A 90/10 portfolio with high income emphasis yields 11.26%
The portfolio allocates 90% to a low-cost S&P 500 index fund and 10% to short-term U.S. Treasury bills, but with a focus on high income instead of capital appreciation.
It uses tax-aware income strategies, including SPX index options and tax-loss harvesting, to generate an 11.26% average distribution yield.
This approach comes with trade-offs, including higher fees and potential underperformance compared to a traditional S&P 500 and Treasury bill portfolio during bull markets.