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All Encompassing Investment and Financial Planning Thread for the Surly 99.5%


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Posted


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The man literally asked where he can get great yield and the fund has stable NAV. SPY and QQQ safely follow the S&P 500 and the NASDAQ 100 and move upwards. SCHD has safely moved nowhere and microscopically beats inflation with its yield, simpleton.

  • Hook 'Em 1
Posted

Correct, best yield for less risk. 
We plan to leave in a trust account for the long run for our heirs, and will add a lot more if & when a valuable property is sold. 
Am not interested in withdrawing any dividends - just leaving them to build up.

 

  • Hook 'Em 1
Posted (edited)

Gotcha- there is a difference between qualified dividends in SCHD and the distributions from SPYI and QQQI. I don't know how the trust account works with taxes but in an ordinary brokerage the distributions are still taxed if reinvested from SPYI and QQQI at 60% long term/40% short term, but whatever ROC% gets applied affects the math.

Edited by StassneyHorn
Posted
On 12/4/2025 at 3:00 PM, StassneyHorn said:

SPYI and QQQI dogwalk SCHD.

 

On 12/6/2025 at 7:18 PM, Jack Handey said:

What does dogwalk mean?

I disagree with suggesting SPYI or QQQI when someone indicates they're interested in a dividend strategy. These are not dividend ETFs but rather operate a financial strategy with covered call options to generate income. I have zero problem with someone using these ETFs to earn income but it's wrong to infer that they're a stable entity.

Someone should also be careful of buying them without fully understanding the tax implications. There is more of an argument to use them in a tax advantaged plan, especially Roth, as opposed to a taxable brokerage account.

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