Dividend Vision Model Portfolios
Getting Started
A beginner-friendly $50K dividend portfolio featuring a mix of high-yield covered call ETFs, VistaShares Target 15 income funds, and reliable core income funds. Includes an AI growth allocation for long-term appreciation. Great starting point for new dividend investors!
Updated Nov 5, 2026
Holdings
Rates, payout schedules and scores are refreshed from our data on every site update. Open a fund for its full analysis.
| Ticker | Fund | Weight | Dist. rate | Pays | Distribution Safety Score™ | Expense |
|---|---|---|---|---|---|---|
| SPYI | NEOS S&P 500 High Income ETF | 13.0% | 11.52% | Monthly | 90 Safe | 0.68% |
| QQQI | NEOS Nasdaq-100 High Income ETF | 11.0% | 14.69% | Monthly | 84 Safe | 0.68% |
| GIAX | Nicholas Global Equity and Income ETF | 7.0% | 25.11% | Weekly | 31 Elevated risk | 1.03% |
| TSPY | TappAlpha S&P 500 Growth & Daily Income ETF | 10.0% | 14.26% | Monthly | 84 Safe | 0.68% |
| GPIX | Goldman Sachs S&P 500 Premium Income ETF | 6.0% | 8.40% | Monthly | 84 Safe | 0.29% |
| DIV | Global X SuperDividend U.S. ETF | 8.0% | 6.60% | Monthly | 90 Safe | 0.45% |
| JEPI | JPMorgan Equity Premium Income ETF | 11.0% | 7.14% | Monthly | 76 Generally safe | 0.35% |
| JEPQ | JPMorgan Nasdaq Equity Premium Income ETF | 9.0% | 11.33% | Monthly | 89 Safe | 0.35% |
| SCHD | Schwab U.S. Dividend Equity ETF | 7.0% | 2.94% | Quarterly | 100 Safe | 0.06% |
| HDV | iShares Core High Dividend ETF | 6.0% | 4.09% | Monthly | 89 Safe | 0.08% |
| OMAH | VistaShares Target 15 Berkshire Select Income ETF | 5.0% | 14.95% | Monthly | 79 Generally safe | 0.98% |
| SIOO | VistaShares Target 15™ S&P 100 Distribution ETF | 4.0% | 15.42% | Monthly | 77 Generally safe | 0.59% |
| AIS | VistaShares Artificial Intelligence Supercycle® ETF | 3.0% | 0.00% | Annually | — | 0.75% |
Portfolio Distribution Safety Score™
Weighted by each fund's share of the projected income. 16% of the income comes from funds scoring under 60. The ring shows how the income splits across score bands.
Why these picks
- SPYI
Seeks to generate high monthly income in a tax efficient manner while targeting equity appreciation. Distribution Safety Score™ 90 (Safe); pays about 11.7% monthly; payouts up 3% over the past year; 0.68% expense ratio; $12.4B in assets.
- QQQI
Seeks to generate high monthly income in a tax efficient manner while targeting equity appreciation. Distribution Safety Score 84 (Safe); pays about 14.8% monthly; payouts up 3% over the past year; 0.68% expense ratio; $14.7B in assets.
- GIAX
GIAX is an actively managed exchange-traded fund that seeks to generate current income and also capital appreciation. Distribution Safety Score 28 (Elevated risk); pays about 25.3% weekly; 1.03% expense ratio; $103M in assets. Watch: a lower score, so treat the payout as less secure.
- TSPY
The TappAlpha S&P 500 Growth & Daily Income ETF (the "Fund") seeks current income while maintaining prospects for capital appreciation. Distribution Safety Score 84 (Safe); pays about 14.5% monthly; payouts up 3% over the past year; 0.68% expense ratio; $399M in assets.
- GPIX
Goldman Sachs S&P 500 Premium Income ETF. Distribution Safety Score 84 (Safe); pays about 8.5% monthly; payouts up 8% over the past year; 0.29% expense ratio; $6.4B in assets.
- DIV
Invest in 50 of the highest dividend-yielding equity securities in the United States, providing broad exposure to high-yield domestic equities across sectors. Distribution Safety Score 90 (Safe); pays about 6.6% monthly; payouts up 2% over the past year; 0.45% expense ratio; $777M in assets.
- JEPI
JPMorgan Equity Premium Income ETF. Distribution Safety Score 76 (Generally safe); pays about 7.3% monthly; 0.35% expense ratio; $46.2B in assets.
- JEPQ
Seeks monthly income by combining an actively managed portfolio of equities drawn largely from the Nasdaq-100 Index with equity-linked notes that sell call options on that benchmark. Distribution Safety Score 87 (Safe); pays about 11.4% monthly; payouts up 11% over the past year; 0.35% expense ratio; $43.7B in assets.
- SCHD
Schwab U.S. Dividend Equity ETF. Distribution Safety Score 100 (Safe); pays about 3.0% quarterly; payouts up 3% over the past year; 0.06% expense ratio; $121.1B in assets.
- HDV
Seeks to track the Morningstar Dividend Yield Focus Index, investing at least 80% of assets in income-paying U.S. securities screened for company quality and financial health. Distribution Safety Score 89 (Safe); pays about 4.2% monthly; 0.08% expense ratio; $16.3B in assets.
- OMAH
VistaShares Target 15 Berkshire Select Income ETF. Distribution Safety Score 79 (Generally safe); pays about 15.3% monthly; 0.98% expense ratio; $1.1B in assets.
- SIOO
Provides monthly income targeting a 15% annualized distribution by holding S&P 100 names and writing covered calls against the portfolio. Distribution Safety Score 77 (Generally safe); pays about 15.6% monthly; 0.59% expense ratio. Watch: a small fund ($25M), so mind the trading spreads; launched 11 months ago, so its record is short.
- AIS
VistaShares Artificial Intelligence Supercycle® ETF. No Distribution Safety Score yet; 0.75% expense ratio; $1.1B in assets.
Reasons written Nov 4, 2026; the holdings table above shows today's figures.
Backtest
+28.7% total return since Mar 2025 (16.4% a year)
| Series | Total return | Per year | Last 12 mo | Max drawdown | Volatility |
|---|---|---|---|---|---|
| Getting Started | +28.7% | 16.4% | +14.9% | −13.4% | 14.5% |
| SPY | +31.9% | 18.1% | +11.6% | −14.6% | 17.0% |
| SCHD | +34.9% | 19.8% | +39.0% | −13.8% | 14.3% |
Mar 5, 2025 to Nov 3, 2026. Buy-and-hold at the listed weights, distributions reinvested (adjusted close). Left out: SIOO (under a year of usable price history; the rest are reweighted). Past performance does not guarantee future results.
Frequently asked questions
How was the Getting Started backtest calculated?
It holds the listed weights from Mar 5, 2025 to Nov 3, 2026 without rebalancing and reinvests every distribution, using split- and distribution-adjusted prices. Benchmarks are measured the same way. Funds with less than a year of usable price history are left out and the rest reweighted. Past performance does not guarantee future results.
What is this portfolio's Distribution Safety Score?
76 out of 100 (Generally safe). It averages each fund's Distribution Safety Score, weighted by its share of the portfolio's projected income. It is a rules-based estimate of how dependable the payouts are, not a guarantee.
How much income does Getting Started pay?
The holdings' current distribution rates blend to about 10.9% a year at the listed weights. Distribution rates change as funds raise, cut or vary their payouts.
Is this investment advice?
No. Model portfolios are examples for research and education. They are not recommendations to buy or sell any security, and you are responsible for your own decisions.
More model portfolios
Disclaimer: Model portfolios are illustrative examples for research and education, not investment advice or a recommendation to buy or sell any security. Distribution rates and scores change. Backtests are hypothetical, assume distributions are reinvested and ignore taxes and trading costs. Investing involves risk, including loss of principal.