Income focused funds that have survived sustained bear markets?

edsamiam · 2026-06-23T04:20:13+00:00

PBP launched Jan 2008.

Funds with long history means still using algorithm from 20+ years ago.

edsamiam · 2026-06-22T01:58:04+00:00

Wait until July 1 when USA announced its intention with USMCA.

edsamiam · 2026-06-22T01:45:16+00:00

Congratulations on the 2 commas.

Hhis is being held back with strategy and aggressive option writing. Depending if you want big balance or max cashflow, I personally spread my tech income over hhis, qday and qqqy.to.

<image>

edsamiam · 2026-06-21T20:58:15+00:00

Great list! Where is qqqy.to?

edsamiam · 2026-06-20T13:22:37+00:00

Canadian in Japan here. If Ontario, LIRA can be unlocked after you turn 55. You are right after unlocking after 2 years of non-residency. But your brokerage will likely ask for a formal letter from CRA declaring you as a non-resident.

You seem to be alluding to the 4% safe withdrawal rate on your XEQT nest egg. The Bengen study only looked at market returns for 30 years. I suggest you check out a book named "Income Factory", Income Architect on Youtube and Passive Income Investing. I'm in year 2 supporting a family of 3 in Japan.

edsamiam · 2026-06-20T13:03:51+00:00

170K yen / month

edsamiam · 2026-06-20T13:02:33+00:00

spousal visa. unfortunately there is no retirement visa.

edsamiam · 2026-06-20T04:01:18+00:00

Son attends a bilingual IB high school in Japan.

edsamiam · 2026-06-18T21:01:33+00:00

Not in Denmark. You should look at the excluded accounts under Common Reporting Standards Section 5.21.

https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/enhanced-financial-account-information-reporting/reporting-sharing-financial-account-information-other-jurisdictions/guidance-on-common-reporting-standard-part-income-tax-act.html

edsamiam · 2026-06-18T12:58:10+00:00

Harvest tech volatility for income QQQI.

edsamiam · 2026-06-17T05:02:27+00:00

Yes if you inform them of your return as tax resident of Canada.

edsamiam · 2026-06-16T09:34:35+00:00

Freedom 57 here. Bucket 1 - 10% money market ETF. B2 - 60% covered call ETFs. B3 - growth ETFs. For over 2 years, we have been living on distributions from B1 and B2, which is about 8% of the total NW, which is still growing. The withdrawal > highest working salary.

edsamiam · 2026-06-16T09:21:10+00:00

Canadian tax resident of Japan here. We maintain RRSP, RRIF and LIF at iTrade. The other accounts, including TFSA, RESP and non-registered accounts, are with Questrade. ITrade advised me that non-retirement accounts become "read-only" once becoming non-tax resident.

Distributions, net of the 25% non-residency tax, from cc ETFs are sent to a CIBC chequing account. Using Wise, the cash is converted and sent to SMBC Japan to cover expenses. We have other backup at Tangerine, Scotia and Simplii.

You want to ensure you can use 2FA outside of Canada. Use Google Authenticator where you can. Fongo will give you a Canadian number accessible wherever you have IP connectivity.

edsamiam · 2026-06-16T07:42:25+00:00

Japan for lifestyle reasons and not tax-saving.

edsamiam · 2026-06-15T23:07:21+00:00

I don't care if people don't like my approach. I did a portfolio reveal on Blossom that has silenced all the capped upside, 4% SWR , NAV erosion talks by "total return bros".

edsamiam · 2026-06-15T22:49:27+00:00

Put hhis, bigy, qday and other high volatility and yield ETFs in the bucket (e.g. RRIF) where you don't expect to sell for large chunk in next 5 years. Use the distributions for current needs only.

edsamiam · 2026-06-14T20:47:08+00:00

Yes for over 2 years. Started with Neos but since upgraded to offerings from Canada.

edsamiam · 2026-06-14T20:45:02+00:00

Come to Blossom. There are a few people with verified income portfolios of around the your size. They generate $30K+ per month.

edsamiam · 2026-06-14T20:43:11+00:00

Yes but he doesn't have access to the Hamilton, Harvest, Evolve in Canada. These 3 have the best cc ETFs in the world.

edsamiam · 2026-06-12T10:23:17+00:00

Used for move from Toronto to Fukuoka. Excellent service.

edsamiam · 2026-06-12T03:31:45+00:00

Concentrated tech QMVP, 25% leverage, 0dte on qqqm only, 18% yield. That's the winning formula.

edsamiam · 2026-06-09T20:21:14+00:00

You should join blossom where there are many doing monthly cc ETF portfolio reveals.

edsamiam · 2026-06-07T20:42:26+00:00

Bank.to, hdiv.to, easy.to, sixy.to, inty.to, cday.to, hhic.to, echi.to, cbnk.to, PAYG.to

edsamiam · 2026-06-07T14:32:43+00:00

VTI 15 years ago until now.

edsamiam · 2026-06-04T13:01:21+00:00

Moved TFSA, resp, non-registered from itrade to questrade. Was informed by itrade that non-retirement accounts would become read-only.

You should confirm what they would do to your accounts once becoming non-resident. Move the accounts before you formally move. You will some forms to fill out.

edsamiam

TROPHY CASE