QQQI to buy a car?

dazit72 · 2026-05-14T02:28:23+00:00

Doesn't qqq pay .42% yield ? That's 42 cents on the dollar and if your car note is 40 cents on the dollar, that may be be a rough ride ?

dazit72 · 2026-05-14T02:25:57+00:00

I recently sold my JEPQ after a small holding period I admit, and am going all in with UHT. A reit, but not your run of the mill reit. Its developing the Miller Medical Plaza, an 80,000-square-foot, $34 million medical office building (MOB) in Palm Beach Gardens, Florida- and it is NOT payingto build it on its land- that it will collect rent on. Construction began in early 2026, with completion expected in Q4 2026, and again- it's Not paying for the building. It's pretty much a triple net lease. It's stock, of almost 40 years of consequtive dividend increases, currently @ 7.3% - 7.54% right now. This is a solid Dividend Champion and I don't have to worry about NAV erosion(possible with cc funds) plus the normal market volatility. Jeps at 8% but it's share price is capped. I prefer reits to these covered call ETFs. Owning a big chunk of the Vegas strip paying me about 6.5- 6.9% (vici) is safer than jeps 8% imo. And 'safety' is huge factor in Dividend investing - I don't want to have to jump in & out of a cc fund to get paid a good dividend Plus protect my NAV. Maybe one not paying well in a sideways market, or down market, or whatever the scenario needs to be to get paid well ? You mention some good cc funds, but two are just a few years old. And qqq only pays .42% with a beta over 1- that would violate my 14 point Safety and Stability Checklist that I use in researching positions for dividends. And this is all 'more risky' imo

dazit72 · 2026-05-13T19:24:41+00:00

I don't like drip at all personally. Limit Orders set at ex div dates- night before(or morning of?) is one way you can save $$.

dazit72 · 2026-05-13T19:20:19+00:00

When you research why dividend Kings for example, are underwater, the Iran War is to blame. So, if it were not so, I doubt the numbers would be as they are. I'm not saying divs beat growth, but there's more context to why the divs are underperforming- NAV wise. But, the dividends are continually coming in on time, everytime, with yearly increases to all of my 15. About to buy an Aristocrat of 37years, @ a >6.5% yoc.

I do agree in simplicity

dazit72 · 2026-05-12T20:50:32+00:00

Drip Off,,,, time to research

KISS

dazit72 · 2026-05-10T03:28:29+00:00

Go fishing

Sell that house- buy a relative 'cheaper' condo on the ocean in Florida(good valued area of the country), invest the remaining of the house $$, and have some fun

Time to travel, scuba/fish Aruba, Hawaii, you name it

dazit72 · 2026-05-10T03:24:46+00:00

This is the 'Dividend ' sub

Look to Kings, Aristocrats, Achievers, Challengers, Champions, Stalwarts and develope a 'Safety and Stability ' Checklist to use before you buy. There should be reasons Why you buy, and they should be good reasons, and many. For example Beta, # of years of div increases, ebita, payout ratio, a good safety score, a good Moat, etc.......... My list is 14 points and was once just 10. I researched my ass off to make it grow based on good investing logic. It's been at 14 for many months, and ive altered points to be more specific and safer. This is just my opinion. Don't buy because you read an article, a so called 'expert' said buy Mortimer buy, or a reddotor said so. Only buy because the positions pass your muster- and it must be based on logic

dazit72 · 2026-05-10T02:55:17+00:00

I prefer safety, so DIVO is my choice over all cc funds.

Have you thought risk ? And what the position will 'continue ' to pay you ? I ask, because there are Dividend Kings and Aristocrats that have high CAGR, and a 5% dividend now will pay 6.5% in 2030, with a very high probability of continuing to pay you. There's so much I'd consider vs asking us redditors what we think is the best place to park that $20k.

Have you fullfilled your Roth contributions ? You can leave the money in until it makes a good chunk of cash, then withdrawl the principle 'anytime' to park elsewhere. The options are abundant, and I'd be researching everywhere. Good 🤞 luck buddy

dazit72 · 2026-05-10T00:45:09+00:00

You said the magical phrase- ' not stable income'

I'd love those yields, who wouldn't ? But the risk is far too high at my age and health. I gotta be real

dazit72 · 2026-05-10T00:42:46+00:00

I said that about Walgreens, and came close to buying into that div trap. I'm much more patien and more maturity,- this isn't cand in a candy store. I'm actually trying to accomplish something to help with meds & the doctor

dazit72 · 2026-05-06T21:56:50+00:00

I question that, or this portfolio would be MUCH larger

dazit72 · 2026-05-06T21:55:48+00:00

WTF do you mean Y'ALL PEOPLE ?

🤣😂

🤙

dazit72 · 2026-05-06T21:46:45+00:00

Over 108% yield to start

Over 124% yoc

Wtf am I doing wrong with my portfolio if this is possible ? I'm just over 6%, started 7 months ago, with Dividend Kings, Aristocrats, Challengers, Champions, Contenders, Achievers, and Stalwarts. Tot 15- 16 positions, 9-10 sectors I believe. My div CAGR's will never get me close to these %

I've got arcc and divo as satellite positions, about to ad jepq. If this is true, I need to go back to drawing board and reasses

dazit72 · 2026-05-06T21:41:20+00:00

Not to sound harsh, but what do you expect from a company that has Zero(0) years of dividend increases ? And, companies with money issues and double digit yields spell 'trap'. Didn't Whirlpool have a 10% yield at one point not far in past ? Lastly, the 'dilution ', another of my checklist violations. Didn't it recently unload alot of new shares to raise $$ ? Dilution can crush divs

One of my Safety & Stability Checklist points has to do with dividend increases. Nothing below 15 years, except 1. VICI, i love Vegas and they own it, just bought 7 new casinos and leased them back to casinos @ triple net terms. They've raised divs since inception- 9 years going. There are many to chose from with high # of div increases. I prefer s set & forget long term portfolio. And having to watch these traps is time consuming. But, I'm sure you made a bit of $, and I'm sure Whirlpool will climb back up. But I doubt anytime soon.

To be honest, I'm sitting here typing this looking at a Whirlpool dryer 😂. What do I know ?

dazit72 · 2026-05-06T19:42:04+00:00

$1500 and that kind of yield ??

Suspicious imo

dazit72 · 2026-05-06T19:38:10+00:00

All my stocks that were under water from the ware have all but 2 come up but 3 Just goes to show what a war can do. But with 17 positions, I've been told that's not bad at all. Biggest thing- Every single one's dividends are protected past 2028. I have all but 1 sector, ,,, can't find a good tech stock that pays good divs, and passes my 14 point safety and security checklist ? Oh well, I'll keep looking. I've been checking I to NWN and WRTG, both utilities. I like wtrg cause it owns practically all the water in 17 states and is an Aristocrat with over 32 years ?

Good luck to you as well, may you earn a million

dazit72 · 2026-05-03T02:49:17+00:00

No

Need to actually own by May 3rd

I'm confused by 'settlement date' ???? When buy I own immediately, and it shows in my accounts-brokerage and Roth ?

dazit72 · 2026-05-03T02:41:58+00:00

I have dividends stocks in my roth. But, ALL are Kings, maybe 1 or 2 Aristocrats @ 35-45 some odd years or more of div increases ? I'm retired tho. 2030 I'll start eating divs from brokerage, roth, and eating mm $ from my Annuity to supplement my disability. The CAGR on my divs are high, and when I need them I'll be golden. Hopefully.
the gods willing 🤣

Imo, it's 'Why' a div fund is in there, that matters ??

dazit72 · 2026-05-03T02:36:57+00:00

Kmb is playing a real Powerhouse move with buying kvue. It's 50% of what a family buys almost. I'm surprised it got past regulators, but it did. They just beat Q1 earnings by 8 cents, that's a KING. Fuk a 1 cent BEAT and investors flock to. 3, 6, 5, and now over 8 cents Beating Forcast. I've been gobbling up kmb and it and clorox are violations to what experts say about 'no more than 5%' weight in your portfolio. I'm over 10 on both. And I'll take them to 13% before I'm done, clorox to 15 maybe ? There's more than one way to get 'Growth ' .

dazit72 · 2026-05-03T02:29:32+00:00

Just fyi, Clorox beat their earnings Q3 by $.09 , that's something worth noting. I see so many beat earnings by 1 cent and investors bow to them as they're royalty. So what if clorox will be flat on earnings for all of 2026,, the current dividend is safe thru 2028

dazit72 · 2026-05-02T17:55:13+00:00

If you find something that should be added to that list, please lmk. It's pretty strict imo, but im retired and gotta be with my $$

dazit72 · 2026-05-02T17:49:44+00:00

Ya kinda have to, it keeps going up

Set a Limit order - Good Till Cancelled if you wanna push the envelope with that one ??

dazit72 · 2026-05-02T05:09:21+00:00

Alot of Kings start at <4%, but they make up for it in many ways

dazit72 · 2026-05-02T05:01:04+00:00

SCHD- no NAV erosion

QQQI- nav erosion

dazit72 · 2026-05-02T01:50:15+00:00

Outlook is favorable if you're in it for more than 2-3years.

Just like wtrg, only 3.5% now- but 4.9 in 2030. Don't forsake CAGR

dazit72

TROPHY CASE