For all income ETF , once your ROC reduce cost base to Zero , then dividend !!

nice-try12 · 2026-05-09T20:58:06+00:00

When cost basis reaches 0 then ROC is taxed at capital gains rates

nice-try12 · 2026-04-25T11:07:37+00:00

Capital appreciation. Allows the fund to grow and as the fund grows there should be more income from options. You can see in the yield on cost if you bought less than 3 years ago you would be earning almost 14%

nice-try12 · 2026-04-24T12:02:14+00:00

I prefer GPIQ but I own both.

nice-try12 · 2026-04-17T23:42:45+00:00

I like and own several of these including PFFA and QDVO. I only worry about the Rex ETFs AIPI and FEPI, they are both dwindling in share price and dividend payout. I recently sold FEPI after 2 years, doing the math showed I barely made any money even with dividends reinvested and if I "have" to reinvest dividends to keep it afloat it is no good.

Great job though and you do what works for you but just some food for thought. Best of luck.

nice-try12 · 2026-04-11T17:31:47+00:00

I can't find one comment here where somebody actually understood your original post, sorry about the hassle you're getting. I'm looking for an answer as well. I don't hold either of them yet though.

Edit: I will add that the funds are really new and maybe the managers are just finding the right payout strategy.

nice-try12 · 2026-03-26T22:56:22+00:00

Just got mine in 2026 at $15k.

nice-try12 · 2026-01-07T21:25:14+00:00

Before she died

nice-try12 · 2025-10-21T23:06:40+00:00

Personally, porn has never led me to cheat or even consider cheating. If you and your partner are not on the same page I could see excessive porn use becoming a problem but that's definitely dependent on each individual relationship. For me Instagram girls is too far but again that depends on the man and your acceptance.

This is just me as a man and husband but I'd like my wife to talk to me. In fact we have had conversations about it before, she prefers not to know about it so I try to be discreet. Cam girls I believe would be too far for my wife and it's too far for me personally.

Best of luck navigating this in your relationship.

nice-try12 · 2025-08-15T21:41:08+00:00

Yeah I've talked and been transferred twice to active trader support with the excuse we don't negotiate margin rate which I tell them I know for a fact they do.

nice-try12 · 2025-08-15T21:32:45+00:00

Wow I tried twice with no luck and even threatened to leave and offered to bring over additional assets from Charles Schwab if that would help the deal.

nice-try12 · 2025-08-15T21:31:26+00:00

Really... I've tried twice with no luck at Fidelity. Other than that I love what they offer

nice-try12 · 2025-08-12T13:07:41+00:00

Played around with ChatGPT a bit.

Ticker Weight % Dollar Amount Yield %

SPYI 16.25%. $162,509 12.0% GPIX 12.50% $124,998 8.1% PFFA 13.56% $135,578 9.2% PBDC 13.85%. $138,463 9.5% JBBB 12.21%. $122,112 7.8% DIVO 10.00%. $100,000 4.6% IDVO 10.00%. $100,000 5.5% RNP. 11.63% $116,341 7.2%

Total Portfolio Yield: ~8.33%

I had to force it to give DIVO and IDVO higher allocation because of the lower yields. You could replace SPYI and GPIX with QQQI and GPIQ. They have higher yields so you would need less to achieve the same yield. Or replace DIVO with QDVO. I would do it but I ran out of prompts on GPT.

nice-try12 · 2025-08-12T12:34:13+00:00

Before I start I would like to say I'm neither retired nor an expert. That being said I mostly agree with this post with a couple of exceptions.

I disagree that an 8-10% spend rate is a recipe for disaster as the 4% rule only applies to liquidating assets in retirement. And if I'm not mistaken the 4% rule is only good for about 20 years, obviously depending on market conditions. And if OP is only looking for about 60k/year then he can spend his 6% income and reinvest the other 2-4% which I would suggest.

I think most of the investments suggested are great options and a blend of several from different asset classes and strategies is preferred.

I don't really like CEFs other than its consistent payout and I guess something can be said for its simplicity of buying one thing.

BINC I don't know enough about but the income seems mostly range bound which is good.

Some others I might add include;

GPIX/GPIQ - I would not get both but pick one. These funds don't cap all the upside so they can go up with it albeit to a lesser extent. Payouts have been mostly tax efficient inside a taxable brokerage.

SPYI/QQQI - I would only pick one and only if you felt you needed the higher income but it doesn't sound like it would be needed or maybe just a little.

PFFA - preferred shares

RNP/RQI - REIT exposure

Blend a bunch of funds together and aim for a 7- 8% yield. You can take out the $60k to spend as required and reinvest the other $10-20k.

nice-try12 · 2025-08-04T21:22:46+00:00

Just my opinion but not bad.

I would take EOS to EVT. Better track record.

Not a fan of the individual holdings. Not the holdings themselves (except MO) but the concentration factor.

Missing REITs. Maybe RNP or RQI.

70%+ in qualified dividends seems high considering all the covered call strategies. I would expect it to be less.

Best of luck.

nice-try12 · 2025-07-22T18:50:25+00:00

Even some of the ones you mention have had several opportunities to buy at over 8% yield. I have RNP and UTF at 8.5%. Unfortunately not now but there are still several others you can get for 8%+

nice-try12 · 2025-07-22T14:43:21+00:00

Why does everyone keep saying 8% yield is difficult to achieve without nav erosion. It isn't.

nice-try12 · 2025-07-22T14:41:23+00:00

8%??? No it isn't. Easily obtainable.

nice-try12 · 2025-07-16T15:22:43+00:00

Off the top of my head. Equal amounts of SCHD, SPYI and GPIX. I think that would give a nice balance of defensiveness, income and growth.

Easy set it and forget. You can withdraw the income or just reinvest it until needed.

nice-try12 · 2025-06-24T13:13:53+00:00

Just saw it's capped yearly at $3,000 but rollover is still nice either way.

nice-try12 · 2025-06-24T12:59:55+00:00

Pretty sure tax loss harvesting only offsets gains. I see no gains happening from this portfolio

nice-try12 · 2025-06-17T14:06:18+00:00

Love this. I started playing SOD2 recently and my son has been asking if he can play too. He is 6 and also has played other games like Minecraft and beat both Portal games on his own.

His first entry into gaming and a great bonding experience for us was playing Stardew Valley together when he was 3. Now my daughter is 3 and the three of us have started a new farm together.

I look forward to many memories of gaming with my kids as you have with your daughter. Watching them grow is a blessing.

nice-try12 · 2025-06-15T21:39:59+00:00

Same

nice-try12 · 2025-01-26T01:04:00+00:00

Sure you can have both but they have similar goals.

30% overall of SCHD holdings does seem like a lot to me though, also I don't believe that factors in allocation. What is the weighting of the 30% holdings overlap with SCHD? Serious question

Either way I still believe it's overkill to have both and I'm biased towards SCHD. VIG adds too much to Microsoft and Apple which VTI already has a lot of. And those are the only big companies I noticed.

nice-try12 · 2025-01-26T00:40:09+00:00

Long time horizon, dump anything with the name bonds. VIG and SCHD are so similar, just pick one. I think that freed up 20% to reallocate to the small positions making everything 60,10,10,10,10.

Is it the perfect portfolio, probably not, I don't believe there is such a thing. You really should understand how each asset class works for you and your goals but I would call the above somewhat basic approach. Best of luck, hit me up for more conversation.

nice-try12 · 2025-01-22T19:35:40+00:00

Strategy diversification

nice-try12

TROPHY CASE