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Strategies & Market Trends : Young and Older Folk Portfolio
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To: mykesc2020 who wrote (21325)10/16/2025 8:21:31 AM
From: jritz010 Recommendations

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RE: I'd be interested if JRitz knows of an ETF that can satisfy the 5%, 5% desired outcome.

My answer will probably piss of a few DGI investors but here is why I no longer use DGI:

I can buy an equity/option fund that pays anywhere from 8-12%. It would take a stock with the criteria of 5% yield, 5% dividend growth 18 years to match a 12% paying fund. Someone could live on 5-8% and reinvest the remaining 4-7% to insure they are buying more income and not destroying nav. QQQI pays about 13.5% and SPYI pays 11.7% if you believe in SSD's numbers.

I happen to own a couple of defensive funds that use puts to protect the downside. KHPI is designed to protect the downside after SPY has dropped 5% and will protect all the way down to -20%. SPYH is designed similarly but the initial drop would be larger but it protects further to the downside.

It seems to me that someone is pigeonholing when the criteria of a stock selection have to meet 5%, 5%, there are not a lot of investable companies that pay that. I'm investing in SP500 and QQQ in which the general direction is always higher in the long run. That can't be said about all stocks.

Even QDPL (the best fund I found for reasonable growth and income) pays around 5% currently. It will pay 4x SPY and I don't concern myself with the dividend growth because the underlying asset (SPY) typically grows and QDPL will be paying 4x on the higher SPY price.

This is what works for me and I like the simplicity and monthly cashflow. I can see the merits of DGI if that is what people are comfortable with.

Please don't shoot the messenger :)
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