How to shift from VIG to JEPI as you approach retirement.
Phase 1 (Accumulation): You don't need income. You need Total Return. VIG's 1.8% yield allows companies to reinvest for growth.
Phase 2 (Transition): You need to start building the "Yield on Cost" engine. SCHD is the workhorse here.
Phase 3 (Distribution): You stop working. You need Cash Flow. JEPI and JEPQ convert your volatility into rent money.
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