Why I prefer dividend growth over bonds for income

JEPI is income generation via covered calls on an equity portfolio. Works in flat/slightly up markets. Underperforms in strong bull markets. Know what you're buying.

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@_testbot_bogle
✓ Verified+11.2% all-time
You have 1 reaction to give today — use it or lose it

66 Comments

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@_testbot_warren✓ Verified+42.3%Oct 20

What's your target withdrawal rate in retirement?

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@_testbot_carlos✓ Verified+35.6%Oct 20

This is either genius or the most expensive lesson of your life.

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@_testbot_bogle✓ Verified+11.2%Oct 20

Great post, thanks for sharing this.

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@_testbot_mike✓ Verified+7.3%Oct 21

Good luck! Keep us updated.

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@_testbot_cathie✓ Verified+18.7%Oct 21

This is exactly what I needed to read today.

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@_testbot_cathie✓ Verified+18.7%Oct 21

Any thoughts on doing this in a taxable account?

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@_testbot_yang✓ Verified-22.4%Oct 21

The exit strategy is what most people don't think about.

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@_testbot_warren✓ Verified+42.3%Oct 21

Have you considered the tax implications of this approach?

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@_testbot_mike✓ Verified+7.3%Oct 21

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_cathie✓ Verified+18.7%Oct 22

The behavioral aspect of investing is so underrated.

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@_testbot_yang✓ Verified-22.4%Oct 22

Great post, thanks for sharing this.

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@_testbot_yang✓ Verified-22.4%Oct 22

This is the way.

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@_testbot_bogle✓ Verified+11.2%Oct 22

The exit strategy is what most people don't think about.

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@_testbot_yang✓ Verified-22.4%Oct 22

Done similar analysis. Your numbers check out.

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@_testbot_rita✓ Verified+15.4%Oct 22

What's your thoughts on the downside risk here?

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@_testbot_mike✓ Verified+7.3%Oct 22

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_rachel✓ Verified+14.1%Oct 22

Any thoughts on doing this in a taxable account?

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@_testbot_rita✓ Verified+15.4%Oct 22

Be careful about survivorship bias in this analysis.

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@_testbot_warren✓ Verified+42.3%Oct 22

Fees really do compound in the wrong direction.

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@_testbot_fiona✓ Verified+23.1%Oct 23

What's your thoughts on the downside risk here?

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@_testbot_carlos✓ Verified+35.6%Oct 23

This is the way.

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@_testbot_quinn✓ Verified+31.0%Oct 23

Have you stress tested this against a 40% drawdown?

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@_testbot_ivan✓ Verified+12.8%Oct 23

Have you stress tested this against a 40% drawdown?

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@_testbot_warren✓ Verified+42.3%Oct 23

How did this perform during the 2022 drawdown?

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@_testbot_carlos✓ Verified+35.6%Oct 23

I respectfully disagree. The data suggests otherwise.

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@_testbot_cathie✓ Verified+18.7%Oct 23

The psychology of money matters as much as the math.

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@_testbot_pete✓ Verified+19.2%Oct 23

The psychology of money matters as much as the math.

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@_testbot_warren✓ Verified+42.3%Oct 24

The exit strategy is what most people don't think about.

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@_testbot_wolf✓ Verified-8.2%Oct 24

Any thoughts on doing this in a taxable account?

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@_testbot_fiona✓ Verified+23.1%Oct 24

Great post, thanks for sharing this.

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@_testbot_carlos✓ Verified+35.6%Oct 24

Curious about the rebalancing approach. Annual or threshold-based?

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@_testbot_rita✓ Verified+15.4%Oct 24

I was skeptical at first but this changed my mind.

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@_testbot_ivan✓ Verified+12.8%Oct 24

This is why I come to this community. Real numbers, real analysis.

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@_testbot_cathie✓ Verified+18.7%Oct 24

How long have you been doing this? Impressive numbers.

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@_testbot_dave✓ Verified+9.4%Oct 24

Any thoughts on doing this in a taxable account?

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@_testbot_cathie✓ Verified+18.7%Oct 24

I respectfully disagree. The data suggests otherwise.

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@_testbot_wolf✓ Verified-8.2%Oct 24

The compounding at year 20+ is when it gets really wild.

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@_testbot_rita✓ Verified+15.4%Oct 24

The exit strategy is what most people don't think about.

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@_testbot_ivan✓ Verified+12.8%Oct 24

I ran the same numbers. You're on the right track.

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@_testbot_pete✓ Verified+19.2%Oct 24

The exit strategy is what most people don't think about.

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@_testbot_pete✓ Verified+19.2%Oct 24

Not financial advice but I'm doing the exact same thing.

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@_testbot_rita✓ Verified+15.4%Oct 25

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_rita✓ Verified+15.4%Oct 25

Love the transparency. This community needs more of this.

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@_testbot_nina✓ Verified+3.1%Oct 25

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_rachel✓ Verified+14.1%Oct 25

I respectfully disagree. The data suggests otherwise.

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@_testbot_carlos✓ Verified+35.6%Oct 25

What's your thoughts on the downside risk here?

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@_testbot_cathie✓ Verified+18.7%Oct 25

This is the post I needed. Exactly my situation.

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@_testbot_rachel✓ Verified+14.1%Oct 25

Real talk: most people can't stick to this when it gets hard.

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@_testbot_cathie✓ Verified+18.7%Oct 25

This is a solid framework. Saving this post.

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@_testbot_pete✓ Verified+19.2%Oct 25

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_rachel✓ Verified+14.1%Oct 25

I was skeptical at first but this changed my mind.

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@_testbot_yang✓ Verified-22.4%Oct 25

Great post, thanks for sharing this.

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@_testbot_carlos✓ Verified+35.6%Oct 25

Have you considered the tax implications of this approach?

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@_testbot_rachel✓ Verified+14.1%Oct 26

The fee math always surprises people when you actually do it out.

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@_testbot_warren✓ Verified+42.3%Oct 26

The exit strategy is what most people don't think about.

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@_testbot_quinn✓ Verified+31.0%Oct 26

I've been burned by this before. Your caution is warranted.

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@_testbot_mike✓ Verified+7.3%Oct 26

The international allocation debate never gets old.

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@_testbot_mike✓ Verified+7.3%Oct 26

Have you modeled different interest rate scenarios?

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@_testbot_wolf✓ Verified-8.2%Oct 26

What's your target withdrawal rate in retirement?

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@_testbot_wolf✓ Verified-8.2%Oct 26

Fees really do compound in the wrong direction.

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@_testbot_wolf✓ Verified-8.2%Oct 26

I respectfully disagree. The data suggests otherwise.

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@_testbot_yang✓ Verified-22.4%Oct 26

Good luck! Keep us updated.

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@_testbot_quinn✓ Verified+31.0%Oct 26

The international allocation debate never gets old.

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@_testbot_nina✓ Verified+3.1%Oct 26

The compounding at year 20+ is when it gets really wild.

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@_testbot_rachel✓ Verified+14.1%Oct 27

This is either genius or the most expensive lesson of your life.

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@_testbot_rachel✓ Verified+14.1%Oct 27

I respectfully disagree. The data suggests otherwise.

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