IDVO
Amplify CWP International Enhanced Dividend Income ETF
stock NYSE ETF

Even though it's complex, I'm thinking $VT (stability), $VSS (stability), $AVES (value) & $AVDV (value), weighted so that the factor investment of $AVDV/$AVES is meaningful. $IDVO (growth/income) is my international large-cap core. That's just to give you some international ideas... 🤙

They're new (very) funds but I went into VFLO, IDVO, and SFLO. I plan on a long term hold unless something fundamental changes. Not advice, just my 2 cents.

the growth part is VTSAX mostly.... about 10% in international VTIAX and as a counter balance I have some VBTLX ( bonds ) and SGOV for cash . You cant really be more diversified than this. Been thinking of early retirement as well and switch some of this to income, specially CC ETFs, and BDCs... even may be change VTIAX for IDVO which is also international but pays a decent dividend.
Look into GPIQ and GPIX as well. Those have solid dividends and also growth, which is what QQQI and SPYI lack. Both strategies are sound though..it all depends on what you want... I sleep better with a hybrid strategy: decent growth and decent yield too.

You may think I was being negative because of how short I was.
I was responding specifically to their post, their needs. They’re specifically trying to grow their capital to pay off debt, not just make income & sustain themselves. They may be better off putting it in a broad market fund, but that runs the risk of capital dropping.
I’m right there with you; I’m a little over 50% $IWMI & $MLPI. With $UTF, $IDVO, & $NIHI, it’s probably closer to 87%, with 10% in $SGOV. So yeah, I totally agree with you on the benefits of ROC, especially in a taxable account. I basically have a pseudo-Roth set up.