SCHD

ETF Ladder Strategy: How to Earn Monthly Income Without Selling Shares

by
Aerial view of a Mediterranean harbor with palm trees and docked yachts, representing the ETF ladder strategy for generating monthly income.

Introduction: Monthly Income Without Selling — Is It Really Possible?

Imagine receiving consistent income every single month—without selling a single share of your portfolio. No trading, no market timing, no capital drain. Just reliable, automated cash flow.

In 2025, this is not only possible, it’s practical. Through a smart technique called the ETF Ladder Strategy, you can structure your dividend portfolio to provide monthly passive income that grows over time and never requires liquidation.

This guide walks you through everything you need to know:

  • What the ETF ladder strategy is
  • How to choose the right ETFs
  • How to structure them for monthly payouts
  • Realistic income projections
  • Tax implications
  • And how to manage this plan long-term

1. What Is the ETF Ladder Strategy?

The ETF Ladder Strategy is a method where you combine several dividend-paying ETFs with different distribution schedules to create a consistent monthly income stream—like rungs on a ladder.

You don’t rely on just one ETF or fund to pay you every month.
Instead, you assemble a portfolio where at least one ETF pays out in each calendar month. The result is a 12-month dividend stream with no need to sell any shares.

Think of it like this:

MonthPayer
JanETF A
FebETF B
MarETF C
AprETF A
MayETF B
……

The key is to strategically select ETFs with staggered payment schedules.

2. Why Use an ETF Ladder Instead of a Single Fund?

Most investors rely on one or two dividend funds and accept quarterly payments. But this creates income gaps and cash flow timing issues.

The ETF ladder offers:

  • Monthly cash flow, matching real-world expenses
  • No need to touch principal (ideal for retirement)
  • Diversified income sources (lower risk)
  • Flexible asset allocation (growth + income)

And most importantly, you build a recession-resistant, tax-efficient income system.

3. Understanding ETF Dividend Schedules

Most ETFs pay dividends either:

  • Monthly
  • Quarterly
  • Semi-annually

Some well-known ETFs and their payout schedules (as of 2025):

ETFNamePayout Frequency
JEPIJPMorgan Equity Premium IncomeMonthly
SCHDSchwab Dividend Equity ETFQuarterly (Mar, Jun, Sep, Dec)
DIVOAmplify CWP Enhanced Dividend IncomeMonthly
VYMVanguard High Dividend YieldQuarterly
QYLDGlobal X Nasdaq 100 Covered CallMonthly
PFFDGlobal X Preferred ETFMonthly

The trick? Combine monthly + quarterly ETFs so that something pays out every month.

4. Step-by-Step: How to Build Your ETF Income Ladder

Step 1: Select 3–6 High-Quality ETFs

Start with a mix of:

  • 2–3 monthly payers (e.g., JEPI, QYLD, DIVO)
  • 2–3 quarterly payers staggered throughout the year (e.g., SCHD, VYM, DGRO)

Step 2: Map Out the Payout Calendar

Build a simple spreadsheet with each ETF’s distribution months.

Step 3: Allocate Capital Strategically

Balance:

  • High yield (e.g., JEPI, QYLD): for income now
  • Dividend growth (e.g., SCHD, DGRO): for rising income later

Step 4: Rebalance Semiannually

Review performance, dividend yield, and payout shifts every 6–12 months.

5. Example Portfolio: Monthly Payout Model

ETFYield (2025)FrequencyAllocation
JEPI~7.0%Monthly30%
SCHD~3.5%Quarterly25%
DIVO~5.0%Monthly15%
QYLD~12%Monthly10%
DGRO~2.5%Quarterly10%
PFFD~6.0%Monthly10%

Blended Yield: ~5.8%
Payout Coverage: 12 months/year

6. How Much Do You Need to Make $1,000/Month?

Scenario 1 – Balanced Portfolio (Yield ~5.8%)

  • Target Income: $12,000/year = $1,000/month
  • Required Capital: $207,000

Scenario 2 – High-Yield Tilt (Yield ~6.5%)

  • More JEPI, QYLD, PFFD
  • Required Capital: $185,000

Scenario 3 – Conservative Growth Tilt (Yield ~4.5%)

  • More SCHD, DGRO
  • Required Capital: $265,000

7. Can You Reinvest and Still Build Income?

Absolutely. If you don’t need the income today, reinvest:

  • JEPI + QYLD monthly reinvestment can snowball over time
  • SCHD’s dividend increases create long-term income growth

Reinvesting just for 3–5 years can turn $1,000/month into $1,500–$2,000/month—without new capital.

8. Tax Considerations

U.S. Investors

  • Qualified dividends (SCHD, DGRO): taxed at 15% or 0%
  • Ordinary dividends (QYLD, JEPI options income): taxed at full rate
  • Use Roth IRA for high-yield ETFs
  • Hold qualified dividend ETFs in taxable accounts

International Investors

  • Consider Ireland-domiciled ETFs (e.g., IUSA, IDVY)
  • Use tax shelters like TFSA (Canada), ISA (UK), Super (Australia)
  • Avoid U.S. ETFs if no tax treaty (30% withholding applies)

9. Real Case Study: Retiree Using ETF Ladder

Name: Mark, Age 58, Ex-engineer
Goal: $2,000/month in passive income

Strategy:

  • $500K portfolio
  • ETF ladder of JEPI, SCHD, QYLD, PFFD, DGRO
  • Reinvested for 3 years
  • Now fully retired, lives on dividend ladder without selling shares

“I haven’t sold a single ETF in 4 years. I just collect and live. It’s boring—but it works.”

10. Long-Term Management Tips

  • Reinvest early, withdraw later
  • Don’t chase ultra-high yields
  • Use tax shelters strategically
  • Monitor ETF schedule changes annually
  • Avoid overconcentration in one sector (e.g., tech-heavy QYLD)

Conclusion: You Don’t Need to Sell. Just Structure Smarter.

ETF ladders aren’t a fantasy—they’re a structure.
They give you:

  • Consistency
  • Simplicity
  • Scalability
  • Peace of mind

And unlike trading or real estate, you don’t need to hustle to earn.

If you can build a 12-month dividend ladder that pays you every single month…
You’ve already retired—whether you quit your job or not.

How to Use Only 2 ETFs to Generate $1,000/Month Without Ever Selling

by
Aerial view of a Mediterranean marina lined with yachts, symbolizing financial freedom through passive income investing.

Introduction: Passive Income Without Selling — A Dream Come True?

Imagine generating $1,000 every month—automatically—from just two ETFs. No trading, no active management, no market timing. And the best part? You don’t have to sell a single share to get that money.

In 2025, this is not only possible—it’s already being done by thousands of smart investors. Whether you’re aiming for financial independence, early retirement, or just a supplemental income stream, dividend-paying ETFs offer one of the simplest, lowest-maintenance ways to build real monthly cash flow.

This guide shows exactly how to structure a two-ETF portfolio that generates consistent monthly income. We’ll break down ETF selection, capital requirements, reinvestment strategies, tax considerations, and how to make it sustainable for decades.

1. Why Monthly Dividend ETFs Beat Traditional Investment Income

Traditional income portfolios rely on a mix of bonds, real estate, or annuities. But in 2025, these have major limitations:

  • Bonds are volatile with low yields.
  • Real estate requires active management and carries legal/tax risks.
  • Annuities offer low flexibility and often high fees.

Monthly dividend ETFs, on the other hand:

  • Provide consistent income aligned with your living expenses.
  • Trade like stocks—liquid and flexible.
  • Are low-cost, transparent, and diversified.

And with just two carefully selected ETFs, you can balance stability and growth, covering income today and capital preservation for tomorrow.

2. ETF #1 – The Income Engine (Monthly Payer)

Your first ETF should be a high-yield, monthly-paying ETF. This is your primary cashflow generator.

Top Pick: JEPI (JPMorgan Equity Premium Income ETF)

  • Dividend Yield (2025): ~7%
  • Distribution: Monthly
  • Strategy: Combines U.S. blue-chip stocks with covered call options to enhance yield
  • Risk Level: Moderate

Alternatives:

  • QYLD – Higher yield but more volatile
  • DIVO – Lower yield, higher quality dividend growth stocks
  • PFFD – Preferred shares, stable income

Why JEPI?
It offers relatively high yield without destroying capital, thanks to its covered call strategy. It’s ideal for the “don’t sell anything” investor.

3. ETF #2 – The Growth & Stability Anchor

Your second ETF balances the income from ETF #1 by focusing on long-term growth, dividend reliability, and capital appreciation.

Top Pick: SCHD (Schwab U.S. Dividend Equity ETF)

  • Dividend Yield (2025): ~3.5%
  • Distribution: Quarterly
  • Holdings: Top U.S. dividend growth companies (Pepsi, Texas Instruments, etc.)
  • Expense Ratio: 0.06%

Alternatives:

  • VYM – Broader coverage, slightly higher yield
  • DGRO – Focuses on dividend growth rate
  • HDV – Conservative, high-quality dividend stocks

Why SCHD?
It consistently outperforms other dividend ETFs in total return and has a history of increasing dividends every year.

4. How to Combine JEPI + SCHD to Generate $1,000/Month

Let’s get to the numbers.

Scenario: $1,000/month = $12,000/year

To achieve this, you’ll need a combination of yield and capital:

ETFAllocationYieldAnnual Income
JEPI60%7.0%$504 per month
SCHD40%3.5%$116 per month
Total100%~5.5% blended$620/month

Wait—that’s only $620/month. How do we reach $1,000?

Solution:

  • Increase capital invested
  • Reallocate more toward JEPI
  • Supplement with reinvested dividends or other income

5. Capital Requirements to Hit $1,000/Month

Let’s estimate how much capital is needed.

Case A – Conservative (more SCHD)

  • JEPI 50%, SCHD 50%
  • Blended yield: ~5.2%
  • Capital needed = $230,000

Case B – Aggressive (more JEPI)

  • JEPI 80%, SCHD 20%
  • Blended yield: ~6.2%
  • Capital needed = $195,000

Case C – Ultra Conservative (SCHD only)

  • Yield: ~3.5%
  • Capital needed = $345,000

Most investors choose a blended path—rebalancing as market conditions change.

6. Reinvesting vs. Withdrawing: What’s Smarter?

In the early years, reinvesting dividends can dramatically grow your income.

Example:

  • $200,000 at 6% yield = $12,000/year
  • Reinvested for 5 years → $16,000+/year without additional capital

But once you hit your monthly income target, shift to withdrawing for living expenses. ETFs like JEPI and SCHD are liquid—you can always access principal if needed, but the goal is never to sell.

7. Tax Considerations (U.S. + Global)

🇺🇸 U.S. Investors

  • JEPI income = taxed as ordinary income
  • SCHD = qualifies for 15% qualified dividend tax rate
  • Hold JEPI in Roth IRA for max tax protection
  • SCHD can be held in taxable accounts efficiently

International Investors

  • Ireland-domiciled ETFs (e.g., IDVY, IUSA) often better due to lower withholding tax
  • Consider tax treaties: U.S. dividends → Europe (15%), Asia (30%)
  • Use local tax-sheltered accounts (ISA, TFSA, Super, etc.)

8. Why This Strategy Works Long-Term

  • ETFs rebalance automatically
  • Dividends are consistent even in market drops
  • You retain 100% ownership of capital
  • No reliance on capital gains or price growth

This means:

  • Less stress during downturns
  • Reliable cashflow that grows with reinvestment
  • True passive income you can count on

9. Common Mistakes to Avoid

  • Relying on 1 ETF only
  • Choosing extreme high-yield ETFs (QYLD, RYLD) without understanding risk
  • Ignoring taxes
  • Not rebalancing based on life stage

10. Final Thoughts: $1,000/Month Is Just the Beginning

With just two ETFs and a well-structured portfolio, you can build monthly cashflow that lasts for life—without ever selling a share.

In fact, many investors scale this to $2,000, $3,000, or more as they reinvest, optimize taxes, and increase capital.

Start small, start consistent, and automate your freedom.
Because passive income isn’t a dream anymore—it’s a design.

ETF Ladder Strategy: How to Earn Monthly Income Without Selling Shares

by
Middle-aged man calculating finances, illustrating the ETF ladder method for generating monthly income in 2025.

Introduction

Generating a reliable stream of income without selling your investments sounds like a dream, but it’s possible with the ETF ladder strategy. Whether you’re aiming for financial independence, planning for retirement, or simply looking to supplement your income, ETF ladders offer a smart, tax-efficient, and low-maintenance solution. In this guide, we’ll break down exactly how to build and manage an ETF ladder, what ETFs to include, and how to turn it into a monthly income machine in 2025.

What is an ETF Ladder Strategy?

An ETF ladder strategy involves investing in a series of exchange-traded funds (ETFs) that pay dividends at different times of the year. By strategically choosing ETFs that distribute on staggered months—say January, February, and March—you can ensure that some income arrives every month without needing to sell any shares.

Think of it as a bond ladder—but with ETFs that can provide better liquidity, flexibility, and in many cases, superior yields.

Why Use an ETF Ladder Instead of Just One Monthly ETF?

  • Diversification: Relying on one fund may expose you to risks tied to a specific sector or management style.
  • Higher Yield Options: By choosing top-performing quarterly dividend ETFs with high yields, you can often beat the payout of a single monthly fund.
  • Staggered Cash Flow: It reduces dependency on a single payout schedule and smoothens income.

Step-by-Step: How to Build Your ETF Ladder

Step 1: Choose 3–4 High-Yield Dividend ETFs

You’ll want ETFs that pay dividends quarterly—but on different months. Example:

  • JEPI (JPMorgan Equity Premium Income) – Pays in January, April, July, October
  • SCHD (Schwab U.S. Dividend Equity) – Pays in March, June, September, December
  • VYM (Vanguard High Dividend Yield) – Pays in March, June, September, December
  • DIVO (Amplify CWP Enhanced Dividend Income) – Pays monthly (optional for smoothing)

Step 2: Allocate Evenly

Start by dividing your capital evenly across your selected ETFs. For example, with $12,000:

  • $3,000 in JEPI
  • $3,000 in SCHD
  • $3,000 in VYM
  • $3,000 in DIVO (optional buffer)

Step 3: Track Dividend Calendar

Use a dividend calendar to confirm payment dates. Adjust holdings if multiple ETFs pay in the same month.

Step 4: Reinvest or Spend

  • Reinvest to compound your income stream.
  • Withdraw monthly payments for passive income.

Example: ETF Ladder Producing $500/Month

Let’s say your goal is $6,000/year in dividend income (~$500/month).

If your blended yield across ETFs is 6%:

  • You’d need ~$100,000 invested.

Divided across the 4 ETFs:

  • $25,000 in each ETF

Each ETF contributes $1,500/year in dividends, paid quarterly. But because payment months are staggered, you receive ~$500/month.

Tax Efficiency

  • Most ETFs are qualified dividends, taxed at a lower rate.
  • Holding ETFs in a tax-advantaged account (e.g., Roth IRA or ISA in UK) increases tax efficiency.
  • Avoid selling shares and incurring capital gains tax.

Best Practices for 2025

  • Stick to U.S. large-cap ETFs for reliability.
  • Check the yield consistency – not just current yield.
  • Avoid ETFs with high churn or active turnover – leads to inefficiencies.
  • Review annually – rebalance your ladder if yields or payout schedules shift.

Tools You Can Use

  • TrackYourDividends.com – For real-time income tracking
  • ETF.com or Morningstar – Research fund performance & distribution history
  • Google Sheets – Build a personalized dividend ladder calendar

Final Thoughts

An ETF ladder strategy gives you the best of both worlds: consistent income and capital preservation. By selecting the right ETFs and diversifying your payouts across months, you can enjoy monthly income without touching your principal. As the cost of living continues to rise, building a system that pays you every month becomes more essential than ever.

Start now, and by the end of 2025, your ETF ladder could be paying your bills while you sleep.

Next Steps:

  • In the following article, we’ll compare this strategy to real estate investing: ETF vs Real Estate in 2025 – which one builds wealth faster?

How to Build a $500 Monthly Income Using Only 2 ETFs (2025 Blueprint)

by
Financial planning setup with dividend income sheet, USD cash, and calculator; text reads "How to Earn $500/Month with Just 2 ETFs – 2025 Blueprint"

Introduction

What if you could generate $500 in monthly income—without picking individual stocks, managing tenants, or taking on high risk? In 2025, smart investors are turning to a streamlined approach: using just two ETFs to build a consistent monthly cash flow. This guide breaks down exactly how to do it, even if you’re starting from scratch.

1. Why $500 Monthly From ETFs Matters

$500 a month equals $6,000 a year—enough to:

  • Cover rent or mortgage for digital nomads in Southeast Asia
  • Pay for a used car with cash
  • Cut down part-time work hours
  • Reinvest and compound toward early retirement (FIRE)

ETF-based income is:

  • Passive: No effort after setup
  • Predictable: Dividend schedules are published in advance
  • Scalable: Add more capital, get more cash flow

2. The 2-ETF Strategy Overview

To build reliable monthly income, we’ll use:

  1. JEPI (JPMorgan Equity Premium Income ETF) – high monthly dividends, low volatility
  2. SCHD (Schwab U.S. Dividend Equity ETF) – strong long-term growth, quarterly dividends

Why this combo?

  • JEPI pays monthly and smooths income
  • SCHD boosts capital and provides long-term compounding
  • Together, they offer stability + performance

3. How Much to Invest: Simple Math for $500/Month

Let’s break down how much capital is needed based on 2025 yields.

ETFApprox. Yield (2025 est.)Monthly Income TargetRequired Investment
JEPI7.5%$300~$48,000
SCHD3.5%$200~$68,500

Total needed: ~$116,500
But that’s the full picture. You can:

  • Start small (e.g., $10K)
  • Reinvest dividends monthly
  • Grow toward $500/month over 2–3 years

4. Monthly Payout Timing & Strategy

JEPI pays monthly. SCHD pays quarterly. To ensure monthly income, follow this plan:

MonthJEPISCHDTotal Payout
Jan✅✅Double payout
Feb✅JEPI only
Mar✅✅Double payout
…………

→ Use payout calendar to time withdrawals
→ Reinvest SCHD payouts when they land
→ Keep emergency cash buffer (1–2 months)

5. Real-Life Scenarios

Case 1: Digital Nomad in Thailand

  • Needs $500/month for rent and food
  • Invests $60K over 2 years
  • Reinvests dividends initially
  • Hits goal by Year 3

Case 2: U.S. Worker Planning Early Retirement

  • Maxes Roth IRA with SCHD
  • Adds $200/month to JEPI
  • After 5 years: $500+ monthly passive income + growth buffer

6. Tax Considerations

  • U.S. Citizens: Qualified dividends may be taxed favorably (0–15%)
  • Non-U.S. investors: May face 15–30% withholding tax
  • Use tax-advantaged accounts (Roth IRA, TFSA, ISA) if eligible
  • Consider international brokerage with tax treaties

7. How to Start Today (Step-by-Step)

  1. Open a low-fee brokerage account (e.g., Fidelity, Schwab, IBKR)
  2. Set up auto-investing into JEPI and SCHD
  3. Enable dividend reinvestment (DRIP)
  4. Track payouts using a free dividend calendar (e.g., trackyourdividends.com)
  5. Review performance quarterly
  6. Adjust allocation as income grows

8. Common Mistakes to Avoid

  • Chasing yield: High yield doesn’t equal reliable income
  • Ignoring taxes: Net income matters more than gross yield
  • Skipping diversification: Don’t go 100% into one ETF
  • Timing withdrawals poorly: Know your payout schedule

Conclusion: Income That Grows With You

Building $500/month with just two ETFs is not a fantasy. With discipline, the right tools, and patience, you can turn your savings into an income stream that supports your freedom, retirement, or side projects—starting now.

“You don’t need to be rich to live off dividends. You just need a plan—and consistency.”

ETF vs Real Estate in 2025: Which Builds Wealth Faster with Less Risk?

by
A modern suburban house beside a financial chart showing ETF trends, symbolizing investment choices in 2025.

1. Introduction: The Real-World Dilemma

You’ve saved $100,000 and are ready to invest. But a single question keeps you up at night:

“Should I buy an apartment… or just go with a few ETFs?”

You’re not alone. Every year, thousands of individuals—especially first-time investors—face this exact decision. Real estate has always felt safe and tangible. But ETFs? They seem too digital, too abstract.

Yet in 2025, the lines between these two options have blurred. With housing markets more volatile than ever and ETF innovation exploding, the traditional “safe bet” isn’t so clear anymore.

This guide is not about theory. It’s built for people like you who want clear answers, real-world comparisons, and actionable steps—not lectures.

By the end of this article, you’ll know exactly:

  • Which path grows your wealth faster (based on real numbers)
  • What the world’s most successful investors are choosing
  • How to start today with as little stress as possible

2. Why This Question Matters in 2025

A decade ago, most people would’ve said:

“Buy a property. Rent it out. Watch it grow.”

But 2025 is different.

Let’s break down what’s changed:

Housing Isn’t What It Used to Be

  • High interest rates mean higher mortgage costs—even if you have the cash, the returns shrink fast.
  • Property taxes and maintenance have surged.
  • Vacancy rates in urban areas are unpredictable due to work-from-anywhere trends.

ETFs Are Evolving—Fast

  • Monthly dividend ETFs are now designed to mimic rental income, without the landlord headaches.
  • New bond + equity hybrid ETFs offer high yield + stability.
  • Fees are shrinking. Access is expanding. You can invest in global real estate without owning a single building.

Investor Psychology Has Shifted

  • Millennials and Gen Z prefer flexibility and liquidity.
  • Many would rather move countries than commit to one house.

In this world, choosing between real estate and ETFs is no longer just a matter of preference—it’s a strategic decision with financial consequences.

3. Case Study: $100,000 Investment – ETF vs Real Estate

Let’s get practical. You have $100,000. What can you realistically do with it?

Option 1: Real Estate Investment

  • Type: Small condo in mid-tier city
  • Down payment: $100,000 (assuming full cash)
  • Monthly rent: $800
  • Annual rent: $9,600
  • Costs:
    • Property tax: $1,800
    • Maintenance/insurance: $1,200
    • Vacancy (5%): $480
  • Net income: $6,120/year
    → 6.1% annual return

Now assume the property appreciates at 3% per year:

  • After 5 years: $100,000 → $115,927
  • Total ROI (rental + appreciation): ~9.2% annualized

Option 2: Monthly Dividend ETF

Let’s say you invest:

  • $50,000 in JEPI (JPMorgan Equity Premium Income ETF, ~9.5% yield)
  • $50,000 in SCHD (Schwab Dividend Equity ETF, ~3.5% yield + growth)

Results:

  • Estimated average monthly dividends: $500–550/month
  • 5-Year Total Growth: ~9–10% annualized

ETF Advantages:

  • Fully liquid
  • No repairs, no tenants
  • Global diversification
  • Reinvest dividends for compounding

4. What the Billionaires Are Doing (Buffett, Dalio, Lynch)

You might be thinking,

“Of course billionaires invest differently. That has nothing to do with me.”

But here’s the truth:
Their strategy is surprisingly simple—and totally replicable for small investors.

Warren Buffett: “If You’re Not a Landlord, Don’t Act Like One.”

At Berkshire Hathaway’s annual meeting, Buffett said:

“Most people are better off buying a low-cost index fund and leaving it alone.”

He believes regular investors shouldn’t waste time managing tenants or plumbing problems.
Instead, buy ETFs like VOO or SPY and let time do the work.

Ray Dalio: “Diversification is the Only Free Lunch”

Dalio’s “All-Weather Portfolio” includes:

  • Stocks
  • Bonds
  • Commodities
  • Real estate via REIT ETFs like VNQ

He avoids physical properties and still earns income—passively.

Peter Lynch: “Buy What You Understand”

Lynch made his fortune by investing in simple businesses.
His advice:

“You don’t need to be a genius. Just buy what makes sense and hold on.”

And for many people, that’s an ETF.

What This Means for You — Even With $100

Here’s the secret:

They’re not rich because they invest in complex things.
They’re rich because they invest in simple things early—and consistently.

You don’t need $500,000 or a real estate license.
You need:

  • A free investing app
  • $100 to start
  • An ETF like JEPI, QYLD, or VTI
  • And the confidence to stay consistent

If billionaires trust ETFs for billions,
you can trust them for your first hundred.

5. Hidden Costs and Risks of Real Estate (That No One Talks About)

On the surface, real estate sounds safe. But here’s what often gets ignored:

1. Maintenance Costs Never Stop

  • Leaking pipes, broken AC, mold issues—they all add up.
  • Even if you’re not living there, you’re still paying.

2. Property Taxes Can Rise Suddenly

  • Many cities reassess values yearly, increasing your tax bill.
  • This cuts directly into your rental profit.

3. Vacancy = Zero Income

  • One bad month with no tenant? That’s 0% yield.
  • You’re still paying insurance, utilities, and taxes.

4. Legal and Tenant Issues

  • Evictions can take months—and cost thousands.
  • Laws are changing fast. Some favor tenants more than landlords now.

5. Low Liquidity

  • Need cash? Selling a home takes months.
  • ETFs? You can cash out in minutes.

Bottom line?
Real estate isn’t “bad”—but it’s not nearly as passive as most people assume.

If you want predictable cash flow with minimal headaches, ETFs offer a cleaner, simpler solution.

6. Passive Income with ETFs: Monthly Cash Flow Without Tenants

Let’s say you want the feel of owning a rental—
but without the stress.

Enter: Monthly Dividend ETFs.

These are designed to:

  • Pay you every month (like rent)
  • Require zero management
  • Adjust automatically to market changes

What Makes Monthly Dividend ETFs So Powerful?

  • They own dozens or hundreds of companies that generate cash
  • They bundle that cash and pay you a slice—monthly
  • You can reinvest or withdraw as needed

Real Example:

  • JEPI: ~9.5% dividend yield
  • $10,000 invested = ~$950/year = ~$79/month
  • No maintenance. No phone calls. Just auto-pay to your account

It’s like having 10 tenants who always pay on time—and never call for repairs.

7. Step-by-Step: How to Start with Just 2 ETFs in 2025

So how do you actually do this?

Step 1: Open a Free Investment Account

Use platforms like:

  • Fidelity
  • Charles Schwab
  • Webull
  • SoFi

They allow zero-commission ETF purchases.

Step 2: Buy These Two ETFs

ETFYieldPurpose
JEPI~9.5%Monthly cash flow
SCHD~3.5%Long-term dividend + capital growth

→ You can start with just $100 in each.
→ Add more every month if possible.

Step 3: Turn On Dividend Reinvestment (Optional)

Want to grow your income faster?
Turn on DRIP: Dividend Reinvestment Plan.

Every dividend earned is automatically reinvested into buying more ETF shares.
That’s how compounding works.

Step 4: Do Nothing

Seriously. Let time do the work.
Watch your balance grow, your income rise—and your stress fall.

8. Who Should Choose Which? A Personality-Based Recommendation

Still not sure whether real estate or ETFs are right for you?

Here’s a quick test:

QuestionIf you say YES…You should probably:
Do you enjoy managing things?YESExplore real estate
Want stress-free monthly income?YESChoose ETFs
Need cash flexibility?YESChoose ETFs
Like physical assets you can touch?YESReal estate may suit you
Hate dealing with repairs or taxes?YESStick with ETFs

Many investors start with ETFs, build a stable income base,
then branch into real estate later when they have more capital and experience.

9. Final Verdict: Wealth Growth vs Stability – Your Best Bet in 2025

There’s no one-size-fits-all answer.
But if we boil it down:

  • Real Estate offers leverage and physical control—but requires time, effort, and big capital.
  • ETFs offer simplicity, liquidity, and consistent income—with far less headache.

And remember—you don’t have to choose just one.

In fact, many wealthy investors do both:

  • Use ETFs for baseline passive income
  • Use real estate for growth when the timing is right

But for 2025, with rising rates, global volatility, and tech-enabled investing…
ETFs are winning more minds—and wallets—than ever before.

10. Next Steps: The ETF Strategy for Monthly Income (Link to next post)

Ready to go deeper?

If you want to build a stable $500/month income using only ETFs,
check out our full blueprint here:

👉 ETF Income Blueprint 2025: Start Here to Build Monthly Passive Income

We’ll show you:

  • Which 2 ETFs you need
  • How to invest step-by-step
  • And how to build income you can actually live on

This is how real freedom starts.
Not with luck. But with a system.

ETF Income Blueprint 2025: Start Here to Build Monthly Passive Income

by
A financial planning workspace with a digital screen and notebook showing ETF tickers and a monthly income blueprint layout.

Introduction

Are you looking for a stable, step-by-step way to generate passive income in 2025? Whether you’re a beginner or a busy professional, this guide is your starting point. We’ve built a 5-part ETF series to help you understand how to earn monthly income through smart, global ETF investing—without the stress of day trading or managing properties.

In a world of economic uncertainty, more people are turning to ETFs as a safe, scalable, and hands-off way to build long-term wealth. This blueprint connects you to the exact posts you need—organized in a proven sequence to help you start earning now.

What You’ll Learn

  • How to earn $500+ per month using just 2 ETFs
  • The best ETFs that pay you every month (with tickers & strategies)
  • A ladder strategy to get monthly income without selling shares
  • FIRE (Financial Independence) ETF planning for long-term growth
  • ETF vs Real Estate: Which grows your wealth faster in 2025?

Each guide includes real numbers, step-by-step actions, and actual case studies—so you know exactly what to do next.

Start Here – Your 5-Part ETF Income Series

1. How to Build a $500 Monthly Income Using Only 2 ETFs (2025 Blueprint)

  • Learn how just two ETFs—like JEPI and SCHD—can automate your cash flow.

2. Dividend ETFs That Pay You Every Month: Top 3 Picks for Beginners in 2025

  • Discover beginner-friendly ETFs with monthly payouts and strong track records.

3. ETF Ladder Strategy: How to Earn Monthly Income Without Selling Any Shares

  • Build a step-by-step ETF ladder to get income every month, all year long.

4. Best ETFs for FIRE in 2025: Long-Term Passive Wealth Plan

  • Use the FIRE method to invest in long-term dividend growth portfolios.

5. ETF vs Real Estate in 2025: Which Builds Wealth Faster with Less Risk?

  • A real-world comparison: which gives you more return, peace, and mobility?

How to Use This Series

  1. Read each guide in order—they build on each other.
  2. Take notes on ETF tickers, income potential, and strategy tips.
  3. Choose 1–2 ETFs to start investing with small amounts.
  4. Bookmark or save this post so you can return anytime.

You don’t need to be rich. You just need the right plan.

Final Tip for 2025

Start simple. Automate your investments. Reinvest dividends. And track your passive income monthly.

“In 2025, freedom is measured by how many months your investments can pay for your life. ETFs are the engine—this series is your roadmap.”

If you’re serious about building monthly income, this is where your journey begins.

ETF vs Real Estate in 2025: Which Builds Wealth Faster with Less Risk?

by
A side-by-side visual of ETF investing tools and a rental property contract, symbolizing the comparison between ETFs and real estate for long-term wealth in 2025.

Introduction

When it comes to building long-term wealth, two titans dominate the conversation: Exchange-Traded Funds (ETFs) and Real Estate. Each has its loyal fans, compelling advantages, and hidden drawbacks. But in 2025, with inflation volatility, remote work, and FIRE (Financial Independence, Retire Early) gaining global traction, the question becomes more pressing:

“Where should I invest for faster, safer, and more predictable wealth?”

This guide breaks down the practical comparison between ETFs and real estate—not from a theoretical standpoint, but from the perspective of actual investors looking for monthly income, capital growth, and freedom. Whether you’re a digital nomad with $30,000 in savings or a working professional planning early retirement, this article will help you choose the better path—or a hybrid of both.

1. Initial Capital & Accessibility

ETFs:

  • Entry from $10 to $100. Easily accessible through any online broker.
  • No paperwork, no property taxes, no agents.
  • Dollar-cost averaging (DCA) possible weekly or monthly.

Real Estate:

  • Entry often requires $30,000 to $100,000+ upfront for down payments.
  • Requires legal contracts, agents, taxes, and often mortgage qualification.
  • Location-dependent barriers: legal restrictions for foreigners, language, and banking challenges.

Verdict: ETFs win on accessibility and scalability.

2. Monthly Income: Dividend vs Rental

ETFs (e.g., JEPI, QYLD, SCHD):

  • Monthly dividend yield ranging from 6% to 12% annualized.
  • 100% passive: no tenants, no maintenance.
  • No vacancy risk. Auto-deposited monthly.

Real Estate:

  • Rental yield varies by market (2% to 8% net).
  • Property management required (or hired).
  • Vacancy, maintenance, and tenant risk.

Real-World Case:

  • $100,000 invested in JEPI in 2025 = ~$800/month passive income.
  • $100,000 in a rental property (after mortgage) = ~$500–$700/month, but with risk and effort.

Verdict: ETFs provide more reliable, passive monthly income in most cases.

3. Risk: Market Volatility vs Operational Risk

ETFs:

  • Volatility: subject to stock market swings.
  • No ongoing expenses or emergencies.
  • Global diversification available (VTI, VXUS, BND).

Real Estate:

  • Illiquid asset: hard to sell quickly.
  • Market risk + local disaster risk (earthquakes, flooding).
  • High leverage = higher risk during downturns.

Verdict: ETFs carry less operational risk; real estate carries leverage and localized risk.

4. Liquidity, Management & Flexibility

ETFs:

  • 24/7 online access, full liquidity within minutes.
  • No tenants, repairs, or legal headaches.
  • Great for global citizens and nomads.

Real Estate:

  • Difficult to manage remotely without trusted partners.
  • Selling takes time and legal steps.
  • Immobile asset; can become a liability if relocation is needed.

Verdict: ETFs offer ultimate liquidity and flexibility.

5. Real 5-Year Case Study: $50,000 Investment

ScenarioETF Portfolio (e.g., SCHD/JEPI)Real Estate (Rental)
Monthly Income$325–$450$250–$400 (after costs)
Appreciation+40% total return+20–30% (avg property rise)
Time Involvement30 minutes/month5–10 hours/month
Risk ProfileModerate market volatilityHigh local + tenant risk
LiquidityHighLow

Result: ETF portfolio slightly outperforms in net income, total return, and peace of mind.

6. FIRE Optimization

If your goal is FIRE (Financial Independence, Retire Early):

  • ETFs allow better automation, global mobility, and low-maintenance growth.
  • Real estate may provide inflation-protected cash flow, but only if managed well and bought right.
  • Many FIRE followers use ETF ladders or dividend snowball strategies with SCHD, VTI, VIG, VXUS.

Hybrid Strategy Option:

  • Use ETFs for income + real estate for appreciation.
  • REIT ETFs (like O, VNQ) blend both.

Final Verdict: Which Builds Wealth Faster (with Less Risk)?

  • ETFs win for digital nomads, expats, beginners, and FIRE-focused investors.
  • Real estate fits investors with local expertise, leverage access, and time for management.
  • Hybrid investing (JEPI + REIT + small real estate) gives balanced exposure.

In 2025, time and mobility are more valuable than ever. If you want freedom + income, start with ETFs. Add real estate only when you’re ready for higher commitment.

“Assets should work for you while you sleep. The less you touch them, the better they should perform.”

Best ETFs for FIRE (Financial Independence) in 2025

by
A financial planning desk with charts, notebooks, a laptop showing ETF graphs, and the words “FIRE Strategy 2025” overlaid.

Subtitle: Build Long-Term Wealth with These 5 Strategic ETFs—Even If You’re Starting Small

Introduction: Why FIRE Needs the Right ETFs

FIRE—Financial Independence, Retire Early—is no longer a niche movement. With inflation rising, traditional pensions disappearing, and job stability declining, more people than ever are seeking long-term passive wealth. But there’s a challenge: how do you build serious income without needing to actively trade or micromanage your portfolio?

The answer? A strategic set of ETFs designed for FIRE. These are low-cost, tax-efficient, and proven to outperform most actively managed funds over time.

This guide will show you how to structure a FIRE-focused ETF portfolio using only 5 smart ETFs.

Section 1: What Makes an ETF Ideal for FIRE?

Let’s clarify the core principles:

  • Low expense ratio: Even 0.5% annual fees can destroy long-term compounding.
  • Dividend growth potential: So you don’t just live off capital gains.
  • Global exposure: For inflation hedging and currency diversification.
  • Liquidity and DRIP support: To automate reinvestment and minimize idle cash.

We’ll rate each ETF in this guide based on these criteria.

Section 2: The FIRE 5 ETF Portfolio Breakdown

Here’s the core portfolio used by top FIRE influencers and long-term investors:

1. VTI – Vanguard Total Stock Market ETF

  • Expense Ratio: 0.03%
  • What It Covers: Entire U.S. equity market (large, mid, small caps)
  • Why It Works: Captures long-term U.S. economic growth.
  • Strategy: Set-it-and-forget-it. Just keep buying every month.
  • FIRE Fit Score: ★★★★★

Real-Life Example:
Mr. Money Mustache’s followers often cite VTI as the only ETF they need. A $100K investment in VTI since 2010 has grown to over $350K.

2. SCHD – Schwab U.S. Dividend Equity ETF

  • Expense Ratio: 0.06%
  • Dividend Yield: ~3.5%
  • Why It Works: Focuses on high-quality, dividend-paying U.S. stocks.
  • Bonus: Strong dividend growth.
  • FIRE Fit Score: ★★★★☆

Use Case:
A perfect “cash flow” piece in your FIRE portfolio to eventually replace salary income.

3. VIG – Vanguard Dividend Appreciation ETF

  • Expense Ratio: 0.06%
  • Strategy: Targets companies with 10+ years of increasing dividends
  • Why It Works: Less volatility, reliable growth
  • FIRE Fit Score: ★★★★☆

Pro Tip:
VIG is great for reinvestment. Pair it with SCHD for a balance of yield + growth.

4. VXUS – Vanguard Total International Stock ETF

  • Expense Ratio: 0.07%
  • Coverage: Non-U.S. developed + emerging markets
  • Why It Works: Global diversification
  • FIRE Fit Score: ★★★★☆

Scenario:
If you’re planning to retire abroad (Portugal, Thailand, etc.), having international exposure like VXUS helps hedge currency and regional risks.

5. BND – Vanguard Total Bond Market ETF

  • Expense Ratio: 0.03%
  • Purpose: Stabilize the portfolio + provide income during market downturns
  • FIRE Fit Score: ★★★☆☆

Caution:
Not as “sexy” as stocks, but in a $500K+ portfolio, bonds act as your “peace-of-mind” allocation.

Section 3: Portfolio Combinations by Stage

FIRE StageETF Allocation (%)Monthly Auto-Invest
BeginnerVTI 50, SCHD 25, VIG 25$500/mo
GrowthVTI 30, SCHD 30, VIG 20, VXUS 15, BND 5$1,000/mo
FreedomVTI 25, SCHD 25, VIG 15, VXUS 20, BND 15$2,000/mo

Section 4: $10K, $50K, $100K Simulations

$10K Investment (Annual Return ~8%)

YearPortfolio Value
1$10,800
5$14,693
10$21,589

$50K Investment (Reinvested)

  • Year 10 Value: ~$107,945
  • Monthly Passive Income (starting Year 10): $250–$300/month with SCHD + VIG

$100K Investment

  • 20-Year FIRE Model:
    Ends up near $460K assuming reinvestment and 8% average return.

Section 5: Real FIRE Investors’ Tips

  • Tip 1: Start with SCHD if you want income first
  • Tip 2: Use DRIP for first 5–7 years, then switch to cash payouts
  • Tip 3: Don’t ignore VXUS—it matters when USD weakens
  • Tip 4: Keep investing through crashes. Your future self will thank you.

Conclusion: FIRE with Confidence

FIRE is not about early retirement. It’s about freedom to choose—how you work, live, travel, and spend your time. And the ETFs we’ve discussed are the foundation for that freedom.

Whether you’re starting with $100 or $100,000, this strategy scales. Automate, reinvest, diversify—and stay the course.

ETF Ladder Strategy: How to Earn Monthly Income Without Selling Any Shares (2025 Blueprint)

by
A financial planning desk showing a printed guide titled “ETF Ladder Strategy,” surrounded by a laptop, ETF tickers, and a monthly dividend calendar.

Introduction: Why the ETF Ladder Strategy Matters in 2025

In an uncertain economy, reliable income is king. For those who want to earn monthly passive income without selling shares, the ETF ladder strategy is one of the most powerful and overlooked methods available in 2025. Whether you’re a retiree, digital nomad, or just want a reliable second income stream, this guide breaks down exactly how to do it with ETFs.

Section 1: What Is the ETF Ladder Strategy?

An ETF ladder involves owning multiple dividend ETFs that pay on different months. Instead of relying on quarterly payouts or needing to sell shares for cash, you structure your portfolio so that at least one ETF pays you every month. This provides consistent, predictable cash flow—perfect for budgeting and reinvestment.

Analogy: Just like a bond ladder spreads maturity dates to create income, an ETF ladder spreads dividend payment dates.

Section 2: Why Most Investors Miss Monthly Income Potential

Many investors:

  • Stick with one or two ETFs without considering payout dates.
  • Focus on yield but ignore dividend timing.
  • Miss monthly consistency, creating gaps in their cash flow.

By organizing your holdings strategically, you turn a typical passive portfolio into a monthly income machine.

Section 3: How to Structure a Basic 3-ETF Ladder for 2025

Here’s a real-world example using three well-known ETFs:

January, April, July, October (Q1 Payout):

SCHD – Schwab U.S. Dividend Equity ETF

  • Dividend Yield: ~3.5%
  • Profile: Large-cap U.S. companies with a strong dividend track record
  • Benefit: Growth + stability, low expense ratio (0.06%)

February, May, August, November (Q2 Payout):

JEPI – JPMorgan Equity Premium Income ETF

  • Dividend Yield: ~7–10%
  • Profile: Covered call strategy on blue-chip stocks
  • Benefit: High income + monthly payouts

March, June, September, December (Q3 Payout):

O – Realty Income (REIT)

  • Dividend Yield: ~4.5%
  • Profile: Monthly-paying REIT, nicknamed the “Monthly Dividend Company”
  • Benefit: Real estate exposure + reliable monthly income

Together, these 3 ETFs cover all 12 months with payouts.

Section 4: $12,000 Example: Monthly Breakdown

Let’s say you invest $4,000 in each ETF:

ETFAmount InvestedAvg YieldExpected Annual IncomeMonthly Average
SCHD$4,0003.5%$140$35
JEPI$4,0009%$360$30/month
O$4,0004.5%$180$15/month
Total$12,000–$680/year~$57/month

→ Results improve with reinvestment or higher allocation.

Section 5: Advanced Ladder Strategy (5+ ETFs)

For better diversification and smoother income, you can use 5+ ETFs:

MonthETF Ideas
JanSCHD
FebJEPI
MarO
AprDLR (Digital Realty Trust)
MayQYLD (Nasdaq Covered Call)
JunVYM (Vanguard High Dividend Yield)
JulSCHD
AugJEPI
SepO
OctDLR
NovQYLD
DecVYM

Result: At least 1-2 ETFs pay dividends every single month. You can customize based on risk appetite, tax treatment, and preferred sector exposure.

Section 6: Pros and Cons of ETF Laddering

Pros:

  • Monthly income without selling shares
  • Smooth cash flow for retirees, nomads, side hustlers
  • Flexible customization based on ETFs’ payout calendars

Cons:

  • Requires research on ex-dividend and payment dates
  • Diversification may reduce yield slightly
  • Tax tracking for frequent payouts

Section 7: DRIP vs. Cash: What Should You Do?

DRIP (Dividend Reinvestment Plan):

  • Great for growth-focused investors
  • Automatically reinvests dividends to buy more shares
  • Builds compound returns over time

Cash Payouts:

  • Ideal for those needing monthly cash flow
  • Can be transferred to Wise, brokerage accounts, or cards like Payoneer

Pro Tip: In 2025, many ETFs now let you toggle DRIP/cash easily via platforms like Fidelity, Charles Schwab, or Interactive Brokers.

Section 8: Real-World Investor Examples

Case Study 1: Sarah, 38 – Remote Copywriter

  • Invests $25K across 4 ETFs
  • Uses ladder for consistent income
  • Withdraws ~$160/month to cover rent + utilities in Thailand

Case Study 2: John, 61 – Semi-Retired Engineer

  • Built ladder over 7 ETFs
  • Reinvests half, withdraws half
  • Achieves ~$450/month income while maintaining long-term capital

Section 9: Tools to Track and Automate Your Ladder

  • Trackdividends.com: Monitor payout dates
  • SimplySafeDividends: Dividend safety ratings
  • Google Sheets + Google Finance: DIY tracker
  • Portfolio Visualizer: Simulate ladder vs. lump sum

Conclusion: Why This Strategy Wins in 2025

With interest rates uncertain, and inflation still eating into savings, monthly income that doesn’t require selling assets is more valuable than ever. The ETF ladder strategy helps you create a repeatable, scalable system—whether your goal is $100/month or $1,000/month.

“How to Build a $500 Monthly Income Using Only 2 ETFs (2025 Blueprint)

by
A financial workspace with a laptop displaying JEPI and SCHD ETF tickers, surrounded by a calculator, notebook, and U.S. dollar bills—visualizing a $500 monthly income strategy.

Introduction: Why $500 a Month Is a Game-Changer

For many people around the world, earning an extra $500 a month can be life-changing. It could cover rent, groceries, insurance, or be reinvested to accelerate financial freedom. The good news? You don’t need dozens of stocks or complicated strategies to do it. With just two carefully selected ETFs, it’s possible to build a portfolio that generates consistent, passive monthly income — starting in 2025.

In this guide, you’ll learn:

  • Which 2 ETFs offer the perfect balance of stability + yield
  • How much to invest to reach $500/month
  • Real examples of investors earning reliable monthly income
  • Tax tips and reinvestment strategies
  • How non-U.S. investors can access these ETFs easily

Let’s begin.

1. The 2-ETF Blueprint: What You Need to Know

We’re not talking about risky plays or high-maintenance portfolios. We’re talking about two ETFs that are:

  • Low-risk, even in volatile markets
  • Monthly or quarterly payers
  • Backed by strong dividend performance
  • Accessible to international investors

The two ETFs we’ll use are:

  • JEPI (JPMorgan Equity Premium Income ETF)
  • SCHD (Schwab U.S. Dividend Equity ETF)

2. ETF #1: JEPI – Low-Risk, Monthly Income Powerhouse

JEPI is famous for one thing: it pays investors monthly, and it does it using a unique method — combining blue-chip U.S. stocks with option premiums.

  • Dividend Yield (as of 2025): ~7–9%
  • Payment Frequency: Monthly
  • Strategy: Equity + Covered Calls

Why It Works:

  • Provides stability through blue-chip stock exposure
  • Generates extra income via selling options
  • Great for investors who want consistent cash flow

Real Case:
A retiree invested $65,000 in JEPI and now receives ~$400/month passively — even during market dips. This fund acts like a “monthly paycheck.”

3. ETF #2: SCHD – Stability, Growth, and Quarterly Dividends

SCHD is a dividend growth ETF. Unlike JEPI, it pays quarterly, but its strength is dividend reliability and capital appreciation.

  • Dividend Yield (as of 2025): ~3.5–4.5%
  • Growth Rate: ~7–10% annually
  • Payment Frequency: Quarterly

Why It Works:

  • Tracks high-quality U.S. companies with strong balance sheets
  • Long-term upward trend + reinvestment power
  • Perfect for building wealth + stability

Real Case:
An investor in Germany held $40,000 in SCHD and chose to reinvest dividends. In 5 years, he compounded over $11,000 in growth + income.

4. How Much Do You Need to Invest for $500/Month?

Let’s break it down with simulations:

InvestmentJEPI ($)SCHD ($)Monthly Income
$25,00015,00010,000~$140
$50,00030,00020,000~$270
$90,00060,00030,000~$500

This is a blended strategy. JEPI gives monthly income. SCHD adds growth and quarterly boosts.

5. Reinvest or Withdraw? The Power of DRIP

DRIP = Dividend Reinvestment Plan

  • If you withdraw: You get cash monthly
  • If you reinvest: Your income compounds

Example:
Reinvesting JEPI and SCHD income for 3 years with $50,000 can turn into $64,000+ total portfolio value — without adding more money.

6. Taxes: What International Investors Must Know

  • U.S. ETFs = 15–30% withholding tax (check tax treaty)
  • Use Ireland-domiciled equivalents (ex: SCHD → VUSD via UCITS)
  • Some brokers offer auto tax-optimized reinvestment

7. How to Buy These ETFs (Even If You’re Outside the U.S.)

You don’t need a U.S. address. Here’s how:

Best brokers for international access:

  • Interactive Brokers
  • TD Ameritrade (for residents with U.S. SSN or ITIN)
  • DEGIRO (Europe, Asia)
  • Moomoo / Tiger Brokers (Singapore, HK)

Set up, deposit, and buy JEPI / SCHD or their equivalents.

8. Step-by-Step Setup Guide

  1. Choose broker (ex: IBKR)
  2. Deposit local currency and convert to USD
  3. Allocate: 60% JEPI, 40% SCHD (or 50/50 for balance)
  4. Enable DRIP (optional)
  5. Track payouts monthly and quarterly
  6. After 12 months, review: reinvest vs. withdraw?

9. Bonus: Add 1 More ETF to Boost Long-Term Growth

Consider adding VTI or VOO for index exposure if you want extra growth.
But remember: 2 ETFs alone are enough for $500/month.

10. Final Thoughts: Who Is This Strategy For?

  • Busy professionals who don’t want to trade daily
  • International investors seeking USD cash flow
  • FIRE-minded individuals who want to build predictable income
  • Anyone who wants to simplify investing without sacrificing results

Summary Table

Portfolio SizeJEPI %SCHD %Monthly Income Est.
$25,00060%40%~$140
$50,00060%40%~$270
$90,00066%34%~$500

Next Step:
Build your own 2-ETF portfolio using this blueprint, and start receiving passive income — even before 2025 ends.