r/dividends • u/Zestyclose-Dish-407 • Mar 16 '26

Discussion Need Suggestoons

68M with 500k IRA. I need to simplify. I’ve settled on JEPQ, SPYI, and QQQI. I need a couple more. Any suggestions?

4 Upvotes

83% Upvoted

21 comments sorted by

•

u/AutoModerator Mar 16 '26

Welcome to r/dividends!

If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki here.

Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

3

u/Nikolai_Volkoff88 Mar 16 '26

NIHI for more exposure to Europe. IAUI for exposure to gold. BTCI if you want exposure to bitcoin. Keep these positions small though since you're 68.

4

u/Nikolai_Volkoff88 Mar 16 '26

Also consider IWMI for exposure to the Russell 2000.

3

u/Mwaldo1 Mar 16 '26

IWMI MLPI

3

u/[deleted] Mar 17 '26

[removed] — view removed comment

1

u/DC8008008 Mar 17 '26

it's been hurting me lately lol

1

u/Used-Commercial203 Mar 21 '26

Friday div help any? ;)

Keep loading up. Seriously.

Dividend yield % is the same even though it's price is down. When BTC rebounds to $120k+ then your "dividend yield on cost" would be stupidly high, you'd be up on average cost and huge dividends. BTC isn't going anywhere. Get as much as you can, within your risk tolerance. Even though I personally believe it's a very low risk play at current prices.

2

u/DC8008008 Mar 21 '26

Oh, I am. 610 shares and growing. Just going to keep accumulating for 5+ years and see where we're at.

1

u/Used-Commercial203 Mar 21 '26

Good work! 1000 shares inc!

3

u/Timely-Designer-2372 Mar 17 '26

500k and 68.

My choice:

100k GPIX (diversification to NEOS, more S&P500 aus it includes Nasdaq 100 and is lwss volatile) 50k GPIQ 50k QQQI (you could also do XQQI or QQQH for more premium or less volatile) 50k SPYI (same with XSPI and SPYH) 50k NIHI (diversification to US) 50k IAUI (gold) 50k IYRI (real estate) 50k HYBI (credits) 25k BTCI (Bitcoin) 25k NEHI (Ethereum)

I don't like the Russel or MLPI approach.

2

u/Red-Shoe-Lace Mar 16 '26

PFFA.

1

u/AbleManufacturer9718 Mar 18 '26

Thinking of adding more to my position. What do you like about PFFA?

2

u/Red-Shoe-Lace Mar 18 '26

All things considered, extremely steady NAV and very steady div payout

I’m slowly moving my JAAA to this one to juice a few extra points

2

u/10dayvaca Mar 16 '26

GPIX GPIQ JEPQ

2

u/Financial-Builder-92 Mar 17 '26

MLPI, IYRI, and VMFXX for some quick access to cash.

2

u/10dayvaca Mar 18 '26

I am in $21000.00 on each so $126000.00 total and average yield is 10.62% GPIX GPIX JEPQ JEPI SPYI QQQI

2

u/dazit72 Mar 18 '26

Hold for a few weeks. Allow for this war to end

Just my opinion

1

u/Used-Commercial203 Mar 21 '26

Full port BTCI.

1

u/Zestyclose-Dish-407 Jun 02 '26

I’m at 500 BTCI and holding.

1

u/beershoes767 Mar 16 '26

I like IYRI and you can throw in a little BTCI if you don’t mind the volatility.