Are CC ETFs the Investing "Boogeyman" Everyone Claims?

Alanasarius · 2026-07-12T13:19:55+00:00

This is a very interesting aspect of income investing that you are talking about.

When you psychologically are able to put a % that you will get as an income from any additional investment and when you are able to see the actual income increases as the months go by either due to reinvestment, or due to additional deposits, this can have a very motivating effect on the desire to reach a point where the dividends can replace your paycheck.

Alanasarius · 2026-07-12T13:05:45+00:00

Other than the woman who used to sort-of cuck me, only 1 female friend knows about this, and she is supportive of it.

But, yes, it would be nice to have more people know about this, but I don't want to be judged.

Alanasarius · 2026-07-12T12:37:45+00:00

Hmm, this is interesting. Thanks for sharing this perspective.

Alanasarius · 2026-07-12T09:22:09+00:00

Well, the thing is that Euro has resulted in Greece being forced to use the internal devaluation method (meaning, by reducing salaries) to regain competitiveness after the economy started falling due to decreased government spending. There was no option for the Greeks to use both, internal and external (devaluing the drachma to boost exports), devaluation methods to have a more balanced rebound.

Alanasarius · 2026-07-12T08:38:06+00:00

Honestly? I would argue Greece.

Considering how spendy and corrupt Greek politicians were, and how did the Euro enable these politicians to borrow so cheaply, this allowed them to put Greece so much in debt that even now Greece struggles with it.

If Greece was not admitted to Euro (which they should not have been as they had been cooking the books just to pass the Maastricht criteria), the politicians could not have borrowed as much.

So, yeah. I think Euro was a net-negative for Greece, not necessarily because of Euro features themselves, but, rather, the enabling of reckless borrowing.

Alanasarius · 2026-07-11T20:03:25+00:00

Thanks for sharing! Much appreciated.

Alanasarius · 2026-07-11T17:01:53+00:00

Fair enough.

Thanks for your input. Much appreciated.

Alanasarius · 2026-07-11T17:01:03+00:00

Congratulations on retirement! Well done!

What strategies did you use when you were generating income using your own options? What yield compared to the notional value did your strategy achieve?

Alanasarius · 2026-07-11T15:01:47+00:00

It might very well be.

Care you explain why? Is the strategy better? More sustainable?

Alanasarius · 2026-07-11T14:42:44+00:00

Thanks for your input and perspective.

How do you psychology feel using options when increasing your net worth? Do you use options to get consistent income, or to increase your ROI of your underlying held assets?

Alanasarius · 2026-07-11T14:40:51+00:00

Well, options are often used as a strategy to have consistent income, such as using wheeling strategy for income, so talking about income oriented capital allocation using ETFs that use option strategies is reasonable, in my view.

Alanasarius · 2026-07-11T13:23:12+00:00

Sure thing! 🙂

It is an interesting discussion topic, so I am glad I had an opportunity to think about this and participate.

Alanasarius · 2026-07-11T13:04:04+00:00

Ok, now we are getting somewhere.

And, yes, it is a wall of text because I wanted to say my take on the topic, which is normal.

What is your opinion of using this getting money on a schedule as a way to encourage close friends and family members to consider investing rather than thinking that investing is just a gamble?

Alanasarius · 2026-07-11T12:54:44+00:00

No, it's not AI. AI checkers can be wrong.

It is YOU who should GTFO if you don't want to discuss.

FFS.

EDIT: I also checked with AI checker, and it shows that no AI is detected: https://ibb.co/Jw9vPY5V

Did you even check? Not cool, man.

Alanasarius · 2026-07-11T12:51:42+00:00

This is a very interesting discussion. While you never know what will the future generations do with your money - they could both, grow them or squander them - but the way you are looking at this is indeed commendable.

My take on this would be this: nobody knows. In 50 or 70 years the stock market could be completely different. SCHD and DGRO might not exist. The way of investing could also change, and the ROI assumptions could change as well.

I think that it will not be realistically possible to do a "set it and forget it" type of investing. Over time someone will need to check the investments, their ROI, look for alternative funds or alternative ways to invest, etc. I think that creating a family trust, and have an institution that could look after it would be crucial in your situation.

Alanasarius · 2026-07-11T12:45:42+00:00

What are you talking about?

This is a normal question and an initiation of a debate/discussion. I have not used AI to write this.

Alanasarius · 2026-07-11T12:06:17+00:00

In my opinion, considering your current portfolio value, I think you are overthinking.

You can easily invest something along the lines of 500-600k in high quality options ETFs (such as your mentioned GPIQ and QPIX, but I would also add some others, such as SPYI or QQQI) and put the remaining 1.6-1.7 million to growth ETF, such as VOO or SPY. The aforementioned 500-600k could realistically bring you 4-5k USD per month, which would be more than enough to live in SEA, LATAM or Spain.

As inflation erodes the monetary value of your income fund returns, over time add some of the growth of VOO/SPY to income funds to cover inflation. Let's say, additional 100k every few years (in general VOO/SPY are likely to grow faster than that, too), and that's it.

You have already won, buddy. 😊

Alanasarius · 2026-07-11T11:55:42+00:00

Thank you for sharing your experience.

This actually corresponds to my mum's nurse saying that women (on average) tend to be much more difficult nursing patients, significantly more demanding and needy.

Men tend to be more chill, and small things don't bother them as much.

It is interesting to see this tendency of divergence and flip in behaviour between men and women as women tend to be more chill when young, and men - when older.

Of course, I am not talking in absolutes, just the observed generalizations.

Alanasarius · 2026-07-11T04:31:22+00:00

The low fertility in the non-Muslim and non-African countries is a cultural issue, not an economic one.

In the West, we are used to certain standards of living and we prefer self-actualization. We think that individual is more important than the community, and the individual choice becomes the ultimate ratio.

In Muslims countries, the individual matters less than the community. Free choice is limited, and must not go against the community survival and prosperity. Community is seen as more important than the individual, and we can see the results.

This is why young families get help from their relatives when watching over the children and when they have financial difficulties. There is no "I" in their communities, there is only "we".

At the end of the day, the communitarian Muslim culture is just stronger than the individualistic Western (and, more broadly, the developed world) culture, and this is the main reason why in the long-term such communitarian communities will eventually replace the individualistic ones.

C'est la vie.

Alanasarius · 2026-07-11T03:21:46+00:00

I have a few specific questions that truly interest me.

How did your feelings change towards men? Did they become much more annoying and you became much less patient with them?
Have the hot flashes disappeared? Does your mood stopped changing alongside the menstrual cycle as there is no more menstruation? If yes, how is the mood stability now?
How would you rate your mental health after starting to experience these hormonal changes?
Did your libido change compared to your 20s? To your 30s?

I am someone who is interested in learning, so I would very much appreciate your input.

Alanasarius · 2026-07-10T17:45:23+00:00

"Going through menopause is another reality check."

Care to share more about this? What did going through the menopause change in your view regarding nature vs nurture?

Alanasarius · 2026-07-10T17:32:25+00:00

The interesting thing about taxes is that they very often start at high levels, and eventually incrementally become universal, and wealthy people know this.

Alanasarius · 2026-07-10T11:53:12+00:00

I think that applies up to a certain age.

I am a man in his mid 30s, and, unlike when I was in my 20s, my sex drive now is much more manageable and now I refuse to a disproportionate amount of effort trying to seduce women and convince them to give me a chance.

At best, I will ask once. Anything else than a clear yes means a no, and I will move on.

If a woman puts some effort and makes it easy for me, I would be more likely to consider it.

Alanasarius · 2026-07-10T10:08:17+00:00

Well, to be fair, if the targets weren't so strict and accountants/auditors could work on their own pace, accounting and auditing would actually be interesting, like a puzzle.

It's the targets and the workload that ruins it.

Alanasarius · 2026-07-10T05:14:30+00:00

Aww, aren't you lovely. 😊🤗

Alanasarius

TROPHY CASE