premium Tier Analysis

Retiree's Choice: Stability First

Prioritizing NAV preservation over maximum yield.

DivAgent Research Team
2026-01-03
5 min read
Primary Goal
Preservation
Beta
0.60 (Very Low)

The "Sequence of Returns" Risk

If the market drops 20% the year you retire, and you are withdrawing 4% to live, you will deplete your portfolio so fast you might never recover.

You need assets that don't drop as much as the market.

The "Stability" Mix

  • 50% JEPI: The anchor. Low beta stocks + ELNs. It tends to hold up better in crashes.
  • 30% DIVO: The quality check. Only blue-chip companies with strong balance sheets.
  • 20% SCHD: The inflation hedge. Companies that raise dividends every year.

Why No SPYI/QQQI?

SPYI and QQQI are great, but they are 100% exposed to market beta. If the S&P drops 20%, SPYI likely drops 15-18%. JEPI might only drop 10-12%.

For a nervous retiree, that difference is the difference between panic-selling and staying the course.

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