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Discover how a smart 4-fund portfolio can generate 8–10% income with real numbers and updated fund yields. I break down the actual yields, monthly income, and portfolio values to show you a powerful strategy for steady income generation. Whether you’re building wealth or seeking reliable cash flow, this simple yet effective portfolio model could transform your financial approach. Watch to see how these funds perform and why diversification matters for income investors!
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— TIMESTAMPS —
00:00 – Why Selling Shares in Retirement Erodes Your Portfolio
00:30 – Introducing a 4-Fund Portfolio for 8–10% Income
01:10 – Fund Allocation Breakdown: Covered Calls (JEPI & JEPQ)
02:00 – High Income ETFs: SPY, QQQI & IWMI
02:40 – Dividend Growth Fund: SCHD Allocation
03:10 – Growth Funds: VGT & SCHG for Portfolio Growth
03:40 – Income Contribution by Each Fund Explained
04:20 – Portfolio Yield & Total Expected Income on $500K
05:00 – Projected 5-Year Portfolio Growth Rate (4.7%)
05:30 – Year-by-Year Income & Portfolio Growth Examples
07:00 – Comparing Income-First Approach vs. 4% Rule
08:00 – Snowballing Dividends: Reinvesting Distributions
09:20 – Watching Portfolio Growth with Reinvested Income
10:00 – Using the Simply Money Retirement Template
11:00 – Setting Inputs: Starting Balance, Income Needs & Returns
12:00 – How Inflation & Social Security Affect Your Retirement
13:30 – Adjusting Growth Rates & Withdrawal Scenarios
14:40 – Social Security Impact on Withdrawal Needs
15:20 – Testing Different Income & Withdrawal Amounts
16:00 – Summary: Is This 4-Fund Strategy Right for You?
16:40 – Final Thoughts & Disclaimer
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Top Recommended Finance Books
Psychology of Money: https://amzn.to/3qRbaOd
Richest Man in Babylon: https://amzn.to/3PmFGJ9
Total Money Makeover: https://amzn.to/3syl4Vc
Simple Path to Wealth: https://amzn.to/3syl4Vc
Atomic Habits: https://amzn.to/3Z1wFs0
The Intelligent Investor: https://amzn.to/3qZXqAK
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