UTF
Cohen & Steers Infrastructure Fund, Inc.
stock NYSE Closed Ended Fund

This; all international in taxable. Be sure to avoid ETFs where the minority of holdings are international. The IRS doesn’t let them pass the FTC down to you. For that reason I cut $VT & $UTF today, leaned into $VTI & $CSS instead, along with $IGF & some EM infrastructure satellites (EM dividends can be higher). Even though it’s not FTC-eligible, I’m keeping $MLPI because it’s pretty dang tax-efficient (& I believe that mid-stream energy is where the demand will be in the future).

I have already retired I built a dividend portfolio in taxable brokerage account using QQQI 13% yield, SPYI 11% yield, KGLD 11%, EMO 8.5%, UTF 7%, UTG 6.2%, PFF 6%. This portfolio generates more income than I need for living expense of 5K a month. This insures I always have some income reinvested to compensate for inflation. And if a dividend reduction occurs in any one of these I should be OK. I have growth in my 401K and Roth

I am using QQQI 13% yield, SPYI 11%, E<Mo 8.5% , UTF 7%, UTG 6..2, PFF 6% for income all genrate qualified dividend. or ROFC dividend so the tax is much lower than the tax on work inocme. it covers all of my li9ving expenes of 5K a month. A little more than you are asking fore. You could look at Armchair income on youtube for some ideas for dividend funds.
a not on taxes dividends are taxed 3 basic ways.
Ordinary income, 100% of the dividend is list as taxable income on you tax forms.
Qualified dividned are taxed at the long term capital gains tax rate. Worst Case 20% of the dividned income is considered taxable income. A 80% deduction from the ordinary income levels.
ROC dividend are subtracted from the cost basis of the shares tha generated the ROC dividend. If the cost basis is not zero you owe no tax on the ROC dividned. IF the cost basis is zero you ow long term capital gains tax lIke qualified dividneds.
search for the December 19A document the fund is requried to post. it will lis the final numbers in December.

you can do both If you invest in dividend funds that pay qualified or ROC dividends you will pay a lot less than than you would with dividned funds that pay ordinary income. So you can invest in dividned funds in a taxable account and have growth in a retirement account.
The dividend in the taxable acount can be used to maintain 6 month emergency fund. And you could us ether dividend to genrate money for a yearly Roth deposit. You could also use the dividned to supplement your income or even retire wll before age 60. Then at age 60 you will have your retirement accounts. I am invested in QQQI 13% yield, SPYI 11% EMO 8.5%, UTF 7%, UTG 6.2% and PFF 6% in my taxable acount I hav growth in my retirment accounts. May taxable account covers my 5K a month of living expenses. This allowed me to retire in my 50's about 10 years earlier than expected.

This; all international in taxable. Be sure to avoid ETFs where the minority of holdings are international. The IRS doesn’t let them pass the FTC down to you. For that reason I cut $VT & $UTF today, leaned into $VTI & $CSS instead, along with $IGF & some EM infrastructure satellites (EM dividends can be higher). Even though it’s not FTC-eligible, I’m keeping $MLPI because it’s pretty dang tax-efficient (& I believe that mid-stream energy is where the demand will be in the future).

I have already retired I built a dividend portfolio in taxable brokerage account using QQQI 13% yield, SPYI 11% yield, KGLD 11%, EMO 8.5%, UTF 7%, UTG 6.2%, PFF 6%. This portfolio generates more income than I need for living expense of 5K a month. This insures I always have some income reinvested to compensate for inflation. And if a dividend reduction occurs in any one of these I should be OK. I have growth in my 401K and Roth

I am using QQQI 13% yield, SPYI 11%, E<Mo 8.5% , UTF 7%, UTG 6..2, PFF 6% for income all genrate qualified dividend. or ROFC dividend so the tax is much lower than the tax on work inocme. it covers all of my li9ving expenes of 5K a month. A little more than you are asking fore. You could look at Armchair income on youtube for some ideas for dividend funds.
a not on taxes dividends are taxed 3 basic ways.
Ordinary income, 100% of the dividend is list as taxable income on you tax forms.
Qualified dividned are taxed at the long term capital gains tax rate. Worst Case 20% of the dividned income is considered taxable income. A 80% deduction from the ordinary income levels.
ROC dividend are subtracted from the cost basis of the shares tha generated the ROC dividend. If the cost basis is not zero you owe no tax on the ROC dividned. IF the cost basis is zero you ow long term capital gains tax lIke qualified dividneds.
search for the December 19A document the fund is requried to post. it will lis the final numbers in December.

you can do both If you invest in dividend funds that pay qualified or ROC dividends you will pay a lot less than than you would with dividned funds that pay ordinary income. So you can invest in dividned funds in a taxable account and have growth in a retirement account.
The dividend in the taxable acount can be used to maintain 6 month emergency fund. And you could us ether dividend to genrate money for a yearly Roth deposit. You could also use the dividned to supplement your income or even retire wll before age 60. Then at age 60 you will have your retirement accounts. I am invested in QQQI 13% yield, SPYI 11% EMO 8.5%, UTF 7%, UTG 6.2% and PFF 6% in my taxable acount I hav growth in my retirment accounts. May taxable account covers my 5K a month of living expenses. This allowed me to retire in my 50's about 10 years earlier than expected.

My higher-yield producing funds in that 35% slice include ADX, USA, ASG, UTF, UTG, DLY, BST, BTX, BDJ, RFI, GAB, PDI, SPYI, TLTW, FSCO, and NXG. That's all spread out between brokerage, traditional IRA, and my Roth IRA.