premium Tier Analysis

The "Sleep Well" Portfolio: The Perfect 50/50 Split

The ultimate set-and-forget strategy using SCHD and JEPI.

DivAgent Research Team
2026-01-10
5 min read

Why This Works

SCHD and JEPI are mathematically complementary.

  • When the market rips (Bull Run): SCHD captures the upside. JEPI lags slightly but pays you.
  • When the market crashes (Bear Market): JEPI's defensive options strategy cushions the blow. SCHD's value stocks hold steady.
  • The Result: A portfolio with ~5-6% yield and ~8% growth potential.

The "Rule of 72" Test

With an estimated Total Return of ~10% (conservative estimate), this portfolio doubles your money every 7.2 years, while paying you monthly.

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