Simply Money: SCHD vs GPIQ vs Covered Calls The Real Numbers After 10 Years

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Which income ETFs actually beat the market? In this video, I backtest 10 popular income ETFs including SCHD, GPIQ, covered call funds, high-yield strategies, and hybrid dividend ETFs to see which ones truly outperform over time.

Instead of chasing yield, we’re looking at total return, portfolio growth, income generation, DRIP vs no DRIP scenarios, and long-term compounding. Some high-income ETFs look powerful early — but do they hold up over 5–10 years? And can any income ETF actually outperform the S&P 500?

We compare:
• High-yield covered call ETFs
• Dividend growth ETFs
• Hybrid income + growth funds
• Broad market benchmarks

Full spreadsheet breakdown. No hype. Just numbers.

If you’re building a retirement portfolio and relying on income ETFs, this analysis matters.

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00:00 – Retirement Income Reality Check
00:46 – Simply Money Portfolio Planner Overview
01:28 – Selecting Funds (Up to 10 ETFs)
02:04 – Yield & Appreciation Auto-Populate
02:36 – Conservative vs Moderate vs Aggressive Allocations
03:42 – Portfolio Yield & Income Calculation
04:48 – Adjusting Risk & Yield Strategy
05:12 – Income, Growth, REIT & Covered Call ETFs
06:09 – DRIP Years & Projection Settings
07:30 – Forecast Model Explained
08:45 – DRIP Compounding Results
09:24 – Turning DRIP Off (Income Phase)
10:23 – Model Comparison: Conservative vs Aggressive
11:04 – ETF Data & Yield Assumptions
11:39 – Deposit Rules Setup (Monthly, Annual, Lump Sum)
12:09 – Inflation-Adjusted Contributions
13:17 – One-Time Lump Sum Example
14:29 – Deposit Allocation by Fund
15:30 – Forecast Pro (Advanced Income Modeling)
16:18 – Income Generated vs Paid vs Reinvested
16:50 – Monthly Deposit Impact
17:08 – Portfolio Growth After Lump Sum
18:16 – Switching Risk Models
18:59 – Long-Term Retirement Forecast
19:31 – Custom Portfolio Scenarios
20:24 – Single ETF Comparison Mode
20:48 – Final Thoughts & Disclaimer
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