VYMI
Vanguard International High Dividend Yield ETF
stock NASDAQ ETF

I'd so 20% LVHI, VYMI, IDMO and/or AVNM long before VXUS.
I'd also do 10% AVUV and lower SPMO to 20%.

I use SCHD, DGRO, LVHI & VYMI in my tax-advantage accounts and VOO, SPMO, SCHG, AVUV, AVNM, IDMO in my taxable accounts

So, in 19 of 56 years, VT has beaten. I'll take VOO, and add in some VYMI or FNDF for my international- which have both beaten VT over the past 5 years.

The problem is that you're investing in MM. BINC, VCIT, USHY, FAAA, PAAA are some suggestions. But also you need equities like SCHD, DGRO, LVHI, VYMI which will pay dividends and have growth. Then, you simply sell a small piece of the growth funds to rebalance. You only need/want about 5% in short-term gov bonds like SGOV or STIP. No reason at all for MM except for temp sweep.
You should be able to get about a 3% dividend yield average with this portfolio, so only maybe 1% growth sale per year, well below the long-term growth average including inflation.
57 and retired since 2005. I've been selling growth capital for living expenses for 21 years. And my portfolio balance is up 4x since 2005, even including selling a small amout of the growth each year.

No, don't put all of your eggs in one basket. VOO is great, but it's too concentrated for 100%. Add in VT for broad exposre and maybe a dividend ETF like SCHD or VYMI.

I guess it depends on market right? i had claude run an analysis... had I put 15K into various funds, JEPQ would've come out on top.
\# $15K Investment Performance Since Aug 30, 2022
| Fund | Inception | Return | Value Today | Gain |
|------|-----------|--------|-------------|------|
| JEPQ | May 2022 | +18.18% | $17,727 | +$2,727 |
| QYLG | Sep 2020 | +17.04% | $17,556 | +$2,556 |
| VOO | Sep 2010 | +15.97% | $17,395 | +$2,395 |
| SPYI | Aug 2022 | +14.97% | $17,245 | +$2,245 |
| VYM | Nov 2006 | +13.77% | $17,065 | +$2,065 |
| SCHD | Oct 2011 | +12.90% | $16,935 | +$1,935 |
| JEPI | May 2020 | +9.75% | $16,462 | +$1,462 |
| VYMI | Feb 2016 | +5.70% | $15,855 | +$855 |
\*\*Key takeaway:\*\* JEPQ (Nasdaq covered call) handily outperformed despite capping upside—the tech rally made it work. VOO kept pace via broad-market strength. VYMI lagged due to international headwinds. Covered calls underperformed when they couldn't collect fat premiums.

1.SCHD,VGT,VXUS,AVUV.- Good long term portfolio for capital appreciation
2.SCHD ,DGRO, VIGI,DES-Dividend growth
3.SCHD,GPIQ, VYMI, MLPX, RFI-income.

Like I said, I use SPYI as a supplement to “juice” my income-generating capability. That portion of my portfolio has a mix of both broken down into the following:
Dividend/Distribution Growth: SCHD, DGRO, LMT, RTX, GD, WM, KO, PEP, CNQ, CVX, EOG, AVGO, TXN, MRK, MCD, MARUY, GOOGL and NVDA.
Dividend/Distribution Yield: SPYI, BTCI, BLOX, VYMI, EPD, ET, MPLX, WES, BMY, PFE, MO, BTI and KRP.
The distributions I get from BLOX and BTCI are moved to my other positions.

I agree, put a good amount in SCHD and some in VYMI. Keep the rest in SGOV or VUSXX as an emergency fund.

VYM + VYMI + O

Hi all,
I'd love to hear your thoughts on this.
Around 10% of my portfolio is currently sitting in cash after a house sale. While 10% may not sound like much, it represents roughly four years of living expenses for me, so it's a significant amount.
I'm struggling with what to do next.
On one hand, I'm hesitant to invest it all into the market because we're near all time highs. On the other hand, keeping it in a high-yield savings account or a money market fund means I'm effectively waiting for a better entry point, which feels a bit like market timing.
Another option I've considered is putting it into dividend ETFs such as SCHD or VYMI. Their yields are around 3% or higher, which is similar to what money market funds currently offer, but with the added potential for dividend growth and capital appreciation over the long term.
My current portfolio is:
\- 90% VT
\- 10% Bitcoin
So if you were in my position, would you:
\- Invest the cash into VT now?
\- Keep it in a money market fund until better opportunities arise?
\- Park it in dividend ETFs like SCHD or VYMI as a middle ground?
\- Do something else entirely?
I'm interested in hearing how you would approach this and why.