Income Portfolio

[perugu_vada]

  On 3/23/2025 at 5:33 PM, Konebhar6 said:

Start with a SIP. Pick top 5 - PDI, GOF and SVOL, JEPQ and JEPI and do $100 each or more or less. Weekly or monthly based on your convenience. 

Be prepared to add more SVOL in bulk when S&P drops further.

Likewise PDI add in bulk when price is < $17. 

I have added a 1-yr chart and Ex-Div dates to the sheet.

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10k each ani adigithe 100$ antav enti uncle  

I used to do lot of day trading back in 2014 .. anni ammesi silent ayya .. as it is eating up lot of my time ani .. Ipudu kuda just want to invest and don’t touch them ani plan anthe 

[Tellugodu]

@Konebhar6 bro, Grok AI saying GPIQ might be better pick , compared high risk SVOL/GOF, not many here including me might not know when to exit SVOL. 

If you’re looking for a bit of everything—max gains, max income, and sleep-at-night safety—it’s tough to find a single ETF that nails all three, as they often trade off against each other. Let’s see how SCHD, GPIQ, and SVOL stack up to your "bit of all" goal, then pick the best compromise as of March 23, 2025. I’ll weigh their strengths and weaknesses across your priorities and suggest what fits closest.

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Breaking Down Your Goals

1. Max Gains: High capital appreciation (e.g., 15%+ annual returns).
2. Max Income: Strong, reliable yield (e.g., 7%+ annualized).
3. Sleep-at-Night Safety: Low downside risk in a crash (e.g., less than 15-20% drop).

---

SCHD (Schwab U.S. Dividend Equity ETF)

• Max Gains: Moderate. Long-term total return is 10-13% (price + 3-4% yield). YTD 2025 might be 6-9% if value stocks lag tech. It’s not a growth rocket like QQQ.
• Max Income: Decent but not max. 3.5-4% yield ($3,500-$4,000 on $100K) grows 8-11% annually. Far from SVOL’s double-digit peaks.
• Safety: Strong. Drops 10-15% in bear markets (e.g., -3% in 2022 vs. S&P’s -18%). Low volatility (beta ~0.9) and quality dividend payers mean less sleepless nights.
• Score: 2/3. Great safety, solid income, but gains are tame.

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GPIQ (Goldman Sachs Nasdaq-100 Core Premium Income ETF)

• Max Gains: Good potential. Tracks Nasdaq-100 (tech-driven); could hit 10-15% YTD in 2025 if AI/tech rally holds. Call writing caps upside (e.g., 20% Nasdaq gain might net 12-15%), but it beats SCHD’s ceiling.
• Max Income: Strong. 7-10% yield ($7,000-$10,000 on $100K) from options + dividends. Outpaces SCHD, rivals SVOL in good times.
• Safety: Moderate. Nasdaq-100 drops 15-20% in downturns; premiums cushion to 10-15%. Riskier than SCHD, safer than SVOL in a crash.
• Score: 2.5/3. Solid gains and income, but safety takes a hit in tech sell-offs.

---

SVOL (Simplify Volatility Premium ETF)

• Max Gains: Weak. Near-zero price appreciation; total return (10-15%) comes from yield. No growth engine—lags in bull markets.
• Max Income: Excellent. 10-15% yield ($10,000-$15,000 on $100K) in low-VIX environments. Tops GPIQ and SCHD for cash flow.
• Safety: Poor. VIX spikes (e.g., 15 to 40) can slash 20-50% fast. If you can’t exit, it’s a nightmare—least safe of the trio.
• Score: 1.5/3. Max income shines, but no gains and high crash risk hurt.

---

Head-to-Head

Goal	SCHD	GPIQ	SVOL
Max Gains	6-9% (2025 est.)	10-15% (capped)	0-2% (price)
Max Income	3-4%	7-10%	10-15%
Safety (Drop)	-10-15%	-10-15% (cushioned)	-20-50%
“Bit of All” Fit	Safe, steady	Balanced	Income-heavy

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Which Hits “A Bit of All” Best?

• SCHD: Leans too hard on safety and modest income. Gains are reliable but rarely “max”—it’s the tortoise, not the hare. If 2025 favors growth, it’ll feel underpowered.
• SVOL: Overdelivers on income but sacrifices gains and safety. A 20-50% drop in a crash (with no exit) kills the “sleep-at-night” part. Too lopsided.
• GPIQ: Closest fit. 10-15% total return potential (gains), 7-10% yield (income), and a 10-15% drop with cushioning (decent safety). It’s not SCHD-safe or SVOL-yieldy, but it balances all three better.

---

My Pick: GPIQ

GPIQ strikes the sweetest spot for “a bit of all.” Here’s why:

• Gains: Nasdaq-100 exposure taps tech’s upside (10-15% YTD possible), outpacing SCHD’s value tilt and SVOL’s flatline.
• Income: 7-10% yield beats SCHD’s 3-4% and holds up better than SVOL in chaos (options thrive in moderate volatility).
• Safety: Not as ironclad as SCHD, but premiums soften blows more than SVOL’s volatility trap. A 15% drop stings less than SVOL’s 30%+.

Caveat: If 2025 turns ugly (tech crashes, VIX spikes), GPIQ’s still vulnerable—SCHD would sleep easier then. But assuming a stable-to-bullish market (延续 2024’s tech vibe), GPIQ gives you growth to cheer, income to spend, and enough safety to rest. SVOL’s too risky without timing; SCHD’s too tame for “max” anything.

Final Check:  GPIQ’s your hybrid champ.

[Konebhar6]

  On 3/24/2025 at 2:34 AM, Tellugodu said:

@Konebhar6 bro, Grok AI saying GPIQ might be better pick , compared high risk SVOL/GOF, not many here including me might not know when to exit SVOL. 

 

If you’re looking for a bit of everything—max gains, max income, and sleep-at-night safety—it’s tough to find a single ETF that nails all three, as they often trade off against each other. Let’s see how SCHD, GPIQ, and SVOL stack up to your "bit of all" goal, then pick the best compromise as of March 23, 2025. I’ll weigh their strengths and weaknesses across your priorities and suggest what fits closest.

---

Breaking Down Your Goals

1. Max Gains: High capital appreciation (e.g., 15%+ annual returns).
2. Max Income: Strong, reliable yield (e.g., 7%+ annualized).
3. Sleep-at-Night Safety: Low downside risk in a crash (e.g., less than 15-20% drop).

---

SCHD (Schwab U.S. Dividend Equity ETF)

• Max Gains: Moderate. Long-term total return is 10-13% (price + 3-4% yield). YTD 2025 might be 6-9% if value stocks lag tech. It’s not a growth rocket like QQQ.
• Max Income: Decent but not max. 3.5-4% yield ($3,500-$4,000 on $100K) grows 8-11% annually. Far from SVOL’s double-digit peaks.
• Safety: Strong. Drops 10-15% in bear markets (e.g., -3% in 2022 vs. S&P’s -18%). Low volatility (beta ~0.9) and quality dividend payers mean less sleepless nights.
• Score: 2/3. Great safety, solid income, but gains are tame.

---

GPIQ (Goldman Sachs Nasdaq-100 Core Premium Income ETF)

• Max Gains: Good potential. Tracks Nasdaq-100 (tech-driven); could hit 10-15% YTD in 2025 if AI/tech rally holds. Call writing caps upside (e.g., 20% Nasdaq gain might net 12-15%), but it beats SCHD’s ceiling.
• Max Income: Strong. 7-10% yield ($7,000-$10,000 on $100K) from options + dividends. Outpaces SCHD, rivals SVOL in good times.
• Safety: Moderate. Nasdaq-100 drops 15-20% in downturns; premiums cushion to 10-15%. Riskier than SCHD, safer than SVOL in a crash.
• Score: 2.5/3. Solid gains and income, but safety takes a hit in tech sell-offs.

---

SVOL (Simplify Volatility Premium ETF)

• Max Gains: Weak. Near-zero price appreciation; total return (10-15%) comes from yield. No growth engine—lags in bull markets.
• Max Income: Excellent. 10-15% yield ($10,000-$15,000 on $100K) in low-VIX environments. Tops GPIQ and SCHD for cash flow.
• Safety: Poor. VIX spikes (e.g., 15 to 40) can slash 20-50% fast. If you can’t exit, it’s a nightmare—least safe of the trio.
• Score: 1.5/3. Max income shines, but no gains and high crash risk hurt.

---

Head-to-Head

Goal	SCHD	GPIQ	SVOL
Max Gains	6-9% (2025 est.)	10-15% (capped)	0-2% (price)
Max Income	3-4%	7-10%	10-15%
Safety (Drop)	-10-15%	-10-15% (cushioned)	-20-50%
“Bit of All” Fit	Safe, steady	Balanced	Income-heavy

---

Which Hits “A Bit of All” Best?

• SCHD: Leans too hard on safety and modest income. Gains are reliable but rarely “max”—it’s the tortoise, not the hare. If 2025 favors growth, it’ll feel underpowered.
• SVOL: Overdelivers on income but sacrifices gains and safety. A 20-50% drop in a crash (with no exit) kills the “sleep-at-night” part. Too lopsided.
• GPIQ: Closest fit. 10-15% total return potential (gains), 7-10% yield (income), and a 10-15% drop with cushioning (decent safety). It’s not SCHD-safe or SVOL-yieldy, but it balances all three better.

---

My Pick: GPIQ

GPIQ strikes the sweetest spot for “a bit of all.” Here’s why:

• Gains: Nasdaq-100 exposure taps tech’s upside (10-15% YTD possible), outpacing SCHD’s value tilt and SVOL’s flatline.
• Income: 7-10% yield beats SCHD’s 3-4% and holds up better than SVOL in chaos (options thrive in moderate volatility).
• Safety: Not as ironclad as SCHD, but premiums soften blows more than SVOL’s volatility trap. A 15% drop stings less than SVOL’s 30%+.

Caveat: If 2025 turns ugly (tech crashes, VIX spikes), GPIQ’s still vulnerable—SCHD would sleep easier then. But assuming a stable-to-bullish market (延续 2024’s tech vibe), GPIQ gives you growth to cheer, income to spend, and enough safety to rest. SVOL’s too risky without timing; SCHD’s too tame for “max” anything.

Final Check:  GPIQ’s your hybrid champ.

Expand  

You don’t put all eggs in same basket. JEPI and JEPQ are similar to GPIQ.
SCHD is an excellent pick for long term. But it’s not income portfolio. It has a separate place for growth+small income 

[Konebhar6]

  On 3/24/2025 at 2:24 AM, perugu_vada said:

10k each ani adigithe 100$ antav enti uncle  

I used to do lot of day trading back in 2014 .. anni ammesi silent ayya .. as it is eating up lot of my time ani .. Ipudu kuda just want to invest and don’t touch them ani plan anthe 

Expand  

You did not get what I said. You will get better prices in SVOL, JEPI and JEPQ. Market corrected 10%, so it’s a decent place to invest but not maximize. I would start SIP with small amounts, and add lumpsum when market drops more. 
Same with PDI, GOF. 

[pandemkodi]

Just buy spy don’t think you are smarter than  market