SPYH
NEOS S&P 500 Hedged Equity Income ETF
stock BATS ETF

I am 55 years old. Here is what I’m invested in…
**Retirement account:**

Growth: QQQM SCHG
Dividend Growth: SCHD DGRO FDVV
Income: FSCO JEPI JEPQ RNP RQI UTG
International Income: IDVO LVHI
**Taxable account:**
Because we are recently retired early, the portfolio is in the process of migrating from Dividend Growth to Dividend Income.
Growth: GOOGL AMZN AAPL NVDA V
Dividend Growth: HD LOW PEP PG CVX AMP BX FITB JPM PRU STT AMGN JNJ CAT CMI LMT UNP AVGO MSFT QCOM EGP ATO CPK ES EVRG NEE WEC
Dividend Income: VZ BKE CNQ EPD HESM MPLX AB AFG O VICI EOI EOS GPIQ QQQH QQQI SPYH SPYI

Here are my considerations for Dividend Growth stocks (not Dividend Income):
Starting yield at least at least 2x the current yield on SPY
Dividend growth of at least 6% (twice as fast as inflation)
Earnings growth greater than or equal to dividend growth
Payout Ratio less than 60% (80% for Utilities)
10+ years consecutive dividend growth
Credit rating of BBB+ or better
LT Debt/Capital less than 50%
Appropriate Chowder Rule score
Analyst scorecard (how reliable are the projections?)
No one stock greater than 5% of portfolio and no sector more than 20%
—————
Here are my current holdings across two different accounts:
**Retirement account:**

Growth: QQQM SCHG
Dividend Growth: SCHD DGRO
Income: FSCO JEPI JEPQ RNP RQI UTG
International Income: IDVO LVHI
**Taxable account: **
Because we are recently retired early, the portfolio is in the process of migrating from Dividend Growth to Dividend Income.
Growth: GOOGL AMZN AAPL NVDA V
Dividend Growth: HD LOW PEP PG CVX AMP BX FITB JPM PRU STT AMGN JNJ CAT CMI LMT UNP AVGO MSFT QCOM EGP ATO CPK ES EVRG NEE WEC
Dividend Income: VZ BKE CNQ EPD HESM MPLX AB AFG O VICI EOI EOS GPIQ QQQH QQQI SPYH SPYI

I am 55 years old. Here is what I’m invested in…
**Retirement account:**

Growth: QQQM SCHG
Dividend Growth: SCHD DGRO FDVV
Income: FSCO JEPI JEPQ RNP RQI UTG
International Income: IDVO LVHI
**Taxable account:**
Because we are recently retired early, the portfolio is in the process of migrating from Dividend Growth to Dividend Income.
Growth: GOOGL AMZN AAPL NVDA V
Dividend Growth: HD LOW PEP PG CVX AMP BX FITB JPM PRU STT AMGN JNJ CAT CMI LMT UNP AVGO MSFT QCOM EGP ATO CPK ES EVRG NEE WEC
Dividend Income: VZ BKE CNQ EPD HESM MPLX AB AFG O VICI EOI EOS GPIQ QQQH QQQI SPYH SPYI

Here are my considerations for Dividend Growth stocks (not Dividend Income):
Starting yield at least at least 2x the current yield on SPY
Dividend growth of at least 6% (twice as fast as inflation)
Earnings growth greater than or equal to dividend growth
Payout Ratio less than 60% (80% for Utilities)
10+ years consecutive dividend growth
Credit rating of BBB+ or better
LT Debt/Capital less than 50%
Appropriate Chowder Rule score
Analyst scorecard (how reliable are the projections?)
No one stock greater than 5% of portfolio and no sector more than 20%
—————
Here are my current holdings across two different accounts:
**Retirement account:**

Growth: QQQM SCHG
Dividend Growth: SCHD DGRO
Income: FSCO JEPI JEPQ RNP RQI UTG
International Income: IDVO LVHI
**Taxable account: **
Because we are recently retired early, the portfolio is in the process of migrating from Dividend Growth to Dividend Income.
Growth: GOOGL AMZN AAPL NVDA V
Dividend Growth: HD LOW PEP PG CVX AMP BX FITB JPM PRU STT AMGN JNJ CAT CMI LMT UNP AVGO MSFT QCOM EGP ATO CPK ES EVRG NEE WEC
Dividend Income: VZ BKE CNQ EPD HESM MPLX AB AFG O VICI EOI EOS GPIQ QQQH QQQI SPYH SPYI