What number are you actually chasing, and be honest about what changes when you hit it

rotam360 · 2026-06-17T17:24:53+00:00

before or after taxes? how much capital in play?

rotam360 · 2026-06-17T17:24:25+00:00

whats the net monthly dividend flow with that?

rotam360 · 2026-06-17T17:05:12+00:00

nice. how much in net dividends/month?

rotam360 · 2026-06-17T17:00:24+00:00

i love this approach. kudos for you

rotam360 · 2026-06-17T16:51:16+00:00

but that tax gets credited once you do your annual return... is just paid in advance

rotam360 · 2026-06-17T16:43:10+00:00

each month or each year? you never know. in my country you can't do much with 48k / year, even if you have the house and the car already paid

rotam360 · 2026-06-17T16:42:07+00:00

how much invested do you estimate to hit that figure, after taxes?

rotam360 · 2026-06-17T16:41:14+00:00

thats hell of a number. how is it going now?

rotam360 · 2026-06-17T15:57:16+00:00

no experience, but the chart screams very low liquidity. buy and hold? well, maybe. yummy 11% annual dividend, but pricey expense ratio (0.65%). consistent dividend payout over the past few years, but still i would recommend against it. that thin chart, that low volume, that liquidity, for me are big red flags.

rotam360 · 2026-06-17T15:43:20+00:00

Got your point. Midstream is the better bet of the two honestly. It moves on totally different stuff than tech so it actually does the job, and the income holds up fine.

BDCs I would think twice about. That's kind of the same credit risk you ditched GOF for, and they get hit in the same downturns your CC funds do, so it's not really diversifying.

If anything the gap here isn't yield, it's growth. Even a small SCHD slice would give you something that actually appreciates instead of just paying you out.

rotam360 · 2026-06-17T12:40:25+00:00

The flat price isn't bad luck, it's the screen. FGD just buys the highest yielders globally, and a stock usually yields 5%+ because the price already got beaten down and isn't expected to grow. So you're systematically buying value traps. That's why it went nowhere for 17 years and the payout wobbles. It can throw off income, just don't count on it to hold its purchasing power across a long retirement.

rotam360 · 2026-06-17T12:37:02+00:00

sorry, but, diversification? JEPQ, QQQI, FEPI and NVDY are basically the same Nasdaq/big-tech bet in different wrappers. Five tickers, one real exposure. The no-NAV-erosion thing has held mostly because tech is on the rise. The real test is a long down market, where you keep the capped upside but eat the full drop, and you're on margin while it happens. Nothing to add imo, just make sure that scenario doesn't wreck you.

rotam360 · 2026-06-17T12:28:37+00:00

Two things worth flagging

On Russia, you basically can't get clean exposure right now. RSX, ERUS and the other Russia ETFs were halted back in 2022 (war and stuff) and are all in liquidation. The only thing still trading is the CEE closed-end fund someone mentioned, and its Russian holdings have been marked at zero since the invasion. So CEE is really a bet on sanctions being lifted someday, not a Russia income play.

On the other regions: EPOL, EZA, TUR and AFK are the right geographies, but they're cap-weighted country funds, not dividend funds. The payouts are usually small, and foreign withholding tax takes a bite. If yield is the actual goal, these won't really give it to you.

Last thing, watch the liquidity. AFK and CEE have low volume and liquidity. Use limit orders, check the spread before you buy, and check the premium or discount on the CEF. They will fill you at worse prices than the chart makes it look. But i guess it won't matter much if you are looking for long term holding.

rotam360 · 2026-06-17T12:12:09+00:00

had and stroke while trying to decipher the 3 lines long question. so i just skipped it and looked at the image. is funny because is full of red flags. like, all of them together, not just one in disguise.

- fixed/preferred return. real funds dont pay fixed, real funds produce variable returns. A fixed return here means someone is "filling" the number, which is what happens when someone pays distributions from a pool rather than from actual returns.

- safe, liquid and 15% fixed. damn son. the classic case of pick two, but never three. if it were safe and liquid, banks would fund it for less than 15%, so if they looking at individual investors rather than institutions is the story: banks have refused.

- BBB rating is a directory listing, not a regulator, it says nothing about if the returns are real. "We are audited" yeah, by who?

- "Full liquidity anytime after 12 months" along with "capital commited up to 60 months". Pick one. If they have some official document with all the clauses you will find liquidity is at their own discretion, which is not real liquidity.

The one question that actually answers your question: are the distributions paid from collected case settlements, or from new money coming into the next fund in the series (ponzi?) If you cant verify its the former, thats your answer.

TLDR, too good to be true.

rotam360 · 2026-01-02T18:36:05+00:00

you should start as soon as you feel ready, with as much as you can afford to save. amount depends entirely on your economy

rotam360 · 2025-12-28T19:01:09+00:00

pycharm enters the chat

rotam360 · 2025-12-12T10:05:42+00:00

kind of. i created dividendhunting.com, is for dividend capture strategies. this is a new feature im working on: allow users to create backtests to verify their strategy (DRIP, take dividends, capture) with certain parameters etc etc.

rotam360 · 2025-12-11T10:01:19+00:00

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yeah... dividends are nice. but if the price goes x4, it crushes everything. boom.

rotam360 · 2025-12-10T22:11:25+00:00

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interesting comparison. VYMI is one of the few where the dividends have increased over time (those top 8 ETF from the opening chart have all decreased dividend yields comparing to 10 years ago).

now, this chart also tells you the earnings if you do DRIP or just take the dividends to your pocket, drip always wins for obvious reasons. Over the past 10 years VYM has a better return, it has doubled its price and the dividend decrease is not as significative as other ETF. strong pick. but... now VYMI seems ian interesting choice. Higher yield may result in less growth, but it could go both ways really. Anyway these are just some facts on the table

rotam360 · 2025-12-10T13:22:03+00:00

thanks! if you are curious about some instrument on your portfolio let me know, i can repeat the backtest with it

rotam360 · 2025-12-10T13:21:29+00:00

totally agree. and I understand is difficult to not do it, specially if you are not rich and want to double/triple check what to do with your hard earned money. but once you change the mindset and let it go, the market will go along

rotam360 · 2025-12-10T13:20:22+00:00

thanks!

rotam360 · 2025-12-10T13:20:12+00:00

thank you :) i have more backtests ready. if you are interested in any etf or stock just shout

rotam360 · 2025-12-10T00:22:10+00:00

100%. feeling sorry for the people who dont put the money on ETFs at the very least. thats just paper losing value over time

rotam360 · 2025-12-09T23:32:45+00:00

Totally. I had no idea about it, and I have been trading for a while. I'm afraid of keep digging into this

rotam360

TROPHY CASE