Dividend Vision Model Portfolios
Retirement 4% Income
Target a 6-7% payout and a DV distribution safety score of at least 80, spending 4% and retaining the surplus. Income and capital are not guaranteed.
Updated Nov 6, 2026
$65,175/yr projected on $1M; $40,000 spending target
$25,175/yr surplus before taxes; payouts can fall and principal can decline.
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 |
|---|---|---|---|---|---|---|
| JEPI | JPMorgan Equity Premium Income ETF | 20.0% | 7.38% | Monthly | 76 Generally safe | 0.35% |
| SPYI | NEOS S&P 500 High Income ETF | 20.0% | 11.93% | Monthly | 90 Safe | 0.68% |
| JAAA | Janus Henderson AAA CLO ETF | 25.0% | 4.90% | Monthly | 82 Safe | 0.20% |
| DIVO | Amplify CWP Enhanced Dividend Income ETF | 15.0% | 4.91% | Monthly | 93 Safe | 0.56% |
| SCHD | Schwab U.S. Dividend Equity ETF | 10.0% | 3.01% | Quarterly | 100 Safe | 0.06% |
| SGOV | iShares 0-3 Month Treasury Bond ETF | 10.0% | 3.93% | Monthly | 79 Generally safe | 0.09% |
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
- JEPI
Diversified equity option income; variable payouts and equity-linked-note counterparty risk.
- SPYI
Broad US equity option income; distributions may include return of capital and upside is limited.
- JAAA
Senior AAA CLO tranches anchor credit quality; credit, spread and liquidity risks remain.
- DIVO
Dividend equities with a selective option overlay; variable distributions and equity risk.
- SCHD
Quality and dividend screens provide the higher-yielding part of the growth allocation.
- SGOV
Short Treasury reserve supports cash-flow smoothing; income falls when short rates decline.
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?
85 out of 100 (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 Retirement 4% Income pay?
The holdings' current distribution rates blend to about 6.5% 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.