Model portfolio · Roth IRA / 401(k)
Passive Earner model portfolio
Dividend-tilted ETF passive — same low-effort vibe as the Index Investor, but with cash flow.
The Passive Earner model portfolio portfolio yields 3.51% in aggregate — meaning every $100,000 invested generates roughly $3,509 per year in dividend income before tax. The portfolio's weighted safety score of 7.5/10 reflects a conservative tilt toward well-covered, growing dividends. Dividend-tilted ETF passive — same low-effort vibe as the Index Investor, but with cash flow.
The two largest positions — SCHD (40%) and VYM (25%) — together account for 65% of the portfolio. SCHD yields 3.24% with a 7.9/10 safety score; VYM yields 2.37% with a 7.9/10 safety score.
The holdings
| Ticker | Weight | Yield | Safety |
|---|---|---|---|
| SCHD · Schwab U.S. Dividend Equity ETF | 40% | 3.24% | 7.9/10 · Solid |
| VYM · Vanguard High Dividend Yield ETF | 25% | 2.37% | 7.9/10 · Solid |
| DGRO · iShares Core Dividend Growth ETF | 20% | 1.98% | 7.6/10 · Solid |
| JEPI · JPMorgan Equity Premium Income ETF | 15% | 8.16% | 5.4/10 · Mixed |
Why this mix
Moderate yield from a mix of growth-tilted dividend ETFs and one covered-call sleeve.
Best account: Roth IRA / 401(k)
See the descriptive write-up of this archetype on the investor-archetypes page for the behavioral context — what kind of investor naturally lands here, and what to watch for.
Other model portfolios
How close is your current portfolio to this model?
Connect your brokerage — Infnits overlays this passive earner model portfolio on your existing holdings, flags overlap, and adjusts the gap-to-fill for your bracket and account types.