Goldman Sachs ETF Trust Goldman Sachs Nasdaq-100 Premium Income ETF

GPIQ

Market cap $2.69B

It's historically rare to see a three-year winning streak of 20% or more for the S&P 500, but the index certainly came close last year.

Dividend investing is increasingly vital amid higher rates and inflation, offering passive income and wealth compounding for retirement. Anchoring a portfolio with quality dividend ETFs like SCHD, FDVV, or CGDV can provide reliable income and potential outperformance. Combining high dividend growers (e.g., V, MA, WM) with stable high-yielders (e.g., VZ, O, ADC, STWD) balances growth and income.

The S&P 500 offers a meager 1.1% yield, along with a roller-coaster ride on a regular basis. Most retirees do not like the idea of raising income by selling shares. The article presents a diversified, three-bucket retirement portfolio targeting 5.5%-6% income and 10%+ annualized growth over 10-15 years. Backtesting shows the combined model portfolio would have delivered 14% annualized returns since 2008, outperforming the S&P 500's 10.9%.

A $600,000 portfolio split equally among GPIX, GPIQ, SPYI, and QQQI can generate ~$5,387 in monthly income with ~10.7% yield. Covered call ETFs provide direct equity exposure to S&P 500 and Nasdaq-100 constituents, offering diversification, capital appreciation, and tax-efficient monthly distributions. Dynamic option strategies in these ETFs allow for market-responsive income generation, with high return-of-capital percentages enhancing tax deferral benefits.

AI stole the spotlight, but dividend investors still have ways to benefit. You do not need tech stocks to profit from the AI boom. Three overlooked income plays linked to AI growth.

Significant Wealth Partners bought 104,960 shares in GPIQ during the fourth quarter. The estimated transaction size was approximately $5.55 million based on quarter-end prices.

Most retirees focus on the wrong metric - and it could cost them everything. This income framework turns volatility into an advantage. A single portfolio shift could dramatically reduce retirement stress.

The book on 2025 is officially closed. With its end comes plenty of data for investors to review and learn from, from returns to yields and everything in between.

The Dividend Harvesting Portfolio delivered a 31.86% return on invested capital and $2,688.84 in forward annualized dividend income. I expect financials and technology to outperform in 2026, driven by lower rates, AI adoption, and expanding GDP. Recent additions include GPIQ for its dynamic covered call strategy and STWD for its high yield and undervaluation.

The most dangerous retirement risk has nothing to do with total returns. This income blueprint prioritizes cash flow when it matters most. I share some of my top retirment income picks.