Dividend Vision Model Portfolios
IRA High Yield
Taxable bond, option and BDC income for tax-advantaged accounts, with AAA CLOs as the anchor. Distributions have mixed tax character; IRA withdrawals follow account rules.
Updated Nov 6, 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 |
|---|---|---|---|---|---|---|
| JAAA | Janus Henderson AAA CLO ETF | 35.0% | 4.90% | Monthly | 82 Safe | 0.20% |
| JEPI | JPMorgan Equity Premium Income ETF | 25.0% | 7.38% | Monthly | 76 Generally safe | 0.35% |
| JEPQ | JPMorgan Nasdaq Equity Premium Income ETF | 15.0% | 12.05% | Monthly | 82 Safe | 0.35% |
| SRLN | State Street Blackstone Senior Loan ETF | 15.0% | 7.27% | Monthly | 79 Generally safe | 0.70% |
| BIZD | VanEck BDC Income ETF | 10.0% | 13.92% | Quarterly | 76 Generally safe | 9.69% |
Portfolio Distribution Safety Score™
Weighted by each fund's share of the projected income. No income comes from funds scoring under 60. The ring shows how the income splits across score bands.
Why these picks
- JAAA
Senior AAA CLO tranches anchor credit quality; credit, spread and liquidity risks remain.
- JEPI
Diversified equity option income; variable payouts and equity-linked-note counterparty risk.
- JEPQ
Nasdaq-oriented option income; variable distributions and equity-linked-note risk.
- SRLN
First-lien floating-rate loans diversify CLO holdings but carry below-investment-grade risk.
- BIZD
Diversified BDC equity sleeve is capped because leverage and borrower defaults magnify risk.
Reasons written Nov 6, 2026. Scores, rates and expense ratios in them are today's, the same as the holdings table.
Frequently asked questions
What is this portfolio's Distribution Safety Score?
79 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 IRA High Yield pay?
The holdings' current distribution rates blend to about 7.8% 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.
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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.