ARDC
ARES DYNAMIC CREDIT ALLOCATION FUND, INC.
stock NYSE Closed Ended Fund

VOO and SPY are basically the same. Many use VOO in a 401K. For a Roth there are no taxes on withdrawals So my preference is in the Roth isto invest for dividend income. That way at 60 you ca live off of the dividend income it produces which would all be tax free. I would start with QQQI 13% yield in the Roth and then gradually add other high yield funds such as PBDC 9%, ARDC 12%, Scyb 7%, UTF 7% GLU 6.7%

VOO and SPY are basically the same. Many use VOO in a 401K. For a Roth there are no taxes on withdrawals So my preference is in the Roth isto invest for dividend income. That way at 60 you ca live off of the dividend income it produces which would all be tax free. I would start with QQQI 13% yield in the Roth and then gradually add other high yield funds such as PBDC 9%, ARDC 12%, Scyb 7%, UTF 7% GLU 6.7%

Some covered call funds are structured to preserve some captial growth. but keep in mind you only need captial gains if your are selling shares. But with dividend fund you typically don't sell. You just hold it until it has problems or you want to change your portfolio. What you really want is your income to slowly grow. If you income doesn't grow, inflation will reduce the buying power of your money. This problems is easily solved by not spending all of your dividends and reinvesting the portion you don't spend.
With funds like CSHD the dividend slowly grows because teh companes in the fund decide to increase the dividend. Increase in dividend caused an increase the price of fund share price.
Now covered call cunxz are not the only funds with a high yield. There are a group of companies called BDCs that are required by law to return most of their earning to invested via a large dividend. I own a bud called PBDC that invests only in these stocks. It has a yield of 9%. There are other funds like ARDC that invested in various types loan obligations and ads in my it pays a yield of 12%.
some of the best covered call fund in my option are. JEPI, JEPQ, SPYI and QQQI In the US the main diffferenece between these funds is how they are taxed. I don't know anything about taxes in Poland so can't say if that is important to you. These fund are also some of the best at capturing some captial gains from the stocks it writes covered call on.
I personally have more dividned income than my living expense and am reinvesting the excess. I also have growth funds like QQQ, There are times in life were you get an unexpected large bill that your dividend income cannot cover. Now you don't want to sell any share of the funds that generate your income. So you sell QQQ instead
So your plan is sound. But I would plan on some continues dividend reinvestment. Will 1.5 million be enough it all depends on your cost and and inflation. I have never been to poland so I have no idea. on that you might want to read the book The income Factory. And look at the YouTube canal Armchair income. Both list funds they invest in And armshair income reviews fund he likes and some he doesn't like.

For active ETF I would go with PBDC 9% yield, SPYI 11%, QQQI 13% these either pick the best investments or manage trading activity trading activity to generate income. Other than ETF there are CEF (very similar) like ARDC 12% yield, UTF 7%, GLU7%.