Tech Leader and Investor

Build Tech, Make Money, Buy Income.
Tech Leader. Real Estate, Growth and Dividend stocks.

[Tech Leader and Investor @CashFlow2Retire]

@StockReports26 And with those higher NAV’s over time, should lead to higher distributions over time as well. My go-to for CC as well

[Tech Leader and Investor @CashFlow2Retire]

@Retiredat40HQ I’m heavy into $SCHD and $GPIQ/$GPIX in my income portfolio. Do you aim for ~130% of your needs from your CC % to handle drawdowns? That is what I’m aiming for. Thanks!

[Tech Leader and Investor @CashFlow2Retire]

I like $KGLD as well. From AI, who explains the strategy well:

KGLD (Kurv): Uses a mix of strategies, not pure covered calls: synthetic long gold exposure (buying calls + selling puts near the same strike), plus a “core position” that’s only partially overwritten with calls, so it tries to stay close to 1:1 with gold’s moves while still harvesting some options premium.

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF With this being a decent % of my portfolio, I for one would love some rule about new shares only getting pro-rated dividends for this ETF. I'm sure a long shot, but worth a wish.

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF @DilksJay I think “fortress mode” deserves a dedicated post… or YouTube video

[Tech Leader and Investor @CashFlow2Retire]

@BurnsXxbaby I’m a big $GPIQ and $GPIX fan as well, so I really enjoy your posts

[Tech Leader and Investor @CashFlow2Retire]

$SCHD funds dropped today! Getting close to retirement and enjoying this part of my portfolio.

[Tech Leader and Investor @CashFlow2Retire]

@BurnsXxbaby Wise choice!

[Tech Leader and Investor @CashFlow2Retire]

@BurnsXxbaby Yes! Largest holding of mine. Was “lucky” to get most of my accumulation done in 2025

[Tech Leader and Investor @CashFlow2Retire]

@ArchitectIncome $BRK.B. Only one

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF I love dividend growth ($SCHD) for my income floor along with $SGOV and my residential rental income. Consistent and grows is about any market condition.

Then some income ( $GPIX / $GPIQ) and growth funds on top of that for more income and to beat inflation over time.

[Tech Leader and Investor @CashFlow2Retire]

@UltraRunner26 13 shares of $GPIQ for me.

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF @BurnsXxbaby I'll DM you

[Tech Leader and Investor @CashFlow2Retire]

My goal is to get to 130% of my needs/wants in "dividend" payouts, to handle the prolonged bear markets. Anchored by $SCHD and with some $SGOV, even a prolonged 50% drop in the market, I should be able to keep pulling in 100%+ of needs though that period. Yes, it is conservative, but I got to sleep well at night.

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF Getting close to retirement:
1. $SCHD
2. S&P500 variety
3. $GPIQ
4. $GPIX

And some healthy $SGOV

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF 0.5% positive day in the portfolio due to $SCHD. Love the balance with my growth funds.

[Tech Leader and Investor @CashFlow2Retire]

@TopDividendETFs I've honestly wondered about $DIVO. I've opted instead for a mix of $SCHD, $GPIX, $GPIQ. Lower expense ratio, higher total returns and distributions, but a bit higher beta. Still considering.

[Tech Leader and Investor @CashFlow2Retire]

Embrace AI in your work, whether you are on an exec team, sales, customer service or in development. It saves time and gives you a virtual assistant to discuss ideas with and do the busy work to free up your time.

If you are a dev shop, it can turn each dev into a team-lead and multiply output/outcomes.

As a company, hopefully you have a moat. Embracing AI keeps or expand the moat. Otherwise, the moat will erode, and eventually, your business will as well.

[Tech Leader and Investor @CashFlow2Retire]

I’ve thought about this. $GPIQ / $GPIX charge 0.29% and work out the magic so the dividends can be high ROC, and then eventually taxed as long term capital gains if I don’t sell. So selling my own on the indexes hasn’t made sense as I believe I’d pay ordinary income rates.

Would like your opinion if I’m missing an angle here.

[Tech Leader and Investor @CashFlow2Retire]

@SCHDETF @SCHDaccumulator Very nice! 30 for me

[Tech Leader and Investor @CashFlow2Retire]

@DilksJay Thank you!

[Tech Leader and Investor @CashFlow2Retire]

@DilksJay Looking at $KGLD and having very similar thoughts. Mental gymnastics