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

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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.

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.

 

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

Not sure I would make a judgement on either QQQI or SCHD based on comparative returns vs. the other.

Ferrari vs. John Deere

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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