Adding JEPI & JEPQ to my 3 ETF Portfolio (Best Monthly Dividend ETF!)

[@NolanGouveia]

Get your free AI store builder: www.buildyourstore.ai/professor-g Now with 3 months Shopify plan for only $1/month!

[@krisinva]

I started buying JEPI 2 years ago and it has been good to me so far. Not huge growth, but staying up enough that I continue to buy and stay "in the green".

[@JeffTeeples]

Great video on JEPQ & JEPI. You covered the pros and cons in a clean format that is easy to understand. I like JEPQ the best, but a lot of it has to do with SCHD being a big chunk or my portfolio. I agree it only makes sense to invest in JEPQ when you: 1) are in or close to retirement 2) need cash-flow now to pay bills (usually when in retirement, but some exceptions out there). I agree that QQQM or VOO are better for the accumulation phase.

[@NolanGouveia]

I appreciate that!

[@juicyfruit100x]

Jeff Teeples is the best!!

[@louisw4390]

I love your work Jeff!! Professor G's also. You guys rock!!

[@srourfamily]

jepq and schd are great to have both

[@dropTheTwoPartySystem]

I think JEPQ is good anytime. I use to for cash-flow to buy other ETFs and Stocks.

[@SiemcoMS]

Much like how you are informing watchers of where they fit in the 3-fund portfolio - appreciated.

[@fosfool3773]

The tax tip for Roth was great. I always have tax questions on these videos. Thank you!!

[@ScottiePierce-wt8nv]

You are one of the few KZbinrs I listen to. Thanks for all you do. How about a video on yieldmax ETFs?

[@NolanGouveia]

I appreciate that! I’ll consider it!

[@Particle_Ghost]

I'm part of the Fire Movement. An allocation of 40% SCHD, 30% JEPI and 30% JEPQ is good. DGRO is also good, you could do 25% of all 4 and be fine. 💪

[@RonAlfonse-t7y]

I was part of the FIRE movement back in the day before they had a name for it. Then 2000 and 2008 happened and almost wiped me out. Godspeed

[@khanbus]

My favorite covered call ETF’s , JEPQ, SPYI, QQQI and GPIX

[@richardjohnson1261]

Timely and useful information as always, Prof G. Thanks. I invest in both Jepi and Jepq, mostly in tax protected investments. I invest in SPYI in my brokerage account as this fund also has a very high, monthly dividend and it's more tax friendly. Unlike Jepi and Jepq, which pay early in the month, SPYI pays later in the month. Depending on your preference, this can provide cashflow balance. Thanks for your insight. Cheers

[@NolanGouveia]

Very good idea and points! Thanks for sharing

[@amritaannabella]

My investment portfolios are Bitcoin, ETH and XAI34L

[@Wutang3737]

Don’t invest in xai34l it’s a scam

[@eliseann99]

XAI34L is still extremely undervalued

[@decyfer5302]

CRINGE

[@adamhatcher6620]

😂

[@TJC6626]

SPYI has done very well for me this year I got some appreciation and tax efficient month income

[@TheOriginalTucriah]

I'm building a position in both. I'm using the distributions from them as income to invest in my other holdings.

[@LKtube1]

I went into JEPI and JEPQ this month with 55K each. Looking forward to my first divs from these two! ... They are in my and the wife's brokerage IRAs.

[@daukamata]

Just watched your video discussing XAI34L and I am very excited about this

[@Wutang3737]

Don’t invest in xai34l it’s a scam

[@julianf40ify]

I had actually sold off my JEPI and went with GPIX having the underlying s&p500 stocks and have been pretty good with the monthly div so far being consistent and having growth as well

[@TW-ks9fm]

How much percent

[@ransonhall4834]

GPIX and GPIQ are solid, but ISPY and IQQQ are better imho. Both are dependent on Goldman. ISPY is a 1DTE, less likely for nav erosion.

[@wawahoang]

Thanks for the advice! Got XAI34L, feeling bullish! 🚀

[@logicae4096]

I do JEPQ and SPYI in my taxable account. At 48, my IRA and Roth are focused on growth... till 59. Then I'm converting them to dividend generation portfolios.

[@staceyadams3972]

JEPQ belongs in your ROTH or IRA, not your taxable brokerage account due to the majority of the income is in the form of non qualified dividends.

[@joshuawilliams6153]

Also, you’ll miss out on too much growth if you’re young. Definitely agree with only using it if you have the capital

[@GameCastTwoThousandThree]

I bought into JEPQ when you created the 3 ETF Portfolio. Its been decent for now.

[@NolanGouveia]

Good move!

[@GertKruger-vf3re]

These kind of ETFs are ideal for retirees. Put enough in one of those to supplement your cashflow and invest the rest of your portfolio in a high growth, ETF like QQQ for capital appreciation. When the market is up, take some partial profits (from say QQQ) and buy more JEPI or JEPQ and that way boost your monthly cashflow. No need to sell equities in a down market and therefore no need for bonds which just lose money over the medium to longer term. I'm 70, live in Canada, have HTA and HTAE (Toronto exchange), covered call ETFs as my secure monthly cash-cow and HQU for capital appreciation and to take profit from when on offer. I don't have a penny in bonds. (HTA is already 10 years in the market and proved itself).

[@NolanGouveia]

Very good point!

[@me0101001000]

I have a bit of these two in my Roth. I'm too young to own a large amount of either of these, since I don't really need the income, but those dividend notifications feel nice, and I don't want to be taxed on it right now.

[@yospa5074]

Since SCHD has more growth potential and a lower expense ratio, would that counter the benefit of the higher dividend yield of JEPI?

[@vederamsaran9319]

Would love to see a video on securities backed lines of credit…and your thoughts on these…whether you think these should be utilized rather than selling shares for funding large purchases…thanks!

[@Steo515]

Great video, I like your strategy. We can all learn from one another. I have 3 ETF’s as the foundation to my portfolio for retirement when I’m 55. Foundational ETF VOO 50% High risk, High reward growth SCHG 25% Safe /stability dividend ETF SCHD 25% I add to all 3 on a monthly basis keep them growing DCA. I’ll shift to more aggressive dividend contribution when I’m in my 50s

[@mac41776]

Thanks, I'm invested into spyi and jepq

[@OscarCastillo-fl9dw]

Amazing thank you professor G definitely will be in my ROTH IRA once I’m ready for retirement. I would sell my VOO and QQQM when the time comes and invested in both JEPI and JEPQ since I already have SCHD right now on my ROTH. That will be an amazing cash flow tax free. 😊

[@edwinzakrzewskijr7008]

I buy JEPI and JEPQ monthly dividends and some capital appreciation Recommend both

[@mjs28s]

They came in handy as a base of "core" income to which I am diversifying slowly away from, by reinvesting unspent dividends into more growth & income holdings and individual stocks, as my dividend raisers do their job. Each year going forward JEPI and JEPQ will be smaller and smaller portions of my holdings.

[@jackwilson3121]

I started buying JEPI & JEPQ after I retired along with DIVO, IDVO & QYLD.

[@hansschotterradler3772]

FYI, JEPIX, the mutual fund version of JEPI, has been around since June, 2019. I hold both JEPI and JEPQ. My other CC ETF is DIVO; is has a higher expense ratio, but I like its low beta of 0.66. Means great risk-adjusted returns. All of them are in tax deferred accounts.

[@kev13nyc]

keep pumping out those financial informational videos Professor G!!!!

[@elexisrice5719]

I have watched almost all of your videos.. do you have others on the income producing etfs in addistion to jepi and jepq

[@NolanGouveia]

Soon!

[@gabeg2434]

Thanks as always for your wonderful and sensible advice. 🤛

[@livingontheedge8680]

I hold SCHD, JEPI and DIVO. Reinvesting until I decide to start pulling passive income upon my pending retirement.

[@BirdDog99]

Great video… at the age of 69 and recently retired I am very interested in income producing strategies that also focus on some growth. I am a great fan of SCHD, JEPI and JEPQ and have significant postions in my tradional IRA. Like to see more videos on strategies for retirees. Keep up the good work😎

[@rkl8830]

Thanks for the advice. Had a question. How about investing these two (JEPI & JEPQ) in Rollover IRA now and then do a part conversion of Rollover IRA (involving these two ETFs only) to ROTH after retirement, when tax is lower?

[@lendara40]

Hitting on all points so well Prof G! I am glad I converted some of my relative small JEPI position into a more solid foundation ETF. I’ll definitely revisit these but when I’m way older 😅. Awesome video as always!

[@NolanGouveia]

I appreciate that my friend! Thanks for the continued support!

[@stopaheartbeat]

1/3 VOO 1/3 QQQM 1/6 SCHD 1/6 JEPQ

[@saurabhkulkarni2177]

Well u can simplify it by 3 find portfolio, just increase bond-% and get more yield plus sell some of ur acc for similar cash flow, acc will still grow

[@tqn.angl3288]

great informative video, thanks 💯🤑

[@jacksonodhiamboonyukah.6853]

This is great. Thank you for the information. I plan to reach out for your help.

[@NolanGouveia]

I’ll be on the lookout!

[@bossballheaddawg2588]

Excellent!!!! I was thinking thinking this about 2 weeks ago!

[@cindythach3248]

Great video, I have SPYI and QQQI in my Roth

[@boutiquehotelglobe7521]

I already have both ETFs in my portfolio. Thanks for the video!

[@Growing-Our-Retirement]

Great choice. I think I mentioned them here months ago. Take the dividends and ride out the rough spots. Excellent yields! To do better you would have to sit and sell covered calls all day long.

[@dianeswny7230]

Thank you so much for your videos! I have learned so much, and look forward to learning even more. I would love for you to do a video comparing JEPI to DIVO & how one might add them to the SCHD income/stability portion of a ROTH IRA portfolio for those within striking distance of retirement. Thanks so much!

[@ophirmayer1]

Prof. G, many thanks for this important video! In terms of taxes, some funds deploy a Return of capital tax strategy to minimize dividend taxation. Examples would be neos' SPYI and QQQI. Would love to hear your take on those! Thanks

[@TheMicahsalinas]

Good stuff ProfessorG

[@NolanGouveia]

Thankyou!

[@ericcarr7557]

I mentioned JEPQ in comments on your video months ago about high yielding liquid savings account! I love these as an alternative to putting money in a 4% Yielding savings account

[@NolanGouveia]

I think I remember that!

[@ericcarr7557]

@ they seem to be holding their value well enough to be good store of money earning a nice return until I figure out where I want to redistribute it.

[@BeauT2118]

Someone like this for me so I can come back in the morning

[@anonymous6594]

Would you consider creating a playlist for all your ETF videos?

[@ParsonLarson1]

I will be retiring in February, and my plan is to use 50% SPYI, 40% QQQI, and 10% IWMI in my Roth for income. This should give me a yield of around 13%. However, I plan to reinvest 5% of that back into them as a hedge against inflation, and to provide a buffer when the market drops. Although the NAV appreciation has kept up with inflation this year, I am not counting on that. I like these funds because they have a target dividend yield, which makes planning easier. I like the fact that they are writing calls on the actual index, unlike the J's.

[@donkemp8151]

One way to use your Roth. Another is to invest in high growth potential stocks for long term appreciation with no taxes due ever.

[@DilipBhatiya-rq2qk]

Please let me know what you think about ETFs ISPY, and SPYI. See if you can compare and make a video about them. Thanks.

[@crizdancemedia]

What about SPYI & QQQI? Especially for taxable accounts

[@NunziaBartosik]

Thank you so much for this amazing video! Just a quick off-topic question: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?

[@joshhaimes]

Nice clear video, thanks!

[@NolanGouveia]

You’re welcome

[@jdomsmith]

Was thinking of trimming my taxable portfolio down to SCHD, DGRO, and JEPQ...

[@johnketh-n9v]

I’ve tried investing in various things that didn't work out as I hoped. I'm now considering ETFs as a more reliable option. What are the best ETFs for a rookie investor?

[@JonesMichaeltop]

JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.

[@Turk-hy3wz]

An ETF with more risk and payout is QDTE. It pays weekly but is higher risk because it just came out this year. The fund is based on covered calls which make money in any market, up or down.

[@ChristianJacquet9]

Caution is key when investing. For those starting out, consider reliable ETFs like SCHD and SCHG. Working with a financial advisor can provide personalized guidance. Personally, my advisor has helped my portfolio yield over 300%, totaling nearly $1 million.

[@bradhankins-x5j]

@@ChristianJacquet9 Impressive gains! How can I get your advisor, please? I could really use their help, my financial situation could use a boost.

[@ChristianJacquet9]

I’ll be kind to leave just his name here ''Glen Howard Chester''. he's a renowned figure in the financial sector with over two decades of experience and an aum of over 500m usd.. I'd suggest you research him further on the web

[@Goran-qt9pu]

Thank you professor G! Everyone is talking about these ETFs in Roth but is it a good option for 401k form the tax prospective?

[@jasonwright1861]

well said professsor

[@bonanzatime]

Great sound, sober, accurate advice As Always, Professor G.👍👍

[@CalmerThanYouAre1]

Pass on both JEPI and JEPQ for me. QQQI and SPYI would be my choices for the high yield fund category. Much better tax treatment!

[@juliocs5483]

Different strokes for different folks…these I believe are good for older investors in retirement or close to retiring.

[@Sylvan_dB]

@@juliocs5483 These are all about the same "stroke". All four are high yield, covered call income funds. JEPQ and QQQI are both Nasdaq 100 covered call income funds. JEPI and SPYI are both S&P 500 covered call income funds. The biggest difference is JEPI and JEPQ do not necessarily each hold their complete index but instead each holds a subset selected (trying) to be lower volatility.

[@一点一滴学英文]

Thank you for sharing. Jepi or jepq are high in dividend but may not catch up with appreciation

[@enterdata]

I also invest in KLIP which pays about 50% dividend on a monthly basis.

[@RichardReuven]

In my income portion of my portfolio, i have 15% DIVO and 15% QDVO. They are covered call etfs witht less yield, but more sustainable growth than JEPI and JEPQ which i own 10% each and SCHD 50%. All in my ROTH, i am 71

[@RichardReuven]

I meant to say my ETF income portion of my portfolio, I also have a 10 individual stock income portion

[@ophirmayer1]

JEPI, JEPQ, GPIX (Goldman Sachs's Jepi equivalent than pays a % more) and YMAX (just for fun, terrible idea :))

[@markpeterson03275]

I don’t understand ELNs and their risk to the liquidity of my money invested in these funds so I’ve been reluctant to get enticed by these large dividend yields. Also, JEPI’s share price has been mostly flat when you go back to 2021 so I still like SCHD’s chances better even with the lower yield. Unlike a CD or T-Bill I don’t think it’s wise to pull out our calculators to figure out our monthly payment schedule when the dividend isn’t guaranteed.

[@joelnv2050]

How do you feel about AIPI in a Roth IRA

[@stk6mkt]

Excellent video professor. Right now my three biggest positions are JEPQ, JEPI and SCHD, roughly 2,000 shares each. Really like your three ETF breakdown for more safety.

[@NolanGouveia]

Thanks for sharing!

[@FurryHippoFinance]

Amazing content I invest in the SCHD and VYM currently with a lower percentage but have looked at a few call options with JEPI as well maybe int eh future. The thing for me is just getting a higher balance like you had said then moving into the income to supplement the SSI.

[@NolanGouveia]

I like your style

[@ICBTIS]

Hi professor, would you buy a high yield dividend stock/etf like “GOF” that pays a yield of more less of 13.88% monthly on margin from your VOO/VTI or SCHD holdings that cost you more less 6.08% ?

[@ICBTIS]

And thank you very much for all the great videos!! I follow your 3 ETF portfolio strategy. 👊😎

[@michaelhuber1107]

Jepq is hard to beat for diversified covered call etfs with the out of the money options.

[@michaelhuber1107]

💯

[@jdgolf499]

I retired last year, and I have JEPQ as one of three dividend funds in my HSA, which will generate about $1400 annually in dividends. My question about JEPI and JEPQ is, while there could be price volitility, what about the dividend? Would they also be very volitile!

[@tirevelation777]

I like DIVO & SPYI for CC ETFs

[@rpdrpd4153]

Another great video Professor G! I have been looking at these two ETF's for a bit and I am so glad you did an in-depth video explaining them and their uses inside an investment portfolio. Quick question, the YTD gains on the two that you showed, are those gains just the dividends for the year up to now or is that the price appreciation NOT including the juicy dividends? Thanks!

[@Venus_LakeandSky]

Great input!

[@NolanGouveia]

Thanks!

[@DougVanKessel]

How about SPYi 11:36 and or Qqqi??

[@nehemiahbarrett4432]

What do you think of SPYI?

[@tirevelation777]

Fav cc etf

[@markfulmer2135]

Professor G, could you please make a short video comparing SPYI to JEPI? SPYI is now up to 2.5 Billion AUM and has a consistent 10-12%. Thank you!

[@bjlochow7136]

I converted my 401k to a ROTH IRA this year. For my dividend ETFs I have 15% SCHD and 15% JEPI in the ROTH. I would not put JEPI or JEPQ in my brokerage account either. Great advice!

[@CraigMaiman]

I'm retiring next month and have oriented my portfolio toward dividends, but still some growth. For income, I have JEPI, JEPQ, SCHD, SVOL, SPYI, CGCP and VGSH. My more growth-oriented portfolio includes: VBR, SPMO, VFLO, and several stocks.

[@CraigMaiman]

BTW, the vast majority of those are in IRA accounts, so anything coming out will be taxed as income.

[@JohnnThomas]

I already have both in my portfolio , also adding DIVO, SPYI & QQQI

[@MixinGasGarage]

What about SPYI and QQQI?

[@Hogue_Indiana]

I have SCHD and DIVO in my roth.

[@johnheine4099]

Scm, qqqy, svol, pflt, and qdte are some that I've been trying out this year. Monthly and weekly paying dividends are nice

[@robertm348]

You should be stressing four points that are germane: (1) You are going to give up growth for dividends, which is not always bad, but you are being forced to pay taxes that you would not normally have to pay. (2) You are willingly giving up one of the most important aspects of investing - the magic of compounding to build wealth. (3) The dividends are nonqualified, so you will be taxed at a higher rate. (4) Both ETFs charge a hefty .35% Expense Ratio, which is twelve time what VOO charges. Bottom line: you are leaving money on the table by investing with JEPI and JEPQ.

[@NolanGouveia]

I said all of this, but #2 is incorrect since there is still a compounding effect with these.

[@robertm348]

@@NolanGouveia How so? You are taking your dividends, so how can it compound?

[@nickramac8532]

DRIP dividend reinvestment program

[@a.b9629]

My question is…. Are they gonna stay or are they going to expire?

[@chags3512]

The answer is both :)

[@TeamJB865]

What are your thoughts on the yieldmax covered call ETFs, specifically YMAX and YMAG? Have you created a video on these ETFs yet?

[@reptilianskin]

Trying to figure out if these two investments have any merit for a Canadian investor. The dividends would be subject to NRT in a TFSA. The dividends would not be subject to NRT in an RRSP or RRIF, but withdrawals from RRSP/RIF are fully subject to tax. Plenty of covered call ETFs in Canada, though their performance is not stellar.

[@2coryman]

This is good , cheers

[@omegacollects]

In my ROTH I started doing 65% SCHD 11% DGRO 12% JEPI 12% JEPQ 💪🏾

[@NolanGouveia]

Solid cash flow

[@DK-pr9ny]

I prefer more aggressive growth in my Roth since the gains are tax free.

[@kagors4491]

Covered call ETFs for retirement income. If you are young i recommend capital appreciation first especially in your Roth Ira. Dividends tax free in a roth !!!

[@tommynybeck5106]

Please show how to make your 3 fund portfolio in a 401k I have a 457b and hard to understand how to make your 3 fund portfolio with some of these options I have in my 457b, only one I can tell right away is the S&P option!!!!!

[@jeffmartin3049]

I have JEPQ\ JEPQ and QYLD in my Roth

[@HunterM09]

SCHD/DGRO/JEPI/JEPQ for me

[@NolanGouveia]

Solid cash flow right there!

[@kamille.8692]

Always 👌🏽 for “three”

[@NolanGouveia]

👌👌👌

[@H2OEcoFit]

I understand how these funds lack tax consequnces in a Roth IRA, but for someone in retirement there seem to be no tax downsides to dividend funds in a traditional IRA either. It is all taxed as income.

[@linhdoan7925]

Are they better than qqqy & tsly?