APYI
ASPYRA INC
stock OTC

your dealign with a taxable account so you have to pay attention to taxes. The most tax efficient funds I know of are QQQI 14% SPYI 11%, IAUI 11% you could definitely live off of the dividends from these funds. UTF7% UTG 6.4%, PFFR 8% EMO 9% are good low tax option but not quit as good ats good as the others.
You need to keep in ming that not all dividned are taxed the same.
Regular dividend are taxed lifework incom.
Qualified divideds are taxed at the long termcapitial gains tax rate. Which means worst case only 20% of your dividned at added to yourtaxalbe income. UTF, uUTG, PFFFR , and EO are funds that generate qualified dividends.
ROC dividend are very different. When you recieve ROC dividends the dividend is subtracted from your are subtracted forests share cost basis. IF the cost basis is above zero you owe not owe tax no the dividends. The are tax free. But if the cost basis is zero the dividend are taxed at the long term capital gains tax rate.
QQQI, SPYI, IAUI genrate diviedend that are classified as ROC dividends. QQQI will be tax free for about 6 years. APYI and IAUi will be tax free for about 9 years.
All of the above fund will generate a lot less in taxable income Regal dividends are best avoided in a taxable account When living off of dividend income your are not selling any shares and therefore there are no Sequence Of Return risks from selling stock at a loss. if you then have growth in your 401K you can live off the dividned and then only when neceaasary sell grwoth to increase your dividned income. This would compensate for inflation. This is what I have done. My dividend income is 6K a month. 401K is growing and in my roth I am investing in the above funds plus ARDC 9%, PBDC 9%, CLOZ 8%, and JAAA 5.5% for addition income once I reach 60. I want to do some traveling and I am expecting long term senirocar will be necessary.

your dealign with a taxable account so you have to pay attention to taxes. The most tax efficient funds I know of are QQQI 14% SPYI 11%, IAUI 11% you could definitely live off of the dividends from these funds. UTF7% UTG 6.4%, PFFR 8% EMO 9% are good low tax option but not quit as good ats good as the others.
You need to keep in ming that not all dividned are taxed the same.
Regular dividend are taxed lifework incom.
Qualified divideds are taxed at the long termcapitial gains tax rate. Which means worst case only 20% of your dividned at added to yourtaxalbe income. UTF, uUTG, PFFFR , and EO are funds that generate qualified dividends.
ROC dividend are very different. When you recieve ROC dividends the dividend is subtracted from your are subtracted forests share cost basis. IF the cost basis is above zero you owe not owe tax no the dividends. The are tax free. But if the cost basis is zero the dividend are taxed at the long term capital gains tax rate.
QQQI, SPYI, IAUI genrate diviedend that are classified as ROC dividends. QQQI will be tax free for about 6 years. APYI and IAUi will be tax free for about 9 years.
All of the above fund will generate a lot less in taxable income Regal dividends are best avoided in a taxable account When living off of dividend income your are not selling any shares and therefore there are no Sequence Of Return risks from selling stock at a loss. if you then have growth in your 401K you can live off the dividned and then only when neceaasary sell grwoth to increase your dividned income. This would compensate for inflation. This is what I have done. My dividend income is 6K a month. 401K is growing and in my roth I am investing in the above funds plus ARDC 9%, PBDC 9%, CLOZ 8%, and JAAA 5.5% for addition income once I reach 60. I want to do some traveling and I am expecting long term senirocar will be necessary.