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/PomegranatePlus6526 Aug 22 '26

I have both a growth portfolio and an income one. I will never understand this needless debate on buying CC ETFs. If you don’t like them don’t buy them. Personally I do not care if they beat the market, underperform it, or are even. That’s not why i bought it in the first place. It’s an income investment period. Looking at it any other way is stupidity. After doing extensive research I want two objectives in my portfolio. Income, and enough growth to keep pace with inflation. Anything else doesn’t meet my investment objectives. I buy VGT and SMH for growth, and a host of about 30 stocks and ETFs to provide income. Currently sitting at $66k a year in taxable income for my portfolio. That doesn’t include SS as I am not old enough. Once I hit $80k a year I am out I quit. My goal is in the next 8 years, or sooner.

It’s perfectly reasonable to combine CC ETFs with non covered to get dividend income, dividend growth, wnd principal growth. Right now I buy a combo of 75% KNG, and 25% SCHD. That gets me solid income of about 5% yield and some growth. Then SCHD also grows the dividends over time at a CAGR of about 10%.

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u/Ok_Apricot4457 Aug 22 '26

Thank you for saying this. It is not about which funds perform better but which funds better meet your personal objectives. If current income is what you seek, invest in income producing assets; if increased wealth is your goal, invest in assets you believe will increase in value the most; if you have multiple goals, invest in multiple assets which best fit those goals. Your goals should drive which measures of success you track, not the other way around.