Income Maximizer

This is for people who are comfortable with some ups and downs in exchange for real income. We're talking 6 ETFs spread across US tech income (JEPQ), defensive income (JEPI), quality dividend growers (SCHD, VYM), and international markets (VYMI, SCHY). JEPQ alone pays over 10% a year in monthly distributions — that's real cash hitting your account every single month regardless of what the market does that week. Combined with JEPI's 8%, the distributions alone push you toward your threshold even in flat markets. Yes, this nest can drop 6-12% in a bad quarter. That's the trade-off. But historically it bounces back, and those monthly payments keep stacking while you wait. Set a 5-7% threshold. Be patient. The math works if you give it time.

Shared by Nandh Devineni

6 holdings | Updated 2/23/2026