How We Built a 10%+ Dividend Portfolio Without Sacrificing Growth

At Surgevesting, we’re always looking for that balance: steady income today while still setting up long-term growth tomorrow. That’s exactly why we built this new ETF combo, stacking QQQI, SPYI, and VOO into another portfolio. Let’s break it down.

The Base: QQQI + SPYI

We started with two ETFs that are designed for income:

• QQQI (14.53% Dividend)

• SPYI (12.53% Dividend)

Both of these funds use a covered call strategy. In simple terms: they own large tech and S&P 500 stocks, but also sell options on them to generate cash. That cash gets paid out to us in the form of monthly dividends.

• QQQI focuses on Nasdaq 100 companies. Think Apple, Nvidia, Microsoft.

• SPYI focuses on the S&P 500, covering a broad mix of America’s top companies.

Right now, both funds are yielding around 10%+ dividends, paid monthly. That’s serious income. The covered call strategy does cap a little bit of the upside when markets rip higher, but in exchange we’re locking in consistent cash flow.

The Growth Insurance: VOO

But we didn’t stop there. One risk with heavy covered call ETFs is that over the long run, their price growth can lag if markets go on a strong bull run. That’s where VOO (Vanguard S&P 500 ETF) comes in.

By adding VOO, we keep pure market exposure in the mix. It gives us:

• Full upside when the S&P 500 grows.

• No option caps.

• Long-term compounding power.

Why This Blend Works

• QQQI + SPYI give us strong monthly dividends.

• VOO gives us long-term market growth.

• Together, they balance income today with growth tomorrow.

• It helps protect against both a flat market and an upward market.

Surgevesting Mindset

The goal here is simple:

• Build multiple streams of income inside the dividend portfolio.

• Protect against different market scenarios.

• Stay invested in quality companies.

• Let time and consistency do the heavy lifting.

This ETF combo lets us collect monthly income while still investing in America’s biggest companies long-term. The dividends buy more shares automatically (DRIP), which means we keep compounding every single month.

We’re not chasing get-rich-quick gains. We’re building a portfolio that can pay us today and grow tomorrow. That’s the Surgevesting model. Income + Growth + Discipline.

The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

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