💰 Earn $100 Every Month in Passive Income With Just 4 ETFs!
Want a simple, beginner-friendly portfolio that pays you $100 every single month — passively?
Yes, you read that right. And even better… the amount you need to invest will shock you. 👀💸
This 2026 dividend income portfolio is built for beginners, designed to be high-yield, diversified, and easy to manage. No stress. No confusing setups. Just set it, forget it, and let the monthly payouts roll in.
Ready? Let’s break down the 4 ETF positions, why they were chosen, and exactly how much you need to invest. Let’s go. 🔥
📌 First — What’s a Distribution (and Why it Matters)?
Most beginners confuse dividends with distributions. Here’s the quick version:
👉 Dividends are paid by companies.
👉 Distributions are paid by ETFs, REITs, and income-based funds.
Distributions can fluctuate because they’re based on:
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the most recent payout
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divided by current ETF price
So when ETF prices fall but yields rise — it might look attractive…
…but sometimes that’s a trap due to NAV decay (falling asset value).
We DO NOT want that.
That’s why this portfolio focuses on:
✔️ Strong income
✔️ Limited NAV erosion
✔️ Long-term sustainability
✔️ Beginner-friendly diversification
🟦 ETF #1: JPQ
30% Allocation
🔥 Yield: 11.5%
💸 Expense Ratio: 0.35%
📈 Category: NASDAQ Equity Premium Income
This one is a beast. JPQ gives you:
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High yield
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NASDAQ exposure
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Stable performance
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Monthly distributions
It’s one of the more established income ETFs, which means it’s easier to predict how it behaves in bull and bear markets. A perfect anchor for beginners.
🟥 ETF #2: SPYI
30% Allocation
🔥 Yield: 11.94%
💸 Expense Ratio: 0.68%
📈 Category: S&P 500 Income ETF
SPYI has consistently outperformed other S&P 500 income ETFs. Despite the slightly higher expense ratio, it delivers:
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Strong returns
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Consistent monthly income
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Zero NAV erosion (HUGE win)
It pairs perfectly with JPQ by diversifying across the biggest index in the world — the S&P 500.
⚠️ A Quick Warning About NAV Erosion
Some ETFs advertise 30% or 50% yields — but they cheat by paying you back your own money while the price collapses.
Example: IWMY
-
Price return: –36% ❌
-
Total return: +7.5% (only because of payouts)
High yield ≠ good investment.
This portfolio avoids those traps.
🟩 ETF #3: DIVO
30% Allocation
🔥 Yield: ~5.6%
💸 Expense Ratio: 0.56%
📈 Category: High-Quality Dividend Stocks + Covered Calls
Yes, it has the lowest yield — BUT this comes with:
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Strong price growth
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High-quality companies
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A more stable foundation
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Monthly distributions
Top holdings include:
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Caterpillar
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IBM
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American Express
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Goldman Sachs
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JPMorgan
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Visa
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Home Depot
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Microsoft
DIVO gives the stability this portfolio needs.
🟧 ETF #4: BTCI
10% Allocation
🔥 Yield: 27%
💸 Expense Ratio: 0.98%
📈 Category: Bitcoin Income ETF
This is the “spicy” part of the portfolio.
Just 10% exposure — enough to boost overall yield without blowing up your risk. BTCI distributes a huge yield, but since crypto is volatile, the allocation stays small.
Prefer Ethereum? Gold? Silver?
You can swap BTCI with other NEOS high-income options.
📊 Portfolio Summary (30/30/30/10)
| ETF | Allocation | Yield |
|---|---|---|
| JPQ | 30% | 11.5% |
| SPYI | 30% | 11.94% |
| DIVO | 30% | 5.6% |
| BTCI | 10% | 27% |
Together, these average out to around 10–12% distribution yield — perfect for hitting that $100 monthly target.
💵 So… How Much Do You Need to Invest?
To earn $100 per month ($1,200 per year):
👉 You need to invest about $11,100.
That’s it.
No complicated options. No stock picking.
Just 4 ETFs — diversified, balanced, and beginner-friendly.
🔁 DRIP or Cash Out?
When you receive distributions, you can:
✔️ Reinvest them into the same ETFs
✔️ Buy growth ETFs
✔️ Hold the cash
Smart beginners often reinvest during dips — lowering cost basis and compounding harder.
✅ Final Thoughts
This 2026 Beginner ETF Income Portfolio is:
✨ Simple
✨ High-yield
✨ Beginner-friendly
✨ Diversified
✨ Monthly-paying
It’s the perfect starting point for anyone wanting stable passive income without overwhelming complexity.
🚀 Ready to Build This Portfolio?
Start investing in these ETFs with zero commission and a beginner-friendly interface on Moomoo!
You’ll get world-class tools, real-time data, and a clean dashboard to track your ETF income.
👉 Sign up here and start investing today:
https://j.moomoo.com/0xFRE4
Don't wait — your future passive income starts NOW. 💸🔥
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