OptionGrowthTrader

$SPY, $QQQ, $SMH

In my head I think, damn I finally won the race, I can retire!! Best part this is only 25% of my portfolio. What will this account look like in 10 years ?

My weekly $BLOX dividend and I went shopping . Projected yearly income 400k.

@tommking7 Exactly what I’m doing

A 4% withdrawal rate will stress you out for the rest of your life.😨 Praying your balance lasts. Cutting spending in down years. Hoping you don't outlive the money. There's another way — build a portfolio designed to generate 13-15% in income annually, so you're living off distributions, not selling shares and reducing your accounts. Your balance stays intact. The income just shows up. Retirement isn't a number. It's a cash flow problem.

@HighYieldHustle How about 1 million?

$100,000 in $BLOX pays $3,000 per month in dividends. No boss. No commute. No waiting for a pay raise. That’s not just passive income. That’s purchased breathing room.

@SCHDETF @NortheastHQ Why not $DIVO instead of $SCHD?

Good question. You can say that about $SCHD to some extent, that’s fair. The difference for me is what you’re giving up vs what you’re getting. With $SCHD, you’re still targeting strong total return, just with a tilt toward quality, value, and reliable dividend growth. The income is more of a byproduct, not the main tradeoff. With $JEPQ, $GPIX, $QQQI, the income is the strategy, and it usually comes at the expense of upside because of the covered call structure. That’s where the gap vs the index tends to show up over time. Another big difference, probably the biggest, is what you’re actually exposed to. Owning something like $QQQI is still a bet on $QQQ. If the Nasdaq goes into a bear market, you’re going with it. Same idea with $GPIX and $SPY. $SCHD is different. It doesn’t hold the same stocks and tends to be more defensive, which is part of the role it plays. And on the income side, there’s a key distinction too: Covered call payouts can fluctuate and often drop in weaker markets since they depend on option premiums and market conditions. $SCHD’s dividends, while not guaranteed, have historically been much more consistent and tend to grow over time through different market cycles. At 48 and diversified like you are, I think it makes a lot more sense. You’re closer to actually using that income. My question is more for someone earlier on who doesn’t need the cash flow yet. That’s where I struggle with the tradeoff. Appreciate you sharing your setup, sounds like a thoughtful mix.

Honest question: Why invest in $SPYI, $QQQI, $JEPQ, $GPIX, or $GPIQ when you’re not in or near retirement? Especially if you’re in your 20s or 30s. I go back and forth on this all the time. I get the allure of that fat monthly payout… but it’s not free. You’re giving up upside and total return to get it… the underlying index almost always outperforms. Since $QQQI (inception: Jan 29, 2024) launched, total return shows it clearly: Nasdaq-based: $QQQ: 68.94% $GPIQ: 62.73% $QQQI: 57.63% $JEPQ: 48.01% S&P 500-based: $SPY: 55.34% $GPIX: 49.31% $SPYI: 44.45% To be clear I don’t dislike these funds at all. They’ve actually performed well and I understand the appeal. I’m genuinely curious how others think about this. What are the best reasons to own these before retirement?

@SCHDETF Forgot I like $IYRI and $NIHI as well.

I’m 48, have enough to retire. 3 million equally into $BLOX, $DIVO, $OVL, $QQQI, $SPYI, $CHPY would give me enough income to live and not touch principal. I then plan on using another 2 million for growth mutual funds and ETFs like $SPY, $QQQ, $SMH, sell otm cc on those. Lastly 1 mil to continue selling options like what I do already. I’m very transparent with my trades.

@AurelienChmpl Minus the margin why not

Sometimes I think about putting all my money and margin available into $QQQI, it would give me an income of about $4.4k/month. I would never do that as it feels too risky but it’s kind of nice to think about it 😊 If you had to sell everything and reivest into one ETF, which one would you choose?

@JurisDoctorDoom @GuyTalksFinance Nope CRNA last 20 years.

@OptionGrowth @GuyTalksFinance Are you doing it at 40?

Unpopular opinion: making $70,000 yearly is still a great income in 2026. You might not be able to buy lunch everyday — but you can still live a comfortable lifestyle.

@JurisDoctorDoom @GuyTalksFinance I did that in college.

@GuyTalksFinance @OptionGrowth Eat gruel. Bathe in the rain. Read by the light of burning trash.

$ONDS

@Crypto_Force_1 @DevotedDividend My thoughts exactly

@DevotedDividend My stretch goal is $1M BLOX. It's a sleeping giant when BTC starts to run.

Keep STACKING! 💸🤑📈 $50 into $BLOX earns ~$18/year $500 into $BLOX earns ~$180/year $5,000 into $BLOX earns ~$1,800/year $50,000 into $BLOX earns ~$18,000/year

@sampar57 Like it

$NOW

@fantasypad I was watching chart and saw support reversal

@OptionGrowth You’re back! Nice trade.

$NOW

@MiniRetireMatt Thank you grandfather, he gifted 10k of $T

@OptionGrowth Now that’s starting early!

Serious question: How did you make your first $1,000,000?

@MoInvestingHQ I’d throw 75% into $QQQ, $SMH, $SPY. 25% your picks

I'm 27, picking my own stocks Plan on beating the index of course Should I just throw it all into $VOO and chill?

@sampar57 Like it! $NOK 💪

$NOK