AEF
abrdn Emerging Markets ex-China Fund, Inc.
stock NYSEAMERICAN Closed Ended Fund

Thanks for the info. Context am selling my home/physical assets and lump sum into the accounts. So not really depending on any 'future growth over time' but in lump sum into retirement this year.
Am trying to figure out what is best actually in retirement (living on the taxable account) and for me the key thing is I may not be able to rebalance (buy etfs) on an international account. So far I have a few starting portfolio options, some have lower yields but greater returns, while some sacrifice the actual price growth for dividend yields (so actually never have to sell short of a big purchase (car) ).
example:
* Portfolio 1 - VT 40%, AVDV 30%, 30% DFIV (lower div but good nav growth, specially with the international situation now and the US). may do VT 50%, AVDV 25%, 25% DFIV.
* portfolio 2 - DIVO and IDVO 50/50. (or 40% DIVO and 60% IDVO). This gets me 1 to 1.5x my expenses. So never have to sell and have buffer for a bear market when dividend payout could drop. But actual NAV growth is modest compared to portfolio 1.
I'll also park about 100k or 150k in several 'buckets' of 25k allotments to juice up the income. These smaller allotments of 25k each would be in potentially QQQI, SPYI, NXG, AOD, ASGI, ADX, AEF (with keeping an eye on GPIQ or TRIN). That 'higher div' bucket of 100k should get me a good boost and almost cover expenses in itself (at 150k higher div bucket).
I should have suprlus income so that should help with the first year or two transition in retirement for any gotchas, but otherwise 'non etfs' that I would invest in with suprlus would be something like MAIN or MO (or even schd as an alternative to bonds maybe? as i'll have 4 years of HYSA set aside for a long bear market).
not sure. I will also SOSEPP my 401k, which alone would cover all typical expenses each year but only sustainable for about 15+ years (I would then access SS if there is anything left in 10-12 years). So with SOSEPP plus the taxable above I can would probably net 2-3x expenses....surplus goes to main/mo (non etf) kinda thing.

Thanks for the info. Context am selling my home/physical assets and lump sum into the accounts. So not really depending on any 'future growth over time' but in lump sum into retirement this year.
Am trying to figure out what is best actually in retirement (living on the taxable account) and for me the key thing is I may not be able to rebalance (buy etfs) on an international account. So far I have a few starting portfolio options, some have lower yields but greater returns, while some sacrifice the actual price growth for dividend yields (so actually never have to sell short of a big purchase (car) ).
example:
* Portfolio 1 - VT 40%, AVDV 30%, 30% DFIV (lower div but good nav growth, specially with the international situation now and the US). may do VT 50%, AVDV 25%, 25% DFIV.
* portfolio 2 - DIVO and IDVO 50/50. (or 40% DIVO and 60% IDVO). This gets me 1 to 1.5x my expenses. So never have to sell and have buffer for a bear market when dividend payout could drop. But actual NAV growth is modest compared to portfolio 1.
I'll also park about 100k or 150k in several 'buckets' of 25k allotments to juice up the income. These smaller allotments of 25k each would be in potentially QQQI, SPYI, NXG, AOD, ASGI, ADX, AEF (with keeping an eye on GPIQ or TRIN). That 'higher div' bucket of 100k should get me a good boost and almost cover expenses in itself (at 150k higher div bucket).
I should have suprlus income so that should help with the first year or two transition in retirement for any gotchas, but otherwise 'non etfs' that I would invest in with suprlus would be something like MAIN or MO (or even schd as an alternative to bonds maybe? as i'll have 4 years of HYSA set aside for a long bear market).
not sure. I will also SOSEPP my 401k, which alone would cover all typical expenses each year but only sustainable for about 15+ years (I would then access SS if there is anything left in 10-12 years). So with SOSEPP plus the taxable above I can would probably net 2-3x expenses....surplus goes to main/mo (non etf) kinda thing.