Dividend Vision Model Portfolios
Golden Shield
When markets started going down or you want to reduce volatility in your portfolio, use Gold, consumer staples, utilities will still getting paid!
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 |
|---|---|---|---|---|---|---|
| BIL | SPDR Bloomberg 1-3 Month T-Bill ETF | 8.2% | 4.05% | Monthly | — | 0.1352% |
| SGOV | iShares 0-3 Month Treasury Bond ETF | 8.2% | 3.93% | Monthly | 79 Generally safe | 0.09% |
| SBIL | Simplify Government Money Market ETF | 8.2% | 3.84% | Monthly | — | 0.15% |
| LQID | Kurv Enhanced Short Maturity ETF | 8.2% | 5.32% | Monthly | 50 Unproven | 0.35% |
| IAUI | NEOS Gold High Income ETF | 16.4% | 12.42% | Monthly | 75 Generally safe | 0.79% |
| KGLD | Kurv Gold Enhanced Income ETF | 16.4% | 14.72% | Monthly | 75 Generally safe | 0.99% |
| XLSI | State Street® Consumer Staples Select Sector SPDR® Premium Income ETF | 12.3% | 10.79% | Monthly | 79 Generally safe | 0.35% |
| XLUI | State Street® Utilities Select Sector SPDR® Premium Income ETF | 9.8% | 14.89% | Monthly | 77 Generally safe | 0.35% |
| TLTP | Amplify TLT U.S. Treasury 12% Option Income ETF | 12.3% | 13.03% | Monthly | 79 Generally safe | 0.39% |
Portfolio Distribution Safety Score™
Weighted by each fund's share of the projected income. 4% of the income comes from funds scoring under 60. Scores cover 94% of the income; the rest is not scored yet. The ring shows how the income splits across score bands.
Why these picks
- BIL
Seeks to provide investment results that correspond to the price and yield performance of the Bloomberg 1-3 Month U.S. Treasury Bill Index. No Distribution Safety Score™ yet; pays about 4.0% monthly; 0.14% expense ratio; $48.5B in assets.
- SGOV
Seeks to track an index of U.S. Treasury obligations maturing in three months or less, investing at least 90% of assets in U.S. Treasury securities. Distribution Safety Score 79 (Generally safe); pays about 3.9% monthly; payouts down 15% over the past year; 0.09% expense ratio; $116.8B in assets.
- SBIL
Seeks to deliver attractive current income while preserving capital by laddering U.S. Treasury bills in the 0-6 month range. No Distribution Safety Score yet; pays about 3.8% monthly; 0.15% expense ratio; $4.1B in assets.
- LQID
Kurv Enhanced Short Maturity ETF. Distribution Safety Score 50 (Unproven); pays about 5.3% monthly; 0.35% expense ratio. Watch: a lower score, so treat the payout as less secure; a small fund ($13M), so mind the trading spreads; launched 6 months ago, so its record is short.
- IAUI
Seeks to generate high monthly income with potential appreciation through exposure to gold ETPs. Distribution Safety Score 74 (Generally safe); pays about 12.8% monthly; 0.79% expense ratio; $632M in assets.
- KGLD
Kurv Gold Enhanced Income ETF seeks to maximize total return by actively managing a portfolio with efficient exposure to gold. Distribution Safety Score 79 (Generally safe); pays about 15.1% monthly; 0.99% expense ratio; $154M in assets.
- XLSI
Seeks monthly income by investing at least 80% of net assets in S&P 500 consumer staples companies. Distribution Safety Score 79 (Generally safe); pays about 10.9% monthly; 0.35% expense ratio. Watch: a small fund ($25M), so mind the trading spreads.
- XLUI
Seeks monthly income by investing at least 80% of net assets in S&P 500 utilities companies. Distribution Safety Score 75 (Generally safe); pays about 14.9% monthly; 0.35% expense ratio; $69M in assets.
- TLTP
Seeks to track the Bloomberg U.S. Treasury 20+ Year 12% Premium Covered Call 2.0 Index. Distribution Safety Score 79 (Generally safe); pays about 13.1% monthly; payouts down 4% over the past year; 0.39% expense ratio. Watch: a small fund ($31M), so mind the trading spreads.
Reasons written Nov 4, 2026; the holdings table above shows today's figures.
Backtest
+8.1% total return since Jul 2025 (6.4% a year)
| Series | Total return | Per year | Last 12 mo | Max drawdown | Volatility |
|---|---|---|---|---|---|
| Golden Shield | +8.1% | 6.4% | +1.5% | −12.1% | 10.9% |
| SPY | +20.5% | 15.9% | +11.6% | −8.9% | 12.4% |
| GLD | +19.4% | 15.1% | −2.6% | −28.3% | 27.3% |
Jul 30, 2025 to Nov 3, 2026. Buy-and-hold at the listed weights, distributions reinvested (adjusted close). Left out: LQID (under a year of usable price history; the rest are reweighted). Past performance does not guarantee future results.
Frequently asked questions
How was the Golden Shield backtest calculated?
It holds the listed weights from Jul 30, 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 Golden Shield pay?
The holdings' current distribution rates blend to about 10.2% 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.