Let me ask you this: when was the last time your savings account made you feel truly rich? 🤔
If you’re like most people, your bank is giving you maybe 4–5% interest while inflation silently eats away your purchasing power. Frustrating? Absolutely. Scary? You bet. You’ve spent decades building your nest egg—now it’s time for your money to work as hard as you did.
Here’s the reality: traditional savings just aren’t cutting it anymore. But don’t worry—I’ve got three ETF powerhouses paying 8% to 12% annually, depositing cash into your account monthly, without risking your principal. And yes, this is real. Current verified data as of November 2025.
By the end of this, you’ll know which of these three income machines fits your goals, risk appetite, and lifestyle. 🚀
Why 8%+ Yield Matters Now
Picture this: $100,000 in a traditional savings account at 4% = $4,000 per year, or $333/month.
Now imagine doubling or even tripling that income without taking crazy risks. That’s the power of strategic dividend investing. But let’s be clear—we’re not chasing sketchy penny stocks or risky REITs. We’re talking about proven, institutional-grade ETFs using strategies like equity premium income, covered call writing, and global dividend hunting.
This isn’t get-rich-quick hype—it’s about reliable, sustainable monthly income you can actually count on.
1️⃣ Conservative Champion: JEPI (JP Morgan Equity Premium Income ETF)
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Yield: 8.37%
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Expense Ratio: 0.35%
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Assets: $40.72B
JEPI is massive, trusted by pension funds and institutional investors, and pays monthly like clockwork. Top holdings include giants like Apple, Microsoft, Alphabet, Amazon, Johnson & Johnson, Nvidia, Mastercard, and NextEra Energy.
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Monthly Distribution: ~$34 per share
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5-Year Annualized Return: 11.45%
Why it’s special: Stability. Diversification. Blue-chip reliability. Perfect for retirees or conservative investors who want peace of mind and steady income.
2️⃣ Aggressive Income: QYLD (Global X NASDAQ 100 Covered Call ETF)
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Yield: 11.94–12.67%
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Expense Ratio: 0.60%
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Assets: $7.93B
QYLD is for those chasing high monthly cash flow. It sells covered calls on NASDAQ 100 stocks to generate income. Think of it as taking guaranteed income today instead of betting on massive future growth.
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Monthly Distribution: ~$17 per share
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5-Year Annualized Return: 7.80%
Who it’s for: Aggressive investors willing to trade some upside potential for consistent, high dividend income.
3️⃣ Global Growth + Income: SDIV (Global X Super Dividend ETF)
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Yield: 9.73–10%
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Expense Ratio: 0.58%
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Assets: $1.04B
SDIV goes global—investing in over 20 countries, with holdings like Brazilian banks, Italian shipping companies, and UK energy firms.
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Monthly Distribution: ~$19 per share
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YTD 2025 Return: ~24%
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5-Year Annualized Return: 4.67%
Why it stands out: Combines solid income with international growth potential. Perfect if you want exposure to emerging markets while still getting steady dividends.
Quick Comparison
| ETF | Yield (Net) | Assets | Risk/Focus |
|---|---|---|---|
| JEPI | 8.02% | $40.72B | Stability, conservative |
| QYLD | 11.34–12.07% | $7.93B | Maximum income, aggressive |
| SDIV | 9.15–9.42% | $1.04B | Global growth + income |
💡 Pro tip: Don’t feel you have to pick just one. You can diversify across all three depending on your risk appetite:
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Conservative: 70% JEPI, 20% SDIV, 10% QYLD
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Balanced: 40% JEPI, 30% SDIV, 30% QYLD
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Aggressive: 30% JEPI, 30% SDIV, 40% QYLD
Real Numbers Example
Invest $50,000:
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JEPI → ~$4,000/year ($333/month)
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QYLD → ~$6,000/year ($500/month)
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SDIV → ~$5,000/year ($416/month)
Invest $100,000:
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JEPI → $8,000/year ($666/month)
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QYLD → $12,000/year ($1,000/month)
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SDIV → $10,000/year ($833/month)
✅ Past performance isn’t guaranteed, but compared to gambling on crypto or speculative stocks, these ETFs offer institutional-grade strategies that have delivered consistent income over decades.
Ready to Start Earning Monthly Dividends?
Don’t wait—start building your dividend portfolio today. Open your account and invest in these ETFs using moomoo, the trusted platform for seamless trading.
👉 Invest in your future with moomoo now!
💸 Let your money work as hard as you do.
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