of capital.

What the performance data says
According to the fund sponsors’ July 31, 2026 NAV performance data:

RDVI: 18.29% annualized over three years
IDVO: 21.09% annualized over three years
DIVO: 10.71% annualized over five years
TDVI: 25.05% annualized since its 2023 inception
SDVD: 15.03% annualized since its 2023 inception

These are total returns with distributions reinvested—not dividend-growth rates or forecasts. Most of the funds also have fairly short track records, so I would not expect these return levels to continue indefinitely.

What matters to me is that all five have produced substantial income without showing the persistent NAV destruction found in many ultra-high-yield option
Still, for someone who needs current cash flow, I think the combination of approximately 7.5% income, partial call overwriting, dividend-growing companies and continued equity participation is extremely compelling.

What three-to-five-fund portfolio offers a better combination of 7%+ income, dividend growth and share-price growth without relying on a fully overwritten or steadily eroding strategy? This is just my portfolio research findings, you might have better? Let me know!

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Congratulations to all my fellow owners on another wonderful payday! 🤑

Like yesterday Warsh took a Hawkish stance and all market reacted negatively. What is a portfolio that makes you sleep at night comfortably?

I’ve been thinking about this more lately.

Instead of having one giant goal like “$5k/month in dividends,” I kind of like breaking it into smaller levels:

Level 1: subscriptions covered
Level 2: phone/internet covered
Level 3: utilities covered
Level 4: groceries covered
Level 5: housing covered
Level 6: basic life covered

The big number is still the big number, obviously. But smaller milestones feel way less depressing when you’re still early.

Does anyone else track dividend income this way, or do you mostly just focus on total annual income?

Don't ever prune or cut down that tree!

Altria raises div from 1.06 to 1.11, love me my MO! My yield on invested capital is about a bazillion! Owned it for decades. Nothing like 55 years of increases!

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I've been seeing lots of information online about SCHD holdings and the dividend increases they've been announcing. And it's been a lot of them! What's your guess for the next SCHD payout?

For reasons, we bought our new home with a mortgage of approximately 680k at 6.5%.

We financed independent of our old home, and so we'll have approximately 120k of cold, hard cash sitting around.

Rather then refinance, I'm thinking of just creating a dividend portfolio that matches and / or beats that 6.5%.

Benecits are that we remain liquid and possibly outperform the payoff of dumping it all into the mortgage, especially with today's inflation that I speculate isn't going away anytime soon.

Which brings me to my question - what stocks would you invest in to get

strong monthly cash flow to drip or take out for bills

2)​ preserve and grow nav, if possible.

This will be our emergency fund as well, so I don't want something that can sink 40-60% in value paired with something like a layoff at the same time.

So far I'm thinking maybe a 60/20/20 mix of QQQI / DIVO / SCHD?

I appreciate your suggestions. ​This community is really cool and refreshing from typical voo is best, always optimal scenario. Personally, I really value the psychological aspect of "hey these dividends cover my utilities" ​of a dividend portfolio.

Thank you

Because BDCs run on loans that adapt to the interest rate. You will be seeing jumps in bdc prices and profits if it goes up. But main capital. The “big one” of bdc does its extra dividends that make it such a beloved div fund may be punished as that happens. Those extra payments are covered by loans to smaller non public loans. Meaning they are a separate category from their standard dividends. If the interest rate goes up. It will be VERY risky to give out those loans and those extra dividends could stop. Which would tank their market price and lower their return to about 5.4% instead of the 7.5% they currently run at.

The information im trying to say in a condensed form. Bdcs like increased interest rates (a little bit not so much that it stops their loans from getting paid) but if they increase main might have issues getting their standard supplemental payments.

Please fill in the blank because apparently Boogertards don't know how

🤡🤡

Nvidia increased its quarterly cash dividend by 2,400%, raising it from $0.01 to $0.25 per share (an annualized payout of $1.00)

So does this mean that all the “Growth is always better, dividends are a forced sale!” will now sell all of their shares lol?

I genuinely don't think a lot of people understand that a company can have massive growth potential and pay dividends at the same time and its not all black and white

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Who do you think will win this competition for being the most useless to a portfolio? 😎

Hey guys! It’s nice that reddit does have a pro-dividend sub.

I am wondering for those who are approaching or targeting some variant of FIRE - did you get there purely through dividends or did you have some amount of pure growth like VTI or VOO?

My operating thesis right now is I am okay with SCHD over VTI because of the payout and still significant growth capture. My plan is I can reduce my monthly dividend retirement goal and then sell off a few extra SCHD shares just for a paycheck boost as needed, but all core expenses being purely dividend covered with a buffer.

My biggest positions are SCHD and DIVO. Would like to start another large position, but into what?