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Can you build a FIRE (Financial Independence, Retire Early) portfolio without relying heavily on high-yield covered call ETFs?
A subscriber challenged me to build a portfolio using just five ETFs:
SCHD
SCHG
SPMO
GPIQ
GPIX
In this video I build three different FIRE portfolios—conservative, moderate, and aggressive—and compare them using both the Simply Money Portfolio Planner
and the Simply Money Retirement Stress Test.
We’ll look at:
Portfolio allocations
Income generation
Long-term growth projections
Monte Carlo retirement stress testing
Withdrawal sustainability
How much you may need to retire early
The goal isn’t to find the highest yield—it’s to find the balance between income, growth, and long-term financial independence.
If you’re planning for retirement or FIRE, this is exactly the type of analysis you should be running before investing.
Simply Money Tools
Portfolio Planner
DRIP Score
Retirement Stress Test
Available through the Buy Me a Coffee link below.
If you enjoy retirement planning, ETF investing, dividend income, and portfolio analysis, consider subscribing.
Every ETF has a job, and every job has a purpose.
This video is for educational purposes only and is not financial advice.
_________
00:00 Building a FIRE portfolio from a subscriber’s request
01:14 Meet the five ETFs in this portfolio
01:48 Inside the Simply Money Portfolio Planner
02:20 Conservative FIRE portfolio allocation
03:15 Starting assumptions and retirement income goal
04:34 Conservative portfolio forecast
05:45 Moderate portfolio results
06:29 Aggressive portfolio comparison
06:58 Moving to the Retirement Stress Test
07:57 Retirement assumptions explained
08:29 Running the Monte Carlo simulation
09:34 What happens with only $400,000?
10:56 What if you need $5,000 per month?
11:41 Why forecasts are only estimates
12:15 Stress testing different retirement scenarios
13:09 Changing investment risk levels
14:00 Conservative vs. aggressive market swings
15:20 Why stress testing matters before retirement
15:44 Final thoughts and subscriber challenge
_________
Welcome to Simply Money — your source for ETF investing, dividend income, passive income, retirement planning, and financial freedom.
I break down real-world investing strategies using data, portfolio analysis, backtesting, and income projections to help you make smarter financial decisions.
On this channel you’ll learn:
• ETF Investing Strategies
• Dividend Income & Passive Income
• Covered Call ETFs & High-Yield Investing
• Monthly Income Portfolios
• Retirement Income Planning
• Growth vs Income Investing
• Dividend Growth & Yield on Cost
• Portfolio Analysis & ETF Comparisons
• DRIP Strategies & Income Reinvestment
• Financial Independence & Wealth Building
Featured investments include SCHD, SCHG, JEPI, JEPQ, SPYI, QQQI, CHPY, IWMI, GPIQ, GPIX, and other dividend and income-focused ETFs.
Simply Money Investing Tools
• Simply Money DRIP Score
• Simply Money Portfolio Planner
• Simply Money Retirement Stress Test
• Income Forecast & Income Tracker
• Dividend & Portfolio Analysis Tools
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from Simply Money https://www.youtube.com/watch?v=wjS9Pb2WofM
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