The Allocation Strategy
We use a "Core + Satellite" approach. The Core protects you; the Satellite pays you.
Verified Strategy
The $500k Retiree
Est. Yield
9.70%
Monthly Income
~$4,040/mo
Copy to DivAgent
*100% Free for first portfolio.
Allocation Breakdown
DIVO (Dividend Growth)30%
SPYI (S&P 500 High Income)30%
QQQI (Nasdaq High Income)20%
JEPI (Defensive Equity)20%
Why This Mix?
The DIVO Layer: At 30%, DIVO provides the NAV growth. You need this because SPYI/QQQI/JEPI will likely have flat NAVs over time. DIVO fights inflation.
The SPYI/QQQI Layer: This is the heavy lifting for income. Using tax-efficient funds here ensures you keep more of that $4,000/month.
Stress Testing
Scenario: 2008 Crash (-40%).
Your portfolio value drops to ~$350k. Your income likely drops to ~$3,000/month (since options premiums stay high in crashes, but asset base shrinks).
Verdict: Survivable. You still have cash flow to live without selling shares at the bottom.