How to use REITs and BDCs to create a tax-free income machine.
REITs (O) and BDCs (MAIN) are required by law to pay out 90% of their taxable income. This means they pay Ordinary Income dividends (taxed at 37%).
By holding them in a Roth, you convert that 37% tax bill to 0%.
JEPQ's distributions come from ELNs (Equity Linked Notes), which are also taxed as Ordinary Income. In a taxable account, JEPQ loses to QQQI. In a Roth, JEPQ is a monster.
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