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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.
Portfolio yield3.51%Weighted average, live
Portfolio safety7.5/10Weighted average, 0-10
Income on $100K$3,512/year, pre-tax
Holdings4Tickers in this model
The holdings
| Ticker | Weight | Yield | Safety |
|---|---|---|---|
| SCHD · Schwab U.S. Dividend Equity ETF | 40% | 3.25% | 7.9/10 · Solid |
| VYM · Vanguard High Dividend Yield ETF | 25% | 2.21% | 7.9/10 · Solid |
| DGRO · iShares Core Dividend Growth ETF | 20% | 1.96% | 7.6/10 · Solid |
| JEPI · JPMorgan Equity Premium Income Fund | 15% | 8.45% | 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.
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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.