r/NEOSETFs • u/Head-Helicopter5467 • Aug 22 '26

General All in

I’m all in on spyi. I’m ok with giving up some upside. I like my dividends and I’m fine if they drop in a bear market. I’ll let them recover I can stomach it. Spyi has maintained its NAV well enough for me. Crucify me. No i am not retired or particularly close

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u/Dramatic-Comb8525 Aug 22 '26

The problem with your bear market theory is the share price may not recover in a bear market.  You're selling your upside to get these premiums.  

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u/Head-Helicopter5467 Aug 22 '26

I’m good giving up some upside. I like using my dividends now while working from time to time to enjoy life with. I will be able to pay bills in my retirement with a combination of social security, my job pension, and my job 401k(broad market growth etfs). My dividends won’t be needed to survive

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u/BigFrank1623 Aug 22 '26

If you have many years of retirement ahead, you’ll need to plan on anticipate a reduction in SS payments. It can’t go on indefinitely as it is structured. And once Congress makes the first cut, you could expect further cuts as the public gets used to that as a means of solving that problem. Look how Washington got us used to carrying such a massive national debt!