Hi dividend investors, what do you think about this portfolio structure that has two main goals:
**Goal 1:** Generate high income now for early retirement (social security and 401k withdrawal will start in \~10 years). Note also that I have a separate 401k portfolio focused on growth stocks so the real focus of this dividend portfolio is on high income now.
**Goal 2:** Keep up with inflation: both dividend payments and portfolio value should keep up with inflation (no need for capital growth for this "income now" portfolio, just keeping up with inflation is good enough for me).
|*Category*|Share of portfolio|AVERAGE of Yield|Goal|
|:-|:-|:-|:-|
|Stable dividends|50|5.5%|Invest in stocks with 10+ year track record of dividend payments and capital value that keep up with inflation (O, WPC, EPD, ET, UTG, etc)|
|High-yield stocks/funds|25%|8.7%|Generate income with a higher yield (JEPI, JEPQ, ARCC, MAIN, etc)|
|Money market & bonds|15%|4.0%|Small allocation to provide some capital safety in case of a market crash|
|Capital appreciation|10%|3.1%|Small allocation to funds that pay dividends but also increase in capital value over time. This is to help our portfolio's value to keep up with inflation (SPDH, etc).|
Overall yield - 6.2%. Also, I plan to retire in a country that doesn't differentiate between qualified and non-qualified dividends, so my focus in on non-qualified dividends from companies such as ARCC, as yields tend to be higher.