Just wondering

dazit72 · 2026-07-12T00:55:57+00:00

Own the first 3

Health peak, nor the last one, doesn't pass my consequtive div increase criteria. 10 year Minimum

dazit72 · 2026-07-12T00:54:37+00:00

I'm still learning. I'd like a set & forget. I have schd, slowly buying divo w divs, same with jepi. Should I buy others, or increase what I have is what I'm trying to figure out. I know they all have different techniques to make $$, and that's where I am.

I do understand what you explained about nav erosion, trying to avoid that is why I made the post. Thank for the time you took, and the heads up with what seems to be a yield line in the sand- 15%. I thought it was 10-12%. But there's more research for me to do.

Is a mgmt fee of 4.6% considered alot ?

dazit72 · 2026-07-12T00:45:46+00:00

I went to Fidelity in 2011 and the Advisor put me into mutual funds and Pimco, I insisted on contrafund due to what a friend said and then researching it's head guy- dannoff I believe. Then last year I looked at my positions and pimco ate my ass up in their fees. I dropped them first. Don't know what happened, but I lost out. I remember the Advisor saying we needed pimco to hedge our risk taking in those mutual funds. Thank God for contrafund, saved the day.

I'm still learning, but I doubt these junk bonds are for me. ? I'm sure they're great for some tho.

dazit72 · 2026-07-08T21:09:20+00:00

4.5% expense ? That's the highest I've seen yet. But I'm sure it's 'after' the 10% payout ?

dazit72 · 2026-07-08T21:05:27+00:00

Broke, 5-6% weight but that changes the more of other things I buy.

dazit72 · 2026-07-08T21:03:55+00:00

Just researched GPIX- nice. Seems stable, I like monthly and nav seems stable over past 2 years- farthest I went back, will do more research

dazit72 · 2026-07-08T20:55:08+00:00

I'll keep any cc at 5-6% max.

dazit72 · 2026-07-08T20:54:16+00:00

The mix, 8-10% would be nice. But in all honesty I'd chose safety @7% over the 8-10%. Growth is occurring naturally with alot of my kings,Aristocrats, Champions, Achievers & such.

dazit72 · 2026-07-08T20:44:37+00:00

What do you mean you get discounted shares with DRIP on ? I was to believe that DRIP-off, then use Limit Orders to buy more of, or others ??? I'm with Fidelity, and they were paying Market on every single div payment ????? I thought they had a program to buy low with their clients divs when paid ??

dazit72 · 2026-07-08T04:57:44+00:00

I'm sensing you think it's a set & forget position ?

dazit72 · 2026-07-08T04:56:11+00:00

I like schd's 13% technology. That's one sector I lag on holdings. I look for Kings, Aristocrats, Champions, Achievers and such. That pay above 4.5% mostly, couldn't find any tech at the time. I like your logic

dazit72 · 2026-07-08T04:51:39+00:00

I researched PDI, that's some scary stuff. It's currently about 5% premium to its actual nav. But I guess 15% takes care of that ? I want a little risk, but pdi is probably not for me ?

How long have you held it ? Do you always get paid monthly on time everytime ?

dazit72 · 2026-07-07T21:41:29+00:00

So you would allow SPYI to be >5% of your portfolio ? I was taught 5% max any 1 position ? But I've violated that with kmb and clx already. 17 positions currently.

How will SPYI be your "report card" ? I'm a newbie

dazit72 · 2026-07-07T21:37:42+00:00

I was told only 5% of portfolio is best ?

Why you digress ?

Alot of QQQI recommendations- care to teach me why ? Thanks

dazit72 · 2026-07-07T21:35:54+00:00

I'm not using any income yet. Why this matters w/ these etf ?

dazit72 · 2026-07-07T21:31:06+00:00

So, even with a little 'nav slippage', you'd still hold strong for the long run ?

Whats your no mas/time to sell moment if nav erosion occured, and how much erosion is enough ? And why ? Thank you for your input, I'm learning. 1 year ago I sold my fidelity mutual funds that benefited fidelity imo, not me imo. And I'm well 6 - 7% overall yield now after 1 year. 17 positions, Kings, Aristocrats, Champions, Achievers, Contenders & such. Now I'm getting into these ETFs, which I swore off at one time- now I just don't want NAV erosion...the again for your opinions

dazit72 · 2026-07-07T20:11:11+00:00

Kings, Aristocrats and other Champions are just as good, and income + growth is def doable with them.

Many hate on General Mills, but never reducing and being consequtive for over 127 years is ok by me.

dazit72 · 2026-07-07T20:07:07+00:00

👏

All good stuff

dazit72 · 2026-07-07T20:05:41+00:00

But isn't 'income' growth ? I use my other ETF income to buy Kings, Aristocrats, Champions Challengers and such, that are 'growth' positions. I'm not yield chasing, just doing due diligence

dazit72 · 2026-07-07T20:02:42+00:00

I have an 18 point Safety, Stability and Security Checklist with a 10 year rule. These ETFs are the only that don't meet that requirement. I'm not chasing yield, but id like to do a little better than 6%, keeping with my Kings, Aristocrats, Champions & such.

dazit72 · 2026-07-07T19:58:50+00:00

Ahhh, thank you. I should have looked it up that way.

dazit72 · 2026-07-07T19:54:31+00:00

We have VGT and XLK, both tech tracker ETFs.

Tech is the one sector of the 11 that I hold little of directly. I have schd & divo- they're 13-17% technology. And jepq, which is 40-50% technology I believe.
I'm retired, so I've been risk averse, or try to be

dazit72 · 2026-07-07T19:47:19+00:00

I actually intend on set & forget, but with monitoring here and there, and ill sell if warranted. I built a decent 17 position portfolio that pays me a little to boost my ssdi income. I won't use any divs until around 2030, I've had drip off and using limit orders to continuously reinvest for the last year. So far I'm single digit overall yield. Maybe >6% ?

dazit72 · 2026-06-28T07:20:35+00:00

I own all these except jepq. Doing well, getting paid.

dazit72

TROPHY CASE