What if I told you that you could retire on $528,000 instead of the $1.25 million most advisors say you need? 😱
Even better—you never have to sell a single share of your investments to pay your bills. Sounds like a dream, right? Well, today I’m spilling the secrets behind a controversial three-fund ETF strategy that’s currently paying a jaw-dropping 9.47% in dividends. But beware—there’s a twist that could make or break your retirement plan.
The Problem with the “4% Rule”
The traditional 4% withdrawal rule says you need $1.25 million to generate $50,000 per year. But here’s the catch: that rule assumes you’re selling investments every year and praying the market doesn’t crash when you need the cash most. This is called sequence-of-returns risk, and it’s destroyed more retirements than bear markets ever have.
What if there was a better way? What if instead of selling your assets, you could live purely off dividends?
The 3-Fund Dividend Strategy
After analyzing real data from three ETFs with $43.9 billion under management, here’s the strategy that’s turning heads:
1️⃣ GPQ – JP Morgan NASDAQ Equity Premium Income ETF
Yield: 10.65%
AUM: $30.5B
How it works: Active management + covered call strategies on large-cap US stocks. JP Morgan is essentially selling insurance on stocks to generate extra cash flow.
Perks: 107 holdings, beta 0.85, strong diversification with defensive characteristics.
2️⃣ D.VO – Amplify CWP Enhanced Dividend Income ETF
Yield: 4.60%
AUM: $5.2B
Why it’s smart: Selective covered call writing on only 20–30% of holdings, allowing for full participation in market rallies. Includes dividend aristocrats like Microsoft, JP Morgan, and Johnson & Johnson.
Result: Despite the lower yield, it delivered 13.10% total returns in 2025.
3️⃣ QYLD – Global X NASDAQ 100 Covered Call ETF
Yield: 13.15%
AUM: $8.2B
Income powerhouse: Sells calls on 100% of holdings for monthly cash flow.
Warning: High yield doesn’t always mean high growth—2025 returns were only 1.20%, showing the risk of missing market rallies.
The Shocking Truth About Dividend Investing
High yields can be fool’s gold. The highest paying fund doesn’t always make you rich. Meanwhile, smartly managed funds like D.VO and GPQ hit the sweet spot between income and growth, proving that strategy beats pure yield chasing.
How This Could Work for Your Retirement
Forget needing $1.25 million. With this 3-fund strategy:
Invest just $528,000
Collect ~$4,167 per month in dividends ($50,000 per year)
Never sell a share
💡 That’s $722,000 less than the traditional approach! Imagine retiring earlier or finally having that financial freedom you’ve been dreaming about.
The monthly payouts are staggered across GPQ, D.VO, and QYLD, giving you a steady paycheck every month. No stress. No market timing. Just passive income.
Risks You Need to Know
Upside Ceiling: Covered call ETFs like QYLD can lag in bull markets.
Concentration Risk: Heavy exposure to US large-cap tech stocks.
Tax Considerations: Some dividends may be taxed at higher ordinary income rates—better to hold in IRA or 401k accounts.
How to Optimize
Suggested allocation (based on 2025 performance):
40% D.VO
40% GPQ
20% QYLD
This keeps income high while still allowing for growth potential.
Bottom Line
Yes, retiring on dividends with just $528,000 is mathematically possible. ✅
Strategy works best in tax-advantaged accounts
Don’t rely on it for your entire portfolio—it’s an income bucket, not your full equity strategy
Success depends on smart implementation and realistic expectations
The market rewards intelligence over chasing high yields, and these three ETFs prove it.
Ready to start generating steady dividends for your retirement? 🚀
Click here to buy these ETFs now on Moomoo: 👉 https://j.moomoo.com/0xFRE4
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