Imagine this: 10 years ago, Harry dropped $100,000 into three ETFs. He didn’t panic during market crashes. He didn’t obsess over daily stock news. He didn’t switch strategies every few months.
What happened next? Well… it completely changed his retirement game. 🤑
Most people overthink $100,000. They chase the “next hot stock.” They try to time the market. They switch strategies like socks. Harry? He did the opposite.
Three ETFs. Three simple purposes. One system. And it’s still crushing it today.
Disclaimer: This is educational content, not financial advice. Always do your own research or talk to a professional before investing.
Why These 3 ETFs Are Different From Anything You’ve Seen
One ETF has the lowest expense ratio ever.
One pays monthly dividends like clockwork.
One combines growth AND income, a strategy most investors completely miss.
Together? They create a wealth-building machine that’s hard to beat.
Harry’s Portfolio 10 Years Ago
At 35, Harry had $100,000 saved. He wanted passive income for retirement, but no risky gambles. The market was shaky, people were scared.
Here’s the twist: He split his money unequally across the three ETFs. Not chasing yield, not chasing growth—he built a system to do both for decades.
1️⃣ SCHD – The Low-Cost Foundation
Harry put $34,000 here.
Expense ratio: 0.06% (basically free money management!)
Dividend yield: 3.8% quarterly
Top holdings: AbbVie, Chevron, Cisco, Lockheed Martin
SCHD is all about safe, boring, profitable companies—but boring can make you rich. 💰
5-year total return? 79.25%. That’s $34,000 → ~$60,945 (without reinvesting dividends).
2️⃣ JEPI – Monthly Cash Flow Machine
Harry needed monthly income, not quarterly.
He put $33,000 here.
Yield: 8.41% paid monthly (~$231/month)
Strategy: Covered calls on quality stocks like Microsoft, Nvidia, Alphabet
Expense ratio: 0.35%
JEPI slows growth a bit compared to SCHD, but it pays your bills while you sleep. 💸
3️⃣ DIVO – The Balanced Player
Final $33,000 went into DIVO, which mixes growth + income.
Yield: 4.52% paid monthly (~$124/month)
5-year total return: 88.67%
Top holdings: Apple, Caterpillar, JP Morgan
Expense ratio: 0.56%
DIVO is like the best of both worlds: monthly cash flow + long-term growth.
The Results After 10 Years
SCHD: $34,000 → ~$60,945
JEPI: $33,000 → ~$54,720
DIVO: $33,000 → ~$62,260
Total portfolio: ~$177,925 (without reinvesting dividends!)
Reinvest dividends? Portfolio could easily hit $200k–$213k. More than double!
Monthly income now: ~$933 passive income, blended yield ~5.6%. 💵
What This Teaches Us About Investing
Keep it simple. Three ETFs, three purposes.
Mix growth and income. Don’t chase only yield or hype.
Consistency beats hype. Stick to your plan for decades.
Harry didn’t day trade, didn’t chase meme stocks, didn’t panic. Three funds, 10 years, financial freedom.
🔥 Ready to start your own ETF journey?
You can grab these ETFs and build your portfolio today with Moomoo, a broker trusted by investors worldwide. Click here to check them out and start investing:
👉 Invest in ETFs with Moomoo
💡 Pro Tip: Start with percentages, not dollar amounts. Whether you have $1,000 or $100,000, the structure matters more than the number.
#InvestingMadeSimple #PassiveIncome #ETFStrategy #FinancialFreedom #MoomooInvest
